davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (VA)

My identity was stolen in 2012 to open a utility account. Penn Credit Corporation ( debt collection agency ) stated that they needed a copy of my license, proof of residence ( lease ), and XXXX Police Report in order to have the account removed from my credit report. I provided them with everything that they needed and they still have not removed the item. I have already disputed the items with the credit bureaus. I will attach the documentation they requested to this form if allowed.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian ARG Inc. (CA)

log of recent calls : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company calls many times weekly to collect a debt for someone i do NOT knowthis is my cell number i have had for over 2yrs i have asked numerous times to remove and stop calling me and they hang up on me and continue to call, the name of the company is cambridge assest management they say that this debt is being properly served for someone named XXXX XXXX? spelling and they give a case number as XXXX
Consumer complaint received 2017-08-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

i was called on XXXX/XXXX/2017, by Midland Credit Management from the phone number ( XXXX ) XXXX a woman asked for my son XXXX XXXX. I told them he does not live here. They asked if they could call me back. I replied " No ''. The lady asked me a second time if they could call back. I again said " no ''. Then she asked me a third time if she could call back. I shouted at her that I had said " no ''. I asked how many times I had to say no to her and for her not to call me back?
I was contacted by my former employer on XXXX/XXXX/2017, that XXXX XXXX had called the business asking for my son. I consider this harassment. I told them not to call me anymore so they called my former employer. The woman on the phone told him her name was " Heavenly ''. She said it regarded a personal business matter. Her phone number is ( XXXX ) XXXX. Extension XXXX.
I am a third party. This debt has nothing to do with me.
Consumer complaint received 2017-08-11
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. (TX)

I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : 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
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/17, I noticed a Misc Debt from my checking account, I have it set up as also direct Deposit, court order, for my Ex husband, he is not a authorized user on account. For monthly payments. I went to the XXXX XXXX, Nj bank, and they internal search, XXXX was Able to track it down at another Location, funds were being taken out, I never received a letter from the Bank or call, saying it was being Taken back out. This was done at another location with a withdrawal slip, at a teller booth. At first they said someone used by debt card and I took it out. I find this to be poor business handling in the Finacial Institute.
They said they would call me back, nothing yet on wht happen, I m afraid this person going to go back into my account. For they blamed me first, until they realized.
Consumer complaint received 2017-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
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. (CA)

This is very upsetting, my credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected which has negatively impacted my life.
Consumer complaint received 2017-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union ( NFCU ) still has not validated the debt that they believe I allegedly owe.
I attached a document of proof with this complaint. One or more of these deposits were stolen from my account by NFCU when NFCU restricted my account. When validating the debt, NFCU needs to explain where those deposits went.
Also, NFCU continues to report unwarranted/ inaccurate, negative, defaming and derogatory information on my major credit reports. I have continuously asked them to remove the information but to no avail. Another complaint here is that Navy Federal Credit Union ( NFCU ) still has not paid me redress for illegally restricting my accounts during XXXX-XXXX in accordance with File No. XXXXXXXX-XXXX. I ask again that NFCU remove all inaccurate, negative entries from all credit reporting agencies for reasons stated below : NFCU unfairly restricted access to my accounts. By NFCU restricting access to my accounts, I did not have the same opportunities as other NFCU members to view, update, and address fees that may have been applied to my account. As such, any fees or late notices that were applied to my NFCU accounts during this time should not have any bearing. This includes all late entries and charge-offs on all of my NFCU accounts that are currently documented with all major credit reporting agencies.
Also, NFCU stole my VA XXXX payments that were given to me by recurring, automated deposits. NFCU used it to pay on credit card debt without my permission. I could not stop the automated payments because ( 1 ) my account was restricted so I could not transfer the money out of my account and ( 2 ) because it takes/took two months from the time the VA was notified to stop recurring payments from going to my account and switch it to another. According to the Department of the Treasury, taking any VA XXXX XXXX from a XXXX is illegal. For redress, I simply ask that NFCU remove all negative entries from all my major credit reports.
Consumer complaint received 2017-08-11
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. (OH)

I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.
Consumer complaint received 2017-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (CA)

This complaint is regarding a collection agency company, CBE Group, XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX. The debt is from XXXX XXXX XXXX, in the amount of {$160.00}. On XXXX XXXX, 2017 I got a noticed from XXXX stating that CBE has placed a collection in my account, regarding a debt that I had through XXXX XXXX XXXX. But the issue here is that, I was never given a notice in the mail, or email by CBE Group. Nor was I given a phone call. CBE claim that they sent me notice of the debt, but it was sent to the wrong address., and CBE admitted the mistake they made. The bottom line is that, I did n't know anything about this debt, being sent to collection agency. Nor had I any knowledge of it whatsoever from CBE. Had I gotten proper notice of the debt, I would 've paid it immediately, but it was put on collection and posted through the major credit reporting agency, such as XXXX, and now my credit will be immensely affected in a negative way, all because of the mistake that CBE made. Although I paid the whole debt immediately once I found out through XXXX, I 'm still in a lot of stress because it will impact my credit worthiness. It is n't my fault, it 's CBE 's fault that they did n't follow the law, CBE failed to send me written notification of the debt. CBE group di n't follow proper laws and procedure, now, I must suffer due to their mistake. The CBE agent I spoke with said that it will be remove immediately from XXXX, XXXX, and XXXX,. But somehow, I find that hard to believe., nor do I trust CBE.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Around the time of XX/XX/XXXX-XX/XX/XXXX I had experience fraud or scam activity on my account which were mobile deposits of {$470.00} ( Honestly forgot the amount but I do know it was 4 something ). I called Wells Fargo to figure out where was the activity coming from and they said they would help figure out where it would be coming from. The accountants at the Wells Fargo brach asked if I shared my mobile banking info. My Answer was No I NEVER do that. I knew something was odd about it because no one ever sends me mobile deposits but my Uncle & when he does transfer me funds it says his name, implus he barely sent money to me around this time. When I saw the weird amounts pop up I automatically gave my bank a call. Ive had them for months & experiences horrible service from them, there would always be money talking out and much more. Just would like this situation resolved.
Consumer complaint received 2017-08-12
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: HW Holding, Inc (GA)

I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : Hunter Warfield Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.
Consumer complaint received 2017-08-12
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: Navient Solutions, LLC. (CA)

I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by Navient this year that 5 of my loans with them have become active for payment. I started a payment plan with Navient on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XX/XX/XXXX of each month. Navient is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time Navient responds with no changes made. I have sent written request via registered mail to Navient asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from Navient. I have depleted all of my options and I am very frustrated. Navient is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Consumer complaint received 2017-08-13
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. (MA)

I have been unable to access my experian credit file via XXXX for the past couple years. I receive a message state to call an XXXX and they will mail one, which the have. Once I receive this completely inaccurate report, I have returned to experian 's website to dispute inaccurate information and I still have to access. I have mailed my disputes without a response on 2 separate occasions, I have made phone calls but after waiting for an hour or so i usually hang up., their website under contact us has no chat option or listed email addresses. I have done a free trail and accessed my account immediately due the possibility of profit for information required by law to come at no cost annually. I have download the experian app which states a freeze alert was place on my account XXXX/XXXX/17. After investigating how this happened on their website it states there is a {$5.00} charge for this. It is impossible to contact experian to see how this {$5.00} charge was paid. It also requires a fee to remove this freeze. I have clicked on remove a freeze alert and I am also denied access to any further information except printing out a page to fill out and mail. I am tired of trying to contact these people, I am trying to move into a new apartment and I am constantly denied due to experians freeze alert as well as information that has drastically changed i.e ... open dates, amounts owed on one account has increase a remarkable 400 % ( {$730.00} to {$2900.00} ) after disputing it with the creditor, who have also reaged the account. I feel Experian had never done any type of thorough investigation as it seems the claim the information is accurate according to the FCRA. Their failure to maintain accurate reports, do thorough investigations, as well as denying me access to my own information, while making any type of access to any type of emoloyee via phone, email, chat, and as far as I have seen US mail is illegal and is the cause of unneeded stress and aggravation. I have contacted a creditor from my report that stated they did not report false information and I need to speak with the reporting agency itself.
Consumer complaint received 2017-08-10
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. (FL)

XXXX, TRANSUNION, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

Upon my daughters graduation in XXXX, we have accrued over {$100000.00} dollars in student loan debt. All of which are through Navient and XXXX XXXX XXXX for parent plus, and sub & unsubsidized loans. We have tried on multiple occasions to apply for forgiveness or an income based repayment but each time, Navient refuses to help us, stating that we make too much and the best they can do is refer us to forbearance which we all know just increases the interest and makes our monthly payment more impossible to pay. We are now trying to pay over {$700.00} a month on these loans and we were forced to file for deferment yet again! We literally can not get these loans payed off and we do n't have the finances to pay such high interest. We called on XX/XX/XXXX to file for deferment again. When we started repayment In XXXX our monthly payment was XXXX and now 3 years later we are at over {$700.00} a month with multiple deferments and no promise of it changing nor have we received any help!
Consumer complaint received 2024-11-04
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)

The items in question are currently involved in ongoing litigation due to reporting errors on my credit report. Given their status in pending litigation, verification of the disputed errors is not possible. Therefore, under 15 U.S. Code 1681i ( a ), these items must be removed.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

I consolidated my student loans in XX/XX/XXXX ( after finishing XXXX ) in order to begin paying them off. I have been paying my student loans back now for 14 years ( currently {$740.00} a month ), have never been late or missed a payment, and worked for 9 years at a XXXX ( i.e., XXXX XXXX ), and now work for XXXX. at the XXXX XXXX XXXX XXXX XXXX XXXX where I have been employed for 4.5 years. However, I recently learned that I do NOT qualify for any student loan repayment programs since my loans are a consolidated FFELP. I was never counseled when I consolidated my loans with then XXXX XXXX ( now Navient ) about the difference between how my loans are consolidated and the benefits of a direct consolidation, which would have made me eligible for student loan forgiveness this XX/XX/XXXX. Do I have any recourse? My income is not bad but this {$740.00} a month is a huge amount that is making it hard to stay caught up and save. I feel I 've been prayed upon by these companies as I still have {$110000.00} left on my loan that was originally around {$170000.00}. 
I attended California XXXX XXXX XXXX XXXX, XXXX XXXX where I graduated with my XXXX XX/XX/XXXX. I subsequently did a 2-year XXXX and 2-year XXXX prior to reconsolidating my loans in XX/XX/XXXX. As I mentioned, I have never been late or missed a payment on my student loans, am XXXX years old, and was very discouraged when I recently realized that I do NOT qualify for ANY student loan repayment option unless I reconsolidate my loans again into a direct consolidation. Ironically, I just recently made the final interest payment on my loan. So, now just the principal is left. So, refinancing is tricky. But, if I do n't refinance, I 'll be paying {$740.00} a month until I 'm XXXX years of age. Needless to say, I am still renting an apartment as I have not been able to save enough to by a home. Additionally, after not missing my first four years of payment, XXXX XXXX ( or it may have been a different company at first but then went to XXXX XXXX and then to Navient ), my lender reduced my interest rate to 1.85 %. However, when it went to Navient, my interest rate somehow jumped to around 4.3 %. It is now back down to 2.75 %. Please help if possible. 
Thanks.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (FL)

EQUIFAX, XXXX, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Consumer complaint received 2024-11-04
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. (KY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions