davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

My bank - USAA allowed a third party to do a complete takeover of my accounts. They were able to take {$9000.00} in Home Equity loans, transfer them to my debit account, and make XXXX Withdrawls of {$400.00} in a single day from an ATM. They did not catch this fraud until I brought it to their attention. They also " lost '' {$7000.00} of our money when it was transferred into a " Ghost '' account and did not apply the $ XXXX to our Home Equity line of credit. 
1 ) What kind of responsibility does USAA have to announce how many accounts this happened too? Wait time for fraud department went from XXXX to 2 hours leading me to believe this is widespread. 
2 ) It 's obvious Negligence when they do n't catch XXXX transactions for {$400.00} in a single day..do I have any options for redress due to their negligence? Myself and My wifes - name, birthday, Social Security number, and address are now in someone else 's control thru no fault of our own. 
3 ) Has their ever been an Audit of USAA 's procedures? How can they " Lose '' $ XXXX into a " Ghost '' account? I spent over 10 hours on the phone with them and ended up having to email XXXX of their executives ... and their CEO multiple times before they realized their accounting error. 

Any assistance in this matter would be appreciated.
Consumer complaint received 2022-02-09
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: Patch Homes, Inc. dba Noah (CA)

XXXX XXXX XXXX ... Patch Homes ... NoahXXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Clark County Collection Service (IL)

I rode in an Ambulance on XXXX/XXXX/2016. It took a while to get my medical insurance information so that XXXX paid the claim. In that time the charges were forwared to Clark County Collections Service XXXX. I 've paid the ambulance company and the lab company so I should have no other charges to pay but this collection agency is claiming I owe {$1200.00} with interest.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

On XXXX occasions within the last XXXX months, my credit card company reduced by credit limit by the amount in which I paid down my credit card balance, causing me to continuously have a high ratio and negatively affecting my credit score. For example, with a balance of {$700.00} I paid {$100.00} and my credit limit was reduced to {$600.00}. Recently, I paid my balance down to {$390.00} and my credit limit was reduced to {$400.00}.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

For the past 3 days, I have been trying to obtain my free credit report from Experian, via the " annualcreditreport '' website. Each time, I answer the preliminary questions ( name, SSN, etc ) and get to the XXXX screen ( specify which report you want ). I request only the report from Experian. At that point, the request fails. I get a message from my web browser ( XXXX ), stating that it can not validate the security certificate for annualcreditreport.experian.com. When I tell the browser to continue anyway, I get a message from Experian, saying that my request can not be processed at this time, try again later. In previous years, I have been able to request the free credit report from Experian and the other XXXX companies, via the annualcreditreport.com website. I suspect that Experian is causing this problem deliberately, to prevent people from obtaining a free credit report from Experian. Furthermore, there is no way to contact Experian via email to report the problem. I request assistance from CFPB to obtain this report, and that CFPB take action against Experian.
Consumer complaint received 2016-11-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (NY)

I opened an online account with Synchrony Bank about 2 months ago. 
Beginning XXXX weeks ago, I have been unable to access my account. When I log in, I get a message to call them. I have called 4 times and no one has been able to correct this issue. They say they will escalate it, but no one calls me & no one has fixed this problem.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Im disputing these accounts from my Experian credit report by the name of XXXX XXXX  and XXXX XXXX on my credit report, as reported by Experian. These accounts are in violation including Experian of 15 USC 1681i section 5, as Experian has allowed these unidentified accounts willing to be reported on my credit without verifiable documentation or any written, signed contract agreement demonstrating my ownership of debt to these accounts. Which will be considered fraud to me not knowing how these account obtain my personal information without my consent. This failure from Experian to verify ownership is a direct violation of 15 USC 1681B ( a ) ( 2 ). 

Experian 's actions have damaged my credit credibility, making it difficult to obtain credit with certain lenders. I have documented proof through the Consumer Financial Protection Bureau ( CFPB ) that I have previously requested information regarding these accounts and have lodged numerous complaints in writing, via certified mail, directly to Experian. Despite these efforts, Experian has neglected my consumer rights by allowing these accounts to remain on my credit report. 

I demand the immediate removal of these accounts from my credit report. If Experian continues to neglect this matter, I will have no choice but to seek legal counsel to address this issue. 



Remember to include any supporting documentation and send the letter via certified mail to ensure it's received and documented.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (AR)

My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I began checking my credit report, and disputing inaccuracies a few years ago after finding out my identity had been stolen. On XXXX separate occasions, I have provided the police report and all other required info. Here recently, the big XXXX have blocked me access to online completely. Now, they refuse to return my phone calls, so I wrote Experian a letter with the police report again, and not knowing the outcome of my previous dispute. I never received a revised copy from Experian or XXXX, or XXXX. I clearly stated in my letter that I was disputing all adverse items, except for XXXX XXXX XXXX XXXX XXXX which had 10+ years of " in good standing '' items, and also XXXX loans that were in the negative. They sent me a report stating that they fixed the problem. They did not. They deleted all of my " in good standing '' items, and nothing else. The following day, I was able to get through over the phone, and explained the situation. They apologized and reassured me it would be resolved immediately. The next report I received had no changes made whatsoever and my good credit still deleted. They claim I had placed a fraud alert on my file with XXXX of the other agencies, and this is simply not true. I called them again, and was placed on hold 11 times waiting for a supervisor, that never answered, so they told me all I could do was leave a message each time, and so I did. I never received a call back. They did send me a XXXX page letter stating that It was my fault, and to see the attached report to answer my questions. There is nothing on the report. I have done everything I know to try to get this resolved, and they have continued to make matters worse each time. If you read through the documents I have provided, you 'll see that no due diligence on their part has been exercised. They have created more problems for me than the people who stole my identity, and they need to be held accountable. Otherwise, they 'll continue to blame me for their mistakes, or intentions as it seems, while I continue to suffer from them. Attached you WILL find a copy of my police report, and the letters that have been mailed. Finally, I do n't know who would request them to delete all of their " in good standings '' and ruin their own credit, but Experian is accusing me of gaining from it, and that I agreed in writing that the information was blocked in error, that I had knowingly obtained possession of goods, services, or money 's as a result of their blocking my good information, and that the block was based on a material misrepresentation. I assure you, I am not benefiting anything from having to deal with this ignorance, and yet they determine what goes on my credit report, and refuse to take anything off that is not mine. No conspiracy there, it 's just an inept malice that is somehow tolerated. While they play games with my life, I get wait on hold for noone.
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have defaulted on my private student loans. I owe XXXX dollars to navient. I have got into a program to pay on my loan. I have been in the program for over 6 months. I was looking at my credit report to determine if I can go about getting financial backing for a loan. All of my loans are charged off. I understand this happens in default but I believed if I made consistent agreed upon payments on my loan that it would reflect on my credit that I was trying to work with my creditors. I called navient today and tried to see what are my options. They informed me that the only way to change what is on my report is settling for XXXX or paying my loans off with them. I am currently trying to fix my credit and move into the next phase in my life. These student loans are a nightmare that never ends. I know it is my fault for letting them default in the first place but I could not afford them when I got out of school and when I finally got steady work and was able to get into a program that I could afford, the loans were already defaulted. And because of my private student loans I do not get the benefits of the federal student loans. I am at the mercy of my lender. I would not mind settling with navient however I would have to do it in payment arrangements over time. I really just want the debt of student loans to end as soon as possible. I want to be able to buy a house in the next five years.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PR)

Student loans PAID IN FULL DUE TO CONSOLIDATION by XXXX on XX/XX/2024. 

This information was sent to me on XX/XX/2024 and is also updated in my FAFSA account. 

Experian and XXXX refuses to update my student loan from my credit report. XXXX already did it after the first dispute.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (UT)

I used my Lowe 's credit card to make a purchase that qualified me for an interest deferred offer from Lowe 's credit card. The interest deferred deal was supposed to be good till XXXX XXXX. In XXXX XXXX I made a purchase using my Lowe 's credit card in the amount of {$220.00} - I made a payment of {$300.00} in XXXX XXXX, which more than covered this purchase and in XXXX I made a payment of {$120.00} to ensure I had more than covered the purchase made in XXXX, so as to not be charged any interest. Upon reviewing my statement ( Lowe 's credit card in essence forces the so called paperless billing down your throat which makes reviewing your statements more difficult than when receiving them in the mail ) I noticed that they had charged me interest. I called their customer service number, XXXX and spoke to XXXX. Basically he tells me that this charge of interest is within their agreement and too bad so sad for me. These slobs lure you into a deal then find an excuse to XXXX money out of you.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

I was unable to make a payment to my Amazon.com Rewards Visa account due to their website not functioning in XXXX 2013 and let Synchrony Bank know what happened, after I paid for my account, which was right after it was late and the website was functioning. I want them to correct my late payment with the credit bureaus. I have tried to contact them but they have do n't have an email, their website is down again, and they keep disconnecting me via telephone. Please ensure that the late payment is removed from my credit report?
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (UT)

Purchased a group of items through XXXX, paid XXXX ( XXXX on XXXX cash balance and XXXX on citi credit card ) - never received items. XXXX suggested to file a claim through citi ( wrongly, but I did it ). Citi claiming merchant " sent '' item - very frustrated. {$2600.00} locked up in disputes. Followed dispute process through citi and citi not looking out for their cardholders.
Consumer complaint received 2020-09-10
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: CITIBANK, N.A. (FL)

I I own a XXXX XXXX. As most informed people are aware the industry has been devasted by Covid-19. I have absolutely no income from my agency, in fact, I have had to return commission payments previously received. I have a business credit card with Citi and I have contacted Citi Bank for some type of relief in repayment of the credit card, they keep telling me I am not eligible for assistance. I can not for the life of my future this out. With continuing to accrue interest the card is now over {$30000.00} They tell me to call every month, which I have been doing since XXXX and still no relief. Please help me. This is going to have to be written off as a bad debt. Before the collection agency starts call what should I do?
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Consumer complaint received 2020-10-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Nationwide Title Clearing, Inc. (GA)

This letter is part of investigation of fraud involve my mortgage, I have attached this inquiry a copy of the assignment in question. please provide me this information I listed below. 1. the balances of notes that transferred or sold. 2. who is the lender for each note. How many notes in this assignment. 3. what role you played creating this Assignment. My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX please be inform your answer will be use in court. This letter is part of elimination process to find out who involved in mortgage a fraud.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX / XXXX / {$980.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2020-10-17
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. (TN)

On XXXX I submitted a dispute to Transunion with proof that one of the accounts listed on my credit report was not valid. I requested that they remove the account but they did not and only parroted the same response from my last dispute. I do not believe they investigated.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My loan was sold by XXXX XXXX to Ocwen in XX/XX/XXXX, I was granted a Non-HAMP modification by Ocwen signed and notirized XXXX XXXX. According to the language of the modification I was to have a 4 % interest rate for the life of the loan. There was no indication of any increase. XX/XX/XXXX I received a notice that my interest rate was to increase to 5.125 % as of XX/XX/XXXX, a few weeks later I received notice my loan was being tranfered to XXXX XXXX and all future payments and correspondance would go to them. No action could be transacted until the transfer of documents had occurred. After being assigned a loan specialist I brought to his attention my grievance concerning the increase of interest rate an oversight error on the part of Ocwen. He informed me after reviewing the modification documents it did appear to be an error however his supervisor and or the underwriter 's would investigate. Shortly after that I was informed contact with Ocwen would be necessary and they would have to make any adjustments in the loan interest rate increase. To date I 've been told no contact has been made with anyone who is authorized to make those adjustments as XX/XX/XXXX.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX / XXXX / {$350.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).