davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

Experian has an item listed on my credit report XXXX XXXX XXXX Dated XX/XX/2010 Acct # XXXX This not my account I disputed this item on my credit report. It came back as verified. I asked Experian to mail me the verification method within the 15 day timeframe. They did not. I ask that under the FCRA that this item is removed immediately.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My loan was in forbearance with Navient from XX/XX/2011 to XX/XX/2011 and they reported a 30 day late payment in XX/XX/2011. This is incorrect and they are hurting my ability to use my credit and need to fix it ASAP.
Consumer complaint received 2022-10-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. 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 you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. Here are the list of items that needs attention in my credit report : XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Company : Citizen 's Bank Date : XX/XX/XXXX Incident : Citizen 's Bank closed my checking account on XX/XX/XXXX of 2019. The closure of this account left me unable to pay my bills, and even resulted in XXXX of my personal loans going into collections. They did not give me a reason for the account closure other than a personal deposit agreement that was mailed to me. Citizen 's Bank claims that I signed this agreement, but has not provided any documentation of my signature to verify this information. 

According to the Citizen 's Bank Personal Deposit Account Agreement : " We may close an account at any time, without prior notice, such as where we, in our sole discretion, note any unusual or excessive patterns or activities including, without limitation, the use of the account in an illicit, exploitative, or abusive manner. '' I did not take part in unusual or excessive patterns of behavior. I did not use my account in an illicit, exploitative, or abusive manner. All of the representatives that knew me at Citizen 's Bank knew that I would regularly deposit cash and wire money to buy cryptocurrency, such as XXXX for personal investment. I used my account to do this from late 2018 until the closure of my account. Citizen 's Bank sent me a letter that my account was suspended during a period of when I was on vacation and unable to reply to them. 

Citizen 's Bank also claims that they made attempts to call me, but they have not shown any evidence that they tried to contact me.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  XXXX
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

My student loan company ( Navient - formerly XXXX ) will not help me to reduce my monthly payment amounts. They let me know that they do not reduce them for private loans, but that I could submit a federal loan monthly payment reduction. I submitted an application 3 times to the government site and have not heard back ( last submission was in XX/XX/XXXX ). Navient is charging me {$1000.00} per month and kept pushing me into forbearance. Forbearance is no longer an option and they have not offered any assistance to get these under control so I just keep accruing interest of 6-9 %.
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .Midland have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Midland Funding, never signed a contract, nor do I owe them any money.
Consumer complaint received 2017-07-15
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. (PA)

XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
Consumer complaint received 2017-04-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (TX)

I have a credit card balance and an overdraft priviledge balance due. I had XXXX 7 months ago that went bad keeping me out of work. The XXXX first at XXXX and then switching numbers at XXXX started robo calling 3 and 4 times a day including today, Sunday, during church services, since XX/XX/XXXX of this year approximately 3 months and 9 days non-stop. No live person from XXXX called. All auto dialing carefully designed to vexate and upset the debtor with endless calling harassment.
Consumer complaint received 2017-07-15
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)

My husband had filed for bankruptcy back in   XXXX   of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around   XXXX   dollars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
Consumer complaint received 2023-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have attempted to have a blemish on my Equifax credit report removed. The inital creditor no longer holds the account. I have called the company and was advised although they no longer hold the account, it is still being reported. I have notified Equifax to request to have it removed because it is dated and can no longer be addressed by the initial creditor. Equifax denied my request.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

My student loans are handled by Navient. When I completed XXXX school in XX/XX/XXXX I was under the graduated repayment plan. This plan indicated that my loans would be repaid in 10 years. I have not changed my status and I have made all on time payments. When I looked at my loans recently I was shocked to see that the loan end date for the majority of my loans were in XX/XX/XXXX. That is 30 years post graduation and a far cry from the 13 year repayment plan. I want to know what steps can be taken, if any to repair this. I have in good faith made payments only to find out that I will be paying until I retire. When I spoke with the Navient customer service representative he sent me repayment information schedule that states that the repayment plan is a 10 year plan, which does not represent what I am currently paying.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TN)

I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. 
On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. 
After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. 
Both banks closed my manageable accounts so that I could no longer print or view what had happened. 
Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. 
XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. 
XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. 
I have not received any mail in regards to my debt either from either company. 
I do not have my special equipment to receive or make calls so what can I do? 

Thanks. 

XXXX
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (DE)

Submitted paperwork to navy federal credit union of my military status of the SCRA, which caps intrest rates at 6 %. Navy federal has had over a year to fix my accounts which at one time became deliquent due to navy federal restricting access to my account, restristed online access to make payments for payment.
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

My wife and I opened our accounts with Venmo which is a PayPal company. My wife transferred {$600.00} to my Venmo on XX/XX/XXXX, and then {$990.00} and {$800.00} on XX/XX/XXXX in XXXX transactions. However, Venmo froze my account and and wife 's account on XX/XX/XXXX. Next day they sent my wife and me an email to send Govt. issued ID for account verification. After I sent the docs on XX/XX/XXXX, and my wife sent on XX/XX/XXXX, they have not yet unfroze our accounts. It has been one full week and there is no satisfactory response from them. Their account team is email based. They do not talk on phone. I want to know 1 ) What process they follow for account verification? 
2 ) Is their account verification based outside of US? Because they seem to send emails at odd hours. 
They are using our money from last so many days and fail to respond and give a timeline as to when the account will release my funds.
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (IL)

I applied for the Barclays Gold Luxury Card under the impression that annual fees for XXXX military would be waived while I was in possession of it and maintained good standing. I received a letter stating this and also followed up with the organization late in XXXX to ensure there were no changes in store. I was assured that no changes would be made for military members. 

The intent of my application was clear, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning XX/XX/XXXX. I feel I should be grandfathered into the annual fee waiver as I applied before this changed as a military member. Additionally, this will financially impact me negatively.
Consumer complaint received 2017-04-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AL)

In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ). 

When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only. 

I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

In XXXX my I saw my Discover Credit card has unauthorized {$10000.00} transaction. 
Immediately I called Discover Credit company and tell about unauthorized transaction. 
But Discover charge that unauthorized transaction And denied. 
I report the police but Discover need more proof.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MN)

Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX XXXX XXXX XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

RE : Unreasonable PNC Service fee charges This complaint is the {$2.00} service fee charge for monthly paper statements that PNC charged me even when I specified I wanted only online statements when I opened my account. When I opened a checking account with PNC, I told PNC that I wanted online statements to avoid the {$2.00} service fee. However, two months later, I found that I was charged a {$2.00} service fee for my 'spend ' account and another {$2.00} for my 'reserve ' account. I called up Customer Service and I was told that " that is the way the PNC system is set up : in the first month, the customer will always receive a paper statement and will be charged a {$2.00} service fee on the 'spend ' and 'reserve ' accounts. Why is PNC making me pay for its own inability to fix the system?! I already specified online and they still send a paper statement and then charge me! This is unreasonable and infuriating! And they are making a double killing because a 'spend ' account is tied to a 'reserve ' account and a 'growth ' or savings account. I did not even transfer any money from my 'spend ' account to my 'reserve ' account and I still got charged! 

Please look into this unreasonable and burdensome service charges! This system is so wrong!!!! PNC SHOULD BE FINED AND THE SERVICE CHARGES RETURNED TO CUSTOMERS! WE SHOULD NOT PAY FOR PNC 'S INEFFICIENCY AND INABILITY TO FIX ITS SYSTEM! 

Thank you, XXXX XXXX XXXX PNC client ( XXXX, VA )
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (MD)

I was shocked when I reviewed my credit report and found several late payments on my XXXX student loans with the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.