davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (NM)

On Saturday XXXX XXXX I went to XXXX XXXX store on XXXX in XXXX New Mexico and I purchased a net spend card that I added {$100.00} dollars to and paid a card fee of {$2.00}. The card purchase was successful. I purchased the card because someone stole my debit card number and the bank is in the process of re issuing me a new one. I sat in the parking lot of the grocery store and tried to activate it online I kept getting error messages. I decided to sit there and call in to activate the card when I called they had me verify all my personal information and my address after I gave them all the information the customer service representative told me that they needed more information and I couldnt use the card or have access to the money that I put on the card until I sent my social security card ( of which someone stole ) my drivers license and a bill or something in my name and I would have to email it to them and until I did I wouldnt be able to use it. Im so angry because thats all the money I had and now I dont have access any or access to it. I have a problem with federal agents in New Mexico harassing all my bank accounts and prepaid debit cards. Im not saying that they interfered with this but it is highly likely my address is on my drivers license my car insurance is the same address so is my registration and bank accounts. How would my information not verify? Its impossible so now because someone stole my social security card I have to apply for a new one with limited availability at the social security office apply wait for the card to send to net spend so they can verify who knows what so I can spend my social security money that I put on the card. That is unacceptable and I wanted money back. I literally stayed on the phone for 7 minutes for netspend to try to govern the money I just put on the card conspiring with federal agents to give me a hard time in everyday life situations
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

I have been working with XXXX XXXX, now Navient to keep my payments within a reasonable range for years. At first they were able to put my payments in forbearance ( 6 or 7 years ago ). They said it only puts the payments on hold until I am able to afford them. At the time I was making very little money on a commission based job. That never mentioned it would raise my overall loan amount significantly. Eventually I began making enough money to pay them back and they enrolled me in a program to pay about $ 200/month or so. I do have other student loans I am paying off as well. This was working for me for a while, but I noticed my total loan amount was not going down. Apparently all I was paying was the interest. I was young, fresh out of college, and didn't know the questions to ask until later in my life. I've now been working with Navient and they are not able to get my payments into a reasonable amount anymore. I've been paying over $ 500/month for the last couple of years. They are telling me that they can no longer do this and beginning in XXXX my payments will become $ XXXX/month. I can hardly afford the payment now. We had a XXXX about a XXXX  ago who has had many XXXX XXXX and caused a lot of medical bills. I am trying to stay above water and Navient seems to show no sympathy. I did some research and saw that there are lawsuits going in and I'm hoping maybe something will happen to help me and my family. In my opinion, my XXXX   comes before my student loans. I make enough money to not get help, but not enough to afford what they're asking. Navient has been rude every time I call when all I am doing is asking for help. I want to repay my loans, I don't like asking for help, but I've finally given in. When I called this morning to try one more time they suggested I look into getting a second job. I work over 50 hours per week, sometimes I'm traveling Monday-Friday for work. My wife stays home to take care of our XXXX  and ensure he gets the care he needs. I like how they feel they know my life and situation better than I do. If there is anything that can be done, please let me know.
Consumer complaint received 2022-04-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (TX)

Improper use of my report. Shared without consent, credit inquiries from unknown sources. I want the CFPB to : In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B, A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for not purpose. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX || XXXX || XXXX
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America added Hazard insurance and Flood insurance fees to our mortgage payment, the payment is withdrawn automatically from our Bank of America checking account that we have held for over 35 years, when the increase amount was returned due to insufficient funds ( we did not know the payment had increased and therefore on a fixed income there is not additional money available for that adjustment ) Bank of America stopped the automatic withdrawal after one month while we were out of the county and put us in further debt. XXXX XXXX and XXXX XXXX sent in proof of Hazard and Flood insurance on the property, the additional fees were not removed and there are additional insurance fees, late fees, property inspection fees, foreclosure attorney fees, foreclosure expense fees that they are not adjusting so we can pay the mortgage that is due and will not reinstate the automatic withdrawal and will not take any payment that does not include all the above fees and stated will not be refunded. We are in fear of losing our property. Bank of America holds our mortgage for many years and prior to this incident there was never a late mortgage.
Consumer complaint received 2022-04-29
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 never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Consumer complaint received 2021-05-04
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. (OH)

I called today XX/XX/2021 the XXXX, XXXX, Equifax, and XXXX. I called XXXX, Equifax and XXXX  : who or company or organization is making my credit report to up or down. Equifax, XXXX and XXXX  basically call XXXX. 

When I called XXXX they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating. 

I would like to know who is making my credit score go up or down and how they calculating my XXXX or any other software. I believe this a fundamental right whom is causing scores to go up or down.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I was charged twice for the same transaction in error I contacted USAA and placed a dispute. I was told I needed to file the dispute form giving them permission to dispute the charge and provide a provisional credit to my account. This happened on XXXX XXXX. As of today I have not received my provisional credit and two of my bills came through in which I got a nsf fee. When I contacted them to find out why they told me after the 10 day waiting period I would get the fees credited to my account but meanwhile the two bills were not paid and sent back as nsf. When I asked what happened to my funds being placed back in my account within 24 hrs of my complaint so I would not have to have returned items they continued to tell me it takes 10 days..why would it take 10 days instead of 24 hrs..I asked for a manager they claim no one is available and I would get a call back meanwhile my creditors think I am bouncing payments when that is not trueI demand USAA be investigated for not doing their due diligence in providing a credit to my account to avoid the nsf fees
Consumer complaint received 2022-04-29
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. (FL)

I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Consumer complaint received 2022-01-11
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: Reliable Credit Association, Inc. (WA)

I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX XXXX. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I had a XXXX XXXX credit card through XXXX that was closed with a {$0.00} balance in XXXX. XXXX confirmed this with me on the phone on XX/XX/18. However, Experian is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, XXXX is telling Experian there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!
Consumer complaint received 2022-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-01-23
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: CITIBANK, N.A. (IL)

Hi, last time I use my credit card was In XXXX. And in XXXX XX/XX/XXXX I was received a text from the credit card company how is a fraud in my account I was go in my account and I was see XXXX transactions what I didnt made, right away I called the bank and I was let them know is a fraud in my account. I open a claim right away and after XXXX month the bank was mail me how Im responsible for that transactions because was used the chip and they cant do nothing about it. After I was go to the police and I make a police report and I also go to the store from where was make the purchase and I asked the store if they can give me the receipt and at the store I give them the credit card and they was looking in they computer and they said they dont have nothing buy with this card in that days they was let me know the last time this card was used was in XXXX XXXX. The credit card company name is Citi Bank Best Buy and the purchase was made at Best Buy XXXX XXXX in XXXX XX/XX/XXXX the amount of XXXX XXXX and the other one was made at XXXX XXXX station in XXXX XXXX XXXX I XX/XX/XXXX I reopened the case again and I provided the the police report number and I asked the if they can provide me the receipt. I XX/XX/XXXX I called again the credit card company to see way they didnt credit my account back until the dispute or case is done and they was let me know that when I open again the case they closed right away they didnt give me a explication and the credit card company didnt notified no mail no email nothing. Thanks I advance
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (DC)

Recently in the post mail I had received a check for the amount of XXXX XXXX and XXXX dollars from chase. However the check was damaged. I called chase to ask for them to reissue the check and this began two weeks of customer service XXXX Two weeks of being transferred from different departments, rude agents, being deliberately hung up on several times, being given misleading information etc I will enclose to you several tries to even communicate with chase bank customer service through direct message on social media. Even there I was met with indifference.
Consumer complaint received 2021-08-17
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-02-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (OR)

Navient has collected {$12000.00} from me over the past year in payments toward federal and private student loans. {$11000.00} went toward interest only payments and only {$700.00} has gone toward the principal balance. I continue to accrue > $ XXXX/month in interest. There is no foreseeable end to this repayment plan because my principle balance has not gone down. In the past, when I have not been able to make payments due to being in school or being in between jobs, they have offered me deferment plans that have only allowed my loans to accrue more interest. Each time I call Navient they are unable to offer me a viable repayment option that does not result in me continuing to acquire debt with them while paying > {$1000.00} a month.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Here again with yet another account that is closed and was paid in full, but Equifax has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you
Consumer complaint received 2020-05-14
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: U.S. BANCORP (IL)

In trying to resolve a disputed error on my credit report with XXXXUS Bank for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX and XXXX  and creditor directly. I appreciate any assistance you can  provide in clearing this matter.
Consumer complaint received 2022-10-14
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate the account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}