davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

I received a final pre-collection notice ( first notice ) from MSB ( Municipal Services Bureau ). it stated i had 30 days to file a dispute. I filed the dispute within the 30 days. before i got a response back they charged a 22 % interest rate ( not mentioned in notice ). i got a response to the dispute and it stated they are not allowed to talk to the utility company, so there is no point in disputing the debt. I called the utility company that hired MSB and they stated i would have to discuss the problem with MSB. MSB refered me back to the utility company. MSB also staed if i filed another dispute they will charge an interest charge again. The also stated if i paid in full they will not follow through on the dispute so they can charge interest again. I paid the debt in full XXXX employee number XXXX with municipal services bureau.
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. (CA)

I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit report Transunion 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
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2017-12-04
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. (IL)

I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OFEDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXXDEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I submitted this complaint already and when I logged in I saw a message that the matter was closed and the company responded. This is not the case. They never responded. I had student loans for my kids with Navient. The interest and repayment did not make sense - and this was confirmed by my accountant. When I made a payment nothing went to principal and my balance kept growing. I refinanced this loan to get away from this usury debt. However, I believe that Navient owes me money due to their incorrect calculations. Before I left Navient I asked for paperwork on how they calculated my interest and they would not give me anything.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2021-08-07
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. (AL)

I have sent to the creditor and credit bureau asking them to provide me with proof showing me a written contract bearing my signature this company has failed to provide me with any proof showing me a written contract and have failed to remove this negative item from my credit according to the FCRA I have the right to ask for proof and they have 30 days to verify or remove.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX I sent a dispute through XXXX  about a Company Showing up on my Credit Report 4 times ( I.C. SYSTEM, INC ) for {$480.00} dollars, but the company states info accurate
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America Visa Platinum Plus card. I called and told them my son was in the hospital and I forgot to make my payment, I was one day late and turned my interest rate into 29.99 % I told them the circumstances and they will not make an exception I am single struggling mother and my son was sick. I have not been late one time ever. My promotional balance is over in XXXX XXXX 2018 and will be 21.99 %
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

XXXX XX/XX/2021 PAYPAL Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Gentlemen : Twice in the last few months PayPalCREDIT has attempted to charge my account Late Fees despite my payments being made several days ahead of due dates. These payments were electronic and I have verified with my bank that funds cleared timely. In both instances I wasted time speaking to your agents who argued the matter and in the first case reluctantly waived the fee. On the second occasion, the agent refused noting that an accommodation had already been granted. I requested to speak to a Supervisor but after a lengthy delay he failed to find one. 

These instances do not constitute customer service accommodations, but rather deceptive trade practices and fraudulent activities. I shall not waste further time on them, I shall not pay any related fees or interest and I will refrain from using your services until such practices are remedied.
Consumer complaint received 2020-07-13
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: ERC (AL)

I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.
Consumer complaint received 2017-12-06
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. (AZ)

I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

At XXXX XX/XX/XXXX, I woke up and saw a bunch of emails from Bank of America that stated that I had made an account and opened a credit card under my name online. I immediately called them to see what happened and to report it due to it not being me who opened this credit card
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have had an issue with Wells Fargo notoriously submitting pending transactions to cause overdrafts. I've had about 10 overdrafts in the past month and EACH and every night I double check my account to make sure I'm in the positives. Then the next morning they slam with overdrafts. For {$1.00} charge I have to pay {$35.00}! It's not right at all how they decide to do pending transaction the day before! Please help. I've called them and they aren't helpful.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

I have at least 8 retail credit cards with Synchrony Bank. Most there is no balance, I have used them in the past and paid them off. There are 4 with balances but two have been used often and paid off in full. In one day they closed all my accounts ... .when I contacted them they stated a high risk. It didn't make sense when I have always made my payments on time, and just recently opened a new account with them in less than a month. Reason the customer service representative stated was not valid for anything pertaining to me. Plus I have 4 that I regularly use and they closed them as well. I know this will have an impact on my credit. What is also puzzling is that they raised my credit limits in the fall of last year. There has to be something that can be done. This will hurt my debt ratio on my credit which in turn will affect my score. Please help.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Filing CFPB complaint on Experian. Experian is currently reporting an account in my file called : XXXX XXXX XXXX # XXXX. The original creditor is XXXX. This account is in collections but I was not informed by the original creditor ( XXXX ) that it had gone into collection and had no idea until I noticed it on my Experian credit report. I dispute this account 's information and feel that its record keeping and documentation of payments is so excessively bad and demonstrably inaccurate so as to be unverifiable. I am attaching a copy of my report with the disputed account information circled for you convenience. 

If you open the report and scroll down to page XXXX, you will see the account named XXXX XXXX XXXX # XXXX ... I had been making timely payments double the amount required for many months until I learned that they were not crediting the payments I made to the account. You ca n't see many months of the payments that I made because the data is not in the report and it makes no mention of the months that I had the account prior to XXXX XXXX, 2014. 

Therefore, I dispute the reporting of this account in its entirety. I believe it is not fair for Experian to continue to publish credit data which is damaging to my overall credit history when that data is evidently inaccurate. If anyone at Experian was doing their job, they would have noticed a payment date of XXXX XXXX is listed no less than 8 times. The first time XXXX XXXX is given as the payment date, it shows my payment of {$300.00}. Then, the subsequent 7 times, it says I made no payment on XXXX XXXX. 

This data furnisher 's record keeping is questionable at best and Experian is required ( by the FCRA ) to delete information they are reporting which they know ( or have reason to believe ) is erroneous and it clearly is in this case.
Consumer complaint received 2022-04-01
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-08
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: LoanCare, LLC (CA)

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

XX/XX/2020 I switched cellular service from XXXX to XXXX. XXXX  provided my cellular service but XXXX state I need to pay them so I paid XXXX in XX/XX/2020 and they still stated I owed them even though I had not telephone service with them. XX/XX/2020 I paid XXXX. They starting calling my phone 20 times a day for months. Now they have sent it to Convergent Collection and they are send me letters. I spoke with them and gave the the transaction # where the money was paid from my account. This was not enough so now I have emailed them a copy where the money was disbursed to XXXX. XXXX keeps telling them to send me threatening letters and calls. I have proved I paid them and they reported this to my credit report. I dont owe them money.
Consumer complaint received 2017-12-06
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: CITIBANK, N.A. (OH)

I placed orders on XXXX XXXX order # XXXX. My XXXX XXXX card was charged I have not received any order. When I called Customer Service I was told the order was canceled but I XXXX charged {$110.00}
Consumer complaint received 2022-04-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

In XXXX XXXX, I called my federal student loan servicer, PHEAA, to request that the additional payments ( beyond the minimum due ) I was putting towards my loans each month be targeted at my highest interest loans first, in descending order. I was informed by the person I spoke with at PHEAA that I would have to message them through their online portal to do so. I did this on XXXX XXXX, XXXX. 

The next month, I saw that my additional payment had not been targeted at my highest interest loans, but simply disbursed equally among all of my loans as it had in previous months. I called PHEAA again, and was informed that I would have to hand-write and sign a letter ordering them to disburse the payments in the manner I wanted, scan this letter, and upload it through their online portal ( at myfedloan.org ). Frustrated, I did so on XXXX XXXX, XXXX. 

The issue finally seemed to be resolved, and for several months my additional payment was targeted at my highest-interest loan. However, on checking the disbursement this month, I discovered to my dismay that they had again disbursed my additional payment equally among all of my loans in direct violation of my request -- twice over the phone, once through an email, and once through a hand-written letter that was scanned and uploaded to PHEAA 's awful website.
It is unclear how to proceed as PHEAA seems perennially unable to fallow the simplest directions in a task that seems incredibly easy ( i.e., just taking several hundred dollars that I am *trying* to give them each month ).