davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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. (AL)

I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with Experian and XXXX  and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

First of all, Citi allowed online application to open the account without any notification about XXXX. Next, tax is deducted on savings interest and does not notify why interest is deducted without notifying even then that XXXX is not available. Only after I reach out multiple times, I am told XXXX is not on file and hence tax is deducted. Then I get a mailing address to send XXXX via US mail. When I followup a week after mailing because the tax is deducted even for the second month, I am told the address I mailed is incorrect because I was given incorrect mailing address. What is so bad is XXXX has complete information that includes full name, address and SSN. Now Citi is asking me to send the XXXX again to another address stating that is correct address. I can not XXXXmagine how bad this is because someone now has my personal information.
Consumer complaint received 2017-06-21
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 been XXXX for 21 years. I began my student loans with {$25000.00} and currently owe {$38000.00}. In my federal student aid report it does not show my repayment plan type or PSLF. Any time that I have called Navient, or XXXX XXXX before my loan got switched to Navient, for assistance or options I have been immediately granted a forbearance, but have always been told that I did not qualify for any types of forgiveness either because of the type of loan that I had or my income. I spent my first ten years in XXXX in XXXX that were XXXX XXXX XXXX. The following nine years were XXXX XXXX targeted XXXX. I had colleagues with other loan service providers that were able to get some loan forgiveness with their loans, but I have never been able to receive anything other than forbearance from Navient.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXXXXXX XXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

inquiries on my credit report that I believe are a result of a data breach. I've reviewed my report and identified several inquiries that do not belong to me. I'm concerned that these unauthorized inquiries may be negatively affecting my credit score.

I understand that data breaches can lead to fraudulent activity, and I'm worried that these inquiries may be related to identity theft. I'd like to request that my credit reports are investigated and remove these unknown inquiries from my report.
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: KEYCORP (NY)

I 'm using this app called  XXXX  to help me get my paycheck sooner and my bank , keybank, is not sending over the required information to allow me to do this. This has gone on for about a m onth.
Consumer complaint received 2024-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-17
Product: Credit reporting 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)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2018-09-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (TX)

This company XXXX XXXX was hired by XXXX XXXX XXXX XXXX to collect a debt that was discharged in  a Bankruptcy due to medical reasons. It was filed in 2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. XXXX XXXX XXXX XXXX is intercepting my tax returns, even though they have collected over {$27.00}, 000 through wage garnishment. 
When I call XXXX XXXX, they refer me to the XXXX XXXX XXXX, and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : Unknown Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXXcount Name : XXXX and list of Inquiries 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 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 2019-04-11
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: JPMORGAN CHASE & CO. (NY)

To whom it may concern Somewhere in XX/XX/XXXX my credit card account with Chase Bank was signed up for E-statements. I never approved that. Therefore, I did not receive my statements. My email address was, at the same time, spammed with hundreds of emails from Chase stating : Your point transfer is now complete. ( please see enclosed ). It seems that all this was a Chase computer glitch associated with my credit card account. 
All this had caused me to be unaware that my account had an outstanding balance. Therefore, the balance was not paid and it was a bit over 90 days late. Once I was made aware of it, I made a payment right away. 
I am applying for a mortgage and this matter was very urgent to me. 
I contact my Chase Bank manger but unfortunately he was not able to help. 
On XX/XX/XXXX I contacted Mrs. XXXX from The Chase Credit Card Executive office and was told that this matter will be investigated and I will be notified with results within the next few days. The following few days I tried following up a few times but I never got a response. On XX/XX/XXXX I got a phone call from Mrs. XXXX that unfortunately Chase is not willing to remove the 90 day late from my credit report even though she basically admitted that it seems like this was a bank error. 
It is very clear to me that I never signed up for Estatements and never gave consent, so there for I never received my statements. ( They were not even properly delivered to my inbox as I was spammed with hundreds of emails from Chase ).
Consumer complaint received 2018-07-26
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. (IL)

Upon dispute with XXXXXXXX XXXX  acct # XXXX due to identity theft XXXXXXXX XXXX have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, Experian and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (OH)

XXXX was deleted but reinserted into my credit files with XXXX and equifax   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

While on business travel in XXXX, I attempted to withdraw cash from an ATM. The ATM retained my ATM card and the interface screen indicated that my ATM card was being held for security purposes. Later that night, I checked my account and discovered that multiple ATM withdrawals had occurred in the course of the several hours after I attempted to withdraw funds. I immediately called Chase and informed them that fraudulent activity had been occurring on my account. In subsequent correspondence with Chase, I learned that my ATM card had been used ( or attempted to be used ) at over 30 different ATMs throughout XXXX that evening, with at least 15 of such attempts resulting in amounts withdrawn from my checking account. Chase later disputed my claims of fraudulent activity on the basis that there wasn't sufficient evidence of fraudulent activity -- notwithstanding that my ATM card had been used ( and attempted to be used ) at over 30 different ATMs throughout XXXX in a single evening. I believe that Chase is attempting to shift its burden of protecting against consumer ATM fraud to its customers, and is negligent in its handling the basic indications of ATM fraud.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX Was removed from my XXXX report but still remains on my XXXX. They relentlessly call 10 times a day. Its an old debt from XX/XX/2011 reaged to ruin my credit and is therefore violating consumer laws
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed.

Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.

After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian credit bureau has been reporting inaccurate information. I have reached out to them and the creditor  XXXX   XXXX . This account is very embarrassing and has caused me miles of  XXXX . The account is reporting neg. and late in which I have paid the account off in full. I am aware that if all of the information is not reported correctly then this account needs to be removed.
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NC)

I learned about my debit when I was denied for a car loan. I had a perfect XXXX score and to my surprise, I discovered I had a XXXX and did not know why. After pulling my credit report it I found that I had a debt against me of over {$700.00} from XXXX. All I could find was the name Sequium Asset Solutions. I spent the next 3 days calling, emailing and leaving voicemails. I never received a return call. On the 4th day, I was able to speak with one of the rudest people I have ever spoken with. I was unable to provide any reference number as I had never received a single letter, email, or phone call notifying me of the debt. I was finally able to get the woman to pull up my information and they had an address that I hadn't lived at in 10 years. The woman continued to be rude and kept asking how I planned to pay for the debt. It appeared to be from an account I opened when I was XXXX, but that my parents had closed and might have not paid the bill. I don't have any proof of the debt or any paperwork on my rights or how to pay it, but yet they keep increasing the cost even though I was never notified. I learned of the debit on XX/XX/18 and set emails the XXXX, XXXX, XXXX. I also called all 3 days before finally reaching someone.
Consumer complaint received 2018-07-01
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. (HI)

Ever since I have been working with Navient when it transferred from Sally Mae I have never been able to get a forbearance and to this day have failed to get a low income driven payment.

I have tried many times via fax mail or with the phone app. And still either missing a page or never received.

After graduating XXXX College in XX/XX/XXXX I was unaware of the debt I would have. Continuing my education at another private school as XXXX  College recommended .. I am now {$75000.00} in Debt. Thanx to high interest while I was still a student and thanx to Navient destroying my credit report, I have tried working with them to get help as I was denied my private loans I was approved at our local XXXX college due to my high debt. But I need to finish my education. Navient has made it impossible to work with, calling me at weird house, unable to get through there automated system, then unable to get forebareance. Never had this problem with XXXX XXXX. I need help as my students loans are becoming even more maxed out. I barely work as I have to take care my family I should be getting my education but I cant because of all this interest that is eating away my educational enlightenment.

Please help XXXX College was a fraud. Although they didnt get in trouble until XX/XX/XXXX. They acted the same way probably since its foundation. High interests, talk students to go to private school and never had life long job placement. They lied. They are no longer and I feel my degree is worthless. Navient refuses to listen or help mediate my frustrations. {$75000.00} debt. I am a mother of XXXX and stuck with my associates. Help!!