davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC. (ME)

My son applied for a student loan through XXXX XXXX I did n't know at the the time my name was used as a co signer just as a reference only. there are 4 loans and only one, the last one was in my name. My son did n't pay for the loans and XXXX XXXX contacted me and said I was a co signer on his 3 loans. I said I never signed anything can you send me the loan application with my signature on it. they sent me the copy of the application that is with Navient now, and no signature anywhere with my name on it was found. I called them and they said they did n't need a signature they use the I.P. address as a signature. they told me I would have to go to the police department and file fraud charges against my son and fill out some paper work with no guarantee that I would be removed. No father wants to file charges against his son or daughter our relationship is hard enough know with him not paying the loan. I have been setting up every year with Navient payment on these loans but I feel they have blackmailed me into this position. they have also filed late payments on my credit report for bills I did n't know where over due because I was not the original name on the loan. I feel this whole student loan program is a scam no where can i get this money without signing my life away. an I.P. address only???? And you can get 100k something is wrong with this system and I am an innocent victim left to pay. 

I hope you can help me thanks for your time XXXX XXXX XXXX  Navient loan # XXXX loan # XXXX loan # XXXX
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CT)

XXXX XXXX has buried information in credit agreement as to how deferred interest payments are applied. Despite paying 2X the balance owed on a deferred interest purchase, I was still assessed the deferred interest charged based on the way the payments were allocated. This approach is entirely misleading and unfair to the consumer.
Consumer complaint received 2021-07-07
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)

Remove negative inaccurate accounts immediately The original agreement with acceptance now 1 doesnt have any signature 2 have only employees s signature 3 this contract isnt legal 4 if this contract or agreement doesnt match with any credit bureau why Still in my report and why Transunion have verified this account as accurate I want to hear how Transunion will explain that to a judge And is a big violation committed by Transunion even violating my rights with this unfair act
Consumer complaint received 2017-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Here is what happened : 1. On XX/XX/XXXX I put a XXXX XXXX XXXX XXXX Unlocked smartphone up for sale on XXXX with no returns accepted. Proof : XXXX XXXX XXXX 2. OnXX/XX/XXXX, a XXXX XXXX in California purchased the device for {$580.00} + {$12.00} shipping and she paid through PayPal. 

3. I shipped out the device within the next couple of days, and on XX/XX/XXXX the buyer confirmed that she received the device in perfect working order and that my service was perfect. However, she also requested to return the device. Proof : XXXX XXXX XXXX 4. In accordance with XXXX 's terms of service, I rightfully declined the return. 

5. The buyer ( XXXX XXXX ) proceeded to dispute the payment ( {$580.00} + {$12.00} shipping ) with her financial institution. 

6. PayPal contacted me regarding the dispute, and I sent them the proof that I have supplied you showing that the item was posted for sale with no returns accepted, and that the buyer acknowledged receiving the device. 

7. About a week or two later I got a notification that the buyer 's financial institution decided in her favor, and they reversed the charge without requiring her to contact me or ship back the phone or send me the money in another way. 

8. PayPal has now locked my account and is asking for the {$590.00} ( {$580.00} + {$12.00} shipping ) back from me, even though I do not have the phone. 

9. I have contacted XXXX and PayPal many many times since then, requesting their help, but XXXX just tells me to talk to PayPal, and PayPal just tells me to talk to XXXX or the buyer directly, and that they can not give me the name of the buyer 's financial institution. 

10. I contacted XXXX XXXX directly per PayPal 's suggestion, we had 1 discussion about this issue over the phone, she claimed she was not aware that the dispute was decided in her favor, and said she would have to catch up on email and get back to me. 

11. Since our first contact over the phone, XXXX XXXX has blocked my phone number it seems and is not replying to my emails. 

12. It appears she is trying to commit fraud and scam me out of the phone that I sold her and the money. PayPal and XXXX have done nothing to help in the situation and are completely denying any responsibility to aide in resolving the manner.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Transfinancial Companies, Inc (LA)

I previously wrote the following Creditor Transfinancial Companies to validate a debt they stated I owned them. Dated XXXX XXXX, Transfinancial Companies sent me my Medical Treatment Record Account from XXXX XXXX XXXX in the amount of {$1900.00} on the Treatment date of XX/XX/2020 for " CRITICAL CARE FIRST HOUR. '' On my patient service bill it states that " These charges are for the services rendered by the emergency dept physician at XXXX XXXX XXXX XXXX. '' I know that this is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Transfinancial Companies to have access to my information.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (PA)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute Regarding Mortgage Obligation Post-Divorce Settlement I am writing to formally dispute the mortgage listed on my credit report, as per the court judgment in my divorce settlement which mandates my ex-spouse to assume full responsibility for said mortgage. Kindly update my credit report accordingly to reflect this legally binding arrangement. Furthermore there are several reporting violations listed with said mortgage.
Consumer complaint received 2017-11-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
Consumer complaint received 2017-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

.Im not paying for these finance charges that have been blown out of proportion. XX/XX/XXXX2017 they offered the same vehicle for sale for XXXX. XXXX XXXX XXXX in XXXX XXXX, LA.. Ive got copies from the internet Tell Nissan to call their collection dogs off and lets fix this. They cant be Stupid the rest of their lives..
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ME)

In late XXXX of 2020, we attempted to refinance our mortgage with Wells Fargo and were trying to include a 'cash out ' to be used to payoff student debt. On XX/XX/2020 we submitted a payment of {$660.00} from our checking account for the appraisal of our property. Shortly thereafter during the first week of XXXX, we were contacted by the mortgage consultant and told that they would not be able to do the appraisal due to COVID-19 impacting individuals conducting appraisals. During that phone call, we cancelled the application. 

Via email, I have contacted the consultant repeatedly over the past month. As of this date, XX/XX/2020, the appraisal fees has not been refunded to our account. 

We were required to submit the fee immediately so the refinance application could go forward. Yet, Wells Fargo has held those funds for over a month.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one closed 2 of my credit cards today XX/XX/2022. One of the credit cards I just got approved for on XX/XX/2022 and hadnt even received the card in the mail yet. The original account was closed due to returned payments which I tried to explain the funds were available in my account at the time and they should not have been returned. I let them know I can print off a statement to verify. I also made a payment that posted immediately once I noticed the bank returned the previous payments. The last payment did post. The card I was just approved for on XX/XX/2022 that they closed has not even been used yet nor the card received in the mail. I just linked the account 2 days ago when I received the approval email. Capital One customer service and the accounts department was completely unhelpful in trying to find a resolution for at-least the account that was just opened. This makes an impact on my credit report as well as having an extra inquiry on my credit report. The account being closed that has not even been used yet is completely unacceptable and unfair.
Consumer complaint received 2017-11-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
Consumer complaint received 2020-05-03
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. (AL)

Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I had been using chime for years. I had moved back to Michigan after my nephew was XXXX  he ended up passing away. At the time my husband was truck driving and i was doing XXXX XXXX and XXXX XXXX. The pandemic hit I lost my job a few months later I received unemployment.. The problem started when my account got frozen. I just received my taxes and next thing you know it's locked..They told me I needed to send proof for my taxes. I sent 1099s, my XXXX award letter, an old bill with my address on it. My actual taxes, selfie with ID, etc ... I sent everything they needed they still closed my account with no explanation just a bunch of automated emails. I just want my taxes returned. I had over XXXX in my account and they sent me a check with XXXX on it ... I seen they have done it to many people.
Consumer complaint received 2021-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-09-10
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: CCS Financial Services, Inc. (GA)

In accordance with the fair credit US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.

604 a section 2. Also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I contacted Equifax and XXXX via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that Equifax and XXXX both verify their public records data with. Somehow, Equifax and XXXX claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both Equifax and XXXX have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by Equifax and XXXX within the last 3 months to which XXXX was unable to find any record of these companies doing so.
Consumer complaint received 2017-11-28
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. (FL)

Equifax, XXXX and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
Consumer complaint received 2020-05-03
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. (VA)

Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on my credit report
Consumer complaint received 2021-07-07
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: Navient Solutions, LLC. (FL)

Navient is reporting 8 student loan accounts across all three bureaus ( XXXX, XXXX  and XXXX ) unlawfully. Navient has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent Navient an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to Navient via Certified Mail with return receipt.
Consumer complaint received 2017-11-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sharpe Mortgage Lending Services of Georgia, Inc. (GA)

XXXX XXXX at Sharpe mortgage did not comply with the fair housing act, specifically the Equal Employment Opportunity Commission ( EEOC ) regarding sexual orientation. He denied me simply because I could not answer specific questions regarding my husbands credit profile. I asked him to contact him directly, but he refused and stated that he could not help me and did not believe who I was even though my best friend ( former customer of XXXX 's ) referred me to XXXX XXXX himself. Also, he made comments regarding my character regarding my identity. He received all the required documents he requested but refused to help me based on personal reasons. I also think since my husband and I are XXXX he refused to assist us. 

I was pre-approved within 3 hours by another mortgage broker at a different company after receiving his decline letter via email he sent the same day.
Consumer complaint received 2021-07-07
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. (MO)

The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2017-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted the Clerk of Court in XXXX, La. to see if Transunion attempted to validate my complaint that my file indeed was filled with erroneous information. I was told by the officer of the court that they DO NOT validate bankruptcy information. So again Transunion say they have investigated and updated my files that they are reporting to be accurate, this ca n't be possible. Are they able to just lie and get away with that and steadily do harm to ones credit?
Consumer complaint received 2021-07-07
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: ENCORE CAPITAL GROUP INC. (TX)

The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (CA)

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I have a tax lien from many years ago showing on my credit report that lien was an audit from IRS as soon as I was told about the audit I paid in a payment plan and eventually paid off the owed taxes this has been satisfied and should be deleted. 

I have XXXX liens on my report XXXX listed as prince XXXX county and the other as XXXX county both were satisfied XXXX satisfied through wage garnishment ( was n't a valid debt but it went to court unbeknownst to me ) in any event both have been paid to get it resolved off of my report please deleted these old satisfied liens and stop listing them as current