davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (CA)

I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with XXXX and XXXX, Date : XXXX  inquiry with TransUnion as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XXXX Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

XXXX ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXXXXXX 

XXXX ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

For the past year or so, every time I have tried to pay extra on my one loan, it only advanced the due date of my payment with Naviant. I have even called to have the issue fixed but it was not fixed. Each time my due date was pushed.
Consumer complaint received 2023-03-09
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. (CA)

I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with Equifax and XXXX, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

1 ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXX. 

2 ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I was living with my parents and overpaying my loan by {$200.00} a month. Combined with my federal loans and another private loan, I was paying about {$800.00} a month. When I wanted to move out, I called Navient to change my loan payment back down to the minimum that I was paying before so I would only have to pay {$600.00} a month. They told me that I could n't do that and I was stuck with the higher payment. With my budget, this left me unable to move. I had to borrow money to pay off the loan in full so I could refinance and make my monthly payments lower.
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-09
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. (FL)

Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see attached
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NY)

I have on various occasions reached out to this company and also disputed the charges via the credit bureaus. Have send proof of my identity, my signature even proof of police report clearly stating my list of personal property that was lost, which included my license, ss and various credit cards. This company sent me what is supposedly a contract signed by me which is not even my signature but my name handwritten and with the purchase made out of the state of NY in some other state I have no connections with.I have requested for proof and information and have been completely ignored and told in a very rude matter that it was investigated by the company and the charges are mine without them sending me any proof as ask.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX fraudulent active started on my bank account with US Bank. I had not given permission or account info to anyone. A fraudulent check was deposited into my account for {$640.00} on XX/XX/XXXX withdraws totaling {$230.00} we're withdrawn from my account. On XX/XX/XXXX {$440.00} was withdrawn from my account. On the XX/XX/XXXX XXXX more checks were fraudulently deposited into my account. On XX/XX/XXXX my Social Security check for {$1000.00} was deposited in my account via direct deposit and on XX/XX/XXXX another deposit was made to my account from Social Security for {$1000.00}. my account balance before all this fraud started was {$27.00} and with the 2 deposits from Social security {$2100.00} = {$2200.00} my home back now because mine closed during covid is US Bank on XXXX XXXX XXXX XXXX, Ca has returned {$1000.00} in XXXX XXXX and stated she ( XXXX XXXX the bank Manager didn't feel comfortable giving me any more money back from my closed account, she wasn't sure where the money came from. US Banks has {$1100.00} of my money and won't return it. All investigation have been closed since XX/XX/XXXX and the account closed. I did everything the fraud departs have asked me to do, I filed police reports, filled out countless amounts of paperwork for them and they found me not responsible for the crimes committed on my account. I was told the only way to get my money back was through my bank. Since the bank Manager won't do it I have called her boss, District manager for XXXX XXXX XXXX XXXX XXXX XXXX three times and left detailed messages, to which she has not returned. Please help me.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

Hello, On XXXX I submitted an application on Studentaid.gov for the SAVE repayment plan. Since that time, I've received 2 emails from Edfinancial : 1. ) On XXXX  showing my billing statement for XX/XX/XXXX is {$0.00}. 

XXXX. ) On XX/XX/XXXX ( today ) I received an email telling me to check new messages in my Edfinancial inbox. The message shows I was put in the Standard Repayament Plan and owe {$410.00} due in 5 days, on XX/XX/XXXX!! That is nearly 40 % of my monthly income. Stressful. 

When I logged into my Edfinancial inbox on XX/XX/XXXX, per their request, I also saw a message from XX/XX/XXXX requesting a 1040 tax document as documentation of income, in order to approve my SAVE application. I was never emailed or notified of this request. I sent this form to them immediately on XXXX  I also reapplied for SAVE on studentaid.gov
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (PA)

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 XXXX  is being investigated by the FTC.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CT)

i became XXXX in 2008, i got {$120000.00} in federal student loans discharged due to this XXXX. My only income is Social Security XXXX {$1300.00} a month and am below the poverty level and can not afford any payments on private student loans. I made multiple attempts at small monthly payment but have since been unable. An original {$6000.00} dollar loan has grown into over {$32000.00} with fees and interest. My mother was cosigner and she to has retired and recieves only Social Security, both of our credit reports have been ruined and I am looking for loan forgiveness and restitution of credit reports.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
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. (OH)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I work for XXXX and currently my wages have been being garnished for the past year. I have wrote two letters to the President of the US and have received a response. I did not know this bureau existed until the current lawsuit. My student loan is with Navient and they would not work with me. My son was diagnosed with XXXX, as well as XXXX which put me behind in my loan. They refused to work with me to get my loan current. I told them I could provide all medical documentation which clearly states that my finances were helping my child. They are garnishing my wages as well as continuing to accrue interest will they are garnishing my wages as well. They refuse to help me and just keep taking from my check as well as adding on interest while taking. Please help. The President of the US has sent me a letter in return that he is hoping to fix this situation. I can provide all documentation to date.
Consumer complaint received 2016-04-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (PA)

No one ever contacted me about the debt. I had no idea until I saw it on my XXXX report so I called the medical facility I owed ( XXXX XXXX - {$160.00} ) and paid the debt over the phone via credit card. Ref # XXXX - Author # XXXX - Trans # XXXX - Date paid XXXX XXXX, 2016 Time : XXXX - I have not been able to contact berks collections but this is still on my credit report and I want it off. please
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC (PA)

My credit which has always been great acutely dropped late last summer. XXXX was showing an account from XXXX XXXX XXXX. This is not and never was mine. I called XXXX XXXX and told them this and the account was closed. Fast forward months later and I keep getting harassing phone calls from a debt collector named XXXX XXXX. His number originally was a number from XXXX NC. Now it is coming from XXXX ext, XXXX. I have not engaged with this XXXX.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (TN)

I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.
Consumer complaint received 2017-01-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

XXXX/XXXX/17 This is a follow-up to my complaint Case number : XXXX. 
I went to my local Wells Fargo branch to make my monthly payment. The coupon states that I owe {$0.00}. Because I have been told that I ACCRUE interest to have NEGATIVE interest owing if I do not pay, I wanted to pay the interest & make a principal payment. I was unable to complete the transaction because they have no means for me to do this. In fact, although the bank official was helpful, she was unable to tell me why my last two payment, both of which I wrote ON MY CHECK AND ON MY COUPON that I was making the amount of the interest payment AND the remainder to principal, both were credited to interest. She showed me on her computer that both were credited to interest even though I called Wells Fargo and asked that the over payment go to principal and both persons I spoke to assured me that they would credit the overage to a principal payment. They simply did not do it. Now if I do not make a payment today for interest that they say I do not owe, they will say that I owe back interest. If I make a solely principal payment, they will still say that I owe back interest. Please help.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have a student loan originally from XXXX, whom was replaced with Navient. I have tried repeatedly to get my loan payments lowered due to the change in my financial situation. Naviet refused to lower my payments. Instead, I was told the only thing they were able to do was give me a XXXX month extension, and delay my payments, which made no sense to me. 

My income had decreased drastically, and my husband had also taken sick leave from work. I was constantly told delayed payments were my only option. 
I was devastated. 
I feel that I was never given an fair chance to repay my loans.
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities. 

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account PXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Collection Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, XXXX XXXX