davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

XX/XX/XXXX, Navient debt collection agency XXXX XXXX XXXX XXXX offered a student loan debt settlement for {$11000.00} for a {$66.00}, XXXX student loan debt. The agreement was to pay on time from XX/XX/XXXX to XX/XX/XXXX {$110.00} every pay period. The document states 96 installment, and the payments are to be received before the dates indicated in the document. Once the account is recorded as settled upon clearance of the final remittance then no further payments will be due. So, I took the offer and received the settlement agreement paperwork. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to pay the remaining balance of the student loan settlement. As I spoke to the gentlemen on the phone he stated " we do not have have your loan anymore and sent it back to the lender ''. Neither Navient or XXXX XXXX mailed or notified me of these changes. 

After the telephone call, XX/XX/XXXX was the last payment taken from XXXX XXXX XXXX and I am now currently several payment behind due to the lack of communication from both parties.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I contacted my auto loan servicer, Santander, to let request a courtesy reversal of the late payment reporting as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company I have been paying on-time for over one year would have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide hospital documentation if required.
Consumer complaint received 2017-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery reports an open account with a XXXX balance on all three credit agencies. under me being joint borrower, I never joint borrowed with my ex spouse nor do I know what this debt is. 

They report it twice leaving off digits of the account # 's but yet both trade lines end in the same account number example one trade line says XXXX the other tradeline says XXXX both showing different start dates yet shows original amount owed as the same I have disputed this thrue other means and directly with them but they refuse to remove this as it is not mine nor report it as closed since the balance now says XXXX.
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

To whom it may concern : I have spoken with this company, Navient, and explained to them that this is a fraudulent account and that I have never opened or applied for a private student loan. I have requested documentation to support their claim and was denied that information. They are reporting on my credit report and refuse to do whats right and remove this fraudulent account. This has caused me an immense amount of stress and has prevented me from being able to make any major purchases. Please remove this fraudulent account immediately. 

Thank you
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Date : XX/XX/2022 Bank : This is my second complaint about this incident. TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. I noticed that there was fraud on my checking account, and it was fully compromised. I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum. 
Now after a full month, I went ahead closed my account with TD Bank and my provisional credit was taken back of {$110.00}, stating that merchant/individual provided information that I sent that money. Now my account is in a closed/frozen status with $ XXXX of balance.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

OPENED CARD I XXXX 2015 FOR FURNITURE. DID N'T GET FURNITURE FOR MONTHS. WHEN WE FINALLY GOT FURNITURE, IT WAS ALL BROKEN. DISPUTED CREDIT CARD AND WAS TOLD NO REPORTING DURNING DISPUTE. NOT ONLY DID THE HOME DESIGN COMPANY NOT STAND BEHIND US AS THE FURNITURE IS STILL NOT REPLACED OR REPAIRED. THEY REPORTED US 90 DAYS LATE. CREDIT REPORT SHOWS NO LATES EXCEPT A 90 DAY. YOU WOULD HAVE TO BE 30 THEN 60 THEN 90. WE WERE NEVER LATE AND FINALLY PAID CARD OFF. STILL HAVE BROKEN FURNITURE THAT WAS NOT REPLACED OR FIXED. HOME DESIGN COMPANY SHOULD HAVE STOOD BEHIND US. WE HAVE SENT LETTERS AND PICTURES AND THE NAME OF THE COMAPNY THAT CAME OUT 8  MONTHS AFTER WE GOT FURNITURE TO LOOK AT REPAIR. THEY STATED IT COULD NOT BE FIXED AND HAD TO BE REPLACED. FURNITURE STORE WILL NOT REPLY AND HOME DESIGN COMPANY WILL NOT HOLD BACK THE MONEY AS THEY SHOULD HAVE! 

STAY AWAY FROM ONE STOP BEDROOMS AND HOME DESIGN SYN FURNITURE CREDIT CARD
Consumer complaint received 2017-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called into TransUnion on XXXX XXXX, XXXX and I spoke with Special Handling Supervisor XXXX XXXX. I informed her that there are invalid inquiries in my credit report that I did not do, nor did I authorize these inquiries on my credit report. I requested that she removes them or dispute them since they were not mine. I also mentioned to her that I had submitted a police report to TransUnion earlier this year that explained that my purse was stolen with my social security card in it and this makes me prone to possible identity theft. She refused my request, even though I informed her that i had reached out to the businesses who performed the inquiries, but they too have n't responded. I also informed her that the other two credit bureaus, XXXX and XXXX  had either disputed or deleted the incorrect inquiries from my credit report. Again, she refused. These inquiries are not mine and I should not be held accountable for anything that is not mine ; especially since I have reached out and tried to resolve the situation. Based on the Fair Credit reporting Act, any unauthorized inquiry must be investigated and proven valid. XXXX XXXX did not do this. In accordance with the Fair Credit Reporting Act, I request that TransUnion investigate my claim and if they find my claim to be valid and accurate, I need them to please delete the unauthorized inquiries. Furthermore, I ask that they send a corrected copy of my credit report to me. The following inquiries are incorrect and unauthorized : 1. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX ; 2. XXXX XXXX XXXX via XXXX XXXX requested on XX/XX/XXXX ; 3.XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX requested on XX/XX/XXXX; 4. XXXX XXXX XXXX requested on XX/XX/XXXX ; 5.XXXX requested on XX/XX/XXXX. These 5 inquiries are unauthorized and invalid. TransUnion has refused to provide me with proper validation of the inquiries and they have not considered the police report because they state that they need a " proper law enforcement document, '' but a police report is a lawful and verifiable document. The other two bureaus investigated the invalid inquiries but TransUnion has refused to do so and they have not presented me with any proof that these inquiries are mine. The Fair Credit Report Act states that TransUnion must provide valid documents showing i did authorize these inquiries. PLEASE ASSIST
Consumer complaint received 2017-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I 've been trying to contact XXXX XXXX for over 3 days. When I log onto my account, this is the message I get repeatedly : " We are temporarily unable to complete your request. '' This is then followed by a statement that the site is busy due to the XXXX breach. 

I called their service center, which is IN XXXX, and spoke with someone who could not speak clear XXXX. I ended up giving him personal info. I do n't know how secure that was. 

I 'm at my wits end the credit bureaus. I will be placing a notice on my XXXX page about XXXX XXXX being a scam operation. I do n't care what anyone does about this, I 'm going to bring them down. I mean it. 

PLEASE HELP.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. ()

I can not confirm registration for the " trusted id XXXX '' Equifax product which monitors thefts and givers one-million dollar insurance for free for XXXX year. XXXX They will not confirm me on the phone at the number given on the registration website XXXX and refer me to a different number. There is no answer at the second number XXXX. XXXX The link that they sent to me to confirm my registration via e-mail will not allow me to connect to complete the confirmation procedure saying their " cloud coverage does not allow service in my area ''. I am in XXXX but a U.S. citizen with U.S. bank credit cards. **** Simply put, they will not allow me to complete confirming my registration which is necessary but is an extra step in the process that is totally not needed once I have registered and should be eliminated. **** Once I register for protection there should be no additional registration steps needed.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in TRANSUNION so I believed TRANSUNION was not able to investigate these accounts promptly. Please supply any signed agreement with this company.
Consumer complaint received 2021-09-07
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: CITIBANK, N.A. (MI)

There hard credit inquiries that I have not made showing up on my credit report. From the following lenders : XXXX XXXX XXXX  XXXX  CBNATH And also incorrect names showing up on my report for a XXXX XXXX. 

I have tried to get ahold of the lenders but I can not get ahold of any human representative only voice answering machines.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

on XX/XX/XXXX I attempted to make a purchase from the XXXX XXXX XXXX store in XXXX, Ga. Store # XXXX. The amount was {$740.00}. The check was declined by a company named Certegy. This is the second time that they have declined a check without providing a reason other than " a computer algorithm. '' The first was on XX/XX/XXXX ( complaint # XXXX, filed on XX/XX/XXXX ) and was given the same response. I filed a complaint with this organization as well as the FTC. Certegy also, by their report sent to me, shares this erroneous information with other similar companies-specifically Chex Systems. It is  unacceptable that they will not provide the information to me that if I have detrimental or inaccurate information on file with their company, in order that I make correct any mistakes or to point out inaccurate info to them in order for them to correct it. It is also a defamation of character for them to share inaccurate information regarding me to others, especially after being notified of a dispute. I do not believe that this agency actually looked at my original complaint and simply accepted the " form Letter response that Certegy provided '' and closed the complaint.
Consumer complaint received 2017-09-28
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. (IN)

Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXXwhen my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX & XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (MS)

I have had my Popular Bank XXXX card since XX/XX/XXXX ( XX/XX/XXXX ). They charge an annual fee of {$59.00}. Recently, I was charged an annual fee of {$59.00} on XX/XX/XXXX ( XX/XX/XXXX ). I called in to cancel the card within 30 days to have the fee waived as I am undergoing hardships due to the coronavirus pandemic. The card was cancelled XX/XX/XXXX ( XX/XX/XXXX ). They said they'd have the fee refunded but never did and now I am being charged late fees for not paying the annual fee. I have spoken to no less than 3 agents since the first customer service agent and they all refuse to have my annual fee and the resulting fees waived. My cancellation number is XXXX Please help.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

For approximately a month I have been receiving email from : XXXXXXXXXXXX regarding a security code. These emails are generated when you put in a user name and then click on " I forgot my password '' The emails contain the last 4 digits of my credit card and my first name and middle initial. These emails indicate that someone is trying to access my account. I logged into the capital one site and tried to change my user name to make my account secure. Changing your username is not an available option on the Capital One / Furniture Row credit card site. I am able to change my email address and my password, but not my user login. 

I called Capital One o
n XX/XX/XXXX to try to fix this problem. I spoke with a representative who told me to change the login on the website. I explained that it was not an option on the website. I then spoke to a manager who told me that she was unable to change my login on her end and that I would have to un-enroll from the service on the website. I explained that that was not an option on the website. She assured me that she would un-enroll my account and I would receive a phone call when it was completed. That was 9 days ago. I still relieve 2-3 emails a day that someone is trying to
access my account. I am unable to change my login or un-enroll from the service.
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastpoint Recovery Group, Inc (TX)

I started receiving calls from East Point Group in XXXX, NY on XXXX/2017.  They claim that I owe money on a credit card that was already settled with the company that issued the card. When I did not agree with their claim that I owed on the card, they called my old roommate and my husband and told them that I had 19 outstanding delinquencies, that I was a liar, and specifically told them that I owed money on a credit union  issued credit card. This company called my old roommate, my husband, and myself several times yesterday and again this morning. This company is harassing me and my family in addition to lying about debts I owe. I have attached the receipts showing I paid off this debt to this complaint.
Consumer complaint received 2022-03-10
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-04
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. (FL)

On Experian and XXXX and XXXX Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, 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, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.