davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NH)

I consolidated my loans through Sallie Mae/Navient. When I stopped working, rather than guiding me to a payment plan that would help me continue making payments, Navient guided me towards a deferment program. The balance of my student loans has almost tripled. 

In addition, Navient, when I started working again, based income-based payments on both my income and my husbands even though he was never responsible for these loans. 

These two factors are causing a significant hardship. Navient has refused to deal with this.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXXXXXX DBA XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX DBA XXXX XXXX ) is not reporting on any other credit report besides Transunion.
Consumer complaint received 2018-09-02
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. (GA)

XXXX XXXX  XXXX {$75.00} and {$82.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditor Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation Remove immediately as other 2 bureaus have, against F.C.R.A. law
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/18 I received a notice from XXXX app that my Equaifax score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my XXXX credit card account. According to the contract terms I have with XXXX service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. XXXX representative refuse to give me a copy of the requisition allegedly sent of XXXX nevertheless, Equaifax representatives told me it was not sent until XX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by XXXX causing an adverse affect on my credit score.
Consumer complaint received 2022-08-09
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: GOLDMAN SACHS BANK USA (CA)

No I am not requesting a balance letter, I have clearly stated Pursuant to 12 USC 1431 banks are not allowed to lend money Per the law I am requesting 15 U.S. Code 1692g - Validation of debts ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

If these are credits from my credit card why do you keep attempting to collect a payment? When I ask these questions directly to go with me to Goldman Sachs they were unable to give me an answer. 

The representative XXXX supervisor at Goldman Sachs even Reminded at the end of the conversation to make sure I made payments to avoid interest charges and late fees All evidence is attached via photos to this case Along with my CFC complaint Along with the attorney general of New York and California
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

I reached out to KIA Finance to see if they could change my due date. They informed me that they had processed a due date change in XX/XX/2021 and that I was only allowed one per calendar year. If that were true I am only 13 days from eligibility, but would have to submit late payment once again to process the change. I told them I understood that but has no control over how and when my household get paid and we are having to use all 10 days grace plus a few days in order to submit payment. This does not make us more than 30 days late for credit reporting purposes but it does incur feeds and the collection phone calls are unrelenting, late in the evening and also multiple times a day. I have never broken a promise to pay, and have also set up payments online in advance and they still will call nonstop. I am positive that once I tell them or promise to pay they must stop calling unless I break the agreement which I never have. I also asked for a month 's deferment if they would not change the date so at least we could have time to set the payment aside, they refused. The manager I spoke with was condescending and seemed to think that there was no issue. I am exhausted from trying to get any help, KIA seems to be very non-responsive and I am regretting ever financing with them if this is how they treat customers that reach out for help.
Consumer complaint received 2018-09-02
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: DISCOVER BANK (PA)

Discover Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my credit karma I called discover and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.
Consumer complaint received 2023-02-20
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. (FL)

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i have written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, TransUnion, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Consumer complaint received 2018-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (WA)

I applied for an online payday loan from a company called bluechip financial dba XXXX. This is a tribal lender governed by the XXXX XXXX XXXX of the XXXX XXXX XXXX. 

Borrowed XXXX back on XX/XX/2018 and got approved. I was also on the brink of being evicted and needed to pay my rent plus a late fee. My payment terms for this XXXX dollar loan ... XXXX a month for 8 months and a final payment of XXXX. I agreed thinking to myself that as soon as the principal balance became low enough, I would pay the loan in full to save on interest. I said yes to automatic ACH debits from my account. I didnt realize that after making my payments faithfully for 6 months, I would have to still pay more than I borrowed tp pay in full ... XXXX I have paid XXXX on this XXXX loan so far and can't afford to pay them anymore. I also contacted the dept. Of financial institutions in my state and was emailed that they dont have a license to operate in my state. This loan is therefore ILLEGAL.

I have put a stop payment order with my bank and even though I have three months left on this loan, I refuse to give anymore " free '' money to an illegal and predatory lender who only cares aboit lining their pockets. 

I am also a XXXX XXXXXXXX XXXX patient and need to buy XXXX XXXX meds to manage my condition. I want to enjoy my money, not shovel it to these predators. XXXX for a XXXX dollar loan is ENOUGH. Also, since I put in a stop order for future payments, access to my XXXX account is unavailable. IDK
Consumer complaint received 2022-08-01
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: JPMORGAN CHASE & CO. (MD)

{$6200.00} was applied then deducted as though the payment was never applied or sent. When I call in to ask about the charge and reversal nobody can tell me where the payment was returned to. I asked for the payment to be sent back in the form of a check and my request keeps getting dishonored. Their records show that several payments were made and applied. However my credit limit was maliciously lowered and then reported to the credit bureaus. This malicious actions taken by chase has caused immense hardships in my life and has created very negative affects.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SD)

I was scammed through XXXX. I was trying to sell something via XXXX XXXX. The " buyer '' said he would send money via XXXX. I received several emails claiming to be XXXX customer support saying I need to refund a portion of the transaction since the transaction was too large. I used XXXX through Wells Fargo to follow the email 's instruction to get the transaction to process. I ended up sending {$700.00} via XXXX through Wells Fargo to resolve the issues. I eventually realized it was a scam. The scam emails spoofed XXXX 's customer service branding and I've ran into issues in the past with transfer limits on XXXX which made me susceptible. There was no ability to cancel or terminate the transaction after I realized my mistake. Wells Fargo notified me that the transactions are instant and irreversible.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

Received a 0 % APR until XX/XX/2023 on balance transfers in XXXX from XXXX. I received their cashier checks to make the withdrawal and use the money to pay off the other credit card. The withdrawal for the balance transfer I made was for {$4500.00}. I continued using my card to pay for items, and paid down to {$4500.00} to make sure I don't get hit by any additional interest on anything above the promotional balance. 

I paid down the amount to {$4400.00} to ensure that this wouldn't happen again and that I have some buffer between my promotional offer and the rest of my usage. 

On XX/XX/XXXX I still got hit with interest rate even though I was under my promotional balance of {$4500.00}. I called USAA and spoke to a representative and he confirmed everything was good on his end and he didn't know what caused the interest fee. So he had it removed completely. Now a month later XX/XX/XXXX and I am still getting hit with an interest fee. I spoke to representative today at USAA, XX/XX/XXXX, and they claim they now can't find any agreement we have made nor any balance transfer promotion even though I still have the original email which they can't seem to locate at all on their end. This is an extremely shady business, and this isn't the first time they add fees or interest on promotional offers. They had to settle out of court a few years ago for the exact same thing and now they are still doing it and it is incredible to me that they are being allowed to get away with this.
Consumer complaint received 2022-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-06-24
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-01-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC (NJ)

I was called repeated number of times from Arcadia Recovery Bureau and they kept asking me to pay this medical debt. Upon their insistence, I gave up my social security number but did not pay the medical debt as I requested a letter in the mail before the payment. Now after further research, it looks like an illegitimate company.
Consumer complaint received 2018-09-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers requested by an unauthorized party. 

After several calls, and several request for the issue to be escalated, my account status was made active and more than five times placed back on a block status. The amounts pertaining to the disputes transactions has been placed back in the account and then withdraw more than fives times, proceeded by the total balance of the account presenting billing errors and a decrease in funds for amounts that have been claimed as unauthorized. To this date, I am being prevented rom accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has refused to provide a appropriate resolution and mitigate the losses of the billing errors cause by the several times that the statement lists the same funds being credited and debited from the account. I have been awaiting for a proper resolution and the mitigation of my losses for a period of 2 months.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (FL)

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-15
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: Westlake Services, LLC (CA)

On XXXX Westlake Financial did a credit hard inquiry without my consent. Per TILA I must be aware of what the contract loan is. I never spoke to nor authorized Westlake or any third party to give consent for them to violate my privacy. My credit file had a fraud alert on it and clearly states I must be contacted before credit is ran. I never spoke to Westlake verbally or gave a written consent. Westlake sent me a letter of apology which states their inquiry was no effect on my credit report which is untrue. They did a hard pull not a soft inquiry.