davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Hello! I graduated in XXXX. Months prior to graduating, I requested to consolidate my 8 private student loans. XXXX XXXX, at the time, told me I had to wait til I graduated to our so. Upon graduation in XX/XX/XXXX,  XXXX XXXX told me they NO LONGER consolidated. I participated in forbearance after forbearance because the amount requested that I pay was over 1200 a month and I worked as a XXXX XXXX XXXX. In XXXX, I lost my job and was given NO relief. I would send {$50.00} a month just to pay something and my credit suffered tremendously. My struggle/fight with XXXX XXXX began in XXXX and still goes on today. My credit remained effected from XXXX til literally last year, even though I was making my monthly payments. A few years ago, I actually hired a company to help me fix my credit and deal specifically with XXXX XXXX/navient.For the past 6 years I have worked for a XXXX XXXX and have had to report my credit problem specifically with XXXX XXXX because you must keep your credit score at a decent level to maintain your job. Even in getting this job 6 years ago, I had to write a letter to the agency that I 'm currently employed, explaining why my credit was so terrible. And it was all having to do with XXXX XXXX/navient. They were able to investigate what I stated in my letter and found truth in it and waived the credit requirements and offered me the job. I am writing to ensure that I am included in the lawsuit being filed. I 'm not sure what documents that I have but I know I have dealt with you all in the past. My last name may have been different at that time. And I 've also had dealings with the " financial advising '' third party company that supposedly woed with XXXX XXXX and would help me and woukd recommend payment plans, etc. I spoke with them, told them my situation and they stated that there was NO WAY YOU WOULD BE ABLE TO PAY WHAT THEY ARE ASKING WITH THE BILLS YOU HAVE. well, I spoke to XXXX days later and that company allegedly reported the exact opposite and that was well able to pay what XXXX XXXX/navient was asking. Please let me know what documentation is needed. I 've been dealing with this for so long I 'm not sure all that I have. But I truly want to be part of the lawsuit. I 've even through the ringer with XXXX XXXX for too long and have been through too much with them in XXXX and even up to now.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

Hello, Late last year, Charles Schwab began running a promotion for a certain number of existing account holders, where they agreed to offer a {$200.00} bonus if you met the terms of a promotion. Specifically you needed to enroll in direct deposit and receive {$2500.00} in direct deposits into the account. Being that I received previously amazing service from Schwab, I thought this would be a great incentive for me to begin my checking relationship with them and make them my primary bank. I chatted in to see if I was eligible, and was told that I would be eligible for the promotion if I met the terms and conditions, and would be sent confirmation of the promotion to my email ( which is attached to this complaint ) I then followed through and set up a direct deposit for {$2500.00}, which went into the account. I then chatted again with Schwab to confirm that the terms had been met, and was told by new representatives, that my account was not " targeted '' for this promotion, even though I was sent confirmation and told that I would be eligible originally. They stated they would reach out to their marketing department to have them reach out to me. About 2 weeks later, someone from the marketing department called during a really inconvenient time, and left a voicemail asking what my " intention '' was for the account. This was really inappropriate given what I had communicated, and led me to feel that I would get nowhere directly through Schwab. Schwab presented me with a legal offer that was fulfilled from my end of {$200.00} for {$2500.00} in direct deposits. After completing the terms of the offer, Schwab then stated that they made a mistake in telling me I was eligible, despite the fact that I had already completed the actions, and refused to honor the offer. Instead of honoring the offer, they then had a salesperson call to find out my " intentions '' of sales, rather than address the issue directly. My original intention was to make Schwab my primary bank and roll over an old XXXX ( XXXX ) because of this promotion, but after the way this has been handled I am deeply upset at how they do business, and would like to have the CFPB enforce the agreement that was presented to me
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Below sent to Bank in PDF letter To whom it may concern, on XX/XX/XXXXI got an alert via email that a debit of XXXX from a XXXX XXXX in XXXX, FL came through my chase checking account at XXXX XXXX. I was confused as I was home in XXXX and never go to a XXXX XXXX. I immediately called the Chase customer service number provided n the email, once connected I begged the rep to cancel my debit card, only to be passed to another rep who asked me the same questions. During the inquisition two more debits came through my account from a XXXX in XXXX, at this point I begged the rep again to cancel my debit card. Finally he did, but to late as nearly 1000.00 was out of my account. A claim was filed with the fraud department with chase. Keeping in mind this all started at XXXX XXXX. I was assured it would be investigated and researched with these merchants. I looked up the XXXX store number indicated in the debit transaction, I was able to file a loss prevention claim with XXXX XXXX. The store manager for that location did verify my debit card was processed for two amounts of 400.00 plus, when he checked with his front desk clerk, she confirmed someone purchased gift cards? He said once the police or my financial institution contacts the store, he would provide all information and video footage. To my surprise and dismay, no investigation or research was done by Chase. I received an email on XX/XX/XXXX stating the money would not be credited to my account. I called the claims line immediately and was advised it didnt warrant research. After begging and crying the rep re-opened he claim to a higher level. Then notifying me via letter on XX/XX/XXXX it was denied again. I myself called XXXX XXXX who confirmed chase has never investigated. I am disgusted that as a customer this is how I am treated. I live in XXXX and have never had any transactions in XXXX, in addition who spends nearly 1000 at a gas station? Also you have proof I was on the phone with your reps during the two transactions. I have the right for this to be researched properly.
Consumer complaint received 2024-11-06
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)

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  Account Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations.

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of
Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX, are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account.


In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. I anticipate prompt deletion [ XXXX  ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-19
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. (MD)

Not really sure about trans union credit scoring compared to the other 2 credit bureaus, they have the same things, same dates, same information, yet they are almost XXXX points different with XXXX, and XXXX on XXXX, there 's not difference on all three reports, same information, I called transunion and was told it 's a different scorning system. The problem is I have tryed to get financing and all the vendors use transunion, it 's affecting my livelihood, there should not be that much different in the scores, you ca n't have a A rating with one a B with another, and a F with transunion, they have to be some what close, I understand there might be some differences but not XXXX and XXXX ... they would not answer my questions, and told me it 's not there problem and nothing they would do about it, my score has dropped from a good score to a XXXX in the last few months with no reason..all they had to say my name had a XXXX on it and I told they I am not a XXXX, they would check and let me know by mail that 's was over 45 days ago, but no help on the difference on the credit score, I am going to talk to a lawyer about this my credit is very important to me as I am self employed ... HELP
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

My original loan was $ XXXX in XXXX with XXXX XXXX. After graduation I was not making enough to repay the loans so I deferred and had many forbarences, continuing to grow interest. Fast forward to XXXX, my loans have doubled. I went back to school in XXXX because I was still not making enough to repay the loans, {$600.00} per month is what was required. I am no longer able to defer or go into forbearance. 
XXXX XXXX XXXX claimed they would consolidate/refinance my federal loan and had this GREAT offer for me! Income driven repayment {$54.00} per month the first year, it would gradually increase over the years, and by the XXXX year the rest of the loan would be forgiven. They sold my loan to XXXX, turns out it was a 20 year loan and nothing will be forgiven. The person who set this up, XXXX is his name, lied to me, and I trusted them. 

Now, I still have $ XXXX with Navient. I am currently on income driven repayment at {$240.00} per month. Next year that will go up. I am still barely able to make these payments. 
I tried looking into the lawsuit against XXXX XXXX XXXX, and tried to get in on that class action lawsuit because I fit right in with that group of students who were promised a large salary job and it never happened. 

Any help or advise I can get will be greatly appreciated! 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (NJ)

I'm unaware of this debt. I wasn't given an opportunity to to dispute this debt. didn't receive any proper notification in regards to this debt. This debt also violates the Hippa Law. If you feel you've given me and or sent me the proper notification regarding this debt please send me a certified copy of proper notification and receipt with my name on it and signature. also provide the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent
Consumer complaint received 2018-01-19
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. (MO)

A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Consumer complaint received 2018-01-19
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. (FL)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. I have included copies of my credit report showing the inaccuracies that I need updated and removed from my credit report need updated to paid as agreed. I was never XXXX days late XX/XX/XXXX for XXXX XXXX # XXXX Balance {$70.00} Open XX/XX/XXXX I was never XXXX days late XX/XX/XXXX or XX/XX/XXXX for Capital XXXX accnt # XXXX Balance {$400.00} Open XX/XX/XXXX I was never 30 days late XX/XX/XXXX for XXXX XXXXXXXX accnt # XXXX Balance {$910.00} Open XX/XX/XXXX I was never XXXX  days late XX/XX/XXXX or XXXX days XX/XX/XXXX for XXXX XXXX accnt # XXXX Balance {$9000.00} Open XX/XX/XXXX there are many other inaccuracies showing with this account. I was never 30 days late XX/XX/XXXX on XXXX XXXX accnt # XXXX {$6800.00} XXXX XX/XX/XXXX there are many other inaccuracies showing with this account. I was never XXXX days late XX/XX/XXXX or XXXX days XX/XX/XXXX for Self # XXXX Open XX/XX/XXXX Balance {$1400.00} XXXX dispute XXXX account # XXXX Balance {$4000.00} Open XX/XX/XXXX inaccurate reporting dates of last activity and last payment datesXXXX XXXX  # XXXX Open XX/XX/XXXX Balance {$11000.00} XXXX XXXX  # XXXX Balance {$3300.00} Open XX/XX/XXXX XXXX XXXX  Open XX/XX/XXXX Balance {$7800.00} never 60 days late XX/XX/XXXX or XX/XX/XXXX or XXXX days late XX/XX/XXXX XXXXXXXX XXXX Open XX/XX/XXXX Balance {$5600.00} Date of last activity and date of last payment inaccurate needs to be deleted FCRA violations.XXXX XXXX XXXX XXXX $ Balance {$7600.00} Open XX/XX/XXXX reinvestigate and delete wrong dates of last activity and last payment date FCRA violationsXXXX  XXXX XXXX XXXX # XXXX open XX/XX/XXXX Balance {$14000.00} never XXXX days late XX/XX/XXXX or XXXX days late XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$170.00} Date of last activity XXXX XXXX on all credit reports and last payment dates FCRA violations delete from my credit report.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have applied for CHASE credit card and was approved. I used the card for a month or so and next thing I know after I logged in to my online banking that my account was closed. It is completely understandable that each party can close the account at its discretion but reasonably. I called the customer service to find out why the only answer was that I would get an explanation letter in the mail. I did eventually get a letter that explained that the account was closed to to previous unsatisfactory relationship. I called again to figure out what was unsatisfactory about my overall relationship but never got a response. I am under impression that my race ( I am of XXXX descent ) played a role in their decision making as I have never had unsatisfactory relationship with Chase. If I had unsatisfactory relationship my account would have not been approved in the first place. I tried looking for some answers by googling and searching on forums but could not find relevant information. Up until today I have not been provided with at least some details as to why and how my relationship was unsatisfactory with CHASE.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-01-19
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: EQUIFAX, INC. (MO)

A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Consumer complaint received 2018-01-19
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (FL)

A debt in the amount of {$3000.00} from National Credit Systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company [ National Credit Systems ] by mail to ask for validation for this debt and the accuracy of the amount. I received a response back on XX/XX/XXXX. The company replied by sending the transaction history and the initial lease. ( see attached ). The initial lease was dated XX/XX/XXXX to XX/XX/XXXX ( Dates are wrong on the lease also ) I am being billed a termination fee of {$1100.00}. My move out date was XX/XX/XXXX. Before I moved I notified the then Manager of the property ( XXXX XXXX ) of my intention to vacate the property well within the 30 day in advance time frame so as to avoid the termination fee as per their agreement I was on a month to month basis since no lease renewal had been signed after the original lease. I have also spoke with the apartment complex to verify this amount as inaccurate but they have since changed management.I have made several attempts with the new leasing office to obtain verification of the amount and have been unsuccessful as all I am told is they are under new management I have also disputed this with the Credit Bureaus and National Credit System confirmed the debt as accurate.National Credit Systems did not contact me regarding this debt before placing it on my reports.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX 2017 by balance was XXXX. I sent Capital One a payment of XXXX dollars. This would bring by balance owed to XXXX. I then noticed charges that brought by balance over my card limit to XXXX!. I contacted them and my card was refunded to XXXX. I requested a check not thinking much of it because I figured they new what they were doing. By balance then increased up to XXXX, then down to XXXX, now its back to XXXX. Over 10 hours on the phone and I am still not done with this, I since sent tin payments of XXXX, XXXX, and now XXXX to cover what I do owe them. I don not want my credit ruined but I also should not have to pay any more for there mistakes.