davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

An agreement was found with XXXX for my student loans, an amount of {$41000.00}, in XX/XX/XXXX, where it was concluded to pay {$180.00} per month for ten years. The remained balance, from what they told me, would be considered as taxable income. The payments were scheduled to start on XX/XX/XXXX.
However, on XX/XX/XXXX, at XXXX XXXX, a call was received from XXXX XXXX, at ( XXXX ) XXXX, stating she is from XXXX XXXX which is a XXXX representative, and they work for XXXX XXXX. She switched the call to another person who sent me a link to verify whether all information is correct. Every time she asked me to click on a button, I saw my name. When I ask why my name is there? She replied this the new form used by XXXX now. I said stop, let me read, she said no, I will leave you a copy.
The bottom line, she never told me that my loans are going to be serviced by another institution called Navient.
Finally, I said let 's stop there, I have to talk to XXXX.
The business day, XX/XX/XXXX, XXXX was contacted and their response was : we are dealing with any company called XXXX, beware of scams.
The same day, XX/XX/XXXX, XXXX was called, no one answered. On the XX/XX/XXXX, I called again and left a message with a man named XXXX, asking him to tell XXXX to cancel everything that has been done the night of XX/XX/XXXX, .OnXX/XX/XXXX, XXXX  was contacted again, no response.. Immediately, I shoot an email to XXXX XXXX at : XXXX. A copy is attached.
Two weeks after, XXXX XXXX called me to confirm that everything has been cancelled. She even told me that the plan I have with XXXX to pay half, the balance will be a taxable income for you. And I replied : I do n't care, that 's what I want.
I sent a letter to XXXX about the fraudulent crime, explaining how XXXX XXXX has been used by Navient to collect student loans information in a scam way. A copy is attached.
About one month later, a letter was received from Navient, congratulating me, while stating : your loans have been processed. Immediately I sent a letter, urging them to reverse this loan. Three letters have been sent to them, they still disregard me. Copy of one of the letters is attached.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I'm a lil bit stuck with this transunion report that I just looked at and I have been having some issues with a couple other aspects but im not gon na be getting into all that I need to change a address and my phone number it's not correct at all as a matter of fact I was never really even residing at that address is just a old boss man of mine and I guess he didnt want to find out were u was I don't know but its the wrong street address and the qrong telephone number.. As well I would like to get my correct info onto the report like right away as I was saying it is really causing a lot of life or death issues in my situation right now but pls return my complaint re to : XXXX Thank you sincerely.. 
XXXX
Consumer complaint received 2017-09-08
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. (OH)

In the wake of the news reports confirming that Equifax had security practices which led to the improper disclosure of personal information, I visited XXXX XXXX/XXXX/XXXX where Equifax informed me that my " personal information may have been impacted '' by their data security failure.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, I hired a moving company via XXXX, aka XXXX, to move my household goods, into a storage unit. Because i had utilized the service numerous times before, I was under the impression that, as before, i had to give the moving company the payment code after my time was up and submit a complaint AFTERwards as, previously, the money was not released to the moving company until i gave a review. The moving company i hired did not complete the job, so i contacted XXXX and informed them of the situation. When i talked to their customer support, it was then i found out that I was not to give them the payment code if i was not satisfied ( this was not listed anywhere in the contract nor the website ). I was advised by customer support to file a complaint with my bank to get my money back. I file a complaint with my bank for services not rendered against the moving company, on the advice of XXXX XXXX. After months of waiitng, the bank reversed the charges on my account, resulting in my account being negative {$400.00}. Capital One then charged off the account and placed my name into a banking " credit repor '' resulting in my inability to open an account anywhere else. 

Capital One used a 3rd party to deny my request to recoup my funds- they never took into account a copy of the text message exchange between myself and the actual merchant, the moving company, in which he admitted he did not do the job. Capital One took the word of XXXX, who was the middle man and took the payment. After numerous request to get a copy of what they used to deny my claim, all XXXX submitted was a one word statement from the moving company where they asked him if he completed the job, to which his reply was " yes ''. 

Capital One asked me to submit my request to investigate this card fraud 4 times ... and denied it all 4 times. Only once did they send me a request for information- and that was when i ASKED them why they never asked me for proof. Only once did they send me a copy of their investigation. And that was when i kept telling them that ive asked for this information, repeatedly. To date, i have only received a copy of the results of their investigation ONCE, despite their having supposedly investigated this 4 times.
Consumer complaint received 2022-09-15
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: FREEDOM FINANCIAL NETWORK (MO)

5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC. (TX)

Prosperity Bank I was locked out of my account today due to a password issue. 2.5 hours later I am STILL locked out. During this time I have : Called - Customer Service # XXXX. All agents are busy - 10 minute wait. I had to hang up to manage my work calls.

I called back and after 12+ minute wait XXXX XXXX picked up my call and said I needed to send an email request to him and he would forward to the correct person to assist. Her name is XXXX XXXX XXXX. 2 hours later no response. I emailed them both back, no response. I called the 800 number again, on hold 8 minutes.

I called my local bank, they transferred me back into the customer service que. I called my bank back and again was transferred to the customer service que.

I am now 2.5 hours locked out of my account with no help in sight. This  is not the first time that I have not been able to reach anyone to help me. This type of service is totally unacceptable!
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I attempted to dispute this with the credit bureau, Transunion. However, their website continues to prevent me for submitting a dispute. I was logged into my account. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.
Consumer complaint received 2023-01-26
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. (TX)

XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance {$2500.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX XXXXXXXX XXXX Balance {$460.00} XXXX XXXXXXXX XXXX XXXX {$420.00XXXX XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$52000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$85000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2022-09-15
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: ALLY FINANCIAL INC. (MO)

5 U.S. Code 6802 - Obligations with respect to disclosures of personal information Ally Financial, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-03-25
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: AES/PHEAA (IN)

I sent an Affidavit Of Truth to Fed Loan Service certified Mail ( tracking # XXXX ) that was delivered and signed for on XX/XX/2021 It states facts including 15 USC 1681b ( a ) ( 2 ), which states that a any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 : In accordance with the written instructions of the consumer to whom it relates. 

I Never gave any consumer reporting agency or debt collector consent to furnish anything on my report.
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2020, my wife & I wrote a check to Ashley Furniture for {$8600.00} to hold the " labor day '' sale price of the new furniture until we returned. XXXX XXXX promised that the check would be returned to us once we came back after after our house closing. At that time, we did not want to apply for additional credit since we did not want our credit scores to be affected before we closed on our new home. When we returned on XX/XX/2020 to collect our check, to revise our previous purchase, and to apply for credit, we discovered that the check had already been cashed. It took us from XX/XX/XXXX to XX/XX/XXXX of 2020 to get our check back after numerous calls, texts and visits to the store. XXXX had previously told us that the check would be returned within 7-10 days. Prior to receiving the check, we lost confidence in XXXX, since he was no longer answering our calls or our text messages. We began dealing with XXXX ( XXXX ) XXXX. He printed us the final order tickets that had been sent to Synchrony Bank which consisted of one for {$8500.00} and the other for {$300.00}. The ticket for {$8500.00} included two unauthorized items that XXXX had left on the orders for a total of {$630.00}. On XX/XX/2020, XXXX made the adjustments of {$350.00} through order ticket # XXXX but he did not credit the remaining {$250.00} plus {$20.00} ( taxes ) = {$270.00}. His assistant ( XXXX? ) advised us that she would apply a credit to our Ashley credit card that we still had not received. On XX/XX/2020, I called the furniture store to follow-up with XXXX but he was not available. I then sent a text to XXXX to tell XXXX that we wanted the credit for the {$250.00} plus taxes through an order ticket, not through the credit card. By then, we had decided not to do future business with Ashely Furniture Stores. On XX/XX/2020, I texted XXXX to follow up with credits. He never bothered to respond. Meanwhile, we kept looking at the monthly statements from Synchrony Bank for those credits. As of today, XX/XX/2020, those credits have never been applied. When we called Synchrony Bank, we were told that we needed to discuss the credits with Ashley Furniture Store,  that they only dealt with the financing. On XX/XX/2020, we sent a certified letter with attachments to XXXX XXXX in hope that the problem could be rectified. The letter was received and signed on XX/XX/2020. As of today, XX/XX/2020, we have not heard a word. We are not sure how Synchrony Bank and Ashley are affiliated, but neither one is taking responsibility.
Consumer complaint received 2022-09-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge
Consumer complaint received 2022-09-15
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. (CA)

Experian did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with Experian. Please see attached certified mail and receipts. According the FCRA, Experian violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Consumer complaint received 2023-01-26
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. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on Experian, XXXX, credit report. Please remove all former addresses.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Back in XX/XX/2021 I purchased 2 Electronic devices that came out to a total of {$4700.00} with my synchrony XXXX store card however these items were never delivered to my address. XXXX says they were delivered but they were not delivered to my address. In addition one of the tracking numbers still says investigating and says it was delivered to XXXX XXXXXXXX? All I know is neither of these items made it to my house.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I want out of the promotional material mailed to me. There 's instructions on how to opt out. A number was provided for me to call to opt out of promotions and marketing ; however, they first asked for my social. That is something I 'm not comfortable giving and is scam like. I want this to stop immediately without providing my Ssn.
Consumer complaint received 2022-09-15
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: BARCLAYS BANK DELAWARE (WA)

I do not agree or believe this companies resolution to my dispute was fair. I clearly explained how this company failed to notify me of my online access to make payments being removed once my account was closed. I also explained I was provided false information earlier this year by a customer relations manager that I would receive a letter in the mail to help me reinstate my ability to pay online. I was instead sent just a statement and to this day do not have the ability to pay online. This repeated failure to assist me, and false information directly lead to me missing payments. In the official response from the office of the president from this company, the document even states you can make payment online, which was extremely frustrating for me, as this is not true. As I stated in my first complaint, this is the only company I have struggled to make payment with due to the lack of assistance and false information.
Consumer complaint received 2022-09-15
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX, 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