davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

Ive tried on numerous times in the past- so many times ( can be verified per my Navient and XXXX XXXX account ) to negotiate with either Navient or XXXX XXXX in regards to lowering my interest rate. Ive also attempted many times to apply for programs ( IBPR/ is one ) that would help me pay off my account, To no avail - I was told for 2 years they could not find my account???!! I need to negotiate to the lowest payment ( minus all the accrued interest ) and pay this loan ( consolidated now ) off before I retire. HELP me.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (ID)

They are trying to pend me to a debt that is not mine I had them send me a copy of document to prove it is me that they have. The signature if not even correct also haven't lived in that address in like XXXX I have a reason to believe its an ex friend of mine that has added me who ether works there or just decided to add me. I have no relationship with the company what so ever!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocay group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. company transunion. please delete the following accounts. XXXX XXXX {$460.00}, XXXX {$460.00}, XXXX XXXX XXXX {$520.00}, XXXX {$3500.00}, XXXX {$1200.00}, XXXX {$520.00}, XXXX XXXX XXXX  {$25000.00}, XXXX  XXXX {$200.00}, XXXX {$990.00}
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (SC)

Netspend credit card company obtained information on my underage kid and issued her a credit card in her name solely based on the fact she purchased something online ... they have her address and full name on the card and all we have to do is activate it. Im extremely bothered by how this company was so nonchalant about the future repercussions this could have caused. I called the company and they were very limited by the amount of information they gave me ... now Im worried about identity theft for her in the future! WE NEVER GAVE THEM THE RIGHT TO SEND THIS CREDIT CARD TO HER IN HER NAME! Please investigate their practices its NOT RIGHT and are dangerous to our youth! And to be clear I have not provided her name on any of this paperwork nor do I intend to in order to protect her from further issues ... I believe if you call them you will find out very fast they send out randomly issued credit cards regardless of age!
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OK)

I have on multiple occasions submitted paperwork for a XXXX Loan Forgiveness Program to XXXX. Each time they have ignored by submission not responding in email or writing. When I call they give me the run around about why the application isn't processed and ask for more time. It is my understanding they were sued for their handling of these programs and I can not see where this has improved at all. As of today I am still waiting an answer on my third attempt to participate in this program.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, 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. (MO)

My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/2017. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/2017 that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

I received a loan from XXXX XXXX XXXX back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! Equifax report!
Consumer complaint received 2018-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.
Consumer complaint received 2018-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

We applied for re-entry permit to XXXX and paid two cheques of {$660.00} for my wife and I. The purpose of this application was to start my medical treatment in XXXX which is expected to exceed the time allowed for green card holders traveling out of USA. Our application was made on XX/XX/XXXX and cheques were written on XX/XX/XXXX. We received a letter from chase bank on XX/XX/XXXX by post, the letter dated XX/XX/ stating that our account has been closed for the reason that we did not provide information they requested. There was no prior intimation or information given to us about closing our bank account. 
The aforementioned letters requested our social security numbers as well as the XXXX forms. These were filled and sent out immediately by the return envelopes provided. There was no delay in response from our side. The bank also took copies of our social security cards when we opened the account. It was a joint account for both of us. 
Due to this negligence, our checks were bounced and XXXX has now rejected our application with the reason that the check was returned by my bank. Despite maintaining the required balance at all times in our account and adequate available balance in our account whilst writing the cheque, our accounts have been closed causing a delay in my medical treatment and prolonged the pain in my XXXX. We will also have to return to the USA midway through my treatment and then travel back to XXXX to complete it. 
Implications of this closure. 
1. Delayed medical treatment and failure of our plans 2. Damage to our credit 3. Extra cost of 2 plane tickets due to increased travel 4. Penalty of {$61.00} paid to XXXX for their service fee We request you to please look into the detail of this matter and take the appropriate action so that other customers do not suffer due to this unprofessional behavior of the bank. Also, I request you to compensate us for the losses we have to bare due to banks irresponsibility.
Consumer complaint received 2018-01-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX and Transunion reports immediately.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A few weeks ago I went into XXXXto buy some products for the holidays. It was the time when i fist decided to start my credit and I only knew so little about it. So I went in around XX/XX/ to purchase some products, the sales representative didn't seem like she knew how to ring the cash register up ( I believe she was a new employee with minimal experience ) and I bought some makeup. I paid {$30.00} for a products I went in a few days later to refund and make a purchase for a cheaper version of the product I had previously paid for the day I went back was XX/XX/XXXX. I even waited a few days later for it to show up on my account. The refund should have been {$10.00} dollars. That same day I paid extra {$9.00} for a separate product so I initially thought the {$10.00} they would have returned to me would show up a few days later it did not. So the refund never showed up on my account after i had paid it. My resolution at first was to ask my credit card company ( Capital One ) to help me get a refund. The mistake that was made is they did not refund me for the right amount. So my credit card company charged me for the full amount. When my card charged me for that I had already exceeded my limit and my plan was to pay everything in payments and on time, remember this was my first month owning a credit card. My commitment was to pay everything on time so it wont affect my score. Here is the thing, since I had spent all the money on my card I did not plan on spending anymore since it wouldn't be possible to go over my limit. XXXX 's ended up re billing my card and since I exceeded my card limit ( {$300.00} ) it brought my balance to $ XXXX I don't understand why but it devastated my score very bad and now my score is XXXX. Now my score is very poor and I can not apply for other cards to improve my performance or help me get ahead in life with a good credit resume. I am desperate for help. I do not want to start my credit out like this. Despite the mistakes done I have not had any bad history with my credit and since I am fairly new and wanting to commit to building good credit I don't think I deserve this. I don't think when they re billed me that it wold affect my score. So far I have been making payments and least once or twice a week to see if it can help my score but they way they took the money out affected my future because I was aiming for the best now this unnecessary road block brought it down
Consumer complaint received 2018-01-26
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: LEXISNEXIS (FL)

they deleted some of the false fraud claims but not all the ones they left two out that where in ohio where i never lived here is the police report and the two claims that they need to delete from XXXX XXXX and XXXX CLAIM 1 Claim Date/Age : XX/XX/XXXX ( 02yr - 04mo ) XXXX  File # : XXXX Company : XXXX XXXX XXXX   Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$25000.00} BODILY INJURY CLOSED {$65000.00} COLLISION CLOSED {$26000.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 2 Claim Date/Age : XX/XX/XXXX ( 04yr - 03mo ) XXXX File # : XXXX Company : XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX VIN : XXXX Disposition : DAMAGED PAYMENTS BY CLAIM TYPE Amount Type Status NaN COLLISION CLOSED Additional Info : N/A
Consumer complaint received 2018-01-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (CA)

I suspect that XXXX XXXX XXXX may be involved with the VA in obtaining the names and addresses of veterans to solicate VA loans. Other than the military only the VA knows I am a veteran but per a letter I got from New Day last week they seem to know it as well. I have never had a VA loan.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P&B Capital Group, LLC (NY)

I closed my XXXX  's account in XXXX 2012 after returning faulty bedding, Sleepy 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX  's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I filed for bankruptcy in XX/XX/. In XX/XX/, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.
Consumer complaint received 2018-01-27
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)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX`s account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX`s account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX  / XXXX / Walmart / XXXX XX/XX/2017 Attempting to collect a Charge-off account NOT in my name. 
I requested them to verify the names on the account which is NOT my name. but they still have it on my credit report. 
the amount is {$1400.00} for the fake XXXX account. 
the amount is {$1800.00} for the fake Walmart account.