davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
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. (FL)

I had worked it out and based on my income ( {$0.00} currently unemployed ) I did n't have any payment but suddenly that changed even though I complied with everything I was told to do
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (CA)

Hello, I have an account with the XXXX XXXX called 'Binance.us ' and I have an account with the crypto wallet called 'XXXX  '. On the XX/XX/2021 I transferred XXXX Shares of the crypto called XXXX, or XXXX  for short, from XXXX to Binance.us. I never received my crypto on the exchange Binance.us and I contacted both XXXX and Binance.us to see what had happend. Only XXXX has responded and they said it cleared. Binance.us has yet to respond with any type of notice and I am at risk of losing money by not having my cryptocurrency readily available for me to trade!! 

This transfer issue happened again yesterday the XX/XX/2021. When I transferred again a different crypto this time from XXXX to Binance.us. This time the crypto is called XXXX, or XXXX for short, at total of XXXX shares. I have emailed about this issue and have not received a response. 

I am done doing business with this company Bianance.us as soon as I get my cryptocurrency back. Please help me in any way possible. This company does not have any phone support line and only emails. This is wrong what they are doing. Also, I want to add that I checked the address from where these two transactions were being sent to where they were going, multiple multiple times and I have the transaction IDs to prove it. I also have screenshots of my transactions to provide. Thanks! 

-XXXX .
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MO)

This account was settled and paid with XXXX XXXX on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A. (IL)

I requested an increase in the credit limit for the Costco Citibank Visa account and was turned down due to " because of the total amount that you owe '' ( see adverse action notice attached ). My request was to purchase a large item from Costco that exceeded my limit that was established. I owe no creditor anything other than current 30 day charges as is evident on my credit file ( attached ). I am a multi-millionaire XXXX and XXXX for a large bank. 

I believe that this is age and source of income discrimination.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Firstly I am newly XXXX due to a health condition and still unemployed due to COVID-19 ( but am employed soon again thank XXXX! ) and have never gotten any help for financial hardship yet due to this reason since opening the account I have at Fifth Third Bank. My unemployment lapsed for 3 weeks from Early XXXX XXXX XX/XX/2021 during this time I told them so they wouldnt let charges go through and what not AND contacted the other business and bills etc to stop bill pay well kinda like XXXX they said that it automatically will attempt three times and there is nothing they could do about it so after three weeks and {$800.00} plus fees later I got my {$1900.00} in unemployment but the bank now says they wont give me any of that back, its just it was out of my control and I really needed that to pay these other bills and how Im behind rent to because of this AND hand about another {$350.00} - {$550.00} in more charges and lost pretty much my next whole unemployment deposits over a bunch of XXXX I cant crawl out of this hole and they wont help a bit this is my last option : / Ive gone into multiple branches etc. Fifth Third Bank says they will do whatever they can to help those affected by pandemic and financial hardship sadly that I guess isnt true and never was : /
Consumer complaint received 2017-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (NC)

In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX  advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IN)

Gregory Funding bought my loan from XXXX XXXX on XX/XX/2021. Since this time they have refused to a knowledge my XXXX payment and repeatedly said that I was 30 days behind. I even emailed them my bank statement showing my payment was taken out by XXXX on XX/XX/2021. I ave also given them.an email from my loan officer at XXXX which states that they were wired the money from this payment and it was to be credited to my account. This payment was also acknowledged by an officer at Gregory Funding. I also have shown them my statement my XXXX as of XXXX showing that there are no past due statements. It is not my responsibility to do this but I have documented this for them anyway to expedite the progress to no avail
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (WA)

I was never contacted from XXXX or Bay Area Credit Services, I contacted them, after receiving a alert from the crediting monitoring service because of having identity theft and fraud on my credit. I immediately notified the company XXXX ( XXXX XXXX XXXX ) billing department. I was quoted an address and phone number that was over 17 years outdated not being mine. I informed them that I had used the ambulance service back approximately XXXX/2016 and I had insurance with XXXX and XXXX that should have paid 100 percent if they were billed correctly by XXXX. The billing department confirmed with me they had the wrong information although I was picked up at my home in XXXX XXXX that some how they were sending the bill to an address in XXXX and their information was 17 years outdated. So I was not notified of the debt nor did they billed all the insurances XXXX and XXXX. I was told to work with the collection agency by the person on the phone with XXXX. I informed her that she should pull the debt back since it was their error for sending the bill to the wrong place even though the driver of the ambulance was given all my right information and all my insurances to bill at the time of service. She informed me that she would try, but I have no faith that it will be followed through with based on them making such a huge mistake in the first place. They offered very little help to me.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (GA)

I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.
Consumer complaint received 2017-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A computer glitch XXXXXX/XX/XXXX that Transunion was having a problem with caused multiple inquiries to be deleted and then they were later added back on my credit report without giving me the legal required written five day prior notice before adding them back on my credit report. I have contacted Transunion several times ( XXXX/2017, XXXX/2017, XXXX/2017 ) in good faith to explain the situation about the deleted inquires and that they had illegally re-added them back unto my credit report. By them adding these inquires on my report they are also adding a hardship and my rights are being violated by Transunion. Please help me by not allowing Transunion to victimize me. This glitch was Transunion fault and I had nothing to do with it. So why am I being punished for Transunion not taking the proper steps to inform me of the glitch and given me five days written notice before adding them back on my credit report? Please help me have these inquiries removed.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged for something I did not order. The bank insists I made the purchase, ignores my requests for them to provide me with their " proof '', ignores the information i provided which supports my claim that I did not purchase the product. 

I am submitting to you my full explanation to the bank, which explains the details.
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NY)

I went to XXXX College in XX/XX/XXXX - XX/XX/XXXX. I took out two loans, one for {$18000.00} that is now {$33000.00} and another for {$8900.00} that is now {$17000.00}. After taking out these loans i was unable to get anymore financing through anyone, so I joined the military. I was in the XXXX XXXX for four years. These loans should have been locked at a certain percentage due to my service, but they are now over 9 % each. The interest is absolutely absurd. I have one semester left in school and they are denying my in school deferment. Which for some reason they always put under forbearance instead of deferment. I do not have the funds to pay these outrageous loans while I am in school. I have been pushed around enough, now I am being hounded by debt collectors. This company is trying to ruin me before I even graduate. I would like someone to reach out to me and talk about this. Thank You
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am formally writing this complaint in response to a recent notice of dispute I initiated with TRANSUNION. The notice of dispute was mailed and delivered to TRANSUNION on XXXX at XXXXXXXX XXXX. I received the updated version of my consumer disclosure report from TRANSUNION in late XXXX XXXX XXXX. Upon reviewing the updated report, I noticed that there is still inaccurate information still being reported in the accounts that were initially disputed. Specifically, with XXXX XXXX. TRANSUNION wiped the payment history clean and now the account is reporting no payment history. It is now an incomplete account in which I am requesting its removal from my credit report with TRANSUNION as a result. Others are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is an account reporting that I have been 120 days late three months in a row. I am also requesting its removal from my TRANSUNION credit report, and XXXX XXXX. According to the Fair Credit Reporting Act consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy to whom the report relates per 15 USC 1681e ( b ). This is unfair credit report seeing that TRANSUNION has verified inaccurate account information to be accurate. Per 15 USC 1681i ( 5 ) ( a ) ( 1 ) ( 2 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The inaccurate accounts are damaging my potential for better credit, my character, and reputation. I'm requesting that this situation is rectified promptly.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon : XXXX XXXX XXXX Equifax XXXX : XXXX  XXXX  XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : XXXXXXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank in XXXX XXXX also known as Citizens Financial Group has issued with platinum and platinum plus checking accounts. Platinum checking accounts require a {$25.00} k relationship balance. When accounts are opened at the branch the accounts are rarely linked properly. Some customers have been assessed fees since 2016. The bank knows this and has done nothing about this. The same issue happened previously with circle gold accounts and the bank had to issue reinbursements. This needs to stop and Citizens needs to be held accountable.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a fraud alert because my credit card was fraudulently used. However, I see unauthorized inquiries on my credit report. 

These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
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: EQUIFAX, INC. (NJ)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX