davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-12-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MN)

Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/2022 I tried to purchase furniture using my new Costco Citi credit card to purchase furniture for the apartment I had recently moved into, I had used this card to purchase gas a few miles away earlier that day. The purchase was marked as fraud ( when it was not ) and so they froze my card. When I called the tell them it was not fraud I was told to verify my account info, which I did, and from there they told me I couldn't get a code they needed ( for some reason? ) to unfreeze my account via text, which is apparently an option, but for some reason they couldn't do. And was then asked about other phone lines I had for them to call, which once again I didn't have. The only option then presented to me was for them to mail me a piece of paper with a reference code for them to unfreeze my account. Which I told them wouldn't be feasible since the mailing address mail would be frozen for the next month. I was told it was the only option and so I accepted that I wouldn't be able to use my credit card for the month while I waited for the mail to be unfrozen. Flash forward to XX/XX/XXXX and this piece of mail still hadn't arrived so I called them again and they said they would send out another letter. It is now XX/XX/XXXX and I still haven't received it so I called them once again and still my only option is this letter and its now been over 2 months since I've had access to my credit card.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Bank whose address is : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that may credit card account which I have with this bank last four digits # XXXX, is late and past due for the months XXXX and XXXX XXXX XXXX.As a result of this clerical mistake my credit score went down XXXX points, and I have lost access to a wide array of financial products previously available to me. All payments on this credit accounts have Despite these attempts, been made and sent by me to XXXX XXXX Bank in time. In good faith I have disputed this issue with all three credit bureaus Transunion, XXXX and XXXX, asking them to remove erroneous information from my credit reporting files submitted by XXXX XXXX Bank. Despite all these attempts erroneus negative information stayed in all my credit reports. I also sent a letter to XXXX XXXX Bank explaining the situation and asking them to remove erroneus negative information from credit bureaus... I have never received any answer from XXXX XXXX Bank. I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the facts mentioned above and care for a full investigation.Thank you.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

My Bloomingdales credit card was used for fraud. The first time I saw the charges on my statement, I disputed the charges on line, I called the Bloomingdales fraud department, and I filed a report with the credit bureaus. This was XX/XX/2023 the first time the charges appeared on my statement, the charges were made in mid XX/XX/2023. My card continued to be compromised with fraud on line purchases and I continued to call and report on line. This happened despite being issued new credit card numbers. In XX/XX/2023 I received a notice that my claim was denied and the total charges of {$3800.00} plus {$250.00} interest were added back to my credit card balance. I have record that a rep told me that the items were shipped to XXXX. I live in NJ. I want these fraud charges taken off my account. I will appeal the resolution. Please help me in anyway you can to resolve this theft. Bloomingdales credit card is a XXXX XXXX credit card.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

n 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I graduated in XX/XX/2007. I still have over 60k in student loan debt with Navient not including the private loan that they will not allow my co-signer to be released from. 
After multiple suggestion of deferment or forbearance they finally began to offer an income based repayment plan but the interest on the two federal loans had accumulated so much I still can not afford the payment. I was never able to get the help I needed and to this day I get conflicting information. My paperwork has been misplaced multiple times over the life of this loan. I hear so many negative things about this company and I am truly afraid that I will forever be haunted by this debt that could have been avoided had it not been for their unfair and deceptive practices. Ive had an inumerable amount of hardships and at no point did I find someone with to help. Most recently the govt. declared my county a disaster area but Navient still has no solutions. They have caused unnecessary hardship to my family and impacted my credit.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (AZ)

Wells fargo failed to close accounts I had closed 15 years ago and they claim someone charged {$1000.00} worth of XXXX on a card I closed years ago, I do n't even have an XXXX, and they put this on my credit report. 
Firstly it 's a fraudulent charge I never did. Secondly that card should have been closed anyway. I have not had anything to do with WF since the bailout. Please help my get them out of my life Completely.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX OPENED A SECURE CREDIT CARD FOR ME WITH A {$300.00} DEPOSIT. 
OPEN DATE XX/XX/XXXX. 
I DECIDED THIS ACCOUNT WASN'T WHAT I NEEDED, SO I CALLED AND CLOSED THE ACCOUNT. 
XXXX SENT ME A CHECK FOR THE REMAING BALANCE OWED TO ME FOR THE SECURITY DEPOSIT, THAT WAS USED TO OPEN THE ACCOUNT. 

EACH YEAR I DISPUTE WHAT IS IN MY CREDIT REPORT. 
ACCOUNT CHARGED OFF {$170.00} CONSUMER CLOSED ACCOUNT, BALANCE REMAINING {$170.00} THIS WILL REMAIN ON MY CREDIT REPORT UNTIL XXXX. 

I HAVE TRYED MULTIPALE TIMES TO SPEAK WITH SOMEONE REGAURDING THIS, EACH TIME I AM TRASFERRED TO SOMEONE NOT WORKING AT HOME. BUT NEVER GET ANYONE WHO CAN HELP ME IN THE OFFICE. 

VERY FRUSTRATING! 

SINCERLEY, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WI)

I had an account with Wells Fargo in 2012, after awhile they started charging fees of oddball amounts that were never on the same date every month, which in turn caused my account to overdraft multiple times. I had talked to someone at the bank in person and they did nothing about it, told me that they were fees for holding that account even though it was suppose to be free checking. I was not included in the settlement and I should have been.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Webcollex, LLC (CO)

On XX/XX/22 at XXXX AM, I received the following text message : " Please contact us today at XXXX or log on our website to manage your account https : //cksfin.com/s? t=l2zo. This is a message from a debt collector, any information obtained will be used for that purpose. Reply STOP to opt out ''
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient has added and removed my student loan from my credit report. It reports negative XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This caused my scored to drop almost XXXX points. Now it shows improved account went from derogatory to current XXXX. There has been no change in status if this account. It was in forbearance due to me having XXXX. The agency does not consistently report the account. The information is incorrect and they are not fairly reporting it. As my score increases or when an inquiry comes in they seem to report it as derogatory but then make an adjustment showing its current without notifying me.
Consumer complaint received 2015-10-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is reported false information to the XXXX major credit bureaus for an auto loan. They also breached the contract and wrongfully taken the auto before the first payment was ever due. In addition, they never returned the tendered payments and violated numerous laws, policies and codes.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Late Payments on Credit Report Reference to 15 USC 1666b Dear Consumer Financial Protection Bureau I am writing to formally dispute the late payments listed on my credit report. According to my records and in accordance with the Fair Credit Billing Act, specifically XXXX XXXX XXXX, there appears to be inaccuracies in the reporting of my payment history. 

Transaction Details : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transaction Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation of Dispute : Upon reviewing my credit report, I have identified discrepancies in the reported late payments. I have attached supporting documentation, such as bank statements or payment confirmations, demonstrating that my payments were made on time. As per 15 USC 1666b, I am entitled to a fair and accurate representation of my credit history. I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies on my credit report. Enclosed are copies of the relevant documents supporting my claim. Please consider this information in your investigation and update my credit report accordingly. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I am Power of Attorney for a Navy Federal Credit Union member who has been denied access to a savings and checking account. Navy Federal has rejected their own POA form completed per their request stating it does not comply with the state of Maryland statues. A second form was completed as directed by Navy Federal POA department which has also been rejected. The POA suggest that the agent goes to court and file for guardianship which is unnecessary. The principle has decided on the POA agent, signed the POA form and had it notarized and witnessed. The principle has been locked out of the account and can make no transactions. 

Navy Federal offered a settlement to pay off a previous debt on another account, but once the debt was satisfied the account was not placed back in good standing with a positive balance, but reflects a negative balance greater than XXXX.
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (KS)

This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

In XXXX XXXX used paypal to pay for items i bought on XXXX It was taking a super long time for some of the items to arrive and I started tracking some of them. Most when I tracked them had never left XXXX. Paypal is stating I disputed transactions, what I did was asked for there help in getting my items I paid for. They tracked a couple that said landed in us but no tracking beyond that and I never got the items I addressed to paypal. I did do a few charge backs but not nearly 50 % of them did I do that. Paypal never said anything about my account to my bank nothing. No notice of action nothing. I was not alone in the mail issues and XXXX  that point in time. Alot of people were having the very same issue. When you allow sellers to tell XXXXy there based in XXXX and are not and dont even have tracking to show delivery whos fault is this really???
Consumer complaint received 2017-09-26
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. (SC)

On XXXX/XXXX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XXXX of XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XXXX/XXXX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (GA)

SYNDICATED OFFICE SYSTEMS XXXX {$1000.00} XXXX I 've never been to XXXX.This is a result of someone using my Id. I 've had a fraud alert on my credit file for years
Consumer complaint received 2023-06-20
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: Self Financial Inc. (FL)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : SBNASELFLNDR Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. Please remove all late payments and negative reporting or delete the account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account immediately
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (HI)

XXXX 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for Experian. I believe they deliberately make the freeze very difficult for consumer to use.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I live in Florida. Have a mortgage with Wells Fargo. Have constant trouble with them saying I am short in my escrow payments. I ask for a full accounting of that and they send me copies of statements that sometimes match and sometimes do n't match the ones they have sent me originally. I recently sent a written dispute to them about it. They replied saying that they researched the situation and it is not wrong. That the error has been " rolling over '' since 2011 and even though every year I am asked to pay extra escrow - it never catches up. Each year my statements show a positive balance and then all of a sudden a negative balance. My principle and interest is {$600.00} a month at now 4 % My house taxes are $ 100 month. My insurance escrow is $ XXXX month. Each year they send a letter stating that they need an extra $ XXXX {$250.00} due to a negative escrow balance of {$6000.00}. If I am paying the amount my insurance costs and my taxes cost XXXX how in the world am I short {$6000.00}. 
And if they require me to pay an extra {$200.00} each month every year XXXX how in the world am I short {$6000.00}. I have seen several things that Wells Fargo has been in trouble in the past for fraud for this.
Consumer complaint received 2017-09-26
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. (GA)

Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX  which I am not located in their systems. I have contacts transunion several times with these issues and nothing has yet to be done. I have also asked transunion for written proof of verification and was told they do n't have any. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquires Transunion XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016   XXXX XX/XX/2016
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.