davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
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: CITIBANK, N.A. (OK)

On XX/XX/XXXX, I noticed a hard inquiry from CNBA that occurred on XX/XX/XXXX. I had applied for a citi credit card back in XX/XX/XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XX/XX/XXXX.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NY)

I was the customer with XXXX I did buy their XXXX  in XX/XX/XXXXand paid by my bank card, all done. But I got trick to their offer to try and use their XXXX XXXX, I did try and cancel AFTER they charge me initial try for {$99.00} USD, and monthly they keep charged into my bank card, I cancel and got all the refund back. 
In XX/XX/XXXX I have no choice have to look back XXXX to buy their other product : XXXX XXXX, I did buy and paid by my credit card ... this time their products are not working, I have to return, they got it back and promise will refund back to me the amount I pay, and payment never received from XXXX.After I bought their products they also offer me to apply for their credit card, I surprise ... and try to apply ... week later, I got the reject letter from XXXX XXXX notify me I don't qualify, that letter was from XXXX XXXX .... later XXXX send me a card call XXXX XXXX, last year I apply XXXX but NO CARD, this year DIDN'T apply XXXX  and got the card .... and ridiculous on the card has a sticker : NO ACTIVATION REQUIRED..! so when you receive, you have it, you are the owner you have to pay what ever thay ask you to pay as the agreement, I never know they have the non sense agreement that I never get it in the mail or by email or asking me to check XXXX   page ... XXXX end up I have the letter asking me to pay lamost {$400.00} usd include the late payment which is {$35.00} each poip .... That's the way XXXX trick all customers to buy their products with free shipping. 
I complain about XXXX XXXX and they promise and send me back a letter, they did but NOT IN DETAILS .... what product I bought? and they also give me all the refund but later they charged back ... that's is the point I have to write this letter. 
Thay start search my credit report, from XX/XX/XXXX until XX/XX/XXXX almost more than 10 times my credit report was searched by XXXX & XXXX XXXX  in Florida .... please give me the answer, about the details, FEAR LAW, and PRIVACY LAW PROTECTION .... my privacy was invaded by XXXX & XXXX XXXX at any time they want, they can steal your information to resell to other company online, after XX/XX/XXXX, I got lots of {$1.00} life insurance invitation, car insurance, home mortgage loan and my credit FICO sore was shrink to XXXX in XX/XX/XXXX from XXXX XXXX .... 
XXXX XXXX  also help XXXX to attack customers at the same time, they never give you WHO COME in to check your credit score, on their FICO score I approved they are excellent rating but after I found they are hired by XXXX then the story is finished with XXXX. 
XXXX XXXX  send me letter or billing statement monthly, XX/XX/XXXX they treat me if I didn't pay the bill they will let the COLLECTION AGENT TAKE CARE for them, just less than {$300.00} unpaid bill because the wrong charge and overcharged bill and they never send me the details of the charges.
Consumer complaint received 2017-06-26
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)

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX service member, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my military career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient ignores my complaints about XXXX XXXX XXXX  practices and deceptive XXXX program ; request to stop calling all day from their automated voice calling systems ( even calls on Sunday and after hours ), and pressured from loan acquisition I received in beginning. I felt they misleading me by providing me with bad information, processing payments deferments incorrectly and using deception to direct borrowers away from plans offering lower monthly payments. They failed to do anything about my complaints involving incorrect processing of deferment and forbearance forms ; bad reporting to my credit records leading to me having incorrectly and/or damaged my credit of XXXX borrowers whose loans had been discharged under a government program by incorrectly reporting that their loans were in default. Navient encouraged me to take forbearance when I could have qualified for income-driven repayment plans. Causing me to exhausgh my use of forbearances.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is a double listing of the same exact account on my credit report. There is two XXXX XXXX that are reported on my Experian credit Report. They are both for the same account. Only 1 should appear on my credit not two ..
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Several credit reporting agencies are not able to monitor/ access my Equifax credit reports and score. The agencies attempt have been made and unsuccessful were XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I have contacted Equifax via phone and letters. I received a response back on XXXX/XXXX/2017 indicating my credit file with Equifax could not be located ; however I have made several calls to Equifax and verified all information during game calls and no explanation could be given why credit was not updating nor reporting. I received a letter on XXXX XXXX, 2017 stating my name and email and address are reporting correctly.
Consumer complaint received 2021-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Carvana Group, LLC (WI)

Lenders made Illegal Discriminatory Markup and refused to send a FCRA Notice stating they only took a soft credit report and don't have to send me a FRCA. 

As my quoted down-payment is o {$13000.00} but its was advertised at a {$2000.00}. 

My markup is due to discrimination and retaliation against me. 

I spoken with Carvana as their representative XXXX number at ( XXXX ) XXXX, she told me that I can not speak to a management because they work from home and I have to walt for XXXX days before I can have make another application. 

She indicated they took a soft pull that implied they don't have to follow FCRA.
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (NV)

I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX  account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).
Consumer complaint received 2016-08-27
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Navient Solutions, LLC. (FL)

I was sent a letter from XXXX XXXX Indicating that I owed them over XXXX from Navient. However I am in good standing with Navient and after checking my account on Navient 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to XXXX XXXX was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.
Consumer complaint received 2022-10-25
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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 an alleged fraud or extortion. 
XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (IL)

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 I have not authorized any these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

For the past 12 months PHH has held up my mortgage loan modification. They make my husband and I jump through hoops to get our modification approved, including having us notarize the same document nearly 10 times with no proper guidance. The last time they sent a notary, they asked for the document to to done in a manner that is not ethical or legal. When PHH sent the notary, they did not extend the deadline for my modification to be submitted, even though the document was due the next day. PHH has grossly mishandled our mortgage modification every step of the way with no help or answers to any of my questions. This issue has significantly impacted my family and credit. My husband and I are not able to make any major purchases, since our credit shows we are in default, although we have been making payments that are not applied to our account. Also, due to Covid 19 my families income has changed significantly, so I don't know if PHH will approve us under the same conditions or interest rates that we were previously approved for.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

My checking account was hacked/scammed. It was discovered on XX/XX/2023. Bank was immediately notified. Accounts were closed. Everything was properly secured. All paperwork was sent to the XXXX XXXX XXXX XXXX. The monies that were taken went to Cash App. XXXX XXXX XXXX XXXX requested search warrants to be conducted. They were done and completed through the XXXX XXXX Police Department by Detective XXXX XXXX. Cash App has been notified and keeps closing the claim stating that they show I was the one making the transactions. Search warrants showed several IP addresses from all over the country with the monies being sent everywhere. XXXX XXXX states that because it was a Cash App issue and a third party they are unable to provide any refund. They say it is strictly a Cash App issue. We can not get Cash App to understand what is happeneing. We have the search warrants to disclose to them but they just keep closing the claim and hanging up on myself and the detective. Can you please help me.
Consumer complaint received 2022-09-08
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. (NC)

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2020-01-18
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. (NC)

Trans union is blocking my ability to secure lending by reporting my information under a deceased individuals SSN I have sent them a copy of my SSN via mail, and followed up to verify if the issue is resolved. I was told my XXXX XXXX on XX/XX/XXXX the death notice was removed. On XX/XX/XXXX I was closing on a car and my loan was not approved because of the deceased individuals SSN being tied to my account. Trans union has done nothing but block my ability to secure lending.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I HAD PRE-APPROVED INVITATION TO THEIR XXXX CREDIT CARD. THE ACCOUNT WAS OPEN ON XX/XX/XXXX. I MADE ALL PAYMENT ON TIME EVERY TIME. THEY REQUEST CONFERENCE CALL WITH THE XXXX XXXX. I HAVE REQUESTED TO SEND ELECTRONIC DEPOSITS TO MY ACCOUNT AND I WILL VERIFIED THOSE DEPOSIT BUT THEY DENIED AND WANT TO VIOLATE MY PRIVACY IN REGARDS MY BANKING. I HAVE SAVING AND CHECKING ACCOUNT WITH XXXX XXXX AND THEY STILL PLACING RESTRICTION ON MY CREDIT CARD ACCOUNT ENDING # XXXX  WHICH SHOWING ON MY CREDIT REPORT AS CREDIT LINE OF {$500.00} IT 'S BEEN OVER A YEAR AND THEY STILL AS OF TODAY XX/XX/XXXX DENIED TO REMOVE THE RESTRICTION.
I WANT THEM AS CAPITAL ONE CONSUMER TO THEIR BANK TO REMOVE THE RESTRICTION IMMEDIATELY OR PLACED TWO VERIFICATION DEPOSIT TO MY XXXX XXXX ACCOUNT AND I WILL VERIFIED THOSE DEPOSITS FOR SECURITY PURPOSES BUT I DO NOT WANT THEM ON CONFERENCE CALL WITH THE BANK.
Consumer complaint received 2022-08-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this account.
Consumer complaint received 2020-05-06
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: Santander Consumer USA Holdings Inc. (NJ)

Double jeopardy Chrysler capital Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of XXXX XXXX XXXX amounts incorrect the used information that I gave them lately to up date to keep on my report.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MN)

US Bank issued me an escrow overage refund check in the amount of {$1600.00} on XXXX XXXX XXXX. The check was lost and never cashed. I recently found the check and contacted US Bank on XXXX XXXX XXXX requesting the check be reissued. US Bank denied the request and told me to contact The Minnesota Department of Commerce,  Unclaimed Funds. I reached out to them on XXXX XXXX XXXX via email and was sent a response stating that they have no record of these funds ever being submitted to them. I reached out to the Minnesota Department of the Attorney General on XXXX XXXX XXXX and was encouraged to reach out to the Consumer Financial Protection Bureau for help. 

Thank you very much for your time and attention!
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

This is a Parent Plus Loan from XXXX XXXX ( now Navient ) of {$14000.00} in 2009 I received while my daughter attended the XXXX XXXX XXXX XXXX - XXXX XXXX. I started making payments on this loan as soon as it was established and I believe my payments were not allocated properly as this loan should have been paid in full by now. The monthly payment amount would continually change but I always paid more than the required amount.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Oklahoma Student Loan Authority (OK)

Some one has got several students t loans in my name. I was XXXX during moat of them most are loans from the okla student loan Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.