davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I have called Navient due to fluctuating amounts due on each of my student loans every week the prices reporting on my credit score fluctuate from owing 3k to 4k to an  increase of 8 to 9k. This is inaccurate beyond belief. My student loans are already investigation for student loan forgiveness from attending XXXX. When Sallie Mae which everything over to Navient, I've had nothing but issue they report late charges when I never had a single late charge and this goes on for months. I contacted them and they told me there was nothing they could do. This company is a fraud! Gouge students loans so not only will they never pay them off but effects everyone 's credit scores, this is a negative ripple affect. This needs to be addressed and taken care of not only for me but 1ks of people.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation ()

I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that Avant will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if Avant does not honor the terms of the loan.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

OnXX/XX/XXXXXX/XX/XXXX A submitted was made with XXXX  against XXXX XXXX which is an collection for the amount of {$2100.00} date open XX/XX/XXXX. They have not provided me with any document showing I ever had a contract with them. I have no knowledge of this collection or amount. I would like for this collection to be removed from my credit report
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (GA)

I have requested my consumer file twice from Lexis Nexis. The first time i sent proof of ss number, address, and copy of passport. The second time, I used their online form that requests all the information that is required to provide me my consume file. Both times, they have replied stating there is not they do not have enough information to properly identify me. They have provided no explanation in were I was deficient in my request. I am attempting to purchase a home and know what my consumer file contains is my right and is Lexis Nexis to deliver once requested. After two attempts, they have failed to provide me the required information to my detriment as a consumer.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX **** Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

I received an order of garnishment from the court. The creditor listed is Ray Klein Inc, an  Oregon Corporation DBA XXXX XXXX XXXX. The Original debt amount is listed as {$830.00}. Fees were added in the amount of {$1000.00}. The document states that a judgment was entered against me dated XX/XX/XXXX, 2010. I was not  notified that I had this debt EVER, the original creditor was not listed, and I had no idea a judgment was entered. I can not even imagine what this debt could be.
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I cashed a check from my own company. I loaned my business {$3000.00} from another bank to cover payroll. When my bank reached over 10K, I wrote myself a check to cover the the loan and additional money for business expenditures. I went to the bank directly and cashed the check for cash since I know BOA tries to charge and hold monies for everything they can to help incur overdraft fees. When I cashed the check, I immediately saw it come out of my account on the mobile app with over $ 4K to spare. My husband, did not know and thought an employee cashed a check and ordered a " stop payment. '' We were never credited the money since the check was deposited at the bank for cash. 
However, 12 days later the whole account changed. It never showed the check I cashed like it did the same day I cashed it and yet they tried to say money came out that never did because my XXXX and XXXX XXXX never got their ACH debits. BOA lied trying to reap {$5800.00} which they decided to remove 12 days when they saw my account hit a low of approx. {$100.00}. BOA is cold busted on this one since there a no people involved ( hearsay ) but my self ( the debitor ) to my own business. 
Please lets bring thieves that change statements from one day to another to suit their stealing from the client. Young people are app savvy and we can see it all. Please help the small nonprofit businesses helping poor communities to eradicate this greed in humanity.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish (  {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

The company experian, did not investigate my complaint but brushed it off.

I complained of unauthorized inquiries on my account to all 3 credit bureau 's. Two of the three have removed them. Experian 's response was the following : " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you have several unauthorized inquiries are listed on your credit report. You would like the inquiries removed from your credit report. According to our records, the disputed items does not appear on your current Experian credit report. '' Effectively telling me that they have not reviewed the report at all.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AL)

I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IN)

I attempted to request a copy of my Experian credit report online, but I was told that my identify could not be verified. I had the same problem with XXXX  and XXXX  - I called XXXX, and they told me they had a SSN on file for me that was off by one digit ( ex. XXXX instead of XXXX ). I think the same problem may have occurred at all three credit agencies, but XXXX  would not tell me what the verification issue was. 

I attempted to call Experian to talk to a person in customer service, but EVERY SINGLE NUMBER I CALLED FOR EXPERIAN just gave me an automated message menu with NO chance to talk to an actual person. I have tried calling over 15 numbers on over 30 total occasions : each one results immediately in the same menu. I mailed all 3 credit agencies on XX/XX/20 explaining that I had reason to believe they had the wrong SSN on file for me. 

I have only received something in return from Experian, which sent me a " Dispute result '' form ( which I have attached ). I attempted to access my dispute report online as directed by clicking " View results of a phone or mail dispute '' at https : //www.experian.com/disputes/main.html. However, I could not access this dispute report because the mail I received from Experian did not have the " Dispute ID '' prompted online ( see attached screenshot ). Thus, I have found no way to communicate with Experian besides sending another letter, which I imagine will be met with the same non-actionable response. 

I am frustrated that Experian has made it literally impossible for me to find out why my identity could not be verified with them. I have tried every method I can think of in order to contact them, but I have had zero success. XXXX  and XXXX, though, were very easy/simple to contact a real person.
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

XXXX XXXX XXXX  or LoanCare on XXXX statement they stole {$120.00} from my escrow account.This is not first time when they stole my monies.The {$120.00} did not go go for tax city or home insurance.I have checked this in city hall.I would like to know where went my monies.
Consumer complaint received 2020-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Starting XX/XX/XXXX I applied for the covid-19 relief program with my mortgage provider LoanCare. It would make my payments lower and ease the burden during this time. While going through the process I did everything correctly, filled out all the paper work and gave them what they needed. I was told to wait 30 days before making my next payment because it would be the new amount and if I made that new amount payment each time in that program that it would be my new mortgage rate. I noticed that in XXXX it was showing I was deliquent in my payments, which I was not and I could not get a hold of any one to speak with to explain for a few weeks. I then spoke to a rep who said that everythign was fine and that happens because of the program but they are getting my payments. I started emailing Loss Mitigation at that time as well starting XX/XX/XXXX and I STILL HAVE NO HEARD BACK FROM THEM. I have called many times and gotten many different answers and information, I have emailed many times with no response. Their ticket system says someone will get in touch with me but they do not, I had to keep calling. This past week I got a hold of a representative who told me I had missed 3 payments, XXXX, XXXX and XXXX of XXXX. I was furious ... But I did what they told me to do and I sent them my bank statements that show all my payments were made. When I called back the next day to get a letter stating this mistake, for them to take this off my credit score and fix this I was then told by a manager on XX/XX/XXXX that I was given the wrong information and that I actually missed 2 payments one for XXXX and one for XXXX. I went back to my bank statements and emailed them again showing I have made my payments and that XXXX was when the covid-19 program was being processed so no payment was due. I was told to contact Loss Mitigation again and I explained no one has gotten back to me from them since XXXX. I made each payment on time and at the end of the payments in XXXX my mortgage went up by over {$400.00}. I am not in a situation where this is effecting my life and opportunities for me because it shows I missed payments which I did not and my credit score. I have never experienced this in my life! and I feel so helpless and then they raise my mortgage on top of it! I need help!
Consumer complaint received 2017-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated. 

Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P. (TX)

The Account Opened Date on my credit report should be XX/XX/XXXX but they have it as XX/XX/XXXX which makes it seem like a newer account than it really is. They have sent me a debt collection letter where they themselves stated the date opened but will not fix it in my credit report. I have reached out to XXXX, XXXX, and XXXX, but my disputes did not get resolved and Date Opened remained as XX/XX/XXXX.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 U.S>C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax is reporting an account with no creditor or a collection agency name no one to validate the account with. This is a violation of my consumer rights. I demand the account is deleted immediately as to there is no way this account was validated. 

Account number XXXX
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 U.S>C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (GA)

XX/XX/XXXX I had an amount of XXXX come out of my account ( XXXX XXXX XXXX, CA ). I received a fraud call from Ally Bank and I disputed it with Ally Bank and they sent me a new card. I never authorized this to come out of my account. Ally Bank says it's XXXX, but there is nothing in XXXX that is connected to the Checking account AND there is no record on XXXX of that amount or that seller. Ally Bank is refusing to refund my amount of XXXX and blaming XXXX. This issue has been going on since XX/XX/XXXX. No one would talk to me at Ally Bank and say I had to wait for a letter. I just received a letter about the dispute and Ally Bank said they closed my dispute and I am stuck with missing XXXX.