davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Hello, I would like to make a formal complaint against XXXX in the Navient Collections Department.I set up a payment pay with Navient and they say they took my money out on XX/XX/XXXX. However, my bank manager told me that Navient never took my payment out. I called XXXX and I wanted him to take the payment from my debt card. However, he started to talk smart and then I started talking smart to him.On a personal note, I believe that Navient has workers there who have no respect for people trying to pay their student loans. At first, XXXX did not want to take my payment from my debt card and fought me all the way. Then he told me after the payment went through that Navient was going to double charge me and I could not complaint about.Personally, I just trying to pay my bill with Navient without people like XXXX causing me problems.
Consumer complaint received 2023-08-02
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 XXXX XXXX XXXX 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-02
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. (CA)

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In May they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( 17 ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (PA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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. (GA)

XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my Experian and XXXX credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.
Consumer complaint received 2021-04-22
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: HUNTINGTON NATIONAL BANK, THE (OH)

I have been banking with Huntington Bank for a few years now. 
When I open a business account I was promised a XXXX $ payback for the account if I opened and paid off the credit card quickly. Needless to say, I never received this money back and past the point to care. 

What I am upset about is I have been paying gon this card more than the recommended amount and maybe a day late never much more ad they have unannounced pulled my credit info twice now to lower the amount without my authorization. 
What it is, is they are seeing what I am moving around with my other accounts and because I do not pay off their amount first, they are dinging my credit score to lower the amount.

Unacceptable by any bank to do this without any announcement.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

For the past 3 years Wells Fargo Home Mortgage has failed to pay real estate taxes from my escrow, resulting in past due tax fees. The first year I was traveling on business for several months and came home to multiple overdue notices. I paid all the taxes out of pocket along with the late fees, and had to wait until the end of the year for the escrow account to reimburse me the yearly escrow balance. The second year I called Wells Fargo after the taxes went un-paid. They paid the taxes from my escrow, and they paid for the late fees. The third year I called 2 months before the taxes were due to let them know a tax bill was coming. I called 2 weeks before the payment was due to remind them again. The taxes were still paid late, resulting in a late fee of {$21.00} and they sent me a letter stating that the late fee would be coming out of my escrow.
Consumer complaint received 2023-08-02
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. (FL)

XXXX is inaccurately reporting information on my consumer report. XXXX is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted XXXX and they didnt correct this error.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I signed up for a store credit card in XX/XX/2021. Upon making a purchase that month, I was sent a bill by Comenity - XXXX XXXX XXXX in early XXXX. I went to the store and made a cash payment on XXXX. I was asked if I wanted to use my {$23.00} reward credit towards my balance of {$190.00} balance. I agreed and paid the additional {$170.00}. A month later I received a bill from Comenity for {$25.00}. I first visited the store and was told to call Comenity. I called Comenity on XXXX and explained the situation. They filed a dispute and said I would hear back after review. Yesterday I received another bill for {$27.00}. I called Comenity on XXXX and was told I need to go back to the store. They were aware of the situation of customers making payments at the store but they had no access to the stores information. I think its unacceptable for the store to send me to Comenity and Comenity to tell me to go back to the store. I have a receipt showing that I paid my debt in full.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc. (NC)

I signed up with Beyond Finance to help me settle with my credit cards after my divorce that caused the debt. I understood how they work but they gave me misleading info about contacting my creditors. I thought that they will let all of them know that they working on my behalf to help me settle. What I found out they only contact one creditor and I couldn't even find where the rest of the debt was. After researching everything I found out that they were in collection and didn't know that I am doing something about the debt. When they settled with one creditor, they were so happy to tell me but I found out that they made all the payments to cover the settlement agreement but the last payment they made was on the wrong date and the settlement was terminated as stated in agreement with my creditor. The creditor stated in the agreement that they will accept the settlement but payments must be made on certain dates or the settlement will be terminated. I have been calling them about it right away so they can fix. It started in XXXX and now is XXXX and nothing has been done. 
Beyond finance lied to me they tried to make a payment on the right date but there is no record with my creditor that they did.
Consumer complaint received 2016-05-12
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION (GA)

Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.
Consumer complaint received 2023-08-02
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2021-10-04
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. (NC)

on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED
Consumer complaint received 2019-05-12
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. (CA)

On XXXX XXXX, 2018 my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX.XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/XXXX  refuses to take this vehicle off my credit report.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A. (NC)

So I have a credit card account with PNC bank. I opened it and was working perfectly. I paid off the balance basically weekly. They then sent me a promotion for zero percent interest. I took them up on the offer and did a {$7200.00} balance transfer where I was charged 2 % balance transfer fee. The balance was to be charged 0 % interest through XXXX/XXXX/XXXX. That was all great the first statement came and now interest and I paid off the balance. Then I used the card for regular purchases and paid off the amount. I always paid more than I spent. So the following month I was surprized to see a {$1.00}, I complained and they promptly removed it saying was cause I continued to use the card. That did n't make any sense as the whole credit card concept is that they make money by paying the places you use the credit card less than the establishment actually charged the credit card holder, but then requiring the credit card holder to pay the full amount and as long as you pay off statemetns in full their is not charge. As I had a zero percent interest balance I wanted to pay the minimum needed to avoid interest but maximize the amount of balance carrying zero percent interest. I had accidentally made XXXX payments in XXXX that one of the customer service representatives discussed with me, but ultimately failed to complete transfering back to me the extra payment, so I called in again and was completed on XXXX. Then when my statement was cut on XXXX/XXXX/XXXX their was a charge for {$4.00} in interest. I called and raised XXXX and cited my understanding of the consumer protection laws around credit card and PNC just locked up and would not assist me anymore saying they would just have someone call me or send me a letter in 10 days. I just want someone to credit me back my {$4.00} and help me determine exact minimum payment to pay and avoid interest going forward. Now that they wo n't help me I risk accrusing other interest. To try and avoid and remembering that the lady had said I had a non promotional balance of {$50.00} something dollars I went ahead and added {$60.00} to the minimum payment they say is due in XXXX ( {$170.00} ) and made the {$230.00} payment today to attempt and avoid additional interest charges but this lack of customer service is infact causing me to overpay and thus not reap the full benefit of the zero percent interest promotion I tried to sign up for. I am very disappointed in this service and lack of understanding of their product as far as customer service that I have received from PNC bank. I believe they should credit me my {$4.00} and the interest at their credit card rate + principal on the overpament overpayment was. I am just frustrated that they ca n't give me clear and concise information. I am likely more advanced than their typical client ( own XXXX properties, XXXX USD net worth, etc ) and if I am having trouble getting a straight answer from them expect their less sofisticated clients are even getting worse treatment.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (FL)

Thank you for the opportunity to express my situation... ..pI have this one XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You
Consumer complaint received 2023-08-02
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. (TX)

I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting Equifax, XXXX and XXXX and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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: BARCLAYS BANK DELAWARE (GA)

In accordance with the Fair Credit Reporting Act Barclays Bank DE XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

Through Wells Fargo 's online portal, I paid the full outstanding balance owing on my Wells Fargo VISA on XX/XX/XXXX. This payment was made 4 days prior to the due date of XX/XX/XXXX for a minimum payment. 
Wells Fargo sent me an email stating that my payment was successfully made on XX/XX/XXXX. Wells Fargo then reported me to credit agencies as being 30 days late on the payment and revoked my credit card even though I have made every credit card payment on time since opening the credit card in XX/XX/XXXX. Wells Fargo now refuses to correct their error.
Consumer complaint received 2023-08-02
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-08-02
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose