davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TX)

THE BANK SENT ME SEVERAL CONSUMER EMAILS STATING THAT FOR EVERY IMMEDIATE FAMILY MEMBER I REFERRED THAT OPENED AN ACCOUNT THAT ME AND THE RELATIVE WOULD BOTH RECEIVE {$50.00} REFERRAL FEE. 
I HAVE REFERED XXXX FAMILY MEMBERS AND ONLY RECEIVED CREDIT FOR ONE OF THEM. THE BANK REFUSES TO GIVE ME CREDIT FOR THE OTHERS.
Consumer complaint received 2017-01-19
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)

XX/XX/XXXX I had decided to consolidate my school loans before entering repayment. Multiple Navient employees informed me that consolidating my loans from XXXX ( years XX/XX/XXXX-XX/XX/XXXX ) with my XXXX school loans ( years XX/XX/XXXX-XX/XX/XXXX ) would not impact which income-based repayment plan I qualified for. I expressed my concern that my old loans would disqualify me for some plans, but was reassured that because they were being consolidated, the entire consolidated loan would qualify for all repayment plans. After consolidating and switching lenders ( to XXXX ), I was informed that I could not qualify for the PAYE repayment plan because my XXXX loans were consolidated with my loans. It was very frustrating to be misinformed by several different employees, especially after directly expressing my concerns regarding how my older loans would impact repayment of a consolidated loan.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo blocked my ATM card while I am here in XXXX. They said that I have to go into a Wells Fargo branch to resolve the issue. There is no Wells Fargo branches here in XXXX. This happened around XX/XX/XXXX. They said that I have to call, which when I was able to many many times, my phone kept cutting out on me right when I was able to have them set up getting me a new ATM card, which they said they would overnight to me via XXXX but never did. I have been out of money since that time except of a XXXX XXXX transfer which took 6 days to arrive, I have gone into debt with many people just borrowing their phones and eating food and I even had to go into the woods to get food almost every day. Then they stopped answering my emails after many many pleadings to send me my money some other way or overnight a new ATM bank card which they never did. I am almost with an expired XX/XX/XXXX, and I owe a lot of people a lot of money. They never took my situation serious and I suffered and still suffering until this day which is XX/XX/XXXX. 
They said they will XXXX a new card but I have to wait another 2 to 3 days which puts me past my XX/XX/XXXXstay thus causing further debt to me. I have my rental office extremely upset at me, my family back home is extremely upset with me, I am a XXXX XXXX diagnosised with XXXX, XXXX  and unemployable. This has not helped one bit. Wells Fargo has no emergency procedures and they insist on phone conversations instead of a so-called 'Secured ' email service. What's the point of that if they don't honor my requests that way? 
I am still without money and many people upset with me because Wells Fargo dropped the ball on me and left me essentially to suffer and die here because they blocked my ATM and did not make provisions to IMMEDIATELY send me a new card.
Consumer complaint received 2022-08-04
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance XXXX {$600.00}
Consumer complaint received 2020-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

On XX/XX/XXXX, we were approved for a 3 month short term repayment plan due to the Emergency declaration of Hurricane Dorian coming up to the Florida coast from late XX/XX/XXXX until early XX/XX/XXXX. We left messages for our representative, XXXX XXXX, but were not able to speak with him. We spoke with another representative and told her that a 3 month repayment plan was difficult for us at the time due to having to evacuate and close our business until the hurricane went out to sea. They also wanted the first payment in less than 3 days. She advised us to fill out application of hardship to apply for a 6 month repayment plan. We filled out the application for hardship and sent it in via email and USPS mail to Fay Servicing. On XX/XX/XXXX, Fay Servicing sent us a letter which denied our request for a 6 month repayment plan stating that our income did not qualify us for a repayment plan, however we were qualified for a 3 month payment plan in XXXX which cost even more than a 6 month repayment plan. We were requesting a lower payment plan to spread it out over the 6 month period. We emailed and sent a copy via USPS Priority Express mail on XX/XX/XXXX of an appeal of their decision and the hardship application with changed circumstances. Fay Servicing received the appeal with the hardship application on XX/XX/XXXX, which was within the time period of our right to appeal within 14 days and we left messages again to speak with our representative. We have not received any information from Fay Servicing since by either mail, email, or phone call. We have not received any letter or have had phone calls returned about our appeal for a repayment plan for 6 months instead of 3 months.
Consumer complaint received 2015-03-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CO)

JPMORGANCHASE OPENED SEVERAL ACCOUNTS TO XXXX XXXX UNDER MY NAME USING MY SS # AND STOLEN/FORGED DL # AND I HAVE DISPUTED THIS FOR WELL OVER 6 MONTHS TO VARIOUS DEPARTMENTS IN THEIR COMPANY. PLEASE SEE INDENTITY THEFT VICTIMS COMPLAINT & AFFIDAVIT / POLICE REPORT / LETTERS FROM CHEX SYSTEMS / XXXX / AND XXXX XXXX XXXX. ACCOUNTS WERE OPENED USING A FRAUD PHONE NUMBER XXXX - FURTHER INVESTIGATION UNCOVERED ACCOUNTS WITH JPMORGANCHASE WERE OPENED ONLINE USING XXXX ADDRESS : XXXX. THIS IS AND NEVER WAS MY XXXX ADDRESS ON ANY COMPUTERS. CONTACT EXECUTIVE OFFICES @ XXXX EXT XXXX ADDRESS : XXXX XXXX NY XXXX
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I wanted to report fraud on my account and dispute these transactions all transactions with the merchant XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX' every single transaction under those XXXX merchants is fraud and unauthorized transactions I call to try to get them to dispute customer service and fraud department they were not assisting me and didn't add all charges as of right now I don't have my card I'm assuming it's lost I attach photos of each transaction that's fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am a victim of Identity theft and I sent Experian the police report along with identity theft affidavit. I have contacted the collection agency who is improperly reporting the information as well as Experian to let them know it is not mine they have done nothing. Experian also is reporting personal information such as a name that is not mine and addresses that are not mine as well. They continue to report this fraudulent information and will not send me the proper documents to support this fraudulent reporting. I am sick of this! Something needs to be done. Attached is just one of the many letters I have sent to them to request they fix this and they continue to play games. This information needs to be removed immediately!!
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Omega RMS, LLC (GA)

Omega RMS , LLC refuses to remove an account that has been paid in full off of my credit report since XXXX. I have disputed this account numerous times both with with their company, as well as with the credit bureaus in an attempt to resolve this matter to no avail. Each time, they reply with a generic standard form letter saying they have verified the account to be valid which it is not. The credit bureaus accept this response and have continued to allow the account to be reported, despite the numerous inaccuracies in the account and despite the FCRA they are both bound by. I have spoken to an attorney, who suggested filing this formal complaint as a last attempt to resolve this matter prior to bring a lawsuit against both the credit bureaus and Omega RMS , LLC so this is exactly what I am doing. Most recently, I obtained a credit report from XXXX dated XX/XX/XXXX which contains gross inaccuracies. The original account owed was only {$320.00} for some XXXX  work for my son at XXXX XXXX. This account has been paid in full with XXXX XXXX. Despite this, Omega RMS is currently reporting a MONTHLY payment on this " open '' account to be {$3100.00}, has the incorrect original creditor listed, the incorrect original balance due listed, and that the last payment was made on XX/XX/XXXX, for which no such payment exists. In addition to my prior disputes with the credit bureaus as well as Omega RML LLC, I called the company at XXXX and was told they would put in a " support ticket '' but for me to provide them with documentation showing the account has been paid to their email address of XXXX, which I also have done. The account continues to be reported despite the law and their requirement to follow it. The account has never been properly validated according to the law as I have requested either. I need to have this inaccurate collection account REMOVED completely from my credit reports with ALL bureaus being reported to and to have them be prohibited from reporting to any other credit bureaus any information pertaining to this matter. It is unacceptable to continue to destroy people 's lives by damaging their credit in this manner and I request they be held accountable for their actions. If this is not removed, I will be filing a law suit and enforcing the FCRA for which they will be responsible to pay my attorney 's fees and damages which are significant that I have incurred as a result of their negligence.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have an auto loan with XXXX XXXX  which was categorized as derogatory and had late payments. This was a mistake by XXXX XXXX  and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However equifax and XXXX  only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for equifax and XXXX  to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). Thank you.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Good morning. I was sent to collections by XXXX XXXX XXXX inXX/XX/XXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XX/XX/XXXX and had to move out of our old place which was moldy and made our XXXX year old son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at  which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX XXXX XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX XXXX XXXX SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XX/XX/XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX XXXX XXXX is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX XXXX XXXX off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
Consumer complaint received 2020-01-12
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. (AZ)

I have trying to contact Equifax without any result, they transfer me to one department to another, at this point I don't know what to do. the affairs department is the worst. 
1- ccount Number XXXX XXXX XXXX XXXX XXXX , this account doesn't belong to me at all. 
2- XXXX XXXX XXXX XXXX Account Number XXXX XXXX, this account have been sold appear twice in my report .Activity Designator TRANSFER_OR_SOLD 3XXXX XXXX   XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF im still making payment for this account. 
4- XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account appeat twice on my report and is pay off.Activity Designator TRANSFER_OR_SOLD 5 - XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account is already discharge 6 -  XXXX XXXX XXXX XXXX Account Number xxxx # # account have been pay off.
Consumer complaint received 2020-01-12
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info PO BOX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Check Cashing Service Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All theses inquiries wasn't use with my consent I want them all removed
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MA)

Citibank sent my payment information via unsecured email message exposing the amount of the transaction on my account to unauthorized third parties. 

Email communication is inherently not secure as the information travels over the internet from server to server and can be accessed by anyone who can happen to be an entity in the middle that facilitates the delivery of the email message. Citibank is fully aware of that and I informed the company in the past not to include financial transaction information that I expect to be private into unsecured email messages.
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : XXXX ; Has violated my rights 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.