davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

For over a 5 year period I've been making payments on a student loan that I'm unaware if the payments are credited to the outstanding balance. Also, on several occasions I requested statements of the balance, however, I received no documentation stating an accurate account of interest, balance and terms. 

My loan was sold to Navient, when I was employed as a school teacher and I was in a forgiveness program ; however, after my loan was sold, the loan was no longer recognized in the program, the interest and debt owed, was increased to the original amount.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CO)

Both my husband and I applied for the {$120.00} Equifax offered for their breach, after they said we qualified for it, and now simply because too many people applied for what they offered us, now they say it will much less than {$120.00}. This is unacceptable because they are supposed to be compensating US for THEIR breach, so it should not matter how many people apply. They should be forced to live up to their original offer of {$120.00} each. The CFPB should not allow the amount to be lowered simply because they hurt more people than they thought they did!!! Also, why are we waiting many months for this compensation??? Give it to us now!!!
Consumer complaint received 2018-11-01
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. (AL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Equifax, XXXX, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX XXXX Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

When trying to get information about the repayment terms of my loan information through Navient it has been very unclear and often inaccurate. My loan was in enrolled in a modified payment plan of interest-only payments until  XXXX  of  2017 . At that time I received a letter stating that the payment was going to change in  XXXX  from {$60.00} to {$230.00}. I started making payments in  XXXX  and waiting for a new schedule of payments that I requested on  XXXX   XXXX ,  2017 . I never received a new schedule and then received an email in  XXXX  stating that my account was past due because my payment had changed to {$310.00}. I then called again to get a schedule of payments and have yet to receive accurate information regarding the repayment plan. Every month the amount due has changed and I have no way of knowing what it will be from month to month. I have tried countless times to get the correct information, however most times that I speak with them the customer service representative ca n't even follow the payments made and what is actually due. Navient 's on website is confusing and not consumer friendly. This is the sort of information that should be available to a borrower through their acccount.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

My federal subsidized and unsubsidized loans were held by Navient. In XXXX, I filed for bankruptcy ( first Chapter XXXX, which was later converted to Chapter XXXX ). XXXX XXXX was notified properly by my attorney. I was told by my attorney as well as bankruptcy trustee that while the loans could not be discharged, they were protected against any term changes, default or late penalties. My loans were transferred to a debt collector agency instead without a notification to me. Subsequently, without any consent or agreement by me or my attorney, XXXX XXXX/Navient consolidated my loans. In spite of multiple inquiries and request to XXXX XXXX, I was not provided with regular statements or even access to the details of my loans. I opted to continue regular payments to my student loans at will, and at a guess of what minimum payment would be, because that critical information was also withheld from me. I also had no information about how my payments were being applied to my loans. Instead, I was told that I do not need to make any payments. <P/>I continued to experience the same lack of information and constant misinformation about my student loans even after my Chapter XXXX discharge. When I questioned why my principle on the student loans increased ( whereas by my calculation and records, it should have been reduced due to ongoing payments ), the company instead justified it using the terms of the " new consolidated '' terms, which by federal laws should not have happened in the 1st place. I also learned that most of my payments were being applied against the interest, and not the principle, hence why I continued to see only minimal progress towards the repayment of my loans and instead I was overpaying. By the end of XXXX, that accounting difference was about {$8000.00}, and continued to accrue interest using those terms. In XXXX, I have finally paid off the Student loans with a balloon payment. <P/>I believe, this unlawful behavior by XXXX XXXXNavient, combined with lack of customer service and proper information, resulted in ( what I perceived as ) extortion of additional payments exceeding {$12000.00} that I could not dispute against intentionally falsified information being provided to me.
Consumer complaint received 2018-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Summary : Submitted a {$500.00} payment that was cashed by Navient but not applied to my loan. I tried calling, I tried chat, and I tried sending a letter. Navient has not addressed the problem. 

Details ( this is actual text ( " copy and paste '' ) that was printed and sent via USPS to Navient, which Navient has not responded to early XX/XX/XXXX ). : -- -- -- -- -- -- -- -- -- -- -- -- Late XX/XX/XXXX, I submitted a payment that was deposited by Navient on or about XX/XX/XXXX to loan ID XXXX, belonging to me, XXXX XXXX. But the payment was not actually applied to my account ( XXXX ). They payment was serviced by XXXX. 

This payment was not applied to that loan, nor any other loan of mine. The check was deposited. The canceled deposited check is included in this package.. 

Please apply the {$500.00} payment to loan ID XXXX. 

If you have any questions, please contact me via email ( XXXX ), phone ( XXXX ), or a secure message via the Navient web interface. 

-- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/19 at approximately XXXX XXXX. I sent XXXX {$20.00} for tickets for a concert. They said they had two tickets for {$20.00} each and I sent them {$20.00} through the XXXX and {$20.00} through paypal. After I sent, they blocked me on XXXX XXXX. I never received the tickets and I am not able to contact them. They sent me their " Driver 's License '', but I am afraid they have stolen some girl 's identity and are using a fake profile to sell fake tickets to consumers via XXXX.
Consumer complaint received 2024-11-12
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. (MS)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

On XX/XX/2023 was the first and last time Hunter Warfield contacted me via email about a debt they claim I owe, I replied on that same day and told them I dont owe the debt nor know about it, when I told them that I never hear from them again. However, Today XXXX XXXX when I refresh my credit report, I see Hunter Warfield on my XXXX and XXXX credit report under collections out of no where ; after 4 months of no communication. I contact them via email to provide me proofs that I gave them authorization to access my file because that is illegal for someone to authorize/ put inquiries on my file without permission they later then ignored my email.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX XXXX mail, requesting an investigation into multiple items on my credit report that I believe are inaccurate, along with a bankruptcy record that is reported with discrepancies and incomplete information. In compliance with TransUnions requirements, I included all necessary documents to verify my identity, such as a recent copy of my proof of address, my government-issued ID, and my Social Security card . 
Despite providing these documents, TransUnion refused to conduct the investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, on XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. 
According to the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to verify or correct the disputed information. Despite my compliance with all identification requirements, TransUnions refusal to conduct the investigation represents a violation of my consumer rights under the FCRA.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HAWAIIAN, INC. (HI)

Hello I checked my balance with the teller twice during the week that the NSF fees are charged to me. I asked her if there were any outstanding balance due. 
She said that there were none. 
The next day or two charges for insificent funds began to be charged to my account. 
I went to the bank and spoke with the manager on the first day of the charges accruing and she said that this was not something that the branch handles. However, on the paperwork that First Hawaiian Bank sent me the bank states that I can go to any branch and they will tell me what my balance is. I called the XXXX XXXX Hawaii branch and they told me to give them my phone number and they will call me back. No one called me back. First Hawaiian Bank was not forthcoming with the outstanding balance and then added the charges for the insificent funds. 
First Hawaiian Bank had me sign up for overdraft protection plan for checking account and then told me that if I didn't want to get charged for the overdraft fee I will have to opt out of the program that they told me to sign up for to avoid this matter. When I went to the bank to see what happened, the teller told me that I should have read the fine print.
Consumer complaint received 2019-11-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: TrueAccord Corp. (ID)

I was turned over to a collection company for the debt I incurred with XXXX  XXXX, the collections service was XXXX XXXX XXXX. On XX/XX/2019 I took a settlement amount to pay off my debt and paid the first payment of XXXX. There were to be made two additional payments of the same amount on the first of XXXX and then first of XXXX and with drawn automatically. A week after I made the payment, I began receiving emails for the full balance even though I already took the settlement and made a payment, they were not even acknowledging the payment I made and demanding full balance. I called and spoke with someone and they said it was fixed however it was not. I continued to get demand payment emails and they would not fix the problem. I waited to see of the payments would come out and they did not, only the first payment drafted and then nothing. They will not post the payment I made or honor the debt settlement. They lied to get a payment out of me and then they are not even crediting my account for the payment.
Consumer complaint received 2019-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I open a dispute with Equifax requesting method of verification on a Chapter XXXX bankruptcy and Chapter XXXX Bankruptcy they came back the next day saying that they verified the bankruptcies through XXXX XXXX public records ; However this information was not verified through the ORIGINAL CREDITOR which is the courts, in which I reached out to the courts and they confirmed that they do not verify bankruptcies or any personal information with credit bureaus or thru third party entities which I informed them of on XXXX provided them with a LETTER TO REMOVE THE BANKRUPTCY AND LETTER FROM THE BANKRUPTCY CLERK and they still did not remove the bankruptcy from my report after they completed the review again. They are in direct violation of FCRA and did not validate debt thru the ORIGINAL FURNISER THE COURTS. Due to them verifying the debt thru a third party and not the original furnisher only provides the last four digits of my social their could be several inaccuracies but Equifax would not know because they did not verify with the original furnisher THE COURTS.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I received a letter dated XX/XX/XXXX from XXXX XXXX , XXXX about an unpaid debt of {$1800.00} I supposedly owed to XXXX XXXX in XXXX. I called XXXX and said this was not my debt. They said they would report it as fraud. On XX/XX/XXXX I received another letter on this matter from Jefferson Capital Systems, supposedly the current debt collection agency. I was told this debt went back to XX/XX/XXXX. I was directed to several alternate numbers in their company and no one could give me any further information on it. I did learn the address for the service was at XXXX XXXX XXXX, XXXX, MI. I told them I had never lived there and in fact have never even been to XXXX! I am a resident of XXXX  and have lived here continually since XX/XX/XXXX. Prior to that I was a resident of XXXX. I also tried to call XXXX directly but got no where. I am a member of XXXX and I contact them. They requested I call XXXX XXXX again to find out what information was used to open the account. The closed account department said their records did not go back to XX/XX/XXXX.
Consumer complaint received 2019-11-10
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. (NV)

Out of nowhere, XXXX  added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (SC)

I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.
Consumer complaint received 2019-10-12
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. (CA)

XXXX is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XXXX XXXX today is XXXX XXXX
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSWORLD SYSTEMS INC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.