davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I consolidated my individual student loans and began to make payments under an income driven repayment plan. Several months after this I was told that for some reason one of the individual loans was not added in the consolidation. They then asked me if I wanted to re-consolidate again with the additional individual loan added. After agreeing to this and going through with the process, I was then informed that the 20 year repayment process was restarted and my previous monthly payments did not count towards the 240 required payments on my Income driven repayment plan. In addition to this I have had multiple issues with contact with the company and issues with my yearly re-certification of income to remain on my IDR plan.
Consumer complaint received 2023-03-03
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, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-03
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. (MI)

My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Date : XX/XX/2019 I got a card from Equifax, stating that " within the last twelve months we have received eight or more inquiries for your credit file. '' It also says that Colorado law requires them to provide me with a disclosure copy of my credit file when this happens. It give a toll-free number to call ( XXXX ) to get it.

So I call the number, and spend a bunch of time pressing 1 for this and 2 for that, just for them to refer me to a web site ( www.equifax.com/FCRA ). They COULD have saved me a bunch of time by printing the web address on the card, but instead they make me waste a bunch of time on the phone just to get it.

So I go to the web site, spend another bunch of time filling out the form. One of the items is Reason For Credit File Request. There are 8 choices, and none of them seem to apply to my situation, so I have to just pick one to proceed. I pass the challenge questions, then I get : " At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. '' So I call that number, and get the same automated voice response system that I got with the first number!

A total run-around. I'm entitled to a copy of my report, and they waste a bunch of my time just to not give it to me.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX  years.
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
Consumer complaint received 2023-03-06
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 an 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 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-06
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. (IA)

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. 
XXXX XXXX XXXX XXXX  account balance {$1600.00} on my Transunion Credit Report has violated my rights. 

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 a reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.
Consumer complaint received 2019-01-10
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)

Since Navient became the service company for some Sallie Mae loans, I have had nothing but wrongful handling of my loans. Over the last few years, I have been told I no longer qualify for forbearance or in-school deferment on any sort. I did qualify for a hardship 1 % interest rate reduction program that I was told depends on my financial statement and income driven. The last two times I agreed to the program, I was paying 1 % of interest only, which was $ XXXX/mo. and today I reapplied was suddenly was given a 2.75 % rate for the same program, leaving me with $ XXXX/mo., which I explained I will have no way of paying. I tried to ask for some understanding that those loans were signed 16 years ago and that this payment is absolutely insane even at their suggested reduced rate. I was only told that I should have understood terms and conditions of those loans as a responsible adult. 

I spoke to a supervisor, then manager and was denied a document that explains how their system calculates the new 2.75 % rate reduction rate and was told it is NOT income driven but merely a courtesy program for those in hardship. Neither the supervisor nor the manage were able to further explain why I no longer qualify for the 1 % interest payment. I was quickly reminded of my large sum obligation and told the next step would be to remind my co-signers of their obligation as well. 

I asked for a written explanation of the program and was denied the request, again being reminded of my debt. 

My first complaint is that there is no explanation of changes to the rate reduction program and refused a written document. My second complaint is that the terms I agreed to over the phone recording always state that the rate reduction payment does not rid any additional interest accrued, making it very clear that any interest I would have paid with a pull interest only payment, would be added to the total balance of the entire loan regardless. I understand that the reduction plan of 2.75 % /mo. only keeps me from being delinquent, but does not actually narrow any of the original interest built and piles additional interest on top of the original interest to the total sum of the loan. But why, they can not explain, just say that " this is a courtesy plan and interest is stackable, which you agreed to ... ''
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (PA)

I applied and was granted a Delta Gold Skymiles credit card in XXXX XXXX. It was my understanding if I spent {$3000.00} in the first XXXX months I would be awared XXXX Delta SKy Miles, I proceeded to spend the money. made sacrafices to pay on this card ( I could have been using another reward card ) I checked my balances and paid my bill on time .... but when I called to today because I had not seen my XXXX miles deposited- they said I did not qualify because I had another card in XXXX that was cancelled. 
they said it was in the terms of agreement ... .. who reads them?? that was NEVER mentioned on the flight during the announcements, not one flight attendant mentioned you could not have had another Delta card in the past years ... .. Nothing was mentioned about that term ... .which is pretty significant -- -- they just encouraged you to apply for the card and to the miles ... .. I know it works well, because my daughter also requested a card. I am just very disappointed because they could have automatically put me into a platinum card, so I could have had the same perks ....
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (WI)

I have continuously disputed this collection with Optimum Outcomes, INC for XXXX and this Company does not respond. 
I have disputed with the credit bureaus as well. This inaccurate information was removed from my credit report months ago and all of sudden it magically appeared on my report and I was n't sent a dunning letter or anything giving me a chance to request debt validation. However, I chose to send a debt validation letter to this company in XXXX XXXX and they never responded. I have no idea who this company is and have never heard of them. Unless they cam provide a legal document with my signature stating I agreed to pay this alleged debt, I want this removed from my XXXX credit report immediately! Please send me a letter confirming this has been done.
Consumer complaint received 2023-03-06
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. (NC)

No reply from credit bureaus they sent me a generic reply. Nothing with my signature nothing showing I legally owe this debt. Theres 15 accounts that are showing closed thats over 10 years and still showing on my reports. See attached of student loans still showing on my report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

RENT RECOVERY SOLUTIONS Last reported XX/XX/2021 {$67.00} Open balance 09 XXXX Original creditor After moving from the XXXX, I was not sent any outstanding bills due. I satisfied all requirement under the contract and paid all expenses due at the expiration of the contract between the XXXX and myself. As matter of fact, the apartments became inhabitable due to the water being off more than 90 % of the time the last month of the contract.
Consumer complaint received 2023-03-06
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

XXXX XXXX reportedly received a notice that I was enrolled in a professional program ( i.e. a XXXX XXXX program ). Without talking to me, they put my payments in deferment, which affects my status in income driven repayment and public service loan forgiveness. I did not want this. I wanted to keep my payments in the income driven repayment plan, and keep making my payments so I can get the loans paid off and get public service loan forgiveness. No one ever checked with me, they just did this and then sent me the notice. Their message stats that if I try to switch back, my interest will be capitalized ( current balance is {$440000.00}, so capitalization would put this over {$500000.00} ). I tried to contact them, but they do not return my messages. This all comes after I spent 4 months ( MONTHS! ) getting into the current income driven repayment plan. Additionally, their calculation of my PSLF payments is still incorrect -- they are off by more than 10 years now. No one is returning my calls.