davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

Dear EXPERIAN : I XXXX XXXX XXXX, a women, respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete all disputed item ( s ) listed below. 

ADDRESSES : ( 1. ) XXXX XXXX XXXX XXXX XXXX, AR XXXX : I DO NOT LIVE THERE ( 2. ) XXXX XXXX XXXX XXXX, AR XXXX : : I DO NOT LIVE THERE The following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate and delete ALL item ( s ). I respectfully request that you provide me with proof of the disputed item ( s ), specifically any contract, applications, note, court documents or any instrument ( s ), bearing my wet ink signature. Failing that, you must delete ALL item ( s ). 

NON ACCOUNT INQUIRIES LESS THEN 30 DAYS OLD : ( 1. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX XXXX   Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX ( 2. ) XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXXXXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX Date Filed - XX/XX/XXXXType - All Banks - non specific Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX I Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XX/XX/XXXX Company Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to validate these item ( s ). It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item ( s ) from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item ( s ) has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

XXXX XXXX XXXX XXXX XXXX AR, XXXX Sincerely,
Consumer complaint received 2018-02-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACS Education Services (NJ)

On or about XX/XX/XXXX, I began receiving collection notices from ACS-Conduent, for a debt owed to XXXX XXXX. At first, I ignored the notice because I believed I did not owe the money. 

On XX/XX/XXXX, I called ACS-Conduent and asked that they please stop sending me notices because I do not owe any money. I called 2 more times that day. 
I was told a couple of this with my communication with them. 

1. I was told to contact XXXX XXXX and ask to provide a copy of the Promissory Note 2. I was told that they received the debt in XXXX of XXXX by a XXXX XXXX from XXXX XXXX. I was also advised by a representative named XXXX to contact the U.S. Dept. of Education for information regarding my debt. 
3. On XX/XX/XXXX, I contacted the Department of Education and was informed of a balance listed for a Perkins Loan for Loan Period XX/XX/XXXX to XX/XX/XXXX. The balance listed is {$230.00}. 
4. I was informed by the Dept. of Education that the loan/debt had NO Executor listed. 
5. I also began calling XXXX XXXX beginning XX/XX/XXXX. At first they could not find that I owed any money but eventually found the Perkins Loan on the Federal Student Aid website. They did see that they are listed as the owners of the loan. I have also been trying to resolve this issue with XXXX XXXX which is currently XXXX XXXX - XXXX. My contact there is the Finacial Aid administrator XXXX XXXX. 

The problem I'm having is, although the balance of the loan is being investigated by XXXX XXXX at XXXX XXXX XXXX, ACS-Conduent has taken it upon themselves to come after me for a debt found on a government student loan website, which is public information, without having the legal authority to do so. They claim that XXXX XXXX is their point of contact for XXXX XXXX when they received the debt in XX/XX/XXXX. The problem is, XXXX XXXX, according to the financial aid admin XXXX at XXXX has not been with RETS in over 3 years prior to my calls in XXXX. 

My suspicion is that ACS-Conduent is helping themselves to " found money '' as public information found on the student loan government website without then actually representing XXXX XXXX as confirmed by XXXX and XXXX at XXXX XXXX XXXX. They use a different collection agency to handle their collections. 

If XXXX XXXX does not have a business relationship with ACS-Conduent, how is it possible that they ( ACS-Conduent ) can collect as their ( XXXX XXXX ) representatives?
Consumer complaint received 2018-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (IL)

TCF Bank holds a modification loan on my property as a second mortgage. The payments are not extremely large but being on a fix income and XXXX years old, there are times that the account will become one to two months behind. Every time two payments are scheduled online make the account current, the manager cancels the payment and lock the account. When I asked why this was done, he explained that the payment is scheduled for the XX/XX/XXXX of the month and is required no later than the last day of the month. If I don't receive my pension payment until the XX/XX/XXXX of the month, why not accept the payment scheduled online? The office stated that they will take a payment over the phone and hold it for five days. Well, if you will hold it for five days, why not accept the payment online? Why lock me out of the account completely and cancel the scheduled payment. This has been done to my account twice. Not to mention, the rudeness that prevails when explaining to them that I can't pay until the XX/XX/XXXX of the month. There must be a law against denying a payment especially when it is bring the account current.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

I have had a JPMorgan Chase Credit Card for over 15 years and have always made monthly payments on time with this card, as well as all the other credit cards I maintain. This JPMorgan Chase card has an Interest Rate of XXXX % for years and I finally decided to call JPMorgan Chase to inquiry about getting the rate reduced. After being put on hold for about 2 minutes by the CSR ( XXXX ) on XX/XX/2018. The CSR informed me that the current rate is the best rate I can get. By my account, and the 3 National Credit Bureaus my credit is rated as Excellent, and therefore, I Do Not Believe JPMorgan Chase acts in Good Faith with the FTC CARD Act of 2009 in doing a Fair and Honest review of Card Holders accounts. By reading recently about XXXX actions " related calculating the APR didn't properly reflect the full benefit should have received for good behavior, such as paying on time ''. XXXX is issuing refunds to customers whose APR should have been lowered. I strongly believe that JPMorgan Chase also is not doing a Fair and Honest review as required by the LAW.
Consumer complaint received 2017-07-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

On X/XX/17 I filed a complaint against Sallie Mae in which they have still not sent any response to. I also would like them to send me a copy of all loan documents from XXXX XXXX that shows my signed signature on it. I have been trying to get this problem of falsely showing late payments on my credit report when in fact the loan was in deferment. And there are several loans for XXXX XXXX when in fact I only applied once for a medical billing course.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

Good afternoon. I'm writing today, in the hopes that you will be able to assist me in getting my loan modification completed. I have been trying since XX/XX/XXXX, to resolve this matter with Chase hyphen on XXXX separate occasions, they have requested the same documents from me, claiming that they weren't signed or that there was a page missing. My most recent communication with them was this morning, where they stated the 4506-t form that I submitted wasn't signed. The third time I've sent it now - it's been signed every single time. I have also been dealing with people who are absolutely determined to derail this process, specifically - XXXX XXXX, point of contact and XXXX XXXX, Mgr. 

I have the ability to return to good faith payments. I have Surplus income and it's clearly evident that chase is trying to push this property to sale. Please assist me here!
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (WA)

I was unemployed, and asked to be switched to Income based payments. Navient instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Consumer complaint received 2018-03-26
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. (HI)

I am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Consumer complaint received 2018-02-28
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: CITIBANK, N.A. (MD)

I reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, XXXX and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks
Consumer complaint received 2018-03-26
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. (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX Not Proven Compliant Account -- > XXXX Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Consumer complaint received 2017-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (MD)

I have fell behind on payments and began to pay late. I noticed no matter how much I payed the balance never goes down. I called and I was told that the reason why was because all my payments were going to late fees. When I asked what the late fees were I was told between $ XXXX {$11.00} a day. I feel as that is illegal and falls under usury. <P/>I have spoken with them and let them know of my concerns and I was told they can set the late fees as they please.
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NM)

This vehicle is currently with the co signer. Company did have my information but made zero attempt to me the primary owner, that the co signer XXXX XXXX was not paying the vehicle. 

I started to notice a pattern of alerts that my credit score was dropping at a high rate and was wondering why, since my payments were on time. 

I checked with XXXX XXXX and noticed that they repossessed the vehicle, with no attempt to contact me. The vehicle was payed again and payments were caught up Anytime this account was in delinquency do to the co owner I corrected it immediately. 

This account is in a charge off state, but payments were current. 

I request XXXX XXXX make fair changes to my account and put it back as an active account with them and take any delinquencies of my credit reports
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The XXXX XXXX I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2018-02-28
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. (AL)

I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
Consumer complaint received 2017-07-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.
Consumer complaint received 2018-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

In XXXX I learned that I had a private student loan that had been opened since XXXX. From what I remember the lender was XXXX XXXX. The lender informed me that the statements/phone calls had been going to my mom house. They sent me a copy of the promissory note and I immediately notified them that it was fraud. It was my moms handwriting and we had never discussed nor did I sign a loan application. I was told I could not claim fraud because I benefited from the loan ( I disagree ). Immediately after my wages were garnished & I was told the only way to stop the garnishments were to set up a payment arrangement. I informed them that I could not afford the amounts and was told too bad. I could not maintain that payment plan as I told them. I called in XX/XX/XXXX after receiving an email from Texas Higher Education Coordinating Board and was told my account had been sent to the Attorney General. XXXX XXXX, at the Attorney Generals Office told me I could either pay $ 3700+ immediately ( despite me actually reaching out to him ) or accept a garnishment. I told him that if I had absolutely no other option I had nothing to hide from a Judge hearing my case and about the fraud. He coerced me into expiditing the lawsuit without telling me that the Judge wont care about the fraud, almost always rules in the Attorney Generals favor, and that it be nearly impossible to find an attorney to represent me because of that. Also, he nor XXXX XXXX XXXX never told me that they were representing THECB/XXXX XXXX only and not a mutual party and strong armed me into making legal decisions that were detrimental to me and my case. I still maintain that this is fraud yet Im told its a family matter and I still have to pay. The suit has been filed but now Im given the option to enter into a payment plan or face imminent garnishment. This matter could have been resolved years ago had they considered that it is fraud yet Ive continued to be bullied into paying a debt that I didnt apply for or know about.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, my XXXX credit card was charged twice for a dollar each by Experian even though I never requested any services or reports from them. I then requested XXXX to issue a new credit card number due to the fraudulent charges, and haven't used that card since. On XX/XX/XXXX, my XXXX account was charged again twice by Experian for {$29.00} each. I still did not authorize any services from Experian that would result in these charges. I called Experian to attempt to see what services they were charging me for and to ensure they were cancelled, but I was left on hold for XXXX minutes without being able to speak with anyone about these unauthorized charges.