davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am seeking help getting information on exactly what Im making monthly payment towards. Back in the mid to late XXXX I attended a XXXX XXXX. The college was one of the newly accredited schools that was in a plaza. I took a 2-year course in XXXX  and received my XXXX XXXX in XXXX from the school. The issue is that I am still paying for the student loans I took out over 20 years ago. The loan has since been consolidated first with Sallie Mae, then with one other place before landing with Navient. I currently still owe over {$20000.00} in tuition to for a two-year course. What is worse is I also attended a private university in XXXX XXXX XXXX Florida named XXXX University  about 10 years after attending XXXX College and earned a XXXX. Both loans were consolidated with Navient in XXXX  so I have been paying on both loans for a little over 16 years. Currently I still have a balance of {$1300.00} combined on both XXXX loans but still owe over {$20000.00} on the loans I took out to attend XXXX college back in the XXXX. I need help, Ive inquired numerous times with Navient on a breakdown of what was disbursed to make up the balance I still owe and to date they have not been able to help me understand why Ive paid {$16000.00} ( only since 2006 ) towards the XXXX balance and still have over {$20000.00} left to pay on that loan. I am blindly paying for something I have no information on. I recently asked one of the reps to explain how I paid off a loan to a Private University  in XXXX XXXX Florida surrounded by Rich kids driving XXXX  and still owe over XXXX to the XXXX loan and she had no idea. I recently stopped my auto payment because the most recent deductions rose to {$730.00} a month. I can not afford to continue to pay for a bill when I Have no idea what I am paying for. If I paid XXXX and continue to pay thru XXXX an addition XXXX, that is over {$30000.00} for a two-year pop-up college. This can not not be legal, please help me. I also received numerous Pell Grants from the Dept of education from XXXX College as well, which makes the tuition balance even higher. And this all only represents what was paid in XXXX, what about the other payment prior to XXXX. Something is wrong and I need Navient to do the homework and tell me what I am paying for or stop billing me. I thought it was illegal to expect payment with no bills. Please help me. 
I attached a spreadsheet of what was paid to date for the 4 loans and what is outstanding. I included my Navient account number. Please help me, I have a XXXX daughter and I can not afford this.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For my credit report with XXXX, Transunion & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, Transunion & XXXX and my credit score should be returned to what it was in the previous credit report.
Consumer complaint received 2022-07-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022, I opened both 360 savings and CD with Capital One. 

Before funding the accounts, I called to inquire about the transfer timing as well as concerns relating to XXXX as the funds exceeded XXXX and I did not want any issues as I do not transfer large quantities. 

The representative assured me that funds are typically available within a day depending on timing of the deposit, the 2-3 is the checks the back in take to look into XXXX and verify the source of the funds. 

I saw the deposits in the savings account post and every time I clicked on the CD the date for processing was extended, this happened twice. This was suspicious to me and raised my XXXX through the roof. I called again XX/XX/XXXX, as I am certain that when the deposit was made it reflected 2-3 days as the associate also stated and this is pretty standard. The representative tried to put me at ease of my funds will be processed on XX/XX/XXXX. I was not as I am 98 % certain that the processing date changed. If I knew I had to take screenshots of every capital one transaction I would have never opened an account. 

I called again on XX/XX/XXXX and informed the representative that their practices provide me with worry, and I do not care to have an account with capital one. I requested for them to release and return my funds. He stated that CD require a 10-day hold. I requested to speak to a manager, XXXX stated the same and added that although funds are held the account gains interest from the initial transfer and all their CD takes 10 business days. Had they disclosed the 10 business day, I would not have opened an account, that is very peculiar. 

I informed her that I read all the disclosures when opening the account and none of the disclosures informed the customer that a 10 business day hold is required. XXXX tried to find where it is documented in the disclosures and was also unable to locate the language. 

In my opinion, this is deceptive practices. It is required that terms of the account be disclosed. Customers can not rely on employees verbal attestation of how the account grows interest, transfers and holding of funds. 

This is first time in all my banking years that opening an account caused XXXX  and the only bank I did not feel protected and had to close the account within the first two weeks. All my other banks for over 20 years. 

It is also important to note that two deposits in the savings was posted while the same 1 transaction prior to was and is still processing. So they verified my identity... 

Attached is the disclosure from Capital One
Consumer complaint received 2020-11-24
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: TD BANK US HOLDING COMPANY (DE)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (AZ)

I was unable to continue making payments on my Citi Costco Credit Card sue to Covid hardships. I communicated with a few collection agents for some time telling them I was looking for a drastic solution. Finally on a XX/XX/XXXX I spoke with an agent I had spoke with before telling him I had come across a lump some of money from selling assets of mine, that I would be paying the entire balance of the card the following day so that it would be brought back to current and I could utilize it again and revitalize my credit. He told me this would be no issue, that once the payment posted I would be able to use my card, he even reversed a late fee as courtesy and everything was good to go. Once my {$12000.00} XXXX posted on XX/XX/XXXX, my account was immediately closed, no questions asked. This was not only deceiving but manipulative and plain wrong.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have a checking account with Wells Fargo. 
I have requested many times verbally over the phone to decline overdraft coverage, because I can not afford the overdraft fees. But they refuse to put it in effect. The last examples I have are from XX/XX/XXXX they charged me {$35.00} overdraft fee for a XXXX  transaction. That is extremely incorrect because they will not allow a XXXX  transaction unless the funds Are available. On XX/XX/XXXX the same thing happened again, Wells Fargo charged me a overdraft fee of {$35.00} for a XXXX  transaction. I have contacted them via their phone customer service with no luck. I also spoke with branch representative on XX/XX/XXXX and was told nothing can be done. The fees are a complete ripoff.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (IL)

They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (TX)

In according with the Fair Credit Reporting act XXXX, Account name- XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (NM)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WI)

I opened the account on XX/XX/2022. 
I began to fund the account from another bank account. I noticed some transfers were declined and others accepted and then the next time I checked my account was not only in the negatives but blocked. On XX/XX/2022, I noticed the block and began to contact the bank to understand why and maybe see if theres anything I could verify or provide to prove that there was no fraud or anything. Repeatedly, all of their agents said the same thing the account is blocked, there is nothing more I can tell you. Youll receive a check in 60 days. I am not in the financial position to wait 60 days for my funds especially when I have no explanation as to why this is happening. If the account could be unlocked just so I can transfer my funds back, I would close it myself. I trusted this bank with my money and now I have nothing.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Want to complain against TransUnion and XXXX XXXX XXXX bureaus with regards of XXXX XXXX ( XXXX ) XXXX account. Both bureaus reporting my XXXX account as " XXXX '' when I or any other party try to get my credit report before my autopay date. XXXX XXXX XXXX XXXX account correctly. I did talk to XXXX representatives and there no issues on they side, tried to contact TransUnion and XXXX but no success on that issue.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NC)

I made a purchase on Comenity Bank XXXX XXXX card at XXXX XXXX on XX/XX/2022. I never received the bill for this transaction. I was unsure of when billing cycles end and if the charges would go through when the item was purchased or shipped since I rarely use this card. The end of may I received a bill stating that my account was past due and I called in on XX/XX/XXXX. I let the representative know I never received the bill. She waived the late charge that was assessed and asked would I like to make the payment with the information saved to my account to which I agreed. Towards the end of XXXX I receive another bill with another late charge stating my payment was not made. There was sufficient funds in the account to more than cover the bill and it was not a returned payment. The associate simply didnt process the payment like she said she would. I called in again and gave them all the information about my experience. I am told the late fee can not be waived. I am then transferred to a supervisor that eventually waived the late fee but an told there is nothing that can be done about the interest charge that accrued. I am then transferred again to someone who will close the account because at this point I want to cut ties with this company. This individual tells me I have to make the payment before closing the card to which I do and request a confirmation number. I am told that the balance is now {$0.00}. I tell the individual to just leave the card open because I want to see the impact of closing it on my credit before I proceed. A few days later I receive an email from XXXX that a late payment has posted to my credit and I took a significant decrease in my credit score ( over 100 points ) when I look into it they not only reported the late payment but also a balance on the card and simultaneously reduced my credit limit from {$16000.00} to {$750.00} all after the entire account should have been reconciled. Inconsistent information was reported to XXXX  and XXXX. Only the late payment was reported to XXXX. I call in again to inquire why this information was reported as negative on my credit report and learn that my account once again has a balance because a late fee that was removed was added back onto the account. When I speak to this representative she states there is no record of the initial payment I made with the representative and they have no way of knowing who I spoke with. Obviously, their documentation requirements are not up to par. The representative took all the information and said that her supervisor would review and I should call back in a few days. I would not recommend having this card. This has been a nightmare.
Consumer complaint received 2022-07-15
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after the investigation with the same inaccurate information. 

The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. 

This is willful disregard of the FCRA
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

I just checked my credit score with XXXX XXXX. 

National Credit Card Cos. Chase Bank USA , N. A. 
has done four ( 4 ) hard check 's for a Chase credit card I have never applied for a Chase Card. 

National Credit Card Cos. 

Chase Bank USA, N. A  Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank Usa, N. A Inquiry from XX/XX/XXXX These hard checks are dropping my score! 

I would to get these off of my report. 

Thanks ; XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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: The Receivable Management Services LLC (GA)

I received notification of this agency place this collection on my credit reports today. Ive never gone into a contract with this company nor have they proved the validity of this debt. I have no recollection nor have I received notification. 
These rouge collection agencies are taking advantage of Covid, I predatorily adding collections to hard-working persons account without doing their due diligence
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, XXXX and Experian ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, equifax and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.