davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IN)

The amount just over {$50000.00} was originally owed to Sallie Mae. I paid Sallie Mae faithfully until XX/XX/XXXX when I filed bankruptcy. That bankruptcy was dismissed in XX/XX/XXXX after never being confirmed. I contacted Sallie Mae and resumed repaying Sallie Mae from then on. 
In XXXX Sallie Mae assigned my account to Navient without notifying Navient of ANY previous payments. It's as if I never paid Sallie Mae ANYTHING from XXXX XXXX, and XXXX XXXX when my account was then sent to Navient. Navient says I now owe the same original amount of {$50000.00} plus {$20000.00} additional money DESPITE monthly payments to them of amounts fluctuating from $ XXXX since XXXX. Why hasn't or doesn't that amount change with 6 years of regular monthly payments and why has that total initial amount been raised {$20000.00}? The amount owed does not change and mst often goes Up after payment has been made. I have paid $ 1,000s and $ 1,000s of dollars and have gotten nowhere in the reduction of my current balance.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 any 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 XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$780.00}
Consumer complaint received 2023-01-11
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2020-07-01
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-01-11
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. (IL)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

We are a family owned small buisiness. We have worked with Bank United since XXXX. We currently have a line of credit for $ XXXX and a term loan with a balance of $ XXXX. The original amout of the term loan was $ XXXX. 

On or about XXXX, we attempted to re-finance the loan and extent the line of credit. The local Bank manager helped us with the application and we provided all the paperwork requested by the Bank. The officer in charge of the final approval XXXX XXXX, disapproved the rquest. According to Mrs. XXXX, debt to income ration was too high. However, acording to the local Branch manager, our numbers were very close to their lending threshold. Subsequently, we began to make larger payments to all our current obligations and we were able to reduced the debt to $ XXXX less. In addition since XX/XX/XXXX, our business income as average XXXX a month. Our credit is excellent and we have never been late or missed any payments. Once again we approched Bank United with a debt consolidation request. This time with a new Branch manager XXXX XXXX and the same Bank Vice-President XXXX XXXX. Once again the request was rejected this time for lack of cash flow. I belived that we have been treated unfairly.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

A check of whether my data and my husband 's data was taken in the XXXX breach resulted in a " your data may have been compromised '' response on the XXXX website. As a result I put freezes on our data with all 4 credit reporting agencies and then requested annual credit reports from all of them. The Experian report displayed a phone number that was not and never has been mine. I called experian on X/XX/17 to ask why an unknown phone number was on my credit report generated that day. They stated that it might have come from a creditor but could not provide the name of the creditor and the rep laughed at my concern when I asked for an investigation into what creditor sent them the data. I asked for a supervisor to get more information and he then hung up on me. I opened a dispute on the info within the online version of their credit report but their phone response was unsatisfactory, rude and unprofessional. Given the seriousness of this data breach none of these agencies should be treating these issues so carelessly. I have just received via email the results of their " dispute '' followup on the incorrect phone number. It just states that the phone number has been deleted from my report. This response does not explain how the incorrect phone number was added to my credit report in the first place. If they are that sloppy with my basic information he can we trust them with this critical data?
Consumer complaint received 2022-04-06
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. (MS)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CITIBANK , N.A . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CITIBANK , N.A . on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK N.A XXXX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to ( {$5000.00} ). CITIBANK N.A. is now civilly liable to pay me for the damages.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV INC. (MD)

I received my stimulus money in form of a Debit card from Money Network Cardholder Services on XX/XX/2020. I tried to call their Customer Service number XXXX. 
I wanted to speak to a customer service person, but was not able to do it. The machine said that you can reach customer service, main menu or to activate your card by pressing " XXXX ''. I did, but was never able to reach the main menu or customer service. I was forced to enter my card number, 6 digits of my Soc. Sec. and had to select a pin to get on with the system. If I did not do it, I was disconnected. After activating my card I was not able to do anything else and was disconnected again. 
I wanted to transfer the money into my checking account, but to do this I had to have a computer and sign in to the Money Network Cardholder Service. They are not the government and I have no idea what they will do with my information I had to give them. 
I am retired and receive Social Security. I have my Social Security directly deposited into my bank account. Why has the government created this obstacle for us retired people when we were promised to receive the stimulus money through directly deposit into our bank accounts?
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NC)

This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have multiple home loans for multiple properties. 
I lost my job in XX/XX/XXXX due to having to close because of covid restrictions. One of my tenants decided to break their lease because landlords can't do anything in Washington State because of covid restrictions.

I contacted all of my lenders. I put all loans in forebearance. After 4 months I was able to get a new tenant and I rearranged my finances so I could start paying my mortgages again. 
All my other 3 banks put me directly into deferment and I have been on track since XX/XX/XXXX. 
My complaint is that Bank of America has refused to put me in deferment. I have contacted them numerous times and the first time I called they said that I missed the deadline by 3 days so I was no longer eligible. 
I have a XXXX XXXX XXXX ( XXXX ) so it is difficult for me to understand and read a lot. 
On their form, they had in big bold red letters : " Congratulations, your loan is now in deferment. '' I didn't see that at the bottom of the page in fine small print was " if you call us by ... '' When I called they were rude and just said I missed the date and would have to go into forebearance. 
The next time I contacted them after the 3 month forebearance period, they said just to make a regular payment the following month and I would automatically go into deferment. 
I made the payment on the payment coupon they sent me. Then I received a notice saying they would not apply my payment. 
I called Bank of America and they said the payment was {$20.00} short. I told them I played exactly what was on the payment coupon. They said that I wasn't supposed to pay that amount and that the correct amount was in a 30 page document on page 17. I explained that no one told me that when I called and that I have a XXXX XXXX  and with my XXXX it is difficult to read and comprehend. 
I told them I would make a payment today over the phone so they could put my loan in deferment. They said they would not take my payment because it was after the due date and I would have to go into forebearance again. 
I even had someone call for me and they assured me that Bank of America said I would automatically be put in deferment. 
I have called and been given misinformation and I am now on my 5th request for deferment. 
Now they just sent a letter on XX/XX/XXXX saying they will not help me with my home loan and I need to pay them {$20000.00} now. 
This is on my primary residence and they are trying to take my home. 
All my other banks were there to help me make my payments during the Washington State covid crisis. Bank of America is the only bank working against me. I have an XXXX credit score, made numerous attempts to pay them and they have been unreasonable. 
Please help me keep my home and make them do the right thing by putting me in deferment which is what they should have done in XXXX XXXX.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Kohls was having issues sending the statements to my correct address in 2019 and I even spoke with several representatives on multiple occasions to fix this issue. But my attempts were unsuccessful. I was only made aware of the late payments after the fact once the mail eventually arrived to my residence. I have always been diligent about paying my obligations on time and these late pays are a result of the poor communication and transparency on Kohl 's end.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Good day, This makes my 2nd complaint with you all against Portfolio Recovery. I've reached out to them on several occasions and no success. I've repeatedly asked them to provide me with a signed contract by me to validate business between me and themselves or a signed contract by me to validate the subject debt/account. To date, I've only received an explanation from them on how they acquired the account along with a billing statement which VALIDATES nothing. Again I point out to you that I also checked my states licensing site and see that you are currently licensed until XX/XX/XXXX which was effective as of XX/XX/XXXX however I see that my credit file was updated prior to XXXX ( XX/XX/XXXX ). Attached you'll find my initial complaint ref #, my comments, their response which I assume was accepted by yourselves as you closed out the complaint and again my response to that. After that was closed I received yet another letter from them stating they've requested additional information which I've not provided and I won't as I do not have any additional information to give. Also, I did also contact XXXX XXXX directly ( as I'm a current customer of theirs ) for assistance as the subject at hand is listed as one of their accounts but they advised this wasn't something they could help with. As I seem to have no luck I'm again filing my complaint with you and will also file with the Federal Trade Commission, the XXXX  and the Florida Attorney General. 

Your assistance in this matter is greatly appreciated.
Consumer complaint received 2023-01-11
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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: 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. 

Account name : XXXX, XXXX. # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # 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 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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
Consumer complaint received 2020-11-24
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: Consolidated Information Services Solutions, LLC (CA)

On XXXX XXXX, 2020, CIS XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

ERC Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (NC)

DISCOVER HAD FAILED TO UPDATED MY CREDIT REPORT AFTER I GOT DISCHAGED FROM MY CHAPTER XXXX BANKRUCPTCY ITS STILL UPPDATING AS A NEGATIVE REMARK ON MY CREDIT FILE