davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/2019, I submitted a XXXX complaint regarding my balance. When the responded on XX/XX/XXXX, XXXX XXXX sent me a password protected document. When I opened it, it was someone else 's information including name and loan information. I responded back inquiring for my info and she said to delete that right away and sent me the correct document. My document has the same password and it has my Social Security Number! She said my info was not sent to anyone but had no way to prove this information. I asked for a supervisor and submitted another XXXX  complaint as I was brushed off. The same day, XX/XX/XXXX, XXXX XXXX emailed me saying nothing was sent to 'the other individual ' and brushed me off. What about the possibility if was sent to any other customer? I dont know these people and he is not part of the IT team to tell me that someone didnt delete the emails and then proceed to 'claim ' nothing was sent to this person. Its easy to try and cover these things up and given their reputation, I'm sure they will never admit fault. They have caused me hours and hours of time calling credit bureaus, emailing them back and forth with no resolve except that they expect me to take their word for it! Even after saying I refuse to believe a stranger, he still says the same thing in his emails like I'm no one. I spent time calling lawyers, asking for recommendations, trying to get someone to listen as they take this as a laughing matter. I work with privacy act information and when something like this happens, we make it right. I deserve credit monitoring and something for all my time dealing with this. Had they done the right thing in the first place, this would be resolved by now.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX credit card with XXXX XXXX. 

-the bank changed the monthly due date from the XXXX of the month to the XXXX of the month without informing me. 
-charged a late fee ; even though the payment was submitted on time using electronic funds transfer ( inter bank ) which my bank does within one day - I have electronic confirmation. 
-when called to get a refund of the late charge, only a partial refund was creditied. I was not informed of a partial refund and was told on the phone that I would receive a full refund of the late fee -daily interest was incurred on the remaining balance of the late fee - when payments were made, none of the funds were credited to the revolving balance. Only credited to non revolving balances. 
- when called to inquire about the charges, initially I was told that nothing could be done about it. I insisted to speak to a supervisor that after many inadequate explanations could not fully justify the charges to my account. 
-was told bill pay via electronic funds transfer ( inter bank ) take 5-7 days to post to account when doing inter institution bank transfers..ie- check not being mailed. = NOT true.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (CO)

First Advantage supplied my potential employer with my background check. The dates searched on my background check were from XX/XX/XXXX-XX/XX/XXXX, however a charge from XX/XX/XXXX showed up. I live in Colorado where the law limits these background checks to 7 years. The charge is from 8+ years ago. I disputed the charge, was told the investigation could take up to 28 days, and was never notified of the results from the investigation. A couple of days later I got an email from the employer stating that First Advantage researched the error and decided that the records reported were accurate ; no change to my report occurred. When I contacted First Advantage to get an explanation, I was told that XXXX requires them to provide ALL information they find, regardless of when it occurred. I explained that the state of Colorado has a 7 year limit and was told that it doesn't matter, First Advantage has to include ALL info no matter what. I was denied a job over a XXXX XXXX ( on a scale of 1 being the worst to 5 being the least severe ) from back when I was in XXXX XXXX  because I didn't self report on a charge that the employer shouldn't have even seen.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, account number XXXX is appearing on experian, XXXX and XXXX  credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There are addresses on my credit report that do not belong to me that I have never lived at. My ex-wife is the only person that resided at those addresses so therefore I believe she might be using my social security number or my credit resources.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Reviewed Experian credit report ; Informatioin for XXXX XXXX   XXXX ( aka XXXX  XXXX XXXX XXXX ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XXXX, I submitted a dispute through Experian. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX XXXX XXXX XXXX they have not sent me any documents bearing my signature as of today. The following companies is : Cavalry Port - XXXX XX/XX/2019. I would like your help with this matter.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Southwest Credit Systems, L.P. (MD)

XXXX sold my personal information to a company in Texas without my authorization or consent. I was not properly notified adverse actions would be taken against me for reporting a fraud matter to FTC pertaining XXXX business practices. XXXX retaliated upon closing of complaint.
Consumer complaint received 2021-06-09
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. (NC)

A month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington bank locked my accouont while I was ordering something on l ine! 
Now, it is frozen, and I can not use account at all!! And they are closed and ar too cheap to hire people to answer their phone!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This should be enough to FINE HUNTINGTON BANK ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

And their location in XXXX, Ohio, always has a broken ATM!!! Either you can not deposit a check or cash, or withdraw money!! It is always broken in some way!! 
They are too cheap to get it replaced!!
Consumer complaint received 2019-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been paying my student loan on time for several years.I had requested to pay more each month approximately $ 100- $ 200.00- but Navient wont approve it. I am on a payment plan of lower payments due to my income ( approx. {$64.00} ). I made a lump sum payment ( approx : {$500.00} ) on XX/XX/2019 because I had saved some money. I want to keep paying every month according to what I can afford. 
Navient approved me to continue the low repayment plan in XX/XX/2019- however all of a sudden in XX/XX/XXXX and XX/XX/2019 Navient increased my payment to {$960.00} approximately half of my total wages. 
I called Navient on XX/XX/2019 and instead of continuing my repayment plan as was established they insisted on a Forbearance- now they are again saying I must pay an amount that will be impossible. ( half of my wages ) It is very difficult to manage the process with Navient-I am not a loan expert. I want to pay my loans as I can afford and I have been diligently. My account shows I have been on time and paying for several years without lateness. Please help me to fix this problem. 
XXXX XXXX XXXX -Navient Loan # XXXX
Consumer complaint received 2022-05-03
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. (IN)

An accordance with the fair credit reporting act XXXX  has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was recently scammed by making a transfer through XXXX  inside my Capital One banking app. The scammer hacked in to my friends social page ( XXXX ) persuade me & induced me making the transfer. they promised to returned the money if the investment service if needed, but then it was a scammed. I never got what i was promised for also can't get my money back, I called the bank immediately about this and disputed. The bank denied and wasn't able to look into the situation for me. I believe there's a law Regulation E that was suppose to help & protect my situation, please let me know what can i do. The mount was XXXX which is a big number for me Thank you
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (CA)

Received a notice in the mail on XX/XX/2020 from Allied International Credit Corp stating I owe an amount to XXXX. I reached out to Allied International Credit Corp via phone on XX/XX/2020 at XXXX PST, XXXX PST, and XXXX PST. The phone consistently goes to a hold tone for about 2 mins then to voicemail even though it states I can stay on the line to speak to someone. The issue is, I have no transaction history ever occurring on XXXX. There should be no reason why I am receiving a collections notice from them.
Consumer complaint received 2020-10-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

closed IRA cd at one  west branch on XXXX. I Was told I would get money XXXX I called on XXXX to check on status, was told that check would be coming in 7 to 10 business days. it is hard to get hold of anyone at the bank branch. I think the bank is stalling for time to hold on to deposits. Where is my money? 

OneWestBank a division of CIT bank, N.A. 
Account ID number XXXX Main office XXXX XXXX XXXX  XXXX  XXXX, Ca XXXX branch location XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I had my loan with Navient for over 10 years and I was waiting to complete the 10 years of repayments in order to qualify for the Public Service Loan Forgiveness program. I was never late on any of my payments and after 10 years I decided to submit my application. 

Around XX/XX/2018, I contacted Navient to begin the process of applying for the PSLF and I was told I needed to consolidate my loan. I did and consolidated my loan. After consolidation, I was told, like thousands other borrowers, that my repayment plan I was under Navient didn't qualify for the PSLF and I needed to spend another 10 years in repayment. At one point I was told I  couldn't apply because my loan was consolidated. 

I've asked for the decision to be reconsidered and I have been denied twice because of the same reason. I am another one of the student loan borrowers who were misled and misinformed by Navient. At least four states have filed a lawsuit against them. 

I want Navient to repair the damage and get my student loan forgiven as promised.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

In spite of various requests by prospect lenders that I've requested to refinance my mortgage, Equifax has failed to send the reports. About two months ago the lenders and I called Equifax which confirmed they were no issues. 



Kind regards
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

On XX/XX/XXXX, my account with XXXX XXXX was transferred to another carrier. Arrangements were made in person at XXXX XXXX store in XXXX, CA and with the new carrier. All devices were included. The new carrier stated that XXXX would be notified of the transfer. 
Beginning in XXXX, I received a bill stating my XXXX account was not paid. The amount on the bill was for both XXXX and XXXX. I immediately tried to contact XXXX but all attempts to call were directed to a robot that didn't offer any way to contact a person and its menu was useless. I tried different phone numbers for customer service with the same result. Dialing " 0 '' during the call was not effective. I contacted a chat line and was told that the problem would be addressed. In XXXX and XXXX, I called a chat line and was told either the entire bill would be paid with no alternative. On XXXX, I was told I could pay the remaining XXXX bill even though no service was provided. On XX/XX/XXXX, I paid {$130.00} and was told that would end the account. On XX/XX/XXXX, I received another bill for XXXX. All attempts to resolve this has failed and I am not paying for a cancelled account with no service. There is now a device number on the bill for a device that I don't recognize. Today, I received a bill from a collection agency.
Consumer complaint received 2022-05-03
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. (MO)

In accordance with the Fair Credit Reporting Act, 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 The following accounts on my credit report are not accurate.

CREDITOR NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX** CREDITOR NAME : XXXXXXXX  XXXX  NUMBER : XXXX
Consumer complaint received 2020-10-22
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 disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of 30 days late, Experian and XXXX  are not reporting this account, XX/XX/XXXX XXXX : XXXX  is reporting a payment status of 30, 60, 90 and 120 days late, Experian and XXXX  are not reporting this account. XXXX : XXXX  is reporting a payment payment status of 120 days late, Experian is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX XXXX   is not reporting this account, Experian and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  and Experian are not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX XXXX  is not reporting this account, Experian and XXXX  are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-10-22
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. (OH)

I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 have caused me.