davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-10
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. (MD)

Navient wrongly ended my Income Driven Repayment " IDR '' plan a month early ( XX/XX/2019 instead of XX/XX/2019 XXXX and charged me the standard repayment amount for the final month of the 12 month cycle instead of the IDR amount. My payments have been on time every month and I have documentation of the error. I spoke to Navient customer service and was told it would be promptly corrected. I followed up a month later and was told the same thing but it still has not been corrected. As a result, my account has shown an outstanding balance now for almost 6 months and my credit score has been negatively affected.
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial (FL)

Hello, My name is XXXX XXXX and I have been paying Ameritech Financial Services for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that Ameritech was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that Ameritech said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that Ameritech was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my fedLoan login information.
Consumer complaint received 2019-11-10
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. (NV)

I've been fighting Experian for 2 years to remove a collection account that has ruined my credit and caused financial hardships. The collection account does NOT belong to me. And I disputed it over and over and over again but they refused to change it or send me any proof of account ownership. Under section 609 a of the FCRA I'm entitled to see the original document including my signature to verify account ownership, but they failed to provide me with that. In fact, they stated that everything is submitted electronically. I demand immediate removal of such account or I'll seek punitive damages via trial by jury. Enough is enough!!!
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!! 

I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop immediately.
Consumer complaint received 2023-01-11
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than XXXX days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Fraudulent account identity theft XXXX XXXX XXXX XXXX Amount XXXX Open XX/XX/XXXX This account has not been showing on my credit report previously This account has been deleted for about 4-5 years now and somehow reappears on credit report in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-11
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. (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2019-11-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial is trying to bully me paying for a false dept that's not mine and also falsely reported this to XXXX claiming the I owe this and rewording it as a LOAN. THEY HAVE MADE MY LIFE A LIVING XXXX. THEY WON'T STOP CALLING AND HARASSING ME. THEY CALL FROM SEVERAL DIFFERENT NUMBERS THE RECENT IS XXXX. Amount there asking for is {$1000.00} From .... XXXX XXXX XXXX XXXX XXXX account number XXXX ....
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The accounts are from these companies ; XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.
Consumer complaint received 2019-11-11
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: Commonwealth Financial Systems, Inc. (TN)

The company was XXXX XXXX the account was open XX/XX/2019 I have no idea where this came from! for the amount of XXXX called common wealth finance.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX and purchased a used XXXX XXXX XXXX XXXX XXXX. I came into the dealership with a letter from Capital One saying I was pre-approved for a purchase up to {$35000.00} After making me wait in the lobby for nearly an hour they came back and said that the lender ( Capital One in this case ) mandated that I purchase an Extended Warranty and that was the only way I would be funded ( at 16 % APR no less ). 

They said it covered bumper to bumper and was a good idea on a 4 year-old car. The cost was nearly {$3000.00} which was disclosed on the loan docs but not made clear to me at the time of purchase. 

Never the less, I brought the car in to the XXXX XXXX dealership for the XXXX service a few months later only to find out that none of the extended warranty applied. Fine. 

So I called the warranty company listed on the loan docs asking how to cancel the service. They said that I had to go the dealership where I bought it so they could get an odometer rating. Ok ( again ). 

On XX/XX/XXXX, I went to the dealership and requested a cancellation. They filled out the paperwork and gave me a copy of the request [ attached ] after I asked for it ( no, they did not volunteer giving me a copy ). They said that the refund of {$280.00} ( as disclosed on the form they gave me ) would be sent to the lien holder ( i.e. Capital One ). 

I closely monitored by Capital One account and never got the refund applied. I repeatedly called XXXX XXXX XXXX XXXX who said " it can take a few months '' to get your refund ( really??? ). 

In XXXX, I paid off the Capital One loan without the refunded amount applied. I continue to call XXXX XXXX XXXX  asking where my refund is but nobody can answer over the phone and they never call me back with an answer after insisting that they will research. Lastly, on Friday, XX/XX/XXXX a representative said it is showing as cancelled on their end ( great ) but he doesn't know where the refund is or when it will be paid. 

It's been 2 months since I cancelled this policy and still haven't receive my refund nor can I get an answer as to if/when I will and how now that Capital One has been paid off. 

I'm angered that they insisted adding the extended warranty ( I had a pre-approval letter from Capital One and nowhere did it say this ) ; only the dealership spoke to the lending regarding this. They got their money when I got the car. Now that I have cancelled this unnecessary add-on, my money is nowhere to be found. 

CRIMINAL.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-01-11
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-11
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: NAVY FEDERAL CREDIT UNION (VA)

Back in XXXX of 2021 Navy Federal Credit Union chose to accept my payment extension/defferment but didn't choose to tell me that they would report a missing payment and take my 100 % payment history from me they told me they would update it back its been months I still have a missed payment
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (ME)

I had a phishing email using a bogus XXXX transaction. XXXX was notified and they told me to contact my credit card company Wells Fargo to report. The rep was totally rude, inexperienced and refused to help me. He threatened me and I asked for his name and he hung up. He then deactivated my account including checking, savings and credit card. He also changed my preferences to mail whereas I could not monitor my accounts for fraudulent transactions. He did this arbitrary action without permission and was a retribution to my calling him an XXXX. Ok to hang up but not ok to deactivate my account preventing me to access my money and my accounts. After 15 years I canceled all my Wells Fargo accounts. Please investigate and stop a vindictive employee from causing harm to another customer?
Consumer complaint received 2021-09-19
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: Experian Information Solutions Inc. (VA)

I am writing this complaint and I have written the letters, not someone else or some other organization. I have been sure to keep GREAT records and a paper trail to use in court, according to the FCRA, to collect damages for violations in the event this account is not deleted and removed from my credit report and credit file. 

I have asked Experian and XXXX for more information on an account they refuse to do a reasonable investigation on. I believe they are using e-Oscar or some automated process that spits out generic information hoping most consumers take their word instead of them doing an actual investigation and presenting evidence and facts. They are violating my consumer rights, state laws, and federal laws such as 15 USC 1681, or the Fair Credit Reporting Act ( FCRA ). I have asked for a method of verification letter to see who could possible verify this account and I have gotten nothing in MONTHS. The most recent letter has also gone unresponsive and well over 30 days. This account needs to be deleted and removed from my credit file and credit report immediately! 

XXXX has responded with a deletion of this account after doing a reasonable investigation. I have also included their deletion letter in this complaint. As I stated in the beginning of the letter, I have kept a great paper trail while disputing this account with them.
Consumer complaint received 2017-09-16
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. (CA)

I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender. 
This complaint is frankly for the sexism I 've experienced from credit score companies.
Consumer complaint received 2022-08-12
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 an account without my written instructions.
Consumer complaint received 2021-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

Was contacted today XX/XX/XXXX that i owe ace payday loan from XXXX for the amount of XXXX. Now a place called account services said i owe XXXX. I told them i didn't. and he got a little upset and told me good luck with not paying. He was very rude.