davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I do n't work. I am a single parent, who does not work. I have tried on several occasions to get them to lower the payment. They talk to me as if I am a child. They refuse to lower my payment. They want me to pay in excess of XXXX dollars. I think they are doing this because my dad cosigned, so they feel he should pay. He even talked to them, told them how much he makes, how much his bills are, then they decided to charge more, monthly.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I paid off XXXX of the loans I have through Navient. As I paid off my loan in XXXX of 2016 they made it extremely difficult to pay off the loan with the form of payment I submitted. They basically made it very difficult to pay this off, all I wanted was for someone to take the funds I had allotted to pay off the loan. I have record of them believing I was late on my loan when I in fact had paid it in full. They also stated that there was " easier '' ways for me to pay off my loan that I should do in the future. Happy to elaborate more if need be. I also find it interesting that they never have emailed confirmation of my payments whatsoever.
Consumer complaint received 2017-02-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (CO)

I have been plagued with repeated calls from a debt collection company called Harris and Harris for close to a year. They call both of my land lines, often more than once a day, usually both line and a few times every week. Sometimes they ask for my son, who does not live here and is not connected to my address or phone numbers other than by last name. I have returned their calls and spoken with someone telling them that he does not live here and they need to find him on their own. If I see him I will give him the information but to stop calling me. 
To date, nothing has worked, I was called twice yesterday and so far once today. 
The phone numbers are XXXX XXXX and XXXX XXXX. 
Can you help please?
Consumer complaint received 2015-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I have fraudulent accounts listed on my Experian credit report that do not belong to me. I have sent numerous letters and police reports to Experian informing them I am a victim of identity theft and the accounts listed on my Experian credit report, do n't belong to me, but Experian keep on sending me letters informing me the fraudulent accounts are my accounts and the information is accurate. The following accounts due not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (GA)

In XXXX XXXX, someone managed to break into my credit card account and steal reward points from it. No alert was generated at point redemption and I only accidentally found that out. I tried to contact US Bank officials persuading them to built a fraud protection into points redemption procedure, but despite my 5 calls and promises that someone from the management return my call, it never happened. Card was replaced and points credited back. I also found out that my points were transferred to another US Bank credit account and no fraudulent charges were applied to the card that clearly indicated that the thief 's target was only the reward points and he acted based on internal information available to US Bank employees only. On XXXX XXXX XXXX I found that my card was compromised again and another XXXX XXXX reward points were stolen from my bank. When I called them, it turned out that US Bank was well aware of the breach but they did n't even try to call me and alert me on fraudulent activities in my account, let alone the fact that point redemption did n't generate any alerts, either, despite the fact that 6 months ago it became clear that they must improve their system and add such alert.. They said that it was someone who generated fake ID and logged into my account. They refused to accept the blame saying that that someone was in possession of all my data, like ss number, dob, etc and they could n't do anything. I pulled all credit reports for me and my wife and found that our credit status has never been compromised. Also, nobody broke into our XXXX other reward credit cards. Like in the first case, no fraudulent charges were found on the account, so target of criminal activities was again just my reward points. This makes me think that the crime was committed based on internal knowledge of someone inside US Bank, just like in the first case. Else, how can we explain their in depth knowledge of US Bank reward system and the fact that fraud was limited to only US Bank credit card and no other cards I have, and my identity was n't compromised based on credit reports? They promised to return my points in 6 weeks ; this is totally unacceptable and it ruins my vacation plans as I tried to redeem points for airline tickets on the day I discovered points theft. However, US Bank apparently tries to convince me that this is my problem. All in all, US Bank does exceptionally poor job protecting customers from fraud, their alert system is outdated, they refuse to communicate with customers and accept responsibility and conduct proper investigation. Essentially, the shift the blame to someone else leaving the customer unprotected. The manner in which they conduct the business is totally unacceptable.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Navient consistenly applied my payments in the least efficient manner, leaving many of my loans past due in effect ruining my credit. as well as harrassing my cosigner about the loans has resulted in my own father not wanted to contact me in regret of co-signing. I 've asked and asked for debt relief and refinancing options to no avail. With credit ruined, and no hope for ever becoming debt free, it has me feeling like college and bettering myself has become the biggest regret in my life.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I have filed a complaint against Navient prior to this for their reporting of information on my credit report. Navient sent me 2 email updates after I disputed several late payments that they were reporting on my credit report saying they were investigating and I would receive an update by mail when they were finished researching. When I filed a complaint on them, they responded by saying that there investigation showed that all of the late payments reported were correct and I disageee. Navient has failed to show me any proof of these late payments that they are reporting. I sent in my request and they received it on XX/XX/XXXX. If Navient has not furnished the documentation that they used to verify these late payments by XX/XX/XXXX, which is 30 days from the date that they received my notice, I would like for them to delete these late payments from all XXXX of my credit reports.
Consumer complaint received 2017-05-22
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)

XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX    XXXX    XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B  and 623 ( a ) (  6  ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OR)

I received this gift card as a  XXXX  gift in  XX/XX/XXXX . I opened the card that day, never used. I did not try to use the card for close to a month? When I did finally try to use it, I kept getting an error with the card telling me I was not able to use it or it was denied. I tried the card i n  XXXX  sep arate stores total thinking it was the store.   I finally called the number on the back. The company told me the card had a   XXXX    balance and when I spoke to the customer service agent, they looked up that the card was used on I think either   XX/XX/XXXX   XX/XX/XXXX   or  XX/XX/XXXX , in California. Not only did I not have the card in the mail as of yet, but I live in Oregon.     I filed a complaint, the  US Bank/ Visa company said they would have me fill out the paperwork. I filled out the paperwork. We are now at  XX/XX/XXXX  and I still have not received my replacement card.   I have called and  US Bank/ Visa said they are still researching the card. I have already been told over the phone they saw charges of the card used in a state I do n't live in. I do n't understand why this has been impossible to get my replacement card.   i feel like  US Bank/ Visa is acting fraudulently by keeping the money from the card and refusing to send a replacement.     This is a  Vis  a Debit Gift Card    XXXX    XXXX  issued by  US B ank
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MN)

I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2016 Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Office XXXX Department XXXX XXXX, XXXX XXXX Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX RE : Illegal XXXX Bank Business Practices To Whom it May Concern : 1 ) In XXXX 2016 XXXX Bank refused to honor the advertised {$120.00} Power Up checking bonus. In fact, on or about XXXX XXXX, 2016 representative XXXX XXXX falsely claimed that the consumer did not meet the requirements of the offer, despite evidence to the contrary. 

2 ) The consumer applied for a XXXX Bank business credit card on XXXX XXXX, 2016. In response, on XXXX XXXX, 2016 XXXX at XXXX Bank Cardmember Investigative Services closed without cause and seized the reward points from the consumer 's XXXX existing XXXX Bank credit cards and XXXX credit card issued by XXXX XXXX Bank in the State XXXX. The consumer 's credit history is excellent, as evidenced by several targeted offers and credit line increases extended by XXXX Bank during this period. Moreover, these closures are illegal under XXXX Law : XXXX. Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so. 

3 ) As of today, XXXX Bank has neither acknowledged nor addressed the consumer 's XXXX XXXX, 2016 formal request to reopen the accounts and restore the associated points. 

XXXX bank has demonstrated a pattern of malicious and unlawful behavior designed to fraudulently deprive the consumer of accumulated cash rewards. 

Thank you for your consideration of this consumer complaint. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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: BARCLAYS BANK DELAWARE (CT)

I got a hard inquiry into my credit made from Barclays Bank XXXX XXXX informed me. 

I need it removed. It isnt me. 

My number is XXXX. 
My name is XXXX XXXX
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (NY)

I received communication from equifax giving me a number to call or a website to contact to limit sharing of some of my personal information. The website links were outdated apparently as I could not access the link to opt out of sharing. I made several phone calls to the number given in the communication and was told a menu would prompt me thru the choices. My only choice was to wait for a rep and got a message stating that the hold time was extremely long at this time. I have been able to easily limit sharing thru communications sent to me by banks etc. over the phone very quickly. What gives with XXXX? It seems I must now mail the info in and hope that they follow my instruction. This is not acceptable to me as I have no way to verify that my wished have been followed.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I have sent in a multiple inquiry letter more then once to Equifax trying to get these unauthorized inquiries off my credit report because they are unable to verify the inquiries and I have contacted the creditors to make them aware they are fraudulent and they referred me back to the credit bureau and I am tired of getting the run around and just would like them removed off my credit report. I am trying to buy my first home and all these inquiries do not look good with the lender XXXX
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

They would remove the inquiries then they would put them back on, I do n't know why they would do that, only XXXX and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with one on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I contacted Experian to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Experian the court documentation showing that it is no longer active and was filed erroneously but Experian has yet to block this information from my credit report.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (WA)

I made a payment to pay off my us bank credit card in the amount of {$12000.00} and us banks system decided to take that payment out twice. So they overcharged me {$12000.00}. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait XXXX5 days for the {$12000.00} to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my account to start with, I never athorized {$24000.00} only the {$12000.00}. I have been on the phone for over 2 hours now trying to find ways that they can give me my money back. They just keep saying thy can not do anything. i am very very upset that they first off took that much money from me and second telling me they wo n't give it back to me right away. Thy will not release my funds for at least XXXX5 days and are not willing to do anything to fix the mistake their system made.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (NV)

I have a hard inquiry report on my XXXX on XX/XX/2017 from Clarity services Inc. This was unauthorized by me. The company illegally obtained my credit report without my authorization. I do n't even know what this company is or does. I do n't know how they were able to obtain social security number.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

I have submitted several disputes to Experian. Attached is the last letter that they sent to me. It lacks sufficient information to identify which dispute they are referring to. They did not identify the account I had disputed. They did not reference the date of my letter. They did not reference the report number that I had disputed. How am I to know what they are referring to? Experian is doing a very poor job of communicating. It appears that they do n't take disputes seriously and/or they do n't care about reporting only accurate information as required by the Fair Credit Reporting Act. This is very frustrating to someone who is trying to get inaccurate information corrected on their credit report. The CFPB should address such problems with Experian and get them to comply with the law.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Both XXXX and Equifax will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the CEO of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The CEO of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to XXXX, Equifax and XXXX. XXXX has updated my account and removed all late payments. XXXX and Equifax has not. I started a dispute with both and XXXX made no changes. Equifax has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.