davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

In late XX/XX/XXXXI was laid off and that carried over into XXXX. Laid off for the first time in my 12yr+ working career. I was struggling to make ends meat and to pay my bills on time. However, I call Navient and they basically said there was NOTHING they could do to assist me and that I should just continue to pay my bills on time. This did NOT sit well w/me as I struggled around the holiday time. <P/>Well, now I would LOVE to have my interest rate lowered for my current student loans, forgiven, or refinanced. That is my end goal here. I owe approximately $ XXXX and my projected payoff year is XXXX. I have called about this and Navient does n't seem to care or even willing to help instead they respond to me by telling me my next due date. <P/>Thanks!
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was a victim of identity theft and fraudulent accounts were opened with my social so I informed Capital One of the situation investigations were done and the accounts were ruled fraud and were removed from the Credit bureaus so several months later I applied for credit with Capital One and were denied due to previous accounts that was still attached to my social security inside Capital One internal system so I reached out to them and they stated basically thats the way they do business there is no such thing as Victim with Capital One they still hold the consumer liable for Identity Theft
Consumer complaint received 2019-11-06
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 (VA)

Opened a lowes account in 2013. Fraud was accrued on the account since then. ALL CHARGES are not mine and.they are saying i havent support them with sufficient evidence even though i did exactly as they told me. Made numerous attempts and numerous fraud investigations opened.
Consumer complaint received 2021-06-10
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. (FL)

Account : XXXX XXXX XXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.
Consumer complaint received 2017-11-10
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. (CA)

1. On XX/XX/XXXX- It got Credit report from " Experian " that contain one out of 4 names.
wrong. They told me to contact XXXX XXXX XXXX XXXX, who reported that information.
2. When I called Experian, they me told me that name was provided by XXXX XXXX XXXX XXXX and that modification can only requested by XXXX XXXX XXXX XXXX only..
3. When filed dispute with them, on XX/XX/XXXXXXXX XXXX XXXX XXXX, conveyed me to call their Phone XXXX 4. I have been have been in communication with XXXX XXXX XXXX XXXX number of times, since XX/XX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XX/XX/XXXX, as requested by XXXX XXXX of XXXX XXXX XXXX XXXX 's president 's office.
5. When called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX PST, they told me to call again Experian tel # XXXX.
6. I called Experian tel # XXXX.on XX/XX/XXXX at XXXX XXXX PST, they told me that there has been only one updated from XXXX XXXX XXXX XXXX on XX/XX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by XXXX XXXX XXXX XXXX only, This is very stressful for a person who is XXXX years ... ..
Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

XXXX, XXXX. 2017- Received call about a debt over ten years old. Guy claimed to be paralegal representing XXXX. When I asked him to send notification of alleged debt to my mailing address, he refused and offered to email me something instead. I told him I knew my rights and that I could request written notification and they would have to comply. He then said I likely gave this song and dance to people in the past. I dealt with XXXX XXXX XXXX for many years and still do, XXXX XXXX XXXX XXXX XXXX XXXX. I have received nothing from any bank regarding a debt. I asked the man three times to put something in the email and he refused to comply. When I looked up the company number, online forms stated it was used for various scams. Any debt I had in my twenties is beyond the statute of limitations. My credit rating is high and I have a bank account with XXXX. This call came out of the blue. He had my SSN. However, he would n't comply with request for verification of debt in mail and that raised red flags for me.
Consumer complaint received 2017-11-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

The company is taking extra interest on the loan every month, I have never been 30 days late on any payment. They send me a bill of what the interest and principal are suppose to be, but when I get the statement the following month, there is always more interest taken out as a penalty, and the balance due does not always match what the principal was suppose to be. I took this loan out over 10 years ago for I believe was around 14,000 and over 10 years later it is only down to about {$9000.00}. My payment is {$190.00} a month so even if they took half that in interest, I should have paid over {$12000.00} on my principal. Something is definitely wrong here and they are taking advantage of me. I called a couple times and the last time I spook to a guy and ask him about this and the only thing he could do is change my due date, what does that have to do with this extra interest coming out every month and he said he couldnt do anything about that. I sometimes would send a little extra to put toward the principal, but I see now that it goes into a fund they call deferred interest. What the heck is that? This is my last attempt with the company and then I go further into a law suite .
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing this complaint to CAPITAL ONE about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2017-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (CA)

OnXX/XX/XXXX I purchased a vehicle from XXXX XXXX which had a loan that was secured by Santander Consumer USA.
On XX/XX/XXXX I contacted Santander Consumer USA to voluntarily relinquish the vehicle, as I was unable to fulfill the terms of the loan due to financial hardship. I was informed by the representative that they would contact me prior to picking up the vehicle from my residence.
I was contacted by a representative of Santander on XX/XX/XXXX. At the onset of the call the representative asked if I was still unable to pay for the car. I responded that my circumstances had not changed ; the representative abruptly ended the call without saying anything further.
I was contacted by Santander on XX/XX/XXXX informing me that the car would be picked up from my residence on XX/XX/XXXX. The car was picked up as scheduled on XX/XX/XXXX. After the car was retrieved from my residence I have not received any further communication, neither verbal nor written, from Santander Consumer USA regarding this loan.
On XX/XX/XXXX I submitted an application for housing, and to my surprise I was denied. I was informed that I was denied due to a collection account that was in excess of {$8000.00}. Upon review of my credit report from XXXX, the collection account is from Santander Consumer USA, in the amount of {$8000.00}. I have never received any notice ( written or verbal ) regarding an outstanding balance or that the account was escalating to collections.
Under the Fair Debt Collection Practices Act, section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different of this from the current creditor.
Based on the foregoing information I am requesting an immediate investigation of this incident and the unfair collection practices of Santander Consumer USA.
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Phoenix Financial Services LLC (FL)

Not real sure what happened when I filed my taxes this year I did a credit report and on that credit report there was ridiculous charges I'll tell you right now all I owe in debt {$1200.00} to XXXX XXXX and maybe a couple of water bills from the past at XXXX  Bill bunch of XXXX but not to XXXX toXXXX XXXX is claimed on my report
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Per the FCRA, I am now opting out of any and all authorization that I, as the consumer, may have given to XXXX written or verbal, PER 5 USC 6802.

15 USC 1681 Definitions ; rules of construction ( c ) The term consumer means an individual. ( d ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( 2 ) Exclusions. A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. THIS MEANS YOU NEED MY WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT. I DID NOT GIVE THIS AUTHORIZATION AND IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. ALSO SEE 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Accuracy & Fairness of credit reporting 15 USC 6801 Protection of nonpublic personal information 16 CFR 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION ; 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 USC 6802 says no disclosure unless given an opt out option. I was supposed to get an opt out option every 30 days and this didnt happen once.
Consumer complaint received 2022-08-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

INQUIRIES ( stolen identity ) XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX  Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted XXXX XXXX on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 USAA SAVINGS BANK made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/202XXXX XXXX
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

Hello, We received a check from someone who we thought wanted to stay in our rental unit. That individual claimed that the check came from their place of business and that they accidentally sent too much money as some was intended for their travel agent. They asked us to refund a portion of the check to their travel agent. 

We waited until Chase confirmed that the deposit was accepted and then refunded a portion of the check to the individual via Chase XXXX ( XXXX ). The individual then stated that a work obligation came up and they would no longer be able to stay in our rental unit. We then refunded them an additional portion of the check via Chase XXXX as Chase had shown the funds were available and I never received a message from Chase that there was a bounced check. 

Unfortunately, I now come to discover that the check had bounced. I am shocked, disappointed, and angry that Chase did not immediately notify me that the check had bounced. As someone who has never bounced a check, this should have been setting off alarms at Chase and they should have contacted me via phone, email, text, or anything to notify me. I did not even receive an internal message when I log in that the check had bounced. 

I called Chase 's fraud & claims department and they were not willing to assist me at all. I spoke with XXXX and he was not helpful or sympathetic to my matter. In total, we were defrauded out of {$3000.00} between 3 payments via Chase XXXX. Chase 's current policies and customer service will continue to help criminals while hurting and angering their loyal customers. Chase should have immediately warned me that the check had bounced and I would have been able to help prevent additional fraudulent activity. Chase also should not have shown the check 's funds as available only to have it bounce later on. 

{$3000.00} is not a material amount of money to Chase, but to my wife and I, who are loyal Chase customers, it is.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

In XXXX of XX/XX/XXXXI was living in a XXXX XXXX XXXX in XXXX, TX the property was being managed by XXXX XXXX. I was having personal and financial issues and was no longer able to make my financial obligations and needed to move. I wrote the property manager letting them know the situation and that I would be vacating the residence at the end of XXXX. I was willing to assist in anyway in order to get new residence in and was very clear that I would pay whatever rent remained. I moved as planned leaving the residence clean and with out damages. In XXXX of XX/XX/XXXXI was served eviction notice for the residence that I had been out of for a full month. I have tried multiple times to reach out to the the property manger in order to make payment arrangements for the remaining balance of {$1700.00}. Now I have a collection with Fair Collections & Outsourcing for this residence. They are now attempting to collect {$9600.00}.
Consumer complaint received 2021-02-24
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: Experian Information Solutions Inc. (OK)

Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.
Consumer complaint received 2017-11-13
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. (TN)

Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries.XX/XX/XXXX XXXX inquiry, did not ask for them to do anything. Please remove inquiryXX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXXand XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
Consumer complaint received 2019-02-20
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. (FL)

XXXX and Transunion are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.