davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
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)

I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, Experian, XXXX, and XXXX. I have sent multiple requests to XXXX, Experian, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX,  charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and Experian agencies for correction of my credit reports. I have received the same response from both Experian and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and Experian. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and Experian are not taking steps to ensure accuracy on my report or responding to my disputes.
Consumer complaint received 2018-06-19
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (NY)

I attempted to refinance my student loan with my current student loan company XXXX XXXX. I applied with a co-signor who is not a XXXX XXXX of the United States. At first, I was unsure if my co-signor would be eligible, however on XX/XX/XXXX, I contacted the company and was informed that co-signors were allowed if they had certain US XXXX. I sent my co-signors XXXX information and provided all the documents that were required. I was approved for a fixed payment of {$1500.00} for 15 years. Sofi required a few documents to complete the application, which were provided. On XX/XX/XXXX at XXXX XXXX I received a call stating the only item that was needed was a clearer copy of my co-signors ID. The ID was uploaded to Sofi 's  website at XXXX and I was told on the previous phone call that my loan would then go forward at the original terms. However, I received an email at XXXX XXXX on XX/XX/XXXX stating Sofi was unable to offer me credit as I was previously approved. They offered terms at a higher interest rate with a monthly payment amount of {$1600.00}. Sofi 's reasoning to increase my interest rate was my income differed on my application. On XX/XX/XXXX, I called Sofi to  discuss why my income had differed because I had inputted my correct income. I was informed my income was not the issue, but Sofi was unable to accept my co-signor. On this call I was told it was not their policy to accept a co-signor who is not a XXXX US XXXX. This information contradicted the previous information they provided and Sofi had been in receipt of  my co-signor 's XXXX information as of XX/XX/XXXX. However, as of XXXX on XX/XX/XXXX my  application was being accepted with my co-signor. It seems my interest rate was increased at the last hour in order to get my to pay a higher interest rate. I attempted to refinance my loan because I am currently in an adjustable rate and it continues to increase. I am beginning to struggle to make the payments and this will continue to worsen if my interest rate continues to increase.
Consumer complaint received 2018-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

After I graduated from XXXX in XXXX my payments were supposed to start for my loans. When they told me it was going to be over {$600.00} a month I told them I could not pay that and tried to get it lowered. They told me that wasn't possible and that I would either have to go into forbearance or default. Because I did this and only paid interest my loans have doubled from what I borrowed. They finally worked with me to get my payment lowered in XXXX, only after finding out my parents went through bankruptcy and my mom was the cosigner. So now I have this large amount of student loans because I was not given the correct information that I could work out a payment plan, and now I have to call back every 6 months to get my lowered payments continued. I was willing to pay, just not that amount they quoted and I was told they could not help me. This should be illegal!
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

As of XX/XX/XXXX I was informed my identity was stolen from XXXX XXXX XXXX XXXX. This was do to the data breach in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX SS # XXXX
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have just recently joined TD Bank at the beginning of this year. When I had joined they banker had signed me up for TDBank Debit card coverage. This will allow debit card purchases to be put through on my account if there is not sufficient funds to cover the transaction. During this time I have had some extreme financial hardships I have lost my job, had to help support my mother who was going through a severe separation, and also was helping a family member deal with a XXXX XXXX. During those times my accounts had become lower then usual. I would sometimes have checks bounce, or charges as little as {$1.00} dollar come into my account and cause {$35.00} worth of fees. Over the course of less then 1 year since I have had this account opened I was charged over {$2000.00} worth of overdraft fees. This is only making my situation harder. There have even been times where a {$200.00} charge was returned unpaid and I was subsequently charged more then {$200.00} worth of fees. I have called TD numerous times and they have refunded me a couple hundred dollars worth of the fees but no where near the amount that I have been hit with. I am writing to you to see if there is anything that you can do to help me.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Hello, On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX I was approved for a Lease on a XXXX XXXX. I signed the contract, they agreed to pay off our trade in with signed contract. We received a signed contract for our Lease payments etc. They called back 2 days and said we were not approved from XXXX and we had to return the vehicle. They ran my credit again with XXXX twice 3 days later after the signed contract which didn't make sense and then said we were declined. They decided to run my credit with the following companies without my approval. I never filled out an application with any of these companies. I would like them to fix my credit as by them doing that it has dropped 40 points. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
thank you very much! 
XXXX XXXX
Consumer complaint received 2018-06-20
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. (AL)

Equifax is allowing collection agencies to report inaccurate information. I called Equifax on XX/XX/2018 to discuss this problem because I've disputed false information several times in the past with no action taken by Equifax. I was told to dispute once again.
Consumer complaint received 2018-06-20
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. (MS)

This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I have a Land Patent issued to my property, which means : A patent issued, by the government of the United States is legal and conclusive evidence of title to the land/property described therein. No equitable interest, however strong, to land described in such a patent, can prevail at law, against the patent. 

The supreme court of the United States of America has upheld this time after time. No government, local, state, or federal, bank, mortgage company or speculator can take it, period. It has consistently ruled against the taking of these lands/properties for debt, which includes foreclosures, and even unpaid taxes. 

The Homestead Act stated in Section 4 : " That no lands acquired under the provisions of this act shall in any event become liable to the satisfaction of any debt or debts contracted prior to the issuing of the patent therefor ''. 

Allodial property can not be foreclosed upon or liened.

a patent to property is the highest evidence of title and may not be collaterally attacked [ State v. Crawford, 441p2d 586,590 ( Ariz. app.1968 ) ] the land patent is the highest evidence of title and is immune from collateral attack. [ Raestle v. Whitson, 582 p.2d 170,172 ( 1978 ) ] With all this, I'm filing a complaint against J P Morgan Chase Bank @ XXXX XXXX XXXX, XXXX , OH XXXX, and XXXX XXXX XXXX @ XXXX XXXX XXXX , XXXX XXXX, XXXX , TX XXXX, for wrongfully, unlawfully and illegally autioning the sell of my property @ XXXX XXXX XXXX, XXXX , TX XXXX on XX/XX/XXXX. Chase was given a copy via certified mail, of the Land Patent that has been brought up in my name, and therefore they don't have the legal authority to sell my property for which is in direct violation of the federal law. 

Therefore, I demand that Chase and their attorney immediately stop the sell of my property on XX/XX/XXXX of XXXX.
Consumer complaint received 2018-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

In XXXX of XXXX I was behind by a payment on seven private loans with Navient, so I called to make a payment and find out what options I had on dealing with the issue. 

XX/XX/XXXX I spoke with a representative named XXXX who helped me apply for forbearance and request a rate reduction program. I made a payment of {$450.00} to bring my account current and specifically asked her if I needed to do anything to ensure it wouldn't affect my credit report ( as nothing had been submitted yet ). She recommended making an additional payment to ensure it doesn't go past due while I was waiting for approval of the rate reduction program. I made another payment on the same call for {$300.00}. As part of setting up the program, I also set up autopay to have {$450.00} paid on XX/XX/XXXX and XX/XX/XXXX to keep the account current while I was pending the program. Those payments both came out as well on the respective dates. 

XX/XX/XXXX I noticed that a delinquency was posted on my account ( per XXXX ) and I was confused because I was told by XXXX that this wouldn't happen and I hadn't lapsed in payments. 

XX/XX/XXXX I called Navient and spoke with a manager in collection named XXXX. I explained what happened and asked about the credit reporting and he said they were " backed up and they falsely reported '' the delinquency. XXXX told me that " the collection will be reversed '' and on " XX/XX/XXXX theyll rescind the delinquency ''. He also informed me that I was approved for the rate reduction program and would be paying {$450.00} a month with 3 % interest rate on all of my loans for the next 6 months. 

XX/XX/XXXX My credit report still shows a delinquency so I called Navient again to follow up on the issue. I spoke with XXXX ( ID # XXXX ) who read my account notes and said there is a note that they requested it changed and late fees should be removed. She transferred me to a manager named XXXX ( ID # XXXX ) who said there was nothing he could do about reversing a delinquency. He said he would add notes to my account and request a review from an ombudsman who would review the calls I referenced and determine if my complaint was valid. He told me this person would reach out in 2-3 days at most and it's been a week and I haven't heard anything. 

XX/XX/XXXX I also submitted disputes with XXXX for the four loans that show as delinquent. I don't understand why it was only four loans since I have seven loans with Navient. This makes me think they were applying my payments to only some loans and not all of them, therefore allowing some to go into delinquency for a couple of months.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One either failed to send a billing statement, or I failed to receive it. Once I noticed the problem, I called immediately, but they had already used the excuse to jack up the interest rate to 30 %, charge late fees, charge penalty interest, and otherwise attempt to extort the situation for all it is worth. They were unwilling to restore the original interest rate, even when confronted with the issue. It appears to me that they intentionally, as a standard business practice, will fail to send a bill, then use that excuse to jack up the interest rate to penalty rates on carried balances. 

Also, though I never made any attempts to change my online username and password, they claimed that the one I kept on file was no longer valid, preventing me from logging in to receive an accurate statement of account. In order to log back in, they seek invasive personal information with could be used to further phishing scams.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NV)

Hello, MDS is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. 

Can I have proof of the debt provided and harassment ended? 

Thank you.
Consumer complaint received 2023-05-31
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. (GA)

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the conduct of Experian, one of the major credit reporting agencies in the United States. 

On XX/XX/2023, I received notice from Experian indicating that my credit report contained inaccurate information due to a wrong address. The letter stated that an employee of Experian had incorrectly listed an address that I have never lived at on my credit report. This error has had a negative impact on my credit score and has caused me significant stress and inconvenience. Please also consider that this information has previously been disputed with a credit repair service on my behalf and with no resolve. 

Despite my attempts to contact Experian to correct this error, I have been unable to reach a resolution. The customer service representatives I have spoken to have been unhelpful and unresponsive, and I have not received any follow-up communication regarding the status of my dispute. 

I believe that Experians conduct in this matter is a violation of the Fair Credit Reporting Act and has caused me significant harm. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian corrects the error on my credit report and implements procedures to prevent similar errors from occurring in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2018-06-19
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. (OK)

Experian, XXXX XXXX, XXXX - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My Rights and Protections as a a consumer were violated by Capital One, and I have exhausted all of my options at this point. I incurred a loss of upwards of {$4800.00}, because my Capital One Mobile Apps security had been breeched resulting in identity theft, fraud, and a plethora of unauthorized transactions through Debit, XXXX XXXX and XXXX a Large XXXX Transaction of {$2500.00} dollars was withdrawn/debited from my account in XXXX of this year, this was when I first noticed the fraudulent activity, I immediately filed a claim in XXXX once I was aware ( via my banking statement ). After filing this dispute, it was denied saying that there was no error found and that the transaction was made based on my instructions, this is false, Capital One enabled a fraudulent transaction via XXXX, which led me down a rabbit whole of verifying my transaction and finding that over XXXX ( and maybe more ) was slowly siphoned out of my account over months through a variety of unauthorized debit, XXXX XXXX and XXXX transactions. 

And to make matters worse, They closed my accounts in retaliation to me filing these disputes because they knew there was fraud but refused to refund me the stollen funds!