davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

My name ( attachments are the account history & correspondence letters ) I have a complaint against this company ( Navient ) regarding a 90 day forbearance that was applied XXXX XXXX. I received a disaster relief forbearance and still was penalized for non-payment for XXXX I was told by the representative my payment would begin in XXXX. I received a letter XX/XX/XXXX stating payment due {$320.00} for due date XX/XX/XXXX. 
Past due notice with interest of {$230.00} dated XX/XX/XXXX with a notice of {$650.00} due XX/XX/XXXX. So from the statement I have been penalized for XXXX & XXXX. 
This was listed in the letter that I received XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX-XXXX  Navient.com Because the borrower of the above referenced loan resides in a county or jurisdiction that has been designated as a disaster area, we have applied an administrative forbearance on the loan postponing the next payment due. You don't need to make a loan payment until after the forbearance ends.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority (NY)

Former student loan servicer, XXXX sold loan to KHEAA. I received a bill from KHEAA for {$50.00} due in XXXX which I paid and then KHEAA sent me a packet saying that my loan will be subject to treasury offset. I was wrongfully denied by XXXX the chance to rehabilitate my loan which they admitted to in an email. Also, I made timely payments to HESAA until I filed chapter XXXX in XXXX of 2019 and resumed payments in XX/XX/2019. I can not access my loan information and they will no longer service my loan over the phone and KHEAA can not be reached by phone and I also registered on their website and it says I am not permitted to view loan information though registration was successful. I am also disputing the amount of the loan as I do not have verification that payments have been applied to the loan and that the correct information was transmitted to KHEEA. My loan should not be subject to offset, it is current, I make payments and I was denied the chance to remove it from default.
Consumer complaint received 2020-02-12
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. (FL)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-06
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. (FL)

I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXXs - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt. 
-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. 

Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. 

Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.
Consumer complaint received 2020-03-06
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NC)

I opened an savings account with credit karma. On XX/XX/XXXX I transferred XXXX dollars then again on XX/XX/XXXX I deposited XXXX dollars then another XXXX dollars. The money came out of my main account and the balance also reflected on my savings account, but when I went to withdraw money it told me that I could only withdraw XXXX  cents. I contacted credit karma through online chat because they dont have a phone number for customer service and they told me I need to contact my bank for help.
Consumer complaint received 2020-01-22
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. (NJ)

XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed  immediately!
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

Someone fraudulently got a hold of my debit card and used CashApp to withdraw funds over 200.00 and overdrew my account. My bank cancelled the card, issued me a new one, investigated and refunded the money and reversed the overdraft fees. I have NEVER EVER USED CashApp and recently I received a CashApp debit card with the account $ XXXX ( my name and they have my address ) in the mail to activate. The 800 number does not connect you to a live person to have this account closed and the only way you can contact them is if you actually have an account and you can email them. I used my relatives account to email them and I have not received a response. I just want the fraudulent account cancelled as I have never opened one so that no one can do this to me again. There should be a way to contact these people in the event of fraud but is simply no way if you don't have an account!
Consumer complaint received 2020-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on  these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Trying to unfreeze my credit report to apply for loan. Correct information was provided but was unable to get my credit report open unless I apply online or by mail. By mail will take at least 15 days. 

Equifax would not let me take to a person to go over require security questions. The only contact was with automated phone service.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AL)

I was recently approved for a Chase Sapphire Preferred credit card with a credit limit of {$5000.00}. And my account was closed by Chase for absolutley NO reason. I have done absolutely nothing wrong at all. I have not opened up various new accounts recently, have a string of new inquiries and have never missed a payment on ANY account ever. I have submitted a copy of my birth certificate and Social security card to chase for verification of my identity, so I have done nothing at all to arise suspicion of fraud or not being who I claim to be. 

I would like to humbly ask for Chase to reinstate my account.
Consumer complaint received 2020-01-22
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. (FL)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I believe that somebody used my personal information and applied for this.
Consumer complaint received 2020-03-06
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. (TX)

Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

My chase account was hacked and a check was debuted to my account. I caught the deposit the next day with XXXX STILL in the account and Chase granted me a new checking account 3 days later. They soon let me open a business account which they then seized funds and stopped all payments on bills saying i was the one that committed fraud. I had spoken to the fraud department AND A BANKER. They waited 6 weeks for me to add money to my business account where they then shut down all accounts and took my money. I asked for the cameras which they would not produce. I am unable to open another account and i am now in jeopardy of losing my business due to Chase. The management was poor and very disrespectful also. They moved payments and then ACCUSED ME of using those illegal funds to pay my tuition when i had a cash deposit a couple of days before.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.
Consumer complaint received 2020-03-07
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. (TX)

While the FRCA creates the credit repair process, the XXXX XXXX XXXX XXXX regulates the credit repair industry. ... The law recognizes that consumers need to maintain a high score and have a right to seek assistance to correct their XXXX XXXX, XXXX all navient loans office of the atty XXXX XXXX fed XXXX ser navie XXXX XXXX credit collection sevic navient XXXX bank XXXX XXXX CFPB XXXX XXXX XXXX Largest XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Every Stage of Repayment The Fair Debt Collection Practices Act, Pub. L. XXXX ; XXXX Stat. XXXX, codified as XXXX U.S.C. XXXX XXXX, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that Act
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

CapitalOne restricted my savings and checking account in XX/XX/XXXX due to some bogus claim from a wire I received to my account ... : .the sender of the wire claim it was sent under fraudulent pretenses which she could not prove and she never followed up with her bank to get her wire recalled. In XX/XX/XXXX, Cap one closed the case, but did not release my account until I called to check on it which was in XX/XX/XXXX. 


They released the savings acct, which was the account with the incoming wire, but still holding my checking account ( granted, my checking never had any incoming wire, but outgoing wires ) claiming they they are waiting for the banks to recall the funds. Banks dont recall wires unless its requested by the banks customer /sender of the wire. 
Capital one customer service reps refused to tell me what specific banks and what specific wires that they are waiting to be recalled and refuse to tell me if any of these banks if initiated this process XX/XX/XXXX, I had my attorney to send Capital one a demand letter requesting that they release my account, we never got a response from Capital one, so I did a little researched and found the email address for XXXX XXXX, the banks president and emailed a copy of that letter to his email address ... .about a week later I received a email response from someone name XXXX with the usual excuse that they are ending their banking relationship with me ( as if I care ) and waiting for the funds in my account to be recalled by the banks that dont excuse ... .unless of course they are referring to the account of the banks of the individuals that I remitted wires to. Throughout this entire process, even after the wire sender never followed up to get her wire recalled and the money was never sent back to her bank, cap one has never given me the benefit of the doubt ...
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I received my federal student loans in XXXX while attending XXXX XXXX COLLEGE in XXXX, OK. I graduated in XXXX with an XXXX  XXXX XXXX and in XXXX the loan payment on the 2 consolidated loans was to begin. From XXXX-XXXX  I worked for XXXX XXXX XXXX  as an XXXX XXXX and when I inquired about and applied for the forgiveness program for government workers I was told I didn't qualify, I have continued to make payments all theses years and still have a balance of {$11000.00} and am now retired from XXXX XXXX. My son now is in college and we are trying to help him without assuming the debt I did while I continue to repay a loan over 20 years old. I feel like when I applied for the government forgiveness program I was misinformed and should have qualified. Since the ongoing law suit against Navient and all of theother borrowers coming forward with similar stories I am convinced that I was misinformed as to my application for government employee forgiveness. Please help I feel like I will pass away before they are paid in full.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$3800.00} XXXX  XXXX {$840.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX is not reporting it at all. 

XXXX  has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

XXXX  has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, Experian has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!
Consumer complaint received 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

Original loan amount was {$12000.00} which originated XX/XX/XXXX. Beginning XX/XX/XXXXXXXX  payments started off {$440.00} and continued until XXXX XXXX  without interruption nor late payments. In XX/XX/XXXX, I became XXXX and the insurance covered 5 payments due to my XXXX. Therefore ; One Main Financial has received more than {$12000.00} in payments from me or on my behalf and as of today I still owe more than {$8000.00}. The payoff amount is being stated at over {$9000.00}. Im still XXXX and struggling to make payments and still unsure how the payoff is so high. I didnt begin to have trouble paying until XX/XX/XXXXXXXX  and according to XXXX at One Main Financial thats when things got bad on the account. Every payment I have made since XXXX I havent received any credit for and the balance continues to increase.