davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

I was a victim of predatory lending at XXXX XXXX XXXX XXXX and am being harassed by Navient and XXXX for over {$260000.00} in student loans. XXXX was never able to finish my degree as they never told me that they were in financial trouble, were unable to retain the XXXX. When they were ready to file for bankruptcy, they sold their non-profit college to XXXX which was a for profit college. They did not request permission to sell the non-profit college to a for profit business, which requires approval of the Attorney General. They did this behind the AG 's back and it was too late to unwind the deal as it would have hurt all of the currently enrolled students. I was in the XXXX and could not get XXXX for weeks and sometimes months at a time while being billed for dorms and other expenses including classes that I took only for the credits, as I could not get in the XXXX.. Due to the sale of the school, many of their XXXX quit shortly after. They just kept telling me they needed more and more money and kept penalizing me for not completing the training on time despite the considerable delays that they were responsible for. When my father & I went to a meeting with XXXX, XXXX XXXX told my Dad he could not guarantee any improvement in securing XXXX, and he did not recommend that we give any further funds to XXXX XXXX XXXX XXXX because he and all of the XXXX were given " pink slips '' with out termination dates on them from XXXX. He had no idea what was going to happen next. Soon thereafter, the Attorney General apparently stopped XXXX from shutting down the XXXX I ended up having to go to Florida to complete my training at XXXX in XXXX. I have never received my transcript because XXXX wanted me to pay them additional funds to receive it.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Under the terms of a time share contract with XXXX XXXX XXXX, XXXX XXXX XXXX, a XXXX time share company, my husband, XXXX XXXX, and I with the help of our attorney exercised our rights under the contract, cancelled it and returned ownership of the time share to the company. A USA time share company which books and exchanges time share units. Without permission or any right, XXXX billed us for services relating to the time share unit which we no longer own. We disputed directly with that company and its debt collecting agent, XXXX XXXX XXXX , XXXX of XXXX, NC that no monies were owed. However, XXXX XXXX XXXX reported XXXX different debts on our credit reports as if these were our obligations. XX/XX/2015, we disputed with the CRA 's and XXXX and XXXX deleted these accounts. However, Transunion continues to wrongfully report these obligations. Many people have complained to the XXXX and online that XXXX. is engaging in fraud and a scam and trying through a collection agency, to get money paid when no money is due. Because my computer is not working, I am filing this complaint through my attorney 's computer.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovate Managed Holdings, LLC (OR)

On XX/XX/XXXX, I received an alert that I had a new hard inquiry on my report, but knew that I hadn't applied for a loan or new line of credit. When I looked at my report, it appeared that Innovate Loan Servicing had made a hard inquiry. I had never directly applied for a loan with them, but in XXXX of 2020, when applying for financing for a car, XXXX XXXX apparently shopped my info out to them. I did not take a loan through them at that time and was excited for their hard inquiry to drop off of my report in XXXX. 
I reached out to them by phone and email, more than two weeks ago, but have not received a response in either form. I requested they report to the three credit bureaus that I had not applied for a loan with them. It's frustrating because I had worked hard to get my score to XXXX, and this inquiry that I did not make has taken that away from me. 

Their contact information : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit reports are extremely inaccurate and incomplete! The FCRA states that everything reported must be 100 % accurate and my reports are the exact opposite of that. Payment dates, open dates, and amounts are not reporting accurately across XXXX, XXXX, and Equifax 's credit reports. inaccurate credit reports have ruined my reputation with the banks and I am unable to take care of my family like I need to. I need all inaccurate accounts removed immediately or I will be forced to take legal action
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo is doing the same thing that XXXX did. They are charging overdraft fees without consent. I also believe that they try to make a person have an overdraft fee on purpose just so that they can charge the overdraft fee. I go by my available balance and sometimes my available balance is n't right which causes the issues.
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Re modification states according to terms provide for interest rateand principal and interest payment adjustments. Was paying XXXX monthly 2 % interest. Now new interest 9.2 % new payment with principal and interest XXXX. New monthly payment including principal, interest and taxes XXXX.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (MA)

On XXXX XXXX, XXXX I received a letter from Credit Collection Services claiming that I owed a debt to them from the original creditor of XXXX XXXX. The file number is : ( XXXX ) in the amount of {$670.00}. This is simply yet another example in a long line of fraudulent debt apparently obtained in my name. Within the last year, I have become a victim of identity theft to which someone has used some of my personal information, one of which my social, to obtain credit and then let if default. I am refuses this as my debt as I have not had an account with XXXX nor with any company alike. 

Regards, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-08-16
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. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2017-01-10
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

I was contacted by their company to consolidate my loans, the man on the phone said it was the right thing to do and he cared about my problems. I was already paying another company {$5.00} a month, but was told consolidating with their company was the way to go. The man on the phone said it was easy and would walk me through all the steps on the computer. Of course, it was not easy and took much longer than expected. The man spoke very quickly ... I had little time to think about the decisions I was making, I just would click the buttons and move on. I chose the REPAYE payment plan which showed that I should only pay about XXXX-XXXX dollars per month as I make XXXX per year and care for my invalid mother. Now I have received a bill from their company for {$400.00} per month! One is already overdue! Worse yet, I went to the Dept. Of Ed. website and my student loans have appeared to double!!! As their company AND the previous company are showing me owing them both for the same student loan! I thought I was doing the right thing, I wanted to get my loans in order after years of neglecting them ... but this company has taken my trust and used it to their advantage! I will never be able to make these payments!
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (WA)

I reached out to Equifax in XX/XX/XXXX and spoke with associate ID XXXX, XXXX, and explained to him that XXXX XXXX, a collection on my credit, is reporting incorrectly and I have submitted evidence that I do not owe this debt by providing emails from the company stating I do not owe the debt. XXXX advised me to file a complaint with FTC and to send a letter, copy of my complaint and copy of my drivers license and social security card. I did as requested and mailed it to the address they provided me the middle of XX/XX/XXXX. XXXX advised me that once the reporter documents are received, the collection will be removed from my credit. I called back two weeks later and spoke with associate ID XXXX  and she advised me that nothing received and she was unable to find my mailed in documents. She advised me to fax it in and provided me with a fax number. I faxed all the required documents in XX/XX/XXXX and have confirmation the fax was delivered. On XX/XX/XXXX, I called back and spoke with another rep and he stated the fax had not been received and he was not sure why. 

I have been disputing this collection for 4 years and Equifax has not deleted this from my credit report even after I sent supporting documents stating I do not owe the debt. They asked me to mail my FTC complaint with a detailed letter and then they advised me I fax it, which I did. I was told the collection would be deleted once my mailed documents and/or fax is sent in. It was mailed and delivered and Equifax continues to tell me nothing has been received and are giving me the run around. 

I called the today and the associate is telling me to dispute it again. I advised him I have since XXXX and they refuse to delete it, even after I was advised it would be once I mailed in what they asked for. I have spent countless hours on the phone with them with no prevail.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed account. If they failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2016-02-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (VA)

Consumer Collection Services XXXX XXXX XXXX, XXXX, MA XXXX M-F : XXXX - XXXX, Sat : XXXX - XXXX ET XXXX / XXXX + multiple other phone numbers CALL CENTER SUPPORT : XXXX XXXX : XXXX A. ( I 've withheld the name of the debtor ) These people WILL NOT STOP calling me. I have told them repeatedly that I am not the person they are looking for, I do not know him, I have never met him. He does n't live in my home & he does not own the rights to this phone number. 

They are making my life miserable with the non-stop calling. I have reported them to the DO NOT CALL LIST & FTC.gov. 

Thank you.
Consumer complaint received 2015-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On my XXXX report and it 's a lot if inquires showing that I attempted to open up a numerous amount of checking accounts I 'm very upset because that 's false in, sure it happened when my wallet was stolen and I had a fraud alert put on y actual credit report so how could this had happened
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (MA)

I signed a six-month contract at XXXX in XXXX, Massachusetts, and kept my copy of the contract, on which the manager had hand-written and initialed " 6-month contract ''. After six months, I attempted to cancel the account, and found out that the gym manager had later checked off " 12 months '' on the contract. The gym continues to send bills for increasing late fees, and debt collection notices. When I contact the gym, they say " I only work here - you have to contact our billing agency, ABC Financial. '' When I contact ABC Financial, they say " Our documents indicate that you have a 12-month contract. IF you have a dispute, you should take that up with the gym. '' At the gym, I was told that the manager who falsified my contract no longer works there, and that they ca n't do anything.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (OK)

Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX.
Consumer complaint received 2024-10-25
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am trying to get the document stating when my current promotional apr ends. I have called Capital One several times and each time I get a different answer. I believe they are giving me this bad information so when the APR changes I will be stuck with a higher APR charge where presently I have a XXXX % interest charge. I have asked them to send me the information but they claim they cant do that. Unfortunately I lost the original terms of agreement. They have given me verbally XXXX different dates of the rate change. 
My other credit card company XXXX provides this information monthly
Consumer complaint received 2022-10-26
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. (PA)

XXXX XXXX, 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.

These following names, accounts & addresses are incorrect and are violations to my rights : Name ( s ) : XXXX XXXX XXXX, XXXX XXXX XXXX Account ( s ) : XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX ACCT # : XXXX, XXXX/DEPT OF XXXX ACCT # : XXXX, These following addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX, 15 U.S.C 1681 Section 602 A. States that 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. Section ( a ) ( 5 ) : States that 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 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.