davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (NJ)

Great Lakes Service Center are charging me twice per month for my PLUS loan. They have ignored the terms of the loan agreement by contacting people at all hours who are not co-signors. They are harassing other members of my family. They have sent emails to people who are not co-signors at XXXX, they have called my son whose number is not on the loan, they have refused to answer my questions, their complaint department ( ombudsman ) said I should contact Great Lakes that the ombudsman can not help me, and the ombudsman has refused to respond to my emails. Great Lakes is over-charging me. I am doing everything possible to keep up but they keep dreaming up new ways to over-charge. They are doing the same thing as XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Med-1 Solutions, LLC (IN)

I filed a Ch XXXX bankruptcy in XX/XX/2018 which included several accounts from Med 1 Solutions ( XXXX XXXX ).  The particular account # XXXX. I have disputed the account with XXXX and provided supporting documents showing the debt to XXXX showing it was included in the bankruptcy. XXXX contacted Med 1 and stated to me that this collection is valid. I sent Med 1 Solutions a copy of my bankruptcy document and they refuse to update my XXXX credit report showing included in the bankruptcy. It stills shows owed and not included in the Ch XXXX   bankruptcy. This has been going on for more than 6 months and at this point I do not know what else to do to rectify the situation. 

Thank You,
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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.

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 XXXX 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 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX I had to leave Federal employment due to XXXX  XXXX. I was without employment until XX/XX/XXXX. Even before XX/XX/XXXX the XXXX was causing significant loss of income due to forced absences. During this time, I had difficulties affording payment plans during this time as XXXX worked 18 months to complete my XXXX claim. 

Navient failed to provide accurate information about XXXX discharge in the early stages of my unemployment, when a recovery was uncertain for me. In addition, Navient failed to accurately review my income when a request for income driven repayment was filed. The rejections and subsequent refiling, led to several months where Navient " forced '' me to claim forbearance to avoid defaulting despite continual notice to Navient that I was fully XXXX and unable to work without any income. 

Navient eventually notified me of a website that had information on how to file for medical discharge, at which point I was recovering so the information was useless. 

Since my recent employment there has been an additional issue. I had unplanned finance issue requiring a late payment, only I couldn't contact Navient. Each time I would call the automated system would transfer me to a busy signal. I attempted many contact numbers listed for Navient on the Web, I attempted using the international line, and also attempted the numbers in delinquent email notice to the same result. 

Today, XX/XX/XXXX, I was able to connect with an agent. I attempted to file a complaint by describing my issue with contacting Navient and received a brush-off response from the agent that answered the phone. 

I'm willing to upload any documents necessary.
Consumer complaint received 2018-09-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TN)

Since XX/XX/XXXX of XX/XX/XXXX, I have been trying to get an explanation from XXXX XXXX XXXX as to why my rate was increased. I spoke with XXXX XXXX of XXXX XXXX XXXX of XXXX, TN, who was my insurance agent at the time, because there was no explanation for the sudden raise of the rates of two vehicles. She was unable to explain the use of coding by XXXX except to say that it had something to do with an accident I had in XX/XX/XXXX. I had zero accidents in XX/XX/XXXX but because I have been the victim of Identity Theft in the past, I wanted an explanation of where exactly this alleged accident happened and when. I asked her to have XXXX call me to explain because I could locate no telephone number for them in my paperwork. Knowing that insurance companies routinely check credit reports, I also needed to explain that my exhusband had gotten 8 credit cards in my name and without my knowledge that were addressed by the court. I was still going through the divorce when I first contacted XXXX XXXX of XXXX, TN but she had been told about the credit cards. The divorce was not finalized until XX/XX/XXXX because my attorneys kept forgetting things and had to file amendments. XXXX did not call. I stopped paying the premium and sent them a letter of dispute in XX/XX/XXXX of XX/XX/XXXX. XXXX 's response was to turn the account over to Transworld Systems , Inc., a debt collector, using the amount I disputed. The debt collector forwarded copies of statements issued in XX/XX/XXXX in which I was advised that they were cancelling my policy due to non-payment ( of the disputed amount ), XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. Those statements did not detail the charges. I do not wish to pay more than I owe since I am on XXXX and both cars sat parked in my driveway from XX/XX/XXXX due to my XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I  got rid of both cars and can no longer drive.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (AL)

XXXX XXXX, with no warning, unilaterally decided to block all customers accounts from transferring even minimal amounts out. Because of that, I nearly bounced a check elsewhere. 

In trying to resolve it, they requested a proof of the account where the money came from which I provided. They said I should have transfer availability within 24 hours. Its been 3 times that, they refuse to let me transfer a miniscule amount, they refuse to let me talk to their fraud department and they refuse to let me talk to a supervisor. 

I am all for fraud prevention. But there is no fraud, there was no warning. This is just shoddy business practices. 

I will be closing my account as soon as I can without incurring a fee but I have no idea how much longer my money will be held hostage because of this pitiful excuse of a bank.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have requested that Equifax ( EQ ) update the bankruptcy reporting file date in my credit file. I have submitted documentation supporting the inaccuracy. Equifax is reporting a incorrect file date for the case number XXXX. Equifax replied that I am a credit repair company, due the verbiage use in my complaint. I am enclosing a copy of my XXXX that verifies my name. The XXXX proves a level of competency. XX/XX/XXXX, EQ stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. EQ states that the public record information obtain was from a third party vendor XXXX ( XXXX ). EQ states that if I have any additional further questions contact US Bankruptcy Court. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EQ filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EQ continues to report XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EQ continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account wil be in the file for 7 years I am requesting that EQ   permanently report my correct file date as confirmed by XXXX. 
I am requesting EQ method of verification. 
I am requesting EQ update XXXX XXXX account and XXXX account.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/year> I was notified via my bank ( XXXX XXXX XXXX XXXX ) that my wages were being garnished. I was informed that they received documents from Midland and I thought it was strange because I have not received any notification about payment, settlement, or anything before this. My bank provided me with a number to call and the case number. When I called XXXX they would not provide me with any information without me verifying my identity, I questioned the validation process and XXXX different representatives hung up in my face. I did not feel comfortable providing my personal information when I was unaware of the debt. When I was able to speak to someone, I asked for copies of the judgment, the contract or any documents stating what was owed. He told me that the judgment was for {$1000.00} but they had received {$800.00} already. However, {$1600.00} was taken out of my account. I still have not been able to get any validation of the debt or the documents stating what was owed, received, or what was to be taken out of my account.
Consumer complaint received 2018-09-19
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. (FL)

Navient continues to deduct additional payments over the agreed upon amount from my checking account each month. 

In order to receive their payment rate reduction, we had to sign up for automatic withdrawal. They are withdrawing over {$900.00} per month as opposed to the agreed upon {$640.00}, a {$250.00} discrepancy. When my wife calls, she is directed to the collections department even though we are, and have always been current with our payments. 
These loan amounts, many of which were accruing 17 % interest for years of deferments, have ballooned to well over {$200000.00}. All of her education was conducted online. It seems like this is one of the biggest scams in the history of our country. Im honestly appalled by this enslavement of an entire generation.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (GA)

On XX/XX/XXXX I called XXXX because of my credit score had drop they informed me that I had a collection of {$1800.00} from XXXX XXXX XXXX The orginal Company was XXXX XXXX XXXX for a move out fee I immediatly call both companies explaining I diid not received notice of this debt from either companies. I spoke to an agent on XX/XX/XXXX about this and they told me that I owe {$1100.00} after they did some deductions for a cleaning fee I said that was redicious amount for a cleaning fee etc. I lived there for 1 yr and paid my rent in full and didnt renew my lease in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and XXXX XXXX was included in my case.. I file chapter XXXX to clean my debt and start over to become a home owner again I have work hard for the past 4 yrs on my credit trying to fix things and make my score higher I was at XXXX even thoe i filled bankrupcty icontiune to make my payments on time an keep an accurate acount of my credit report each month I was victim of identity theft in XX/XX/XXXX and its been hard on me and my credit report. I paid all my debts and was collection free until this.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (MA)

Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( # XXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 

In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved. 
The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.
Consumer complaint received 2018-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I opened an account with Wells Fargo Dealer Services. In XX/XX/XXXX a late payment was placed on my account. I still have the account open and up to date with the payments. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting to the three credit agencies. I am very happy with the service but however I am not the ideal customer and made mistakes with my handling of the account. As of right now my account is paid up to date and I haven't had any more late payments. I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which the non-payment and consider removing the negative trade line associated with this account from my three credit reports.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

I have been trying since XX/XX/2017 to lower my monthly payment on my student loan. I had it in forbearance for a year and called a few months before the forbearance to try to get the payment lowered. I am a single mom and know I cant afford to pay what they were asking but I still wanted to make some sort of payment. I was told they could only lower my payment by {$25.00}. That was not enough at this time I can not afford to pay almost {$300.00} a month to my student loan while also paying for daycare and preschool. I begged them to help me. Give me a year of lower payments just until my daughter starts kindergarten in a year and I will pay more. But they have refused to work with me. I keep telling them what I can afford and they just keep raising the payment. I know I will have to pay more interest and it will take longer to pay the loan off but right low I just need to payment lower. I still want to pay I just cant afford what they want as a payment.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX