davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (IN)

Navient is the student loan company. They sent me an email in the in the spring, which I still have, saying my loan was being taken over by XXXX, and I would hear from them in XXXX and everything would remail the same. 
In XXXX, I tryed to renew my IDR but it would not go through the Fed Student loan dept. they told me that that was because of the automatic frobaircen from the goverment.

I get monthly emails that say I do not own anything this month. I also have this months.

I ask at the end of last year if I should apply for the XXXX Forgiveness, and was told that they are imposable to get, and I should just stay the way I am.

I had to XXXX at XXXX because I could not do the job anymore. 
I have had XXXX XXXX XXXX XXXX, and I have a XXXX XXXX that keeps from stand any length of time, I can not walk for my those XXXX minutes without sitting or having to lay down. 
I can get all of the paperwork. 
Also, this loan was taken out in 2007. I paid off my XXXX and XXXX degrees. But then went thru a divorce and little money. most of what they say is owed is interest. But I have had no choose. 
I started off with XXXX XXXX and now Navient. 

I sent on 1040 and my SS report and my XXXX  year-end paperwork. and they said I was fine.

I make under {$13000.00} a year and still pay rent insurance, auto and medical.

HELP I
Consumer complaint received 2022-12-12
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: MoneyLion Inc. (MI)

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

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.

15 USC 1681 Section 604a Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with XXXX XXXX XXXX.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2020-07-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

Titlemax claims they haven't received a payment that cleared my bank on XX/XX/2020. I had made the payment on XX/XX/2020 and tried to stop payment because I was broke, but I was unsuccessful. Titlemax still received the payment, but they are claiming my bank is withholding the payment due to fraud. Today I went to my bank and got proof of payment. I was trying to pay the loan off and get my title back, but they refused to let me pay it off and get my title back, stating they have still not received the payment.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

Hello, I recently ran my credit report with XXXX and discovered a collection item from I.C. Systems, Inc in the amount of {$400.00} from XXXX XXXX. 

I researched my bank statements and did not see any charges in relations to I.C. Systems, Inc. I.C . Systems, Inc is causing emotional harm to my reputation and acting negligent to provide inaccurate information publicly to the credit bureaus. 

I never had a direct business relationship with this company and I would like to see the actual written contract and whatever supportive documents that obligates me to this alleged debt presented to me in a timely manner. 

If I.C. Systems, Inc has a clear copy of my driver license. They should submit that as evidence to support this alleged debt. 

I understand there is a verification process with the credit bureaus. Which is automated and not really 100 % accurate most times with the credit bureaus. 

I will follow up on my end with the credit bureaus and dispute this alleged debt and ask for the proper documentation that relates to this matter. 

Throughout the process of this investigation I would like to request an audit on the record keeping of process for I. C. Systems, Inc. I want to make sure that they are adhering to State of Texas and Federal laws. I have done my research on this particular company and noticed the past and present federal lawsuits in relation to violations of the Fair Debt Collections Practice Act.

I hope that a positive resolution will result from my direct communication in regards to this alleged debt. I.C. Systems have XXXX  days to respond to this request of verification and forward all required requested documents via US Certified Mail. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

In XXXX I cancelled a XXXX account with authorization from a XXXX employee. The reason for cancelling the plan after several years of service was because there was no service in the area I lived in even though I paid for service for XXXX  years at that location. XXXX insisted I pay a disconnect fee after I already canceled the service even though it was authorized by their employee who agreed I would not have to pay a fee. I spoke with an attorney who helped me communicate with XXXX and collection agencies about the conflict, disputing the charge. Since at least XXXX XXXX  has continued to harass me for some partial payment off and on.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

I previously had an account with XXXX back in XXXX. Upon making payment in XXXX of XXXX ; my service was disconnected days later. When I called to find out why my service was disconnected ; I was informed by XXXX that it was a mistake on their end due to miscommunication between the payment processing department and the service department. They waived the reconnection fee as a result. The following month XX/XX/XXXX, the same thing happened and when I called in to find out why service was disconnected I was given the same reason and they waived the reconnection fee again. The following month after that XX/XX/XXXX ; the service was disconnected again days after payment was made for the third time in a row and at that point I did not call XXXX back to reconnect the phone as they were in breach of our contract for not providing reliable service with payments being made on the account. This is why the only outstanding debt that is trying to be collected is an early termination fee. The reality is XXXX breached the contract so if anyone is entitled to an early termination fee ; it is I who should be entitled to collect an early termination fee from XXXX. 

EOS CCA bought the debt from XXXX years later and are reporting that the account was opened on XX/XX/XXXX. The XXXX account was opened prior to XXXX and closed in XXXX. I have contacted EOS numerous times asking for them to provide a contract showing that I opened the account on XX/XX/XXXX which they have failed to respond to or provide paperwork supporting as such ( because it does not exist ). I currently have XXXX which I opened the third time that XXXX disconnected my phone after payment was already made and my XXXX account was opened on XX/XX/XXXX.
Consumer complaint received 2024-08-23
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. (GA)

I have contacted this company XX/XX/year> and the item is still on my credit report. I did not get a response from them. I asked for the debt to be validated by their company within 30 days and I have not received the letter. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Deht nor therefore any such debt in fact exists.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I been previous disputing with XXXX  and Transunion the following account XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal credit report.
Consumer complaint received 2021-04-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc (GA)

After reviewing a copy of my credit report I noticed that Collection Bureau of Fort Walton Beach are currently reporting a debt on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request validation of this alleged debt. I am requesting documentation containing a list of all charges, dates of services, including procedures given and all the fees associated.

As you are aware, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties.

I never gave permission to ( Medical Company or Hospital ) to release my medical information to this company. I am fully aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I am requesting the following : - List of fees including any collection costs and medical charges - Copy of my signature with the provider of service to release my medical information to you
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (TX)

Lockhart, Morris & Montgomery appeared on my XXXX  and XXXX credit report XXXX or XX/XX/XXXX. I disputed with the bureaus immediately and days later, the response from the agencies " debt valid. '' I then submitted to the XXXX  and asked them to contact my phone and this was refused. Too many unanswered questions with this I requested validation XX/XX/XXXX and confirmation of delivery XX/XX/XXXX.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting Act the below accounts has violated my rights : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I took advantage of an offer Chase Bank provided via their Ultimate Rewards Program and exchanged XXXX credit card points for a brand new XXXX XXXX XXXX XXXX valued at {$320.00}. I received the XXXX on XX/XX/XXXX and in XX/XX/XXXX, I noticed the XXXX display would not turn on and took the item to the Genius Bar at a local XXXX XXXX. The XXXX employee performed a diagnostic test on the XXXX and stated that the issue my XXXX has is related to a manufacturing defect. As the XXXX is less than a year old, it would still be covered under XXXX 's limited warranty, which would allow for a free replacement. However, they checked the XXXX 's serial number in their system and saw it is actually a refurbished item, as such, XXXX 's limited warranty would no longer be applicable. 

Subsequently, I contacted the Chase XXXX servicing center to report that they had erroneously sent me a refurbished XXXX when I had paid for a brand new item. Because of this, I can no longer benefit from XXXX 's limited warranty and would need to pay for the full cost to repurchase a brand new XXXX since the item they sent me is now defective. However, the representatives and their managers at Chase XXXX servicing center repeated told me that they do not have the power to help me as I have had the XXXX in my possession for longer than 7 days and refused to hear my complaint that Chase had misrepresented the promotion offer and sent me a refurbished item while charging me for a brand new product. I had also tried to contact customer and card services at Chase to no avail. I was then referred to Chase card services where I tried to file a claim with a supervisor to be compensated for the points that I used in the redemption and received a letter today stating that I will have to contact Chase XXXX servicing center for a resolution, the same department that brushed me off originally claiming the matter is out of their hands.
Consumer complaint received 2022-09-21
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. (OH)

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 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 an 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 2022-12-15
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. I HAVE TRIED TO FIX THE PROBLEM SEVERAL DIFFERENT TIMES. 

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 An 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 LATE FOR ANY PURPOSE. 

I HAVE SUBMITTED MULTIPLE FTC REPORTS, I HAVE SENT IN SEVERAL DISPUTES. IF THESE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT I WILL HAVE TO SUE TRANSUNION {$1000.00} PER EACH VIOLATION ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT DELETED IN XXXX BUSINESS DAY I WILL START THE PROCESS.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect information.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a XXXX XXXX vereran and current member of the XXXX XXXX XXXX. I have been banking with Navy Federal Credit Union for XXXXour years without issue. This past week Navy Federal Charged me 12 NSF fees of {$29.00}. {$340.00} of fees in less than a week. I emailed them constantly about why I kept being charged with money in the account, I have overdraft protection. They took DAYS to respond to me. They refunded only three of these charges. This has destroyed me financially. The NSF notices never say who the charges are coming from only the amount. They are very very slow to respond to any messages. They are predatory and were already forced to settle a class action lawsuit for predatory overdraft fees.
Consumer complaint received 2021-09-07
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. (SC)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I issued a payment to Citibank for {$9000.00}. This was 1/2 of the balance owed on my Executive Mastercard. I then received a letter from Citicards that they would not be renewing my card after the XX/XX/XXXX expiration date. I have paid the card down in order to refinance my home, needing to open up my available credit and reduce my debt in general. I have never had a late payment with them and I feel this an outrageous breach of their duty to me and this action is an unfair and unbalanced reaction to the COVID 19 crisis and not to do with anything I have done as a cardholder. I have asked them to re-evaluate this decision as it impacts my whole family and our economic health going forward in a grave way and was told they would not until after it expires.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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