davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

The company has asked that I pay a debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, they keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

All of these companies need to UPDATE MAILING ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX DONT SEND ANY MAIL TO XXXX XXXX XXXX XXXX XXXX CA XXXX  this address is not a good address remove this address from all accounts and update with new address.

XXXX XXXX {$3300.00} XXXX XXXX   {$670.00} XXXX {$53.00} XXXX XXXX
Consumer complaint received 2018-03-28
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. (CA)

I have sent dispute letters to the credit bureaus and to XXXX XXXX XXXX   beginning on XX/XX/XXXX and continue to send letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the information reported on my credit has been reported inaccurately and has not been reported in compliance with with FCRA and FDCPA guidelines.
Consumer complaint received 2024-11-07
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX XXXX XXXX ( creditor ). The creditor 's information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : XXXX. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt. 
XXXX. Inaccurate information : The debt amount/account status is incorrect. 

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : XXXX Immediate cessation of collection activities. 
XXXX. Validation of the debt, including original contract/agreement. 
XXXX. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.
Consumer complaint received 2018-01-03
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. (NJ)

XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I am writing to express my concerns regarding a recent interaction with a debt collector. I requested validation of the debt but did not receive a response. I have called several times and keep being told it is being " worked on ''.

Under both the Fair Debt Collection Practices Act ( FDCPA ) and Florida 's Consumer Collection Practices Act ( FCCPA ), debt collectors are prohibited from misrepresenting the amount owed. Specifically, adding fees not included in the original contract constitutes misrepresentation. The FDCPA allows collectors to charge only those fees that are " expressly authorized '' by the original agreement or permitted by law. If the original contract does not specify these additional charges, they can not be added later. 

Furthermore, the Florida Deceptive and Unfair Trade Practices Act protects consumers from unfair or deceptive practices, which includes imposing unexpected charges. 

Not only that but this item is list negativaly on my credit report twice. Please remove it.
Consumer complaint received 2017-11-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (AL)

check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX  mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (IL)

I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors ( XXXX, XXXX XXXX, XXXX / XXXX ) rest all are not recognized and authorized by me. 
So these hard inquiries should be removed from account. 

I tried calling XXXX but they said they wo n't take care of it and can not delete these hard inquires.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

Experian forces their customers to cancel an account via telephone, however the wait time to speak to a representative is consistently over one hour. I waited nearly two hours before speaking with someone ( see attachment documenting the call-time via my wireless provider ). 

The wait time is unreasonable and is clearly intended to draw frustration in the hope that consumers do not follow through in canceling their account. This experience is not unordinary and has become common enough that it's likely a customer retention strategy.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian on complaint # XXXX states that changes and deletions ca n't be made as of XX/XX/XXXX due to the information provided. I have provided the copies from XXXX XXXX XXXX XXXX there has never been no other documents sign nor giving to me by XXXX or any binding agreement other than XXXX XXXX XXXX transferred the loan. 
There has been no documents furnished by Experian to XXXX or no proof of documents to the loan XXXX nor and documents furnished. Only documents furnished was XXXX XXXX XXXX XXXX in which they sent XX/XX/XXXX by XXXX stating they did not supply delinquency information to credit reporting agencies. This loan was done XXXX so where is the reporting on payment history from the begging of the loan and why is there nothing showing from the start of the loan of XXXX. There is the wrong complete amount by Experian to the loan XXXX provided the loan amount {$25000.00} and Experian has {$24000.00} so Experian does not have the original amount of the loan as they have stated on the credit report. Nor does it show or can provide any reporting by XXXX. 
Experian Complaint # XXXX Experian states back to CFPB that this does not show on my credit file I have provided the copy saying it does not show on my credit file and Experian States to CFPB it does not show on my credit file. Experian also states error in amounts and the loan open XX/XX/XXXX not as Experian states or my documents from XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a collection on my Transunion credit report over 60 days ago, and for Transunion to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Transunion to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Transunion did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Transunion failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Transunion willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.
Consumer complaint received 2018-01-03
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. (SC)

I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.
Consumer complaint received 2018-03-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (WA)

I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (NV)

The hospital had given my bill to the debt collectors who for 6 years have been sending it to the wrong address. I only found out recently about this debt when i saw it on my credit report, which it had affected very negatively. I have called the creditor collectors and told them that I never recieved a letter from them all these years if they can remove my debt from my credit report so they can give me a fair chance. They refused and demanded I paid in full in exchange for removal from credit report. This is not fair. Please help!
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I've called Navient multiple times to Settle/Pay off my stundent loans, current balance of {$22000.00}. Most recently called on XX/XX/XXXX, after getting the same answer multiple times and from previous calls made on XX/XX/XXXX & XX/XX/XXXX. Not willing to take a settlement amount, even though my principle on the loan ( s ) was {$16000.00}. Last call I asked to speak with a supervisor, was put on hold for a few minutes, same gentlemen got back on the phone said his supervisor was busy and that he asked him and backed up what he'd been telling me that there's isn't any settlement options for Federal Loans when they are in good standing. There might be more options if I were in default. I'm really want to just get my loans paid off, but at this point I'm not willing to pay the amount that Navient wants because every time I've called they've been rude, disrespectful and unwilling to work with me what so ever.
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

The company was asked to verify the debt and refused on multiple occasions, when finally Pro Collect 'provided evidence the debt was valid ' via mail, they mailed me a bill for someone who was not me for an address that was not mine and claim it is valid. They exceeded their 30 day window to provide me evidence and when they finally provided the 'evidence ' they provided a billing ledger for a woman that was not me and is several years older than myself who began renting with them in XX/XX/XXXX when I was still a minor. They are claiming this is evidence the debt is valid, well outside their 30 day window to do so ( which closed on XX/XX/XXXX ). They have no right to collect from me and they are using this as a  stalling tactic. The evidence they claim belongs to a woman that is not me and are outside the window outlined by Ohio statute to provide such evidence. The original debt was claimed on a three bedroom  apartment, which I never rented, and disputed such. All on a recorded line. They have proven that they are collected from me incorrectly for someone else 's debt.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (FL)

I wired {$4600.00} from XXXX trust to my bank Chase. The money was transferred on XX/XX/XXXX. I later found out that the account information i wrote was incorrect. I called Chase bank and they transferred me to the wire department to start the case ( XX/XX/XXXX ). They gave me a case number wich is XXXX I called almost every day for updates and finally on XX/XX/XXXX they told me, they were unable to retrieve all the money, they were only able to retrieve {$410.00} on XX/XX/XXXX. They said i should get legal actions because they are unable to help me or give me any updates.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I closed out my on XX/XX/XXXX and the ballance was paid with the prepaid money XX/XX/XXXX i did this because XXXX XXXX mobil app did not post my payment and i was charged late fees 2 mos in a row. So capitol one then charged me intrest on XX/XX/XXXX and again this month after the account was paid off they are saying i am responsible but i told them i was closing my account out and then to top it off they charged me a late fee for not paying the interest ... I told the agent that i wanted the account closed and finalized. This is for XXXX but its the principal they should have included the interest in my final ammount and didn't so i should not have to pay this or the late fee.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NC)

Last year with another collection company XXXX commissioned a different agency to collect a debt I do not owe and contacted CFPB to settle this {$110.00} bill, which XXXX never responded to. Instead sent this issue to a different collection agency to garner a different result. Now XXXX has commissioned Diversified Consultants, whom constantly calls my phone and has not addressed the previous issue which XXXX  breached the contract and did not provide the services I signed up for. I signed up for unlimited high speed services and was given what seemed like dial up services, ( slow and not unlimited ). So the contract was not what XXXX promised.
Consumer complaint received 2018-01-03
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. (NY)

I have account on my report with Equifax. I called and spoke with both XXXX and XXXX and they did their research and removed this account from my report. Equifax on the other hand has not removed it from my report. I would like this account from XXXX XXXX (? ) removed from my report from Equifax. SOL has expired in the home state of this said debt of Illinois. ( 5 years ) and I do not understand why it is such a problem for Equifax to follow suit with the other 2 bureaus.
Consumer complaint received 2017-11-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Student Aid (USA) Funds (MA)

USA Funds continues to garnish my wages without sending me any information in the mail for me to dispute the loan. I have tried to enter into the rehabilitation program to stop the garnishment but they still continued to take money out every paycheck. 

I have never received anything in the mail from them and only have been told by them that they are collecting to XXXX  student loans which was a company that was part of XXXX XXXX loans.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IN)

I sent two cease and desist letters to XXXX XXXX XXXX concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on XXXX XXXX, XXXX.
Consumer complaint received 2018-01-03
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: Experian Information Solutions Inc. (NJ)

XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation