davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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. (GA)

I have two private loans with XXXX. One of my loans has my brother as a co-signer. XX/XX/2016 I lost my job and was n't able to make the payments. I called each month to let you guys know I was n't able to make my payment. I also asked several times to be put back in deferment due to not working. I was told they did n't have any options for me. So know my two loans are in Recovery. My rep is XXXX. I feel they are not working with me. I 'm doing the best that I can and I feel they are not working with me. But, continue to tell me that my loans will be given to a lawyer or agency. I paid my monthly payments every month before I lost my job. I feel that I 'm not being treated well. Is there something that can be done? Can I be put on a payment plan vs XXXX calling every week asking for a payment? I also paid {$1300.00} over the last few weeks and I receive calls stating my loans are in recovery. I have to always tell them that I 'm working with XXXX. Then they see the notes that I am working with XXXX. I wish they would review their notes before calling me every week.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

Navient have had  XXXX  collection agency call me on a fraudulent student privet loan from  XXXX  college in  XXXX   XXXX  that I did not Authorize in   XX/XX/XXXX . These loan w as signed by  XXXX  college consolers while I was hospitalized.  XXXX  college was later closed down by the federal and state government for the practices. I have tried to get this matter taken care of and was also contacted by California Attorney general office in because of this matter about  six years ago . Navient have not only committed fraud with  XXXX  college and the lender, But have repeatedly tried to have me pay for a loan that I never approved.   My name is  XXXX   XXXX   XXXX   XXXX  Date of Birt h  XX/XX/XXXX . T hey just had a company name  XXXX  call me repeatly there address  XXXX   XXXX   XXXX   XXXX , ny  XXXX  (  XXXX   )   XXXX . If your company contact California you will see that charges and a class action was file against  XXXX   College  for these fraud.
Consumer complaint received 2017-07-24
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. (AL)

I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (CA)

There are medical collections on my credit report do not belong to me, However, They belong to my wife, I have never received any letters of attempt to collect the debit or any letter explains my right to those collections, They just put them on my credit report without any prior contact. I have called the progressive management system and I was told that the collections will not be removed from my credit report till 60 days after the accounts are paid. Those collections stops me from proceeding in getting some of the credit that I need, Buying a house for example or a vehicle.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service (CA)

After receiving a monthly statement from AAFES, I requested a total in an attempt to validate the debt. The reason for this was prior I showed a balance of {$500.00} according to my records. However, AAFES bill showed a balance of {$1800.00}. During the dispute my account was sent to collections and made the process extremely much more difficult than necessary. I made several attempts to discuss the bill prior to the account being sent to collections. As a long time customer and one that never has disputed even one charge, I feel that this is unacceptable. I simply was requesting an itemized statement to reflected the amount of the alleged {$1800.00}. So far in return all I have received is terrible customer service from rude representatives that is unjust. Finally, the statements AAFES did manage to send had the incorrect account number on them. Which is why I was under the assumption that those statements were inaccurate in the first place.
Consumer complaint received 2017-09-18
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: Santander Consumer USA Holdings Inc. (NY)

I have contacted Santander trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.
Consumer complaint received 2017-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having an issue with XXXX and transunion in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting transunion and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor transunion. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

The company closed the account in XX/XX/2016 and never ask me for anything. The last few weeks I start getting some phone calls from collections agency regarding the debt but I never received any notification that my debt was in collection. I getting harassment calls and settlement letters. I have to block all the unknown numbers and XXXX from my phone to be able to keep doing my own work.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

Hyunadi Motor Finance is reporting incorrect account information on my credit report. The account is reporting six missed payments this information is not correct. I filed a complant prior and the information reported was corrected. As of today XXXX XXXX, 2017 the incorrect information has reappeared on my credit bureaus credit report. I am currently in the process of seeking legal advice and repensatation due to the practices of Hyundai Motor Finance. The payments were paid online and not processed unti two to three days later. Their actions are damaging my credit history and credit worthiness. Below I will attach  supported documents showing payments and when they were processed. I have filed compalints prevesouly against this company whch resulted in the account information being corrected
Consumer complaint received 2017-07-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (KS)

i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MO)

I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report  online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (DE)

Synchrony said that my case was unfounded because the items were shipped to my address. I do not understand what part of me being XXXX XXXX they do not understand. I was not in control of my house my person of any of the accounts in my name.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (OR)

I previously requested a letter from XXXX XXXX XXXX  regarding the incorrect reporting of a mortgage which they claim was delinquent ( 60 days late ). The letter provided was insufficient and lacked any details. These errors were reported to all 3 credit bureaus and negatively impacted my credit scores. The credit order # from my lender is XXXX, which reported my loan as delinquent ( 60 days late ), which pertains to a recent refinance through XXXX XXXX XXXX.
Consumer complaint received 2017-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (DC)

I have been trying to get a break for the deferment from GM regarding my loan. I have asked to pay with out any documentation which the collection agents in XXXX say they dont need to send. The reason why is I am questioning the amount that they are charging for a two month deferment. Another issue is that on my last complaint. I am was tired of paying fees to pay my car note. There response was a basic cut and paste, pay by ACH which has been disabled due to an bank hacking issue earlier in the year. I have been making the payments with my debit card and getting no where getting the restriction lifted on my account. I have provided GM with information regarding the issue and still no resolve, they just want the fees charged.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Date:XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by Inquiry made on : XXXX To Whom It May Concern I am writing to dispute the following information in my file. I recently received a copy of my credit report, and! :, notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act : {$720.00} ( was credited toward the error debt ) as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation ; and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please : send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so il may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit : inguiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my : credit file ( XXXX XXXX XXXX XXXX from XXXX XXXX  ) Please be so kind as to forward me documentation that you have had the unauthorized inquiry : removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. : According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. : Your immediate attention to this matter is appreciated. Thank you XXXX XXXX
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (MN)

Someone try to open up a credit card in my name using my personal information such as my social security number and my name on XX/XX/year> they for apply for a credit card through Barclays for XXXX XXXX XXXX XXXX which was a hard inquiry hit on my credit report this was fraudulent I never apply for a credit card through this company someway committed fraud against me without my knowledge
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-17
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. (NY)

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay. 

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : XXXX. A valid identity theft report ; XXXX. The identification of the fraudulent information on the credit report ; XXXX. A statement from the consumer indicating that the information does not relate to any transaction they made. 



I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-17
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. (TX)

FCRA Viloations Not mine Not my auto loan XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here 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
Consumer complaint received 2024-10-17
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. (AL)

I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action.

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter.

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being.

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated.

Thank you in advance for your understanding and assistance.