davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

I was a joint owner of account numbers XXXX and XXXX. The bank removed me from these accounts. I do not know why the removed me from these accounts. The previous joint numbers were XXXX and XXXX won this money through settlements, stocks, and other accounts. 

The bank was not supposed to close the account number XXXX Wells Fargo bank. These bank accounts are associated with pension, stock accounts, and other winnings that my father, XXXX XXXX XXXX and I have won. They are now allowing fraudulent usage of the checking accounts by someone other than my father and I. Someone used the account at an atm. There was {$12000.00} stolen. We are almost homeless.I need the money returned, to the account, to repair the home, purchase medicine and other personal care. I was a joint owner. Why did he allow someone to remove that much monetary funds from our joint account? My father and I are hurting emotionally, mentally, physically and psychologically.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

To whom it may concern it seems XXXX XXXX and equifax are missing my phone # so i wanted to update this with both as my main line is XXXX ( cell ) and my back up line is XXXX. Just want to get this updated asap thank you.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (FL)

I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from XXXX XXXX XXXX XXXX, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692XXXX ( I ) & XXXX XXXX XXXX ( XXXX ) ( i ). XXXX XXXX XXXX XXXX is now civilly liable to pay for damages.
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (FL)

Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have several federal student loans through Navient that were taken out in 2005 for XXXX XXXX XXXX XXXX XXXX. Through the years I have not been able to pay so I have been enrolled in an Income Based Repayment Program, which after so many years my loans would be forgiven IF I renew every year. Every year for about XXXX I have had no problems, until last year. I, like so many others lost their job during Covid lockdowns and safety measures. So I ended up on unemployment, making less than the previous year - which like so many years my XXXX XXXX XXXX XXXX ( XXXX ) annual renewal had zero problems. But when I make less money, I get repeatedly denied - just like this year when I applied in XXXX, receiving my rejection letter on XXXX. Currently I make less than {$1000.00} a month. Per the laws I am entitled to financial help, which Navient has denied for a second year in a row. Last year after literally yelling and screaming on the phone I was able to get my XXXX instated after seven months of fighting. And even then I was lied to because I was told I would only have to pay {$17.00} a month but actually paid over {$24.00} a month, so you can see I have zero trust for Navient and its practices due to their repeated disingenuous actions. 
This years rejection letter stated that because I am paid XXXX out I am not eligible for financial help. Why am I paid 12 months out? Why do I continue to be rejected when I make even less money each year for the past two years? No one will answer me in the multiple attempts trying to contact Navient. It is my belief since my loans would be forgiven in about XXXX Navient is now trying to ensure that I fail at my renewal so they can up my monthly payments, and ensure that my loans never are forgiven. Since I had so many years of successful annual renewals for my XXXX program, its really the only avenue I see from their repeated behaviors over the past 24 months. Also since the loans have been issued I have received at least three class action suit payments due to Navient 's blatant infractions, which reinforces my belief that Navient is now being disingenuous and again attempting illegal business practices ; because after all the crime is more than the fine these days. And lastly I believe I illegally paid Navient last year and now they are trying to cover it up saying I am paid over 12 months out. Thank you for your time and any help in regards to this matter.
Consumer complaint received 2022-01-27
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. (MD)

Sent Equifax a letter stating I wanted a investigation into 5 of my accounts that I feel are inaccurate. Its now 45 days and I haven't gotten a response from them about my investigation
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-01-27
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

For a couple years now, XXXX is the only report I can get on annualcreditreport, com. Equifax always errors out, and XXXX always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while Equifax and XXXX are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-23
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. (TX)

My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.
Consumer complaint received 2022-01-27
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)

Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IN)

XXXX ) XX/XX/2019 Purchased new mattress from Mattress firm with a new account issued by Synchrony Bank. 
XXXX ) Purchase amount was for {$2600.00} and qualified for 0 % for six years. 
XXXX XXXX Synchrony Bank refused to honor the sales agreement financing. 
XXXX ) Consumer attempted on numerous occasions to have Synchrony bank update and correct the account details. The attempts were via telephone, emails and mail. 
XXXX ) Synchrony bank continuously made threats to report the consumer as delinquent to the credit bureaus despite been provided confirmation from Mattress firm that purchase qualify for 0 % for 6 years. This was a violation of fair credit reporting act and caused damages exceeding {$6500.00} in home refinance and car loan. 
XXXX ) The law firm of XXXX XXXX XXXXXXXX has repeatedly refused to provide all information pertinent to this account such as A ) all Statements, B ) correspondence c ) Telephone call recordings and needs to be investigated as an accomplice in the fair credit reporting and Deceptive marketing practices. 
XXXX ) Exhibit a-c clearly show that monthly charges and interest charges were invalid.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX Equifax furnished a consumer report with XXXX XXXX XXXX  Account # XXXX without my written instructions that is needed in accordance with the FCRA On XX/XX/XXXX I disputed the matter via mail and filing a CFPB complaint. I sent the mail certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX Equifax sent me a notice of their investigation and an update of the account being DELETED. Deletion after my dispute is admission to their in accuracy of their mismanaging procedures which has affected my credit score and harmed me the consumer. Equifax Is Now civilly liable {$20000.00} Pursuant to 15 USC 1681n for actual damages sustained by me the consumer such as mental anguish and emotional distress for them reporting inaccurate information on my consumer report and all of the stress I went through to have the wait for the account to be deleted and for failing to comply with and being in accordance with all applicable law such as the FCRA. Equifax is also civilly liable {$3000.00} pursuant to 15 USC 1681 for violating and furnishing on my consumer report which should be excluded in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) ; and 15 USC 1681a ( 2 ) ( B ) which states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' ; " and report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' should be excluded from a consumer report which Equifax included in a consumer report with XXXX XXXX XXXX  XXXX XXXX. Not to Mention the {$1000.00} that Equifax is civilly liable for, for not being in accordance with 15 USC 1681b ( a ) ( 2 ) which states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) States that a consumer report can only be furnished " In accordance with the written instructions of the consumer to whom it relates. '' I never gave Equifax any written instructions to furnish anything on My report and this is the basis and cause of my dispute.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I have two small claims suit from Midland credit, justice of the peace XXXX place 1 court. cause # XXXX and XXXX, I was not notified of debt prior to small claims suit. I was first served on XX/XX/XXXX, during the height of the pandemic. Research showed me that Midland did a hard credit inquiry on my credit report on XX/XX/XXXX before assuming the debt. Midland created a small claim suit that states ; 1. account last used XXXX 2. fraudulent documents of name and address and phone number 3. collection statements on credit report with incorrect dollar amount 4 , fraudulent date of assumed debt 5XXXX fraudulent statement of notification
Consumer complaint received 2023-06-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

In XXXX, my wife and I consolidated our loans into a single FFEL Spousal Consolidation loan. This loan was recommended by our loan servicer Sallie Mae. WE had no idea this financial product even existed. In XXXX, we discovered that we would qualify for Public Service Loan Forgiveness ( PSLF ) program. WE contacted our servicer and they told us we would qualify, we need to be in Income Bases Repayment, and that we need to keep working at a nonprofit. We recertified every year with Sallie Mae ( Navient ) : XXXX, XXXX, XXXX. XXXX through XXXX I spoke to a Navient representative and she informed me that our loans would not qualify for PSLF because they were FFEL Spousal Consolidation loans. They said I could qualify if I reconsolidated into Direct Loans with Department of Education. I called the DoE and went through my loans with a DoE representative and they said that I could reconsolidate. I filled out an application and waited and was denied the consolidation, wrong loan. The DoE said I needed to talk to Navient and they could change the loan. Navient said that they could do nothing so I needed to talk to the DoE and they could change the loan. On and on and on. Neither Navient nor DoE have ever given me consistent correct information about this loan. Ever.
Consumer complaint received 2022-01-27
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: I.C. System, Inc. (MI)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to IC Systems. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (GA)

Case ID : XXXX Disputed amount : {$350.00} USD Seller info : XXXX XXXX PayPal-XXXX XXXX XXXX : XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$350.00} USD Further, it is clear : 1. That the above referenced transaction was not endorsed, signed, authorized, ratified, either expressly or by implication, by me or with my knowledge or consent.

2. That I did not receive or retain any benefit or value from the transaction, either directly or indirectly.

3. That, in fact, PayPal representative already confirmed that transaction was completed by the third-party email XXXX without my permission and for the benefit of XXXX. 
4. That PayPal favors XXXX against me as victim of fraud. 

THEREFORE, XXXX is requested to provide copy of the third-party Manuel Climent of XXXX authorization to act on behalf of me and/or authorization to inquire charges on my PayPal account. 

Attachment : Attached proof that XXXX authorized third-party Manuel Climent of XXXX to inquire charges kept by XXXX without my permission.
Consumer complaint received 2023-06-09
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. (NJ)

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 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 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I messaged fed loan about the waiver XX/XX/XXXX. Got a message back XXXX asking if still an issue. I replied yes, XX/XX/XXXX they asked for more info to check the account. 
I have not heard back. 
I was given bad info while finishing bachelor and masters about my repay options with PLsF. Guided to the wrong payment plan and never informed I could not defer in school and make a lower payment than the full payment and it would count. 

To make matters worse I never was notified I could consolidate my XXXX and XXXX loans into my direct ( these payment counts would have been higher and I would have been forgiven ). Instead I paid XXXX $ or more in the last year paying it off because navient kept losing my payments until I was paying more than the minimal payment. I have worked in public service my entire career. First as a XXXX  at XXXX XXXX  since XXXX. Then as an XXXX at XXXX XXXX  until a year ago when I switched to XXXX  as it was closer to home. 

Had the waiver information been well disseminated I would have XXXX $ in my retirement fund and have started my kids 501 accounts. It is my sincere hope there is something that can be done to either count the payments paid towards my total and my more than 10 years of public service and at least forgive the remaining XXXX. Would have been XXXX had I choose not to pay extra in hopes of freedom at some point that is now to My own determinet. The hold time to talk to someone at Fedloan is not realistic with small kids and a career in the hospital during Covid abs no one responds via messages.