davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I attended school at The XXXX XXXX of XXXX from late summer of XXXX until summer of XXXX. During that time I accrued over {$40000.00} in debt to attend one year of school. The application process through XXXX XXXX was ambiguous and non-informative. The only times of urgency for the loan were when it seemed like the deal was going to fall through. I was never explained the terms of the loan or how it could possibly effect my future, even with a cosigner. I was merely given a very large financial document to read. Being XXXX years old at the time, I feel as though some sort of council or assistance should have been given. Some aspect of coaching. I was instead urged on by the school financial officer to do whatever I could to get the loan. 

Fast forward to post year of school and there was absolutely no assistance in repayment. The only offer I was given was forbearance on the loan. I was never explained to that the interest would keep accruing, or if I was, it was quick and almost a side note so that I would n't catch it. The calling center was always outsourced to XXXX, I was rarely ever connected to a person that could fully understand me. I took advantage of my full 72 months of forbearance and then had to start paying things off. Again I was greeted with misinformation and no assistance on repayment. No IDR plan offerings, no refinance or anything. I could make interest only payments is what was offered. And that is where it sits today, I can make interest only payments or pay the full amount, which is only maybe a {$60.00} difference. 

I feel I was lied to, blindsided, and taken advantage of just so some junky for-profit school and loan company could make tens of thousands of dollars off of my youthful unknowing. I am now unable to afford a house for my family, I had to go back to school in a different career in order to even attempt to try and have a normal life and rack up even more debt. I currently have no way out other than to pay the payment in full every month in order to keep my credit score from tanking and to also avoid the consistent calls and pestering. 

Quick to collect money, stuck in a tar pit when it comes to helping.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Hello My identity was compromised around XX/XX/2016, and I then reported it to the three different credit bureaus asking them to implement a 'Fraud alert ' on my account, so that if anyone opened an account, they would need to verbally confirm with me. 

I just found out last week that Experian had implemented a Credit Freeze, instead of a Fraud alert. It appears they are using this as a method to get people to sign up for their IDWorks ( {$24.00} per month ) which I did in an effort to get the freeze removed. 

Also, there is NO PHONE NUMBER where you can talk to them directly. The only way to get through was to sign up for the {$24.00} per month plan. 

Outrageous! Since I can not get a credit card without them removing the freeze!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Every time for the past year, when I applied for credit for car loans, credit cards, leasing for housing, and companies that use Equifax consumer reporting agency I been denied access to credit. Equifax is using unfair bias practices tactics on how they report minorities ' FICO score - credit score. I applied for a loan with XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, Ga XXXX, on XXXX XX/XX/2021. I was denied credit because the Equifax score reporting system is biased it reported my credit score is XXXX. That's inaccurate. My score should be higher. For years Equifax has been reporting low scoring for minorities affecting their livelihood and unable to obtain the American dream. 

Please probe Equifax credit scoring systems.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was told that my credit was not ran and that they used my sisters information only to get a loan for a vehicle. I was lied too and on XX/XX/2019 my credit was ran and on XX/XX/2019 credit was ran twice by 2 different banks.
Consumer complaint received 2018-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I would like to obtain the assignment documents of my loan from the initial loan servicer to the servicer that it was subsequently sold to. I requested the documents from XXXX XXXX but they were unable to find them as ofXX/XX/2018. I have been paying on time for this loan for over 10 years and am only 25 % paid off-I am not sure this has been a legitimate process so I would like to see the paper trail.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name  : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-07
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. (GA)

In accordance with the Fair Credit Reporting act Convergent Account by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (FL)

I asked for a couple of accounts to be verified by XXXX and they have yet to verified the accounts {$710.00} LVNV FUNDING XX/XX/XXXX XXXX {$450.00} XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-06-27
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. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EQUIFAX for furnishing inaccurate information to my consumer credit file. It is imperative that EQUIFAX always has the most accurate information in my credit file. By furnishing these inaccuracies, EQUIFAX is in direct violation of 15 USC 1681b ( a ) ( 2 ) because EQUIFAX has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Enclosed are : Letter sent to EQUIFAX, EXHIBIT A SHOWING CORRECT ADDRESS, Passport card AND SSN FOR IDENTIFICATION Identity Theft Report WITH UNAUTHORIZED INQUIRIES AND INACCURATE ADDRESS
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions
Consumer complaint received 2021-01-31
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 — Problem with personal statement of dispute
Company: CURO Intermediate Holdings (CA)

Dear Speedy Cash credit reporting department I have 3 hard Inquiries on my credit report Did you get three separate and complete applications even so only one should've reported only one counts regarding this loan on XXXX. Can you send me a copy of such applications. There are two hits on XXXX and one on XXXX. Please help me clear this up is affecting my credit score I am trying to rebuild. Thanks.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc. (AL)

NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capital one XXXX XXXX XXXX XXXX Ca Was closed for stealing my 1099 from my mailing address and the terroristic attack of XXXX from my bank account. They are complicit in multiple crimes all including corrupted local law enforcement ( staged looting and riots ). 

This was a crime prior to the onw the COMMITTED here in my other complaint
Consumer complaint received 2021-02-01
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: Global Lending Services LLC (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, GLOBAL LENDING SERVI add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-09-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau .
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Recently I received my amended tax return check and made a mobile deposit into my joint checking account with my spouse. They made XXXX available and put the rest of hold until the check cleared. Two days later, They put my entire account on hold, including my husband 's pay roll direct deposit. They put my entire account under fraud alert stating that my check was not a real check. After numerous calls to the IRS, the confirmed that the check was legit and that they did issue it to my spouse and I. Then for no reason at all, decided to tell me that they are no longer going to keep doing business with me, and that my husband and I would have to wait 60 days to get any of the money that was in our checking account. They refuse to allow us to have any access to any of our funds, put our account on fraud alert for no reason even after it was confirmed with the irs that it was a legit check, also refused to provide any reason as to why they were refusing to do business with me anymore, Also would not give a reason why they were closing my checking account.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached complaint # XXXX to XXXX and XXXXemove the account XXXX for incorrect reporting. Transunion is reporting a balance on an account that is uncollectible due to the statute of limitations in the state of Texas. XXXX and XXXX have since removed the account and I expect Transunion to follow suit and correct this inaccuracy that is causing my credit rating great harm. My credit report is attached to show that Transunion is the only credit reporting agency to furnish this incorrect information.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

i contacted BOA onXX/XX/XXXX19 asked why they withdrew - {$24.00} from my bank account even though i am not set up for auto pay good thing they did not overdraft my bank account. Also when i called back XX/XX/XXXX19 their auto ivr system says 30 mins to 55 mins to speak to a representative. this is unacceptable. I feel the bank is being negligent.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (SC)

Td bank continued to overdraft my account without any notifications and now, I have overdraft fees I ca n't afford. I 've paid them literally THOUSANDS in overages, then as soon as I 'm out on medical leave, I 'm faced with this! Prior to, I purchased a money order from them, and had to wait 90 days with the receipt to get it back!!! RIDICULOUS then after I reached out to clear, they give me only 30 days. Uggghhh
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

XX/XX/XXXX we had an engagement party on our daughter. I called Citizens Bank 2 days before to be sure my Mastercard credit card was all set to use. There was a {$60.00} balance on it. They told me it was all set. When we went to use it at the end of the party we were told it was declined. The whole situation was totally embarassing. On Monday i went into Citizens Bank in XXXX, RI. They reported the instance and assigned a case number. Months went by and no one got back to me. I called a couple of months ago and that call prompted them to look into it. They called it human error. Evidently, when I called to be sure the card was fine we got talking about a better card which may carry points. Well because of the conversation they closed my current credit card and reissued a new one which i received in the mail 10 days later. They never told me they were closing my present credit card. Also when I went into Citizens Bank on that Monday the representative there told me a person can carry as many as XXXX Citizens Bank credit cards. We have had a credit card with Citizens Bank since 1972. This is all recorded and they are calling it human error and for them that is the end of it. Well for me it is not ; we were totally embarrassed in front of the family members and new family members. Everyone new there was a problem with payment. You can explain all you want but you know they are looking at you saying " Yea Right. ''
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Navient f ormally   XXXX   XXXX  . Would not honor student loan forgiveness program for  XXXX  in  a    XXXX   XXXX   XXXX   for 5 years- {$17000.00}. Navient -did not apply extra money sent in to my principal loan amount, would not lower my payments, and would not extend my loan.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I am a USAA customer and in XX/XX/2016 they migrated from MasterCard credit card to a visa branded card for all their customers. The balance was transferred to the new visa branded card and the legacy MasterCard account was supposed to be closed. Upon review of my credit report, I found that the legacy MasterCard account was still on my report with a balance of over XXXX. 

I have filed a complaint with the resolution department at USAA but upon review of my wife 's credit report, the same problem was there too. 

I am complaining because I only found this problem by happenstance and I suspect that many more consumers may be affected. If a customer had this issue, they might never know unless they meticulously reviewed their credit report. 

In my conversations with USAA staff, I found that this is a known issue to some of them. If they know, why have n't they checked and notified those affected? This seems suspicious as if they were concealing this problem.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.