davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

I have online savings acount with Discover Online Savings which had significant money, I dont use it much as its a savings account. I discovered on XX/XX/XXXX that around XX/XX/XXXX there were fradulant withdrawals from the account to the tune of XXXX XXXX The statement description says " XXXX  ACH ''. Though I have a XXXX account, it was never was linked to this bank account and there is no history of any such activity in my account.. I was not sent any notification by the bank of transfers nor was there two step authentication. XXXX and Bank refuse to help as its more than 1 year but as this is savings account which I did not use, I did not see the need to check statements regularly.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC (IN)

Med-1 Solutions LLC attempted to call me at XXXX XXXX  on XX/XX/2021 XXXX XXXX  on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXX XXXX XXXXn XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 These are only the calls that come from the official numbers. They have also called from local mobile numbers from XXXX as well as out of XXXX personal mobile numbers. 
I have requested they cease contacting me until I contact them and they have not complied.
Consumer complaint received 2020-12-05
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. (AL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the credit fair act sayin they didn't receive it and also they need to show me a sign contract with my signature on it to prove the debt. they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court if they do not delete these account last warning
Consumer complaint received 2023-03-23
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$6400.00}.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It concerns a wire transfer in US currency from the XXXX. The amount did not arrive in full in my XXXX XXXX  account. It was short an amount of which its whereabouts neither the XXXX XXXX nor the XXXX XXXX  could be explained. The wire transfer was subject to fees identified and separately charged by the XXXX XXXX. There were not wire transfer fees charged by the receiving bank. Upon further investigation the discrepancy could not be explained by either bank. The conclusion is that the lacking amount must have been purloined en route. Someone suggested that the wire transfer was subject to a " lifting fee '' charged by an " intermediary '' bank but neither the XXXX XXXX nor the XXXX XXXX  could identify and intermediary bank involved in this transaction. The money has just simply vanished in the haze.
Consumer complaint received 2024-02-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NY)

This housing complex is saying that I owe them money for an apartment I never resided in, or resided in the state of North Carolina I applied for XXXX XXXX got approved on line in North Carolina I gave it to XXXX XXXX XXXX  they took rent money from North Carolina XXXX XXXX XXXX program for over 12 months on my behalf knowing that I was not there and never resided there and once XXXX  XXXX found out about how they scammed the state for that money they had to give it all back to the state and now are harassing me and threatening me falsely for money that I dont owe them there messing up my credit badly please help me do I need an attorney please help me
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (FL)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I entered into a forbearance agreement with Cardinal Financial due to a Covid-19 hardship ( Reduction of work hours ). That agreement ended on XXXX/XXXX. I have called Cardinal at least a dozen times and informed them I wish to pursue XXXX XXXX Flex Modification for COVID-19 Impacted Borrowers. I have sent in the XXXX twice with email confirmation received. I have received no further communication from Cardinal to work with me on a Loan Modification as required by the CARES act. Today I received notice from a credit monitoring service that my loan has been reported delinquent to the credit agency despite this not being permissible by the CARES act.
Consumer complaint received 2020-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax data breach and possibly placed in the hands of individuals with ill intentions.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

A letter was sent to National Credit Systems as a request to provide validation of the account they are allegedly collecting for. I sent this letter on XX/XX/2020 and they got it XX/XX/XXXX. To make sure they get it I sent it by certified mail with # XXXX. I have yet to hear from them despite the extra time they had to investigate and give validation because of the pandemic.
Consumer complaint received 2019-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OH)

Made the mistake of contacting this company back in XX/XX/2019 for a short term loan of XXXX. They started taking XXXX a month out of my account. I contacted them in XXXX and was given a payoff of {$830.00}. I had already paid them {$1300.00}. I told them that I was revoking the authorization to take any more money out of my account. I then requested a copy of my agreement which took over a week to get. I finally received the copy of my agreement and it showed the interest rate is 749 % which is illegal in our state. So if I continued to make payments of the regular amount, I would owe XXXX I call them and get no response. I now understand this is illegal and doing even more research found that this company is not licensed to do business in our state of Ohio. I am a mother who is struggling to finance XXXX for a son who is caught up in the XXXX crisis. 

I tried to upload documents and it would not load. If I can email this please let me know. Thank you.
Consumer complaint received 2019-06-05
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: Colony Brands, Inc. (MA)

There are two accounts on my XXXX, XXXX and XXXX credit file that I do not recognize, the accounts are showing as discharged in bankruptcy but the problem is that I never had accounts with these companies called XXXX XXXX and XXXX XXXX, there is no phone number being reported and it says that the accounts were opened in XXXX and XXXX. I have disputed these accounts with all three credit bureaus and for some reason they told me that the accounts was verified as accurate. I know this cant be right because like I said I never had an accounts with these companies. I asked all three credit bureaus for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

There are reports of times and dates and city and state that was not done by me! 
XXXX XXXX  XXXX, MI XX/XX/XXXX XXXX XXXX XXXX, KS XX/XX/XXXX XXXX XXXX XXXX, GA
Consumer complaint received 2017-09-25
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. (NY)

On X/XX/2017 I opened a free account with Experian that allows a user to monitor their credit report for free. I used my account to initiate a credit freeze on my credit file and I was directed to Experian 's Identity Protection feature which is not free. After I declined the Identity Protection I found the page to place a freeze on my credit file. I entered all my information as I did when I opened the free account and Experian declined to place the freeze on my credit file. Experian used the excuse that they could not place a freeze on my credit file based on the information I entered. I used the same information to open the free account so how could it be correct to open the free account but not to place a freeze.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Had Samclub Mastercard since 2001, was about to take the card as my sole method of payment in a trip to Europe. Called customer service to inform them of my travel plan and was surprised that my account was closed. No notice, no letters, no emails, nothing ... 

Reason is lack of activities ... Account can't be reopened or activated ... have to apply again ...
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

In the years of 2015 all my students loans was placed on a forbearance program. Navient is reporting it was not. On my credit and the attached documents Navient continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-17
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. (CA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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. 

XXXX 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 has violated my rights. Or 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 2020-04-28
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing in regards the response Kohl 's made to my complaint. They continue to fail to address the issue in my complaint. They continue to go around the real issue by stating I am requesting they create an inaccurate representation of the status of my account, quite the opposite. I was told by customer service representative hired by their company ; provided me with information as to how I should make a payment to my account. If this information was incorrect and XXXX 's payment could not be divided within the two months I should not be penalized for this incorrect information. I did as a I was requested to do so that my account wouldn't reflect a thirty day late on my credit report. My record speaks for itself of never being late with this company or any other company that conduct business with. As a consumer who takes very seriously the importance of having and maintaining good credit ; this company should in good faith take into consideration the validity of my complaint. And not just view this someone trying to abuse the integrity of the credit reporting system!
Consumer complaint received 2023-03-23
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. (CA)

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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, I XXXX XXXXXXXX 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. 

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 2021-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

Opened account with proof of residence. 

Account closure started XX/XX/XXXX without my knowledge and still no explanation why. 

Account has been closed and now they are requiring additional items up to and including a notarized letter just to give me my money. It's been nearly 2 whole months.

I just want my money so I can get my medication.

The customer service has been atrocious. I've spent numerous hours on hold and get transferred to one person or another. Once I actually spent 1 hour and 32 minutes on the phone getting bounced around and put on hold, just to be told they have no information.
Consumer complaint received 2019-06-05
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. (LA)

My name is XXXX XXXX, my complaint is in regards to the way my loan payments are applied. Navient is the service provider. I currently have 5 student loans with them, all set up on Auto draft payments. In addition to the monthly autodraft I make over payments. I specify which loan each over payment should be applied to. The problem is, every time I make an over payment it automatically advances my due date on that specific loan so that the next ( or several ) regular payments are not made ( other than the interest ). I have called, and Navient apparently has a setting where any over payment will NOT advance the due date. However, 100 % of my overpayments have advanced my due date. I have to call, speak to a representative, and I get the same story 100 % of the time. They see that it shouldnt have, they apologize, tell me they will send in a request to a back office to get the issue resolved. The issue has never been resolved. This has been going on for over a year. My account is setup to not have my due date advanced but it still advances. 

The next complaint I have is in regards to over payment applications that I did NOT specify where the payment should apply. Again, my account setting is to have ANY additional payment applied to the loan with the lowest balance. Again, not a single time has this ever happened. However, the unspecified overpayment gets applied across all loans unless I call to have it reapplied. 


The resolution to the problem will be to have my loan payments apply the correct way.