davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I have been repeatedly misinformed by Navient. Their inability to track, process, and apply my payments has led to past due balances and fees that they have corrected by forcing me to apply for forbearance twice within the past 8 months. They have given me incorrect information for the terms of my forbearance both times, including the period of my forbearance and when my next payment is due. I have started calling in and making my payments over the phone with a live representative because every single month that I go online to make a payment, I am showing a past due balance- even after making my payment over the phone through a representative who assures me this will not happen again. Today, my loans showed a total past due balance of {$18.00}, which a representative " deleted '' and stated that it was charged " in error '' and could not explain why it was charged. After o ver 1 hour on the phone with two Navient representatives today, I was told 3 different amounts that I was due to pa y only to be told at the end of my phone call that I did not have a payment due this month at all. I contacted them via post several months ago, as requested, and have not received a response. While on the phone with them today  XXXX / XXXX /  XXXX  , I was told that my balances due are entirely different from the information provided for those loans online and none of those amounts match what is reported to credit bureaus. They do not keep records of my phone calls, despite telling me that they will do so. Every time that I call, they somehow adjust my loan amounts and interest to get rid of the past due balances they have charged " in error '' and can not explain why the charges occurred in the first place. They distribute my payments in ways that are not as I have requested- My payments have been applied to interest, principal balances, and advanced due dates when I request that my over-payments be applied to the principal balance of single loans. My record of payment online does not reflect the payments I have made, and the last payment I made on  XXXX / XXXX /  XXXX   does not appear in records anywhere. In the past hour, my account information online has changed from showing payments made on  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with capitalized interest on  XXXX  and  XXXX  as well as a credit adjustment on  XXXX  to now showing a record of payments on  XXXX ,  XXXX ,  XXXX , and  XXXX  with no record of the capitalized interest or credit adjustment. The amount that Navient claims that I owe them changes on a regular basis at the click of a representatives mouse with absolutely no explanation or record. I can no longer justify paying thousands of dollars to a company that can not accurately and consistently explain to me how much I owe, how my payments are being applied, and why I am repeatedly showing a past due balance or charged more than my scheduled payments in error.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Last month I received an alert from EXPERIAN that my credit score was dropped by XXXX due to XXXX XXXX reporting me being over limit by {$29.00}? The XXXX overlimit fee was paid immediately. I reached out to XXXX XXXX which stated they only report late payments. Needless to say Experian dropped my score from XXXX to XXXX. UPDATE MY COMPLAINT WAS INVESTIGATED BY EXPERIAN THEY ON GAVE ME XXXX BACK OF THE XXXX I HAD. SO I AM FILING A COMPLAINT AGAINST EXPERIAN. I WAS NOT LATE OR OVER 30 DAYS.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CT)

The credit reporting agency has been reporting inaccuracy on my credit report, XXXX XXXX is not a registered business in the state of new york. They do not have any authority to call anyone in XXXX to collect anything there is no bond on record. There is no contract with my signature. There credit bureau has not verified any of this before applying the information to creditors. My suffereing is at the hands of the bureau. they are paid to keep consumers down.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code XXXX XXXX My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX XXXX XXXX  the day I left the car lot A lot of inaccuracies
Consumer complaint received 2024-09-10
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: ENCORE CAPITAL GROUP INC. (FL)

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : XXXX. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXX XXXX XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX **Midland Credit Management** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX/Chargeoff ( {$1400.00}, XXXX ) - **XXXX XXXXXXXX XXXX ( Late XXXX Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 3. **Fraud Alert : ** - A fraud victim alert is active on my *XXXX** file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal.

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including Midland Credit Management and XXXX XXXX XXXX which were incurred under duress.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (AR)

Paid of f Citi Diamond pr eferred credit card balance in  XXXX   XXXX . Have not used card for purchases in years nor have I enrolled in any Payment  Protection Plan  or auto pay. In  XXXX   XXXX   Citi  Bank auto withdrew {$28.00} from my checking account and emailed me stating that my online statement was available and that my next bill was due on  XXXX   XXXX   XXXX . As I write this I have been transferred to  10 times to 10 different people at Citi Bank in 3 hou rs time. No one can explain why there are {$850.00} in charges on my account and why after 2 years I am now being charged {$28.00} per month.  One  person told me it was fraudulent charges but cant tell me what they are, another told me it was Payment Plan charges, another told me it was because they have my address wrong. I cant even access the account online any longer to see what the charges are. They are asking me to write a letter explaining what I have tol d 10 people an d then they will look into my account because they do n't have access to my account before  XXXX  received a letter a couple of years ago stating I was part of a class action lawsuit regarding being charged for products I did n't sigh up for with  Citi  I have now been on hold for 58 minutes and counting. Ok  11  people and they just disconnected me.
Consumer complaint received 2023-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED SOUTH COLL NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
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: Experian Information Solutions Inc. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2017-05-12
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. (MD)

There is a closed paid collection being reported on my Equifax credit report by a debt collection agency that I did not have an account with. In  XXXX   XXXX , I noticed  XXXX   XXXX   XXXX  based in  XXXX , MD reported that I owed them {$120.00} and that the account was opened on  XXXX   XXXX ,  XXXX . I had never received any correspondence nor had I had any communication with this collection agency. I disputed the debt with Equifax twice and with   XXXX   XXXX   XXXX  . According to  XXXX   XXXX , the tradeline was removed on  XXXX   XXXX ,  XXXX . Approximately, a week and a half later the tradeline had reappeared on my Equifax report with the same inaccurate information. I then contacted the original creditor The  XXXX   XXXX   XXXX   XXXX  to inquire about the amount that the collection agency was reporting. On  XXXX   XXXX ,  XXXX  I went into the credit union and paid them directly in the amount of {$140.00}. Because this inaccurate information is negatively affecting my credit score, I asked the credit union to inform the collection agency that the debt has been paid in full and to remove the inaccurate information from my credit report. To this day the collection agency is still reporting on my Equifax report as if I had paid them instead of the original creditor. While the account has been updated to paid and closed, I would like for the debt collection agency to be completely removed from my credit report since I did not have an account with them, I did not sign a contract with them and I did not owe them any debt. I have attached a copy of the paid statement received directly from the credit union.     Thank you in advance for your assistance.
Consumer complaint received 2017-05-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

Was successfully paying medical debts to hospital. I then suffered a temporary XXXX XXXX. I contacted the hospital to request a payment deferral which was verbally approved by hospital. My next contact were from a debt collection agency on multiple separate accounts associated with hospital all of which had previously been consolidated into a single original payment plan with the hospital. I disputed the amount owed and asked for a full accounting of all charges and payments previously made so that I could reconcile and confirm the amounts claimed I owed. The debt collector never responded to this request but is now reporting all of these separate accounts to credit bureaus. My letters sent via certified, first-class, USPS mail are attached herein.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On  XXXX   XXXX ,  XXXX  I subscribed to a  XXXX  year computer virus protection "  XXXX  '' for {$31.00}. I turned the auto renew off so I would n't automatically renew after a year. However, in  XXXX   XXXX  the company charged me {$74.00} for an auto renew.     I contacted my credit card a t BOA an d at first they put a hold on the charge. However, the vendor responded to the bank that the charge was for an active account and was auto renewed. BOA then put the charge back on my card.     I called BOA and explained that I was not set for auto renew and they told me it does n't matter because the companies website states that subscriptions auto-renew. I explained to BOA what is currently on the website is irrelevant because I have a document that shows I am on manual renew.     I told the bank this was an unauthorized and fraudulent charge and I wanted it removed. BOA told me they would not do that because I authorized the charge. BOA then told me a charge is not considered fraud or unauthorized if at any point in time you give a vendor your credit card information.     I was very confused with this statement and asked them a question using this example.     " If I were to go out to dinner and pay with my credit card, an d four we eks later the vendor charges me for a meal when I was n't there that would not be fraud because I previously gave them my credit card information? '' BOA told me that is correct.     This seems unbelievable to me, and I was talking to the card manager.
Consumer complaint received 2017-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I was charged {$400.00} by a company named  XXXX   XXXX   XXXX  for a contract on a party bus contract that i am not named on. I paid the remaining balance prior to the party and received a receipt for {$370.00}. The next day i was charged {$400.00} by the  XXXX   XXXX  for overtime and a clean up fee. I was never informed of a charge or knew such charges existed as i was not the direct client and never signed any contracts or agreements. I tried to get a refund from the company and told them you never mentioned a charge for the overtime and clean up. They sent a text that there as overtime and  XXXX  on the bus. That is all the text read and I was charged {$400.00} the next day. Their response to my requesting a refund and that they please work out the charges with their client was " you were informed '. So i told them I would contac t JP Morgan Chase and have the unauthorized charges disputed. JP Morgan Chase  did reverse the  charges.The  actual  XXXX  Bus customer worked out a lower charge of {$300.00} and  XXXX   XXXX   XXXX  then sends a refund to me in the amount of {$100.00} via my debit card, I sent the {$100.00} my friend, their client as they were not my funds and told him to let them know . JP Morgan  reverses the refund from the  XXXX   XXXX  to themselves. On  XXXX / XXXX /  XXXX    JP Morgan  emails me that they are reversing the amount of {$300.00} based on documentation from the company, this created a {$300.00} hole in my account. When i called them i could not get them to send me the documentation given to them, which has to be falsified as i have never met these people been to their location or signed not  one agreement or contract with them. I had to go to a branch and explain this situation and still could not get a copy of the information. I am now waiting 7 to 10 business days for this documentation JP Morgan  used to help this company steal my money. Oh and  XXXX   XXXX   XXXX  was paid the {$300.00 } Overtime and Clean up   fee by their direct client. So they have been paid twice for the same service and will not respond to my emails requesting a refund or a copy of the documentation. i feel helpless in this situatio n. JP Morgan s hould have emailed me a PDF of this proof or at least sent it to the  Branch s o they could review it with me.