davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (KY)

I applied for the SAVE payment plan in XXXX. They now say that they can't complete my application until I pay an amount as indicated by an email and letter. I never received either of these. They are still saying I owe my normal payments that I can't afford while they continue to refuse to finish my application. I just want to fulfill my obligations and they are not fulfilling their contracted obligations to me and the federal government.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXXXXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reported negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge-off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro-consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2017-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I have been paying my loans ( two separate totaling {$25000.00} ) since i started school- small payments of {$25.00} a month during school and then payments after i graduated in 2014 of XXXX ( one at {$160.00} and the other at {$130.00} ) since then. In late XXXX XXXX i contacted Navient to try and lower my payments, because I want to pay, I just can not afford it, but they told me I did not qualify, even after going through and doing a financial statement that showed I was over {$300.00} in the red BEFORE I paid my loans with them. My parents both consign on a loan each and they both completed financial statements, which Navient said they did not qualify for loan payments being lower. They then told me that my only option was to go into forbearance and paying the {$100.00} FEE. I am now struggling with what to do and where to go- I have let my bank account get overdrawn paying them, but I am unable to move forward like this.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

Debt possibly resulted from identity theft as HRRG claims they are the servicing agent for a physicians group called XXXX XXXX XXXX that supposedly provides ER doctors for XXXX XXXX Hospital, which in reality they do not. Another physician group provides those services and another collection agency services that group, not HRRG. I made a mistake by giving this HRRG the last XXXX digits of my Social Security Number, as I had thought initially that this was a legitimate collection agency and/or company. They are trying to collect {$1100.00} on a date that services were provided by XXXX XXXX Hospital ER and they claim they are acting as the physicians clearing house for filing medical claims as well as a collection company for their clients. HRRG claims they filed insurance claims with both XXXX and XXXX XXXX insurance, insurance I do n't even own, and the claims were both denied and now they are attempting to collect a debt, that I do not owe. I have contacted every medical company and group involved in this claim and none of them do business with HRRG and none of them use HRRG for collection. XXXX XXXX Hospital billing department has never heard of them or used them. This is a bogus fraudulent claim and a scam and these people need to be shut down and go to jail.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.
Consumer complaint received 2023-05-10
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. (NC)

It indicates that my credit report has been corrupted. I was looking over my records once more when I discovered many items that did not belong to me. Since I'm a stickler for details, I discovered that under section 605b of the FCRA, you are required by law to remove and prohibit any things that are discovered to have been opened as a result of identity theft. I do not own the objects in the dispute. I have sent the FTC Report that you need ( found through additional research that both parties requested ). Please block or delete these files. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-08
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-08
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (FL)

Good Morning, My name is XXXX XXXX XXXX, I was checking my credit report and I realize there is an error with my address, please update my correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I have been repeatedly contacted and my husband as well for a family members debt even though I told them NOT to contact me. I was told I was a reference even though I do not believe that to be true and told that it gave them the right to keep calling me. I also have been told that they were " agents '' working on a case against my relative. They call my husband cell phone and my house phone which I know for a fact have not been given to them and have been obtained through other sources such as skip trace ... or something similar. I want them to stop harassing me.
Consumer complaint received 2017-09-06
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. (NJ)

I attended XXXX XXXX college in XXXX New Jersey and in XXXX New Jersey and while I was in rolled I went to school one day and the doors were shut and now I 'm stuck with a huge loan that I have to repay where I was being garnished and my income tax is taking and I am struggling to get my credit score back up I have no credit because of this and I am legally supposed to be getting it forgives but they 're giving me a hard time this company because they 're so stuck on getting repaid but I am entitled to getting all my money back because I never got to graduate and I can not get my credits transferred in the school shut down while I was in rolled I believe I am entitled to get all my money back and I want to be in a class action lawsuit against the school
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (NC)

On  XXXX   XXXX , I received a promotional offer in the mail from Navy Federal Credit Uni on ( NFCU ). It stated  that if I opened a  Go Re wards Credit Card account I could get a 2.99 % interest rate on balance transfers with no balance transfer fees. It directed me to  apply at www.navyfederal.org/go299. A fter I applied, had my credit checked, and requested to transfer my balance, I received their disclosures in the mail which said the interest rate on balance transfers was 10.24 %. I called  NFCU  to find out if 10.24 % was the balance transfer interest rate and I was told it is and that they had no knowledge of any 2.99 % promotional offer.
Consumer complaint received 2023-05-08
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. (NY)

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NY)

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( XXXX, XXXX, and TransUnion ). 

Erroneous report # 1 and # 2 XXXX XXXX XXXX XXXX Was a victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX Demands repayment of illegally charged fees as well as collection fees. Amount actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report # XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX refuses to allow dispute of this record.
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I have been on Income-Based Repayment for several years, as I am a XXXX employee, and plan to use the PSLF program. I recently got married, which ( understandably ) increased my payment. I submitted my initial Employment Verification Form in early XXXX, and my loans were transferred from XXXX XXXX XXXX XXXX to FedLoan Servicing on XXXX/XXXX/XXXX. I was paying {$610.00} a month to FedLoan Servicing. When my IBR was due for renewal, I got a letter dated XXXX/XXXX/XXXX saying that if I did not renew my IBR, my payment " will increase to {$550.00}. '' Since this number was smaller than what I was paying on IBR, I cancelled my IBR and switched to Standard Repayment, expecting to pay $ XXXX. After my request was processed, my interest was capitalized ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and my XXXX statement was then reduced to {$590.00}. I figured this was slightly higher than the letter stated since interest was capitalized. I continued to be billed ( and pay ) this amount in XXXX. However my XXXX statement says I owe {$690.00}. I do not understand why my payment now went up, or why it was {$590.00} for two months. I believe that I should be paying the {$550.00} as stated on the letter I received XXXX/XXXX/XXXX. I called FedLoan Servicing twice to inquire as to the different payment amounts. After being put on hold 7 times by the first person I spoke with, and still not having any answers, I tried again the next day. The second representative told me that the letter dated XXXX/XXXX/XXXX must have been in error. He said that I would have a lower payment if I re-entered the IBR program. However, I now have to pay an increased amount for the next several months as they process my application. Since I am in the PSLF program, this is money out of my pocket that I would not have otherwise needed to pay, but for their misinformation. I would like this resolved because increased payments, which I did not expect, is a hardship that is caused purely by the incorrect information provided to me by FedLoan Servicing.
Consumer complaint received 2023-05-10
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. (NY)

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-08
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. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.