davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number ( XXXX ). Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.
Consumer complaint received 2018-07-18
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. (TX)

I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.
Consumer complaint received 2018-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Today ( XX/XX/XXXX ), I looked at my bank statement and realized that Navient had taken {$1200.00} from my account. This was to my surprise because my Rate Reduction Plan amount was {$660.00} and it didn't expire until next month. I checked my emails from Navient and 3 different emails confirmed that my 1 ) My Rate Reduction plan didn't expire until the end of this month, 2 ) My monthly payment was scheduled for the {$660.00} amount, and 3 ) I had until XXXX to renew my plan or the original amount would be taken out. I immediately called my bank to see if they could stop the check, but they said I had to go to the company. 

I called Navient and explained the situation. I'm XXXX looking for work and I live in XXXX. I can't afford rent let alone my student loans. My father, who is the co-signer helps me but he has his own responsibilities, so he can't really afford to help me much either. Thank XXXX I had enough money to cover them taking it out, but normally I don't which means that had it been a normal day, I would have been screwed. This time of the month is when all of my utilities and credit card payments come out so usually I only have $ XXXX {$500.00} left over. This could have caused overdrafts and I would have had to scramble for money. 

When I called Navient they tried to lie and told me that my plan had ended and that's why they charged me. I immediately told them that that is not true and I have documentation to prove otherwise so them taking the money is basically stealing and illegal. They said that they can reverse the check but I'd have to either wait 10 days or provide a bank statement to show them that it was taken out. No sorry or anything. Just that. I was still very angry because I didn't feel like they understood the severity of their actions. I asked to speak with a supervisor because I didn't feel like that was enough. The supervisor, who seemed to have no feelings at all, said that they can file a complaint and add it to my record. I said you could have devastated my life by taking that money out. That's all you can offer is a filing a complaint. You guys are ruining lives out here. She said, " I'll file that complaint for you and I hope you have a nice day. '' Navient is out of control. They know that they are a shady business and do illegal things but they try to hide it or act like they've done nothing wrong. I have plenty of documentation to show that they should have only taken the {$660.00} out of my account and nothing else. So they stole money from me. They need to be shut down.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-07-18
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. (TX)

I have been disputing this account with Experian for over the last 8 months and sent certififed letters and documents to prove these accounts have been reporting inaccurately. XXXX XXXX XXXX has 3 seperate loans XXXX XXXX, XXXX has purposely violated my rights as a consumer by reporting false, reaging accounts and intentionally keeping my credit worthiness low. I have asked repeattly per my rights as of setion 623 of FCRA asking for validation and proof of these inaccuracies. Everytime they have came back verified. Well if that were so then how come I am able to show errors.

EXPERIAN IS REQUIRED TO DO THE FOLLOWING : ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Which they have failed to do.Please see attached EXPERIAN is showing that the date opened on the loan was XX/XX/2014 holds a balance of XXXX it has no high balance but is showing refinanced and closed. has no past due balance or monthly payment. 

XXXX XXXX XXXX HAS PROVIDED ME WITH A COPY OF PROMISSARY NOTE THAT STATES 1. Orginal loan amount was on XXXX. 
2.Payment XXXX made 3 payments in full. WHERE is XXXX? how is it they are reporting XXXX on paid as agreed. 
with XXXX previous balance.?????? Yet experian reports 3 different balances on closed accounts with past due?? how was this verified with a BLINDFOLD?

I HAVE BEEN REPORITING THIS AS INACCURATE FOR MONTHS WITH LIES OF VERIFIED. I HAVE EVERY RIGHT TO BE UPSET WITH THIS AND THE FRURSTRATION THIS HAS BOUGHT ME. DELETE THESE ACCOUNTS PLEASE SO I CAN MOVE ON WITH MY LIFE.
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Several attempts made dispute XXXX XXXX with all 3 bureaus from the time frame of XX/XX/XXXX to present. All agencies responded that the account was verified. I then requested each agency provide physical proof of verification that was used to verify account as of date no documents have been received as of yet. I went a step further to request directly that XXXX validate the collection account reporting on file. This request was sent certified mailed confirmation shows it was received XX/XX/XXXX. However as of date XXXX has failed to validate debt, respond to my request and they continue to report inaccurate information that I have no knowledge of.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I had a card with XXXX XXXXXXXX XXXX XXXX  XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
EXPERIAN, XXXX XXXX, AND XXXX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002till present. 
As a XXXX XXXX I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance. 
They have defamed my character with false reports. 
Credit card companies will not approve me.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had a card with XXXX XXXXXXXX XXXX  XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

I am currently a navy federal account holder. Ive been with navy federal since XXXX. They have been charging me over draft fees even tho I have over draft protection. Of course I paid it but that isnt fair.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
Consumer complaint received 2018-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WY)

On XX/XX/XXXX i was informed from my parents that Navient loans from the department of education called. They left a voicemail stating that i was past due on payments from their department ; stating that i was supposed to start making payments the beginning of XXXX. I am in the military ; when i left for the military it was in an agreement that i would be on an XXXX XXXX military deferment until XX/XX/XXXX. Since being in the military i have taken college courses paid for by the XXXX XXXX. Being that i have taken college classes, Navient reactivated my student loans. I never received any mail from Navient. They said they have sent me multiple emails, emails which where being sent to an email used by XXXX XXXX XXXX College ; which i no longer have access to. After receiving the voicemail on XX/XX/XXXX I called Navient immediately. They fixed my missed payments and put my account on hold until XX/XX/XXXX. The next day I checked my credit score,  seeing that my score dropped from XXXX down to XXXX, due to 90 days missed payments. I called Navient customer service, explained the situation. Then I was transferred again to the military department within Navient. I again explained my situation with the credit report, not receiving emails, only receiving the one voicemail left on our home phone number on XX/XX/XXXX. The customer service representative gave me the run around and said, there was nothing they could do to fix the issue once reported since it was accurate information. Now i am seeking help to solve this issue. If I knew student loans opened after taking XXXX  college courses, I would have made sure to pay them on time and not miss any payments. Since I was never notified effectively, I could not ensure that this was taken care of.
Consumer complaint received 2018-03-29
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. (FL)

Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.
Consumer complaint received 2018-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC (TX)

In XX/XX/XXXX I called the automated line with Continental Finance to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through XXXX that my Continental Finance had reported me 30 days late. I immediately called Continental Finance. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and Continental Finance stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called Continental Finance and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to Continental Finance without any luck.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

This number called me today. ( XXXX ) XXXX and I kept asking them who they were and what they wanted. They would not identify the type of company they were with and what they were trying to do.It was only after a XXXX search that I found out what type of company they are. they repeatedly refused to identify the company. They kept asking for my by my maiden name and I kept telling them that it hasn't been that since XX/XX/XXXX. i got married in early XX/XX/XXXX. They wanted me to give them my social security number and I kept telling them that I was uncomfortable giving them that information. I kept asking them why they needed it and they said they had received a file on me but would not tell me what kind of file or even hint what it pertained to. So, they then asked me to confirm my address and I said no again that i was no comfortable giving them my info as they might want to use it maliciously. They then said that they had 3 addresses for me and one of them is my current address cause he said the street name. He then kept calling me by my maiden name and I kept telling them that there was no one here with that last name. They kept wanting me to give them my social and address but would not identify themselves and I told them that they were breaking the law by not disclosing that info. he said he would try again later and as I was trying to tell him not to call me back he hung up on me. i spoke to two men, one of whom said he was a supervisor.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.
Consumer complaint received 2018-03-29
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. (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT XXXX XXXX
Consumer complaint received 2018-03-29
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 CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT XXXX XXXX