davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (IL)

XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) defrauded and misled me into believing the school had a high graduation rate and was regionally and nationally accredited with the U.S. Department of Education. I attended from XX/XX/XXXX until around XX/XX/XXXX. They misled me to believe their credits could be transferred to any 2-year or 4-year college or university in the region, which I sadly discovered not be true. Financial aid advisors and program advisors continuously persuaded me to register for classes and sign for very high loans for at least three quarters. They did this even when I showed inability to pay the loan debts and even when I was not passing all of their courses. I was always advised to sign for these loans without reading the loan agreements and promissory notes. I was always rushed. They even went as far as having me sign a recourse loan with the school, just to allow XXXX XXXX ( now Navient ) to disburse more funds to their school. Over the years, these loans both federal and private, have negatively affected my credit report and scores, I have defaulted on some of the federal loans, I am currently not eligible for FAFSA grants due to those defaults, and I have also had my wages garnished because I was unable to pay on time. It has been over ten years and I still have high loan balances, both federal and private. My outstanding private loan balance is {$21000.00}, still accruing interest. XXXX XXXX ( formerly XXXX XXXX ) has denied and ignored every direct and indirect request made for copies of official and unofficial transcripts. I highly believe their practices were unethical and illegal. They preyed on me and many other young adults and for myself, this fraud has ruined me financially. I 'm still paying for it to this day and I have nothing to show for my XXXX dollars of debt. I was misled and lied to by this for profit institution. And now, XXXX XXXX ( formerly XXXX XXXX ) have closed their doors to new students. The school is no longer in business. Based on their fraud and predatory actions, I am seeking all the loans be discharged and reimbursement for payments made both voluntarily and involuntarily.
Consumer complaint received 2024-08-23
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. 
We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. 
What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i prochisted XXXX transactions XXXX XXXX XXXX NY XXXX XXXX XXXX ACH CREDIT BALANCE REF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX i paid everything before i left the country now they are accusing me for late fees
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

I have a loan that was formerly serviced by XXXX XXXX, and is now being serviced by Navient. XXXX XXXX allowed me to access my loan details, which included principal balance, accrued interest, interest rate and type, and monthly payment amount. This monthly payment amount was periodically reduced to reflect my excess loan payments ( I assume ), so that information helped me to adjust my payments when I wanted. Navient, however, has changed their website and decided that my monthly payment due is n't information that 's important for me to have. Additionally, I used to be able to view statements online. Navient has decided that monthly statements are superfluous, and are also not needed by borrowers. So I 'm basically paying for a loan and tracking the balance myself, while Navient withholds information and will probably show a balance that 's higher than what I have in my records. Did I mention that the only information that is currently available about my loan is the principal balance, interest accrued, and past payments? I do n't know why private student loans are even still legal in this country, but this is XXXX ridiculous. If you guys at the CFPB have any power, the least you could do is stop allowing these predators to withhold information from us and prohibit interest rate increases on loans. I 've made consistent and SUBSTANTIAL payments on all of my loans for the past 5 years, and I should n't have to deal with this XXXX.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (ME)

someone from XXXX XXXX XXXX, phone number XXXX has been calling daily stating they will take legal action. They do not state whom they are calling for and the message is a robo-voice. I have received no written information on this debt and there is no listing anywhere for a collection agency called XXXX XXXX XXXX. I do believe this is a scam
Consumer complaint received 2015-11-23
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (CA)

I purchased an IPod from XXXX online. While the transaction went through, I tracked my order on line after I got a message that read order cancelled. I contacted Ace/elite Net spend and a Customer representative informed me that the " money was still there '' but had been frozen after a few days of the transaction and referred me back to XXXX. When I contacted XXXX they reported they could not 'pull their money. Again XXXX asked me to go back to Ace/Elite Netspend and a Clerk advised me to get back to XXXX and requests XXXX makes a Request in Writing!!! XXXX this time, I felt Netspend is playing games with my money and I request my money, but I am being shuffled around. 
I am demanding my funds effectively immediately.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

This was a case of identity fraud. Someone was using a stolen checkbook and my name for various things during this period. The person/persons were prosecuted. XXXX of them were caught at a bank cashing my checks, along with others. I did not file identity theft because I did not know until later and was too busy fixing my own life.
Consumer complaint received 2016-01-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Neon Newco Corporation (TX)

I was never contacted by the lender. Not even once. 
XXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On or around XXXX/XXXX/XXXX i contacted Huntingon Bank to remove myself as an authorized user on a friends credit card account ( XXXX XXXX ). In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to all XXXX credit bureaus and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval.Huntington Bank supervisors show no compliance. Huntington Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have recently submitted a complaint regarding alleged fraud thought to be perpetrated on my sister and mother through XXXX XXXX, now XXXX. As of two days ago, XXXX has placed a hard inquiry onto my own credit report. They were not given permission, I did not ask them to, it 's harmed my credit by XXXX points, and I did n't submit for a loan, mortgage and was in no way even in contact with XXXX. 
I believe XXXX may be wondering who I am and have sought information about me through a hard credit inquiry. See below.. 

Hard Credit Inquiries Since your last update on XXXX XXXX, 2016, XXXX inquiry has been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2016 Equifax You now have XXXX inquiries on your credit report. 
View Credit Inquires View Credit Report
Consumer complaint received 2016-03-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (TN)

On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.
Consumer complaint received 2015-06-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Guidiville Indian Rancheria (CA)

I got a payday loan of XXXX. The XXXX thing they did was charge my payment on the wrong day then add those fees, the XXXX thing was they did n't take the whole payment but started charging me every month at 1140 % .Then I refinanced, but they tricked me and I had to pay more to pay off my existing loanand get a new one! Not what I was told!
Consumer complaint received 2016-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

My loan is in default and a debt collection agency named Conserve took over the account. They added a XXXX wage attachment to my payroll check, and each year my federal and state tax is offset and is applied to the student loan. So far, conserve has collected XXXX, for the defaulted student loan. They agreed to put me in a rehabilitation program by allowing me to make 9 voluntarily payments of {$69.00}. After I made the 9 payments they told me I needed to pay {$91.00} instead. I was perplexed, because they took the payments out of my credit card with my permission and they are receiving {$380.00} a month out of my pay check. So now they have not allowed me to get into the rehabilitation program after they broke our contract. I called Higher Education in XXXX. and they explained that my account is now with the debt collection agency Conserve and they can not help me. Also I borrowed {$16000.00}, of XXXX Loans and paid back {$15000.00}, and Conserve is telling me I still owe them {$19000.00}. How can I owe back {$34000.00} off of a XXXX Loan for {$16000.00}. Please help me with this matter I think I am being over charged and defrauded by the debt collection agency Conserve.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (AL)

First National Collection Bureau, is attempting to collect on a bill that is 10 years old. I complained to XXXX last year about they could not try to collect on a debt over 7 years old and they agreed and they said they would not attempt to collect on it anymore. Now i receive a collection letter from First National Collection Bureau, trying to collect for XXXX and they know they ca n't make a consumer pay after 7 years but they are still trying to collect anyway. I have a letter from XXXX stating they will no longer collect because its past the 7 years, and they said their is a statue of limitations. If the consumer is suppose to follow the status of limitations rule, then show should collection agencies.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MS)

I am in the process of improving my credit score. When I notice that XXXX Bank and XXXX has done several inquiries on my credit report without my permission. I had purchase a car though them in XXXX, but the inquiries are in XXXX. XXXX report has XXXX inquiries and another has XXXX. Recently, I saw that XXXX XXXX has done XXXX the end of XXXX of XXXX. These inquiries were with out my permission. I sent a letter to the credit bureaus about the XXXX the bank has received, without a response. This is inappropriate action on the credit bureaus behalf.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

Tried to get my report and was unable to do so even though I tried through all three companies. Experian said they were " Unable to honor your request. '' XXXX told me I had already received it and XXXX said there was an error and that my report could not be pulled. I have essentially no credit history because I have never borrowed money but I need the report for a job application and have obtained one before for this purpose with no trouble. I am wondering if the issue is that there 's no history so there 's nothing to pull. Called a few numbers and got no help. Ca n't even request one to be mailed to me.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

The New York State Supreme Court had dismissed the XXXX XXXX Bank XXXX in the index number XXXX,. I have enclosed the copy of Supreme Court order. Experian Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Experian did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I am submitting a complaint in regards to identity theft on my credit report. Experian has done nothing to remove this fraudulant information. Today I finally received notice from XXXX that they have completed there investigation and it proves there was identity theft and they will notify the credit beaurous to remove this information off my report. I have XXXXother accountXXXX that was done fraudently and I have been disputing this information but experian just keeps updating my report and leaving it on there. A XXXX account was opened up in my name and it keeps reporting as negative on my credit report. I also have XXXX other accounts XXXX ... .XXXX ... .XXXX ... ..that are reporting negative on my experian report which is incorrect. I have disputed this information numerous times and also submitted to them XXXX seperate letters that were straight from commenity bank who holds these XXXX accounts. The letter states that these accounts were not late and my report should be updated. These accounts are suppose to be showing as satisfactory on my report. I am getting the run around with these credit reporting agency 's. This incorrect information is hurting my credit score.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-07-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Last week we settled a debt with the law firm, XXXX , XXXX XXXX XXXX XXXX, XXXX. They represented Huntington Bank in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

Car Hop and UAC are reporting incorrect information on my credit reports. I have made a lot of calls to them and nothing gets fix. I get treated very poorly by there reps and hung up on. They have that I missed payments when I didnt and reported that this account was charged off when it was not, it was still a open and active account. I paid it off now and it says I paid a closed charged off account.
Consumer complaint received 2024-10-10
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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