davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I had instructed and reverified online that I declined Overdraft Protection with TD bank so no person or company can take funds below {$0.00}. TD still withdrew the funds of {$74.00} on XX/XX/year> making the checking account negative ( plus min balance fee ) .The customer rep said that its just pending, but they withdrew the amount anyway. The amount originated from a ridiculous shipping overcharge by XXXX.
Consumer complaint received 2024-03-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (VA)

I rescinded the alleged loan on XX/XX/2005 ( enclosed copy ) and second loan on XX/XX/2005. The attached letters from the Orignator ( XXXX ) requesting us to sign new loan documents after I had rescinded ( enclosed copies ) including the following : Good Faith Estimate ( GFE ) Truth in Lending Disclosures Note ( that I had questioned the rate on page XXXX ) The documents that Fay Servicing , LLC has provided dated XX/XX/2005 are forged and was rescinded ( enclosed document shows changing dates from the XXXX to the XXXX and XXXX XXXX XXXX typed the XXXX on them, illegal ) We never wanted or agreed to a 7.1 % ( when we was paying 5.35 % ) interest rate for 40 years or wanted a second mortgage ( that Fay Servicing , LLC has NOT provided yet ) in 2005.
Consumer complaint received 2022-10-05
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. (TN)

The car I HAD WITH XXXX XXXX XXXX has been REPOSSESS and the account is showing as an OPEN car loan when it should be closed on my credit. Equifax would know that if they had investigated thoroughly and asked if I still had the car. I have no problem with the account being on my credit REPORT THE STATUS OF THE ACCOUNT CORRECTLY!
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-04-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc. (FL)

The company TOMOBOOST I opened a account with isnt reporting to none of the credit bureaus like its supposed. Plus, the account had just dropped today all of a sudden out of nowhere from XXXX. I open this account in 2023, my account has now suddenly just dropped off my credit report and all thought that it was fully paid off I just dont understand how I pay a {$1000.00} for something and its not even providing the service that is said it would its literally doing nothing that is supposed to do at this point. Then to make it even worse, the account has never once appeared on XXXX or XXXX
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have been a valued and loyal customer of American Express Platinum Card since XX/XX/XXXX. Beginning on XX/XX/XXXX at XXXX, in a recorded call w/a male member of the American Express Credit division, I was harassed and a large unauthorized payment was direct debited out of my business checking account. At XXXX, XX/XX/XXXX, I made a follow-up call to the credit department. This time, the man I spoke with was very apologetic, said that he had started a review of the situation and that I would hear back from a supervisor within 48 hours. I never received a call back from the supervisor. The following week I called back several times. Finally I was given the direct line of a supervisor who said we would have a call on Tues. XX/XX/XXXX at XXXX EST to review 8 months of my Am Ex statements which reflect every month inaccurate payments which I made throughout from XX/XX/XXXX-XX/XX/XXXX. I have statements from the bank documenting exactly what was direct debited from Am Ex out of my business checking account. To date, Am Ex has inaccurately posted my payments direct debited from my business account. The supervisor, XXXX XXXX at phone : XXXX, never called and never returned my calls. I called XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I made a payment to Am Ex on XX/XX/XXXX, of {$16000.00}, direct debited from my business XXXX account. I have an outstanding balance, which I have repeatedly said I am interested in paying in full, both in speaking with Am Ex credit operators directly in live calls ; and repeatedly, in my messages to XXXX XXXX XXXX message. My records show that I am being overcharged by Am Ex by at least {$3000.00}. When I call and speak w/any one directly at the Credit Department, I am assured that I will receive a call back from a supervisor within 48 hours. This has never happened. As of, XX/XX/XXXX, I have repeatedly said that I want to pay my balance in full and get out of the extended payment plan where I am being charged 18 % on the ongoing balance ... and our records need to agree as to how much I have already in fact paid through direct debit of my business account. Please help! No matter how many times I 've called and tried to resolve this situation, I have received no assistance from Am Ex. Since XX/XX/XXXX, I have only had very supportive excellent service with American Express. This experience that has now been ongoing since XX/XX/XXXX is very, very distressing and disturbing.
Consumer complaint received 2024-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

In XX/XX/year> I started reaching out to Nelnet about my loans not being accurate. I tried from XXXX until XXXX when I finally got ahold of someone and didn't sit on hold or get hung up on. 

I have to put loans in forbearance 3x due to them not switching my due dates although they told me it was done and switched from the XXXX to the XXXX. Never was processed by them and over drafted my bank account 2x. 

Loan has compiled interests like no other although it's not supposed to be, payments aren't counted or totaled right still, they say they are? I've only made 5 payments? Great lakes I made over 60 payments is the catch. Went from XXXX to XXXX in less than 6 months of time? 

They tell me one thing but it's never right and it seems they just add more to my plate. I can't take it anymore and can't afford to even pay bills.
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Interest rate for my vehicle says 8.02, but the payment is more aligned with an 8.1 - 8.12 % rate. Around XX/XX/XXXX -XX/XX/XXXX, I reached out again to Capital1 to inquire and they gave me the run around, passing me to other 'depts '. XXXX from the 'Finance office of the president ' said she'd have someone look into the matter and get back with me, but I've not gotten a clear calculation of how $ XXXXmo payment for 72 months equals to an 8.02 interest rate for an original {$41000.00} loan. I'd like to have this investigated properly, and for Capital One to refund any unnecessary and extra payments I've made, along with the interest charged on any erroneously calculated and accrued balances, fees, and/or interest. I want to be made whole.
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (OH)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) discharged and my credit repaired. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. 

These private loans with a high risk of default were part of a package deal offered to " for-profit online schools, '' but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance?

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO ( Attached ) asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2015-12-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 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
Consumer complaint received 2018-06-04
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 XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the fair reporting credit act account XXXX, has violated my rights.

15 U.S.C 1681 section 602A : states I have the right of privacy.

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am lodging a complaint once again to notify you of an incident of identity theft that I have encountered. I accessed the FEDERAL TRADE COMMISSION website at XXXX : XXXX and initiated the process of filing an identity theft report. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any entries indicated on an identity theft report with reference # XXXX. Enclosed are the documents supporting the removal of inaccurate information that is currently appearing on my report. The following are the items that are not associated with me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to eliminate any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft within 4 business days of receipt.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. 
Given notice to these companies XXXX XXXX, Experian, XXXXXXXX XXXX and all other 3rd party reporting agencies. Legal litigation will take place if no action is taken. 
Thank you XXXX XXXX ( consumer )
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I have reached out to XXXX and XXXX several times and i have yet to receive a response of any kind. I have XXXX credit cards that are not showing on XXXX and XXXX. XXXX is also showing an erroneous payment history showing several late payments that are not on the other CRA 's for one of my listed cc ending in XXXX. I have been informed since XXXX has not responded that I am owed {$1000.00} in compensation. Please tell me how i can go about collecting that amount. The lack of information being reported by the XXXX 's is falsely suppressing my credit score and is causing me financial harm. I need this fixed immediately. Thank you.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

A hard inquiry was made by CBNA on my XXXX credit report on XX/XX/21. I had made no requests for credit. I called Citibank credit application desk and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both XXXX and to Citibank and await their response hoping that this is thoroughly investigated and the inquiry removed from my report immediately.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

in this account i have a settlement with the company which they asked for an amount to pay off this account. I paid this off in 3 payments they stated it would come off my credit all was settled. Well it was sold to another company after I paid the settlement amount.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX erroneously reported to Experian that I failed to pay a debt timely. This resulted in my credit score dropping from XXXX to XXXX. I have submitted several notices of dispute imploring Experian to do a proper investigation, which they haven't done. Further, now my Experian report reads that the debt was settled for less than the full amount. This is untrue. Despite filing XXXX additional disputes, Experian hasn't corrected their error. ( As soon as I learned of the {$100.00} outstanding balance, I called XXXX and asked why they didn't simply charge the credit card on file -- no answer was given. I directed them to do so, and the debt was paid in full TIMELY. The account is still active. )
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The Executors examined the surety report and discovered several instances where unauthorized access and sharing occurred. The mentioned accounts did not receive approval to access the Executor surety report, XXXX XXXX, and no direct benefit was obtained by us. These credit accounts were unauthorized, and we do not acknowledge them. Unless you can provide a copy of the authorization by the Executor, we request the prompt deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance {$310000.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$280000.00} Date Opened : XXXX XXXX XXXX Balance {$630.00} Date XXXX
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (KY)

All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. 

XXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX XXXX