davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NJ)

Navient has been a huge problem, this morning they called my home at XXXX demanding a payment of {$100.00}, plus over {$900.00} in late fees, when I visited the website today it shows and outstanding balance of {$27.00}. First, why do we have people from other countries ( XXXX ) handling matters of student loans? Second, when I made a payment in XXXX I was told I would be given until XXXX to restart payments, now I 'm being told that is not true. The person who assisted me in XXXX is from XXXX, PA, now someone from the XXXX is stating that is not true and demanding payment today, immediately as the payment is 19 days past due. First when I took these loans from XXXX, I was never permitted to read what I was applying for, it was " sign here, sign here, sign there '' no copies of anything and next person on the line. I 'm not saying I do n't owe the money what I 'm saying is that since Navient has taken over for XXXX, it seems like the amount I owe has risen, no assistance with helping me with forbearance or other options available. First, what I studied at XXXX has never, ever been put to use, I continued to earn between XXXX and XXXX a year. Currently my wife is unemployed, I pay {$1900.00} a month rent and times are difficult, yet all Navient seems to do is to call my house 3-4 times a day, leave no message, sometimes my wife answers and they hang up. I 'm tired of being mislead by Navient and the lack of honest and willingness to assist. XXXX should also be investigated for their Student Loan practices as I believe they were taking advantage of innocent students. In XX/XX/2004, I was in total XXXX ( XXXX ) XXXX and have been diagnosed with a XXXX called XXXX which can lead to XXXX, but received no assistance from XXXX or XXXX at that time and the interest just kept rising. Previously I 've been told that I have no forbearance time left and today I was told I can consolidate my loans ( which I did a year after gradutating XXXX ), I have other options. I mean this seems like a total paradox. I have all of my original documentation that was provided to me by XXXX. As well as the IBR paperwork showing I only need to pay {$77.00} a month.
Consumer complaint received 2024-11-12
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. (TX)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and auto from XXXX XXXX XXXX with a balance of {$XXXX}, XXXX  XXXX with a balance of {$XXXX}, XXXX XXXX with a balance of {$XXXX}, XXXX  XXXX with a balance of {$XXXX} ( Account # : XXXX ), XXXX  XXXX with a balance of {$XXXX} ( Account # : XXXX, XXXX XXXX XXXX XXXX XXXX balance of {$XXXX} ( Account # : XXXX ), XXXX XXXX XXXX with a balance of {$XXXX} ( Account # : XXXX, XXXX XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXX XXXX XXXX  with a balance of {$XXXX} ( Account # : XXXX, XXXXXXXX XXXX XXXX XXXX with a balance of {$XXXX} ( Account # : XXXX ), XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXX XXXXXXXX XXXX with a balance of {$XXXX} XXXX XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXXXXXX XXXX with a balance of {$XXXX} ( Account # XXXX XXXX ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (GA)

I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life. 

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OH)

Receivables Performance Management is showing a collection on my credit reports for a bill/balance due to XXXX XXXX. This is not mine, i do not have XXXX service, never had it, and do not want it. 

I previously contacted them, and issued a dispute and re-investigation per the information listed on your CFPB website, and i have heard nothing except for copies of a bill or statement mailed to me. The bill has a name that matches mine, someone with a similar name, yet i live in XXXX, not XXXX. 

I disputed again, telling the collector this info and have received no response. This appears to be mixed up, or merged by accident on my credit report. I asked the collection agency to send myself the proof they are saying verifies this, and all i get are statements. This is not mine! I never signed up for XXXX, i never allowed ti to be signed up for under my name, and i never signed a contract or agreement at any point. 

I want this erroneous account removed from my credit reports asap due to the extreme negative effect it is having on my credit score please. 


RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/2016 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$520.00} Date Updated : XXXX/XXXX/2016 Original Amount : {$510.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : XXXX {$520.00} XXXX;
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I put in a complaint against XXXX XXXX XXXX, PBCM XXXX in XXXX and I asked them in the complaint " Also before they send anything to my credit I need someone to work with me on making small payments until I am able to make larger payments because like I keep telling them I unable to make big payments because I do not make enough. '' PCMB response was " XXXX outstanding student loans were purchased by XXXX : ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4400.00} ; and ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4500.00}. 

The number that called you was from PBCM 's XXXX office. The XXXX number is from PBCM 's XXXX office, which your accounts were transferred to. 

We are willing to accept monthly payments of {$15.00} on each account provided the first payment on each account is received no later than XXXX/XXXX/2016. We will continue to accept monthly payments provided that they are made in a timely manner each and every month. In addition, the payment arrangement is temporary and will be reviewed periodically for an upgrade in monthly payment amount. '' I checked my credit on Monday XXXX/XXXX/16 and the XXXX accounts are listed as Open and in collections. I called PCMB on Monday and spoke to XXXX XXXX ( General Manager in the XXXX office ) My payments were received XXXX/XXXX/16. I pretty much explained to him everything that 's stated here he said he would pull my file and him or his QA would get back to me by the end of the day. No one called me back on XXXX/XXXX/16 so I called back XXXX/XXXX/16 and the receptionist XXXX told me XXXX XXXX was in a meeting for 15 minutes and would get back with me after the meeting. He called me back and I had to call him back due to my phone having issues. I spoke to XXXX XXXX and was informed that XXXX XXXX. ( VP of Operations in California ) would call me by the end of the day and he has forwarded all of my information to him by email. No one has called me back again.
Consumer complaint received 2024-11-13
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, Department of Education, XXXX and XXXX 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS servicer for loan XXXX is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on XX/XX/XXXX 2nd lien approval came XX/XX/XXXX ( received XX/XX/XXXX ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on XX/XX/XXXX. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. XXXX 's lender has had less than 30 days to do this loan and SLS is bulling us and threatening us to not let us close. We asked for an extension to XX/XX/XXXX but they gave to XX/XX/XXXX we asked for 2 extra days but they refused and sent a nasty email. Values are good for 6 months. Sls is sabotaging this closing because they have ego problems with in the staff. We are asking you to please get involved to help us get a normal extension period. 
Both approval letters are attached. as you know the buyers lender will not start the buyers loan until both approval letter are received by the short sale lenders. In this case the XXXX lien approval letter lagged by 11 full days so buyers lender could not start loan until XX/XX/XXXX. SLS Mtg. was told via phone conversation of the 2nd lien date of approval and are now Sls is refusing to help their investor close instead they would rather do a foreclosure. We need help please. 
Thank you
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Early in XXXX of this year ( XXXX  ) my wife was involved in a collision that resulted in our XXXX XXXX XXXX being " totalled '' by an XXXX prior to the end of that month. XXXX was notified of this prior to the end of that month and the vehicle was released to them. The following month ( XX/XX/year> ) XXXX ( XXXX ) contacted me to say we owed our XXXX payment. After discussing the issue and that our payment for XXXX was made, they agreed that the remaining balance should be covered by their XXXX  insurance policy which we had purchased thru XXXX when purchasing the vehicle. 
Approximately 2 months later we began receiving letters from XXXX that we owed a balance of XXXX dollars. I called and after lengthy phone conversation they agreed that since the XXXX  insurance was through their own company they would resolve this and I should consider the matter resolved. 
About XXXX we received more mail stating that we owed a final monthly payment on the vehicle and the remaining balance of XXXX on the vehicle. After another lengthy phone conversation with their collections and also their finance departments. They stated that they would reach out again to their XXXX  insurance department to resolve the unpaid balance on the vehicle. In XXXX I was notified by TransUnion that XXXX was reporting XXXX missed payments that had affected my XXXX XXXX. 
I called XXXX again and they stated that they had not received correspondence from the XXXX  insurance department since XX/XX/XXXX and that I should reach out to them to get the payment resolved. I reminded the XXXX representative that this XXXX  insurance was through their own company. After being put on a lengthy hold, the rep said they had contacted the XXXX  insurance and I should consider the matter resolved. 
Today I received a letter from a collection agency attempting to collect payment for XXXX for the remaining XXXX balance on the XXXX. 
After 8 months of phone calls and fighting with XXXX I wish to lodge a complaint, I'm at a loss as to how to resolve this problem. Communication with this company seems meaningless and a waste of time.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (UT)

In XX/XX/XXXX, I upgraded my American Express card from Gold to Platinum. I recently discovered an unexpected charge for " Premium Car Rental Insurance '', a service I believed I had not actively enrolled in after upgrading the card. According to American Express, my enrollment in this insurance program dated back to XXXX with my gold card account, though I had no record of receiving any ongoing notifications after my upgrade. I didn't assume this " benefit '' would carry over to my Platinum card as the Gold card members have different rights and benefits.

Upon reviewing my benefits page in my Amex account, I saw an option labeled Enroll Now for the premium car rental insurance program, indicating that I was likely not actively enrolled or that there was an error in the system. I took a screenshot of this Enroll prompt as evidence and contacted American Express Customer Care to dispute the charge. Later, I called American Express insurance agent, the agent told me I enrolled the program since XXXX, and this " benefit '' carried to my upgraded Platinum card. I explained that I saw " Enroll Now '' on my card account, I don't think I was in the program anymore after upgrading my credit card, and asked for sending me the information, but he iignored my request. 

Later, I tried to chat with an online agent and submitted my dispute, but the dispute stated my disputing " unauthorized payment '' incorrectly. Two week later, I got a denied letter. American Express still insisted I enrolled in the premium car insurance and I should pay the fee. In response, I requested an immediate reversal of the charge and clarification regarding the automatic transfer of benefits from my Gold to Platinum account without clear notification. I was informed that, despite the upgrade, the premium car rental insurance continued without my renewed consent. 

I have since canceled this insurance benefit and believe that American Express 's lack of transparency and absence of renewal reminders are deceptive practices that undermine consumer rights. I also hold alternative insurance coverage and have a XXXX XXXX card, which provides similar rental benefits without extra charges. I wound't use my Amex Platinum card to pay the car rental fee if I knew I was still in the program, and I would have cancel the enrollment earlier. Since XXXX I enrolled to the program, I never received any periodic information or newsletter to remind me as a member. 

I am filing this complaint to seek a resolution and to ensure that American Express revises its procedures to protect customers from unauthorized charges or misleading benefit enrollments, particularly in cases of card upgrades or changes in service terms.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

expect to see an original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Please verify and remove the following immediately :