davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have {$160000.00} in private student loans with Navient. In XXXX of XXXX, I worked with Navient to agree upon a rate for repayment of my student loans that was realistic for me and my income. I make {$2400.00} per month, and Navient agreed that I could pay {$690.00} a month towards my balance. I made these payments on time every month. 

In XX/XX/XXXX, my payment amount jumped to {$1400.00} a month. Since then, I have called Navient every month to determine why the payment went up so much and try to work out a solution. They have told me that my loans no longer qualify for the program I was on. I have told them countless times that I absolutely can not afford to spend 60 % of my income on these payments, and they have told me again and again that there is nothing they can do. They refuse to work with me to get me a payment that I can afford. If I continue with these payments, I will not only deplete any savings I have, but I will likely not be able to make the payments within the next several months and will be forced to default on these loans. I have tried to refinance my loans and have been denied by every provider because of my debt to income ratio. It's a vicious cycle that I can not get out of.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2020-02-18
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$170.00} -This is not my account.
Consumer complaint received 2024-10-21
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-17
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. (FL)

I was shocked to find out that my credit report suddenly has inaccurate accounts listed, and I have no clue why this happened. I check my report consistently, but this time, things didnt look right. I tried refreshing the page, hoping it was just some glitch, but it wasntthose errors were still there. Now, I need the documents I sent to be carefully reviewed so that I never have to deal with this kind of stress again.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

I have tried to contact the collector over the last several days to have items removed from my report that are not mine. The company is not licensed in the state of florida and will not remove items that are not mine, I was told they bought out a company and obtained the debt from them even though those debts were removed by the old company from my report. 

this is the email is ent this morninhg they refused to send me there lincese and legal department names ... ..... 

Please be advised that the following debts do not belong to XXXX XXXX. See attached Documents. We have several times called emailed and mailed over the last few weeks with no response by anyone to resolve. 

Today we copy the CFPB, FTC and our lawyers to come after you for {$1000.00} per debt that you wrongful and illegally placed on our credit reports. 

They are to be removed at once, Attached is the licensing agreements with the XXXX  which you are not licensed to collect debts in the sate of Florida, If this is a valid debt the following must be provided 1.the original WET signature on any contract 2.The original Creditor information 3.Payment and billing history 4.Proof of ownership and authorizing for the debt These are not my debts attached i never seen these people they must be removed
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
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. (NJ)

XX/XX/year> I noticed XXXX XXXX accounts on my Experian credit report that were not mine. 
XX/XX/year> I confirmed with the creditor ( XXXX ) that my SS # does not exist in their system. 
I asked for written confirmation via email so I can forward it to Experian and was told it would be sent to my email by the end of the day. 
Opened dispute on Experian website. 
XX/XX/year> Checked email and did not received email. 
Checked dispute with Experian and it was denied. 
XX/XX/year> Called Experian the next day to inquire why it was denied, and Experian alleged that the info was verified by XXXX. Opened dispute again. 
XX/XX/year> Called XXXX to request email previously agreed to. Request was denied. 
I received consent to record the phone conversation. Received supervisor 's employee number and verbal confirmation that I do not have accounts with them. 
I can provide the audio file.
Consumer complaint received 2022-06-24
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  acct : 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 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 state s a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XX/XX/2019. With little planning no experience in buying/owning a car. I went to a dealership, not knowing that day I would make the biggest mistake of my life so far. I was helped by a XXXX sales representative, but with no talks or reassurance about anything. I basically only remember signing papers, I had nothing explained to me. I understand was the one who signed the paper but still. Nothing was explained, no advice was given to me, nobody explained my credit score. The detail of the car I was buying. I thought it was a nice car but not for the price they gave me. I bought a brand new XXXX XXXX XXXX for XXXX. There's 3 prices on the papers they gave me. Price of the car was XXXX and the amount financed was roughly XXXX. But with the interest for 72 months it skyrockted all the way to XXXX by the end of the term. I don't know if there's anything I can do to get out of it. But I feel like I was set up, with NO guidance from my sales rep.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OK)

-Standard Purchases on XX/XX/XXXX {$540.00} XXXX Statement : New balance as of : XX/XX/XXXX {$540.00} Payment due date : XX/XX/XXXX Paid off the balance of : XX/XX/XXXX {$540.00} -Standard Purchase on XX/XX/XXXX {$8400.00} XXXX Statement : New balance as of : XX/XX/XXXX {$33.00} Payment due date : XX/XX/XXXX ( late fee : {$25.00} - interest charge : {$8.00} ). 
{$8400.00} was not on statement because close of billing cycle XX/XX/XXXX. It will be post on XXXX statement if I did not paid off on XX/XX/XXXX. 
Paid off the balance of : XX/XX/XXXX {$8500.00} ( $ XXXX {$8400.00} ) XXXX Statement : New balance as of XX/XX/XXXX {$110.00} Payment due date:XX/XX/XXXX ( interest charge : {$110.00} on standard purchase : {$6500.00} ). 
I do not know where they get {$6500.00} for interest charge? 
I have 23 days no interest charge for {$8400.00} after the close of each billing cycle.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

XX/XX/XXXX I deposited XXXX into Ally Bank Savings account On XX/XX/XXXX I deposited XXXX into All bank Savings account A total of XXXX On XX/XX/XXXX Ally froze my account when I tried to retrieve my money. 
It has been XXXX months with NO prevail. I have called dozens of times to get my XXXX back. On XX/XX/XXXX Ally closed my account and has since not made my money available. 
I was told by Ally Bank to have the original bank from where the funds came to reverse the transaction to get the money back. 
The ACH from the original bank said it was far too removed from a normal time to do a reversal of transactions. 
I told Ally the original Bank will not reverse and I still have had XXXX replies from Ally Bank to fix the issue. 
I need Ally Bank to give me my money back>>>> I do not know how to get them to reply. 
Every time I call the fraud department I am told a different story about where my funds are and how to get them back. 
The original bank from where I transferred the money said they have no legal matter to do anything. 
Ally Bank knowing this still has not responded and there is no end to this in sight. 
I have had to contact endless financial reserve companies to place formal complaints. 
I just need my money returned to me from XXXX!!!!!
Consumer complaint received 2024-08-20
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

SAGE STREAM LLC ' I HAVE FAX DOCUMENTS TO SAGE STREAM I HAVE NOT RECEIVED INFORMATION BACK FROM SAGE STREAM I HAVE MADE SEVERAL ATTEMPTS TO CALL SAGE STREAM NO ANSWER TO REQUEST A SECURITY FREEZE AND TO OP OUT, COMPANY HAS VERY POOR CUSTOMER SERVICE SKILLS AND THEY ARE MISLEADING THE CONSUMER BY VOICEMAIL LEAVE A MESSAGE AND SAGE WILL CALL THE CONSUMER BACK AND NEVER CALLS. 
,
Consumer complaint received 2023-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovate Managed Holdings, LLC (TX)

The contract was closed i do not have the truck contract was closed its affecting my credit score and i already caller the innovate loan told me to open a Dispute with XXXX and i need help i had good credit and its lowering it please help! i have proof of the first refund of the payment because contract was closed It was the dealer fault.
Consumer complaint received 2024-09-28
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (GA)

On XX/XX/XXXX I was charged XXXX XXXX  from BrightXXXX for subscription that I did not authorize I did not ever agree to a subscription I contacted company and they said they would refund they never refund and customer service was sketch unprofessional and did not have a lot of knowledge as to why they charged my account, it has overdrawn my account and caused an unwarranted hardship. I am concerned about my account and can afford any mishaps pertaining to this business. It is criminal to just take from individuals unwanted for services not purchased
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (VA)

On XXXX XXXX, 2016 I was notified by XXXX and XXXX that a debt was placed on my account by a collection company named Allianceone Receivables from XXXX, PA. According to the debt placed on my account, the original creditor was " XXXX XXXX of XXXX XXXX. '' I have never had contact with either company nor have I received mail, email, or a phone call from either company at any time for any reason. An online search found no results for the company " XXXX XXXX XXXX XXXX XXXX. '' It appears that Allianceone Receivables has created a fraudulent debt and illegally placed a debt on my credit report without first contacting me. I called Allianceone Receivables on XXXX XXXX, 2016 to discuss this issue. The automated system required that I input my social security number before I could talk to a person. Given the suspicious nature of this situation, I believe that it would be unsafe to enter my SSN into this automated system.
Consumer complaint received 2024-09-04
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. (NJ)

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

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
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX    XXXX XXXX  ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.
Consumer complaint received 2020-10-14
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: EOS Holdings, Inc. (NY)

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT