davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

My problem is with the private student loan servicing company, Navient. My original loan was with XXXX XXXX until this company took over. I have a XXXX claim pending and have not worked since XXXX 2013. I have tried to get this company to either give me some kind of temporary forbearance or lower my payment or interest. Time and time again they have refused to do anything and some of the representatives ( particularly the last one ) have been extremely rude and unreasonable. I explained to them that I have other Federal students loans and they have been working with me on my situation, but that did n't phase them at all. I did not know what I was getting into when I took out this private loan until it was too late. My husband is having a hard time helping me with this loan because he gets paid on a commission basis and his paychecks can be skimpy at best. Companies like Navient need to learn to work with people just as the Federal system does!
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-11
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. (TX)

On XX/XX/2024, I mailed certified documentation for the second time to address fraudulent accounts on my credit report due to identity theft. Despite submitting all required documents, including a police report and an FTC report, the company has refused to honor my request to remove these fraudulent accounts. I have taken every necessary action to prove that I am a victim of identity theft, yet they continue to ignore this fact. 

Additionally, the company has merged my credit file with another consumers file. This has resulted in the wrongful addition of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I did not authorize any of these accounts or pull my credit in the last two years.

I request that the company take immediate action to remove the fraudulent accounts and rectify the errors made to my credit file.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top ten financial institution. As of today, XX/XX/XXXX, I have contacted Citi Bank almost daily for the last 4 months. Although some funds have been recovered... .when Citi identified this as fraud, they only refunded some of the funds and did not include the 2nd checking account that was fraudulently opened. I was told all funds and accounts were included in the original investigation. I was later advised in XXXX after the partial credit, that there was an error and the remaining funds would be immediately credited to my account. It is now XXXX ... 2 months after that clarification, and I still don't have the credit in my account. I have not been able to pay my bills and my landlord has filed eviction. I am in desperate need for this to be reconciled immediately. There are still two outstanding fraudulent transactions that have not been reversed by Citi... The identified this checking account and fraud, and I do NOT have access to see the account, so I do not know the account number that was fraudulently issued, however, the Banker at my local branch was able to see the account and confirmed the amounts that the Fraudster moved out of my account was for {$2400.00} and {$2400.00}. I have exhausted all resources, including visiting the local branch weekly. Please advise on this resolution. Thanks, XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have a debit collector called XXXX XXXX contacting me in reference to a debit from a company XXXX XXXX which referes from XXXX XXXX. 

I am currently a XXXX XXXX customer, I have no issues with pending debit from XXXX, I have contacted XXXX to clarify if there are any pending debit under my name since my account is up to date. I have no received any communication from XXXX or XXXX in reference to a pending debit. 

Here is the email I received from now XXXX XXXX. I feel extremely stressed by this since it is affecting my credit over money I do not own. 
Our information shows : You had a XXXX XXXX account from XXXX XXXX with account number of XXXX. Your JCS Reference Number is XXXX. 

As of XX/XX/XXXX you owed : {$XXXX} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$XXXX} You were charged this amount in fees : {$XXXX} You paid or were credited this amount toward the debt : {$XXXX} Total amount of the debt now : {$XXXX}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

The letters are stated with items and issues.

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 2016-05-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (CA)

On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (TX)

On XX/XX/year> an debit of {$1500.00} to XXXX for my XXXX rent payment showed on the app as Completed at XXXX as the funds were available to make this payment ( balance of {$1500.00} ). At XXXX on XX/XX/year>, I entered a toll road in XXXX , TX and the XXXX of Texas attempted a debit of {$20.00} to increase my toll balance, which should have been denied due to lack of funds. But instead, CashApp then declined my earlier completed rent payment of {$1500.00} and incorrectly paid the {$20.00} to the XXXX, which should have been rejected for insufficient funds. 

I have contacted CashApp and told them to correct this error as they can not show a transaction as Completed and then take money away from that completed transaction to pay a new one. They will not fix this error and I am now facing possible late fees and NSF fees from my apartment complex. They also told me they dont have the ability to manually push a payment through ( even though this their error. ) This is not right as the funds were in my account and the transaction should not have been reversed to pay another transaction later in the day that should have been rejected. Thank you for any assistance you can give.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

**This is a complaint about NAVIENT loan services** *I 'm not sure what type of loan I have ( Federal or Private ). Every time I spoke with someone from NAVIENT, I was given a different answer. 
*I have been denied income-driven payment methods for the past year. I was always re-directed to the forbearance option each time I talk to a representative. *Forbearance DOES remove the need to make monthly payments, HOWEVER it increases my interest, making my overall payment HIGHER. 
*In order to even talk to a representative about income-driven payments, they had both myself & my cosigner fill out financial statements ... Each of us were forced to fill one out AT LEAST 5 TIMES!! Apparently they do not save this type of information on your account?? 
*One time while filling out a financial statement, one NAVIENT customer service representative accused me of lying about not being able to make my $ XXXX monthly payments by saying " sometimes people CAN pay but they just DO N'T WANT TO. '' *On numerous occasions, I HAVE filed for forbearance, and the next day they were calling my house wondering where my payment was. Do they have no sense of tracking peoples ' accounts? 
*I find it absolutely frustrating that a company offers income-driven loan payments on their website/in writing but once a customer inquires about the payment option they redirect them to forbearance.. WHICH MAKES YOUR OVERALL PAYMENT EVEN HIGHER!
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I am writing to express my frustration and demand immediate action regarding a collection account from XXXX XXXX XXXX for {$430.00}, which appears on my credit report. I do not owe this debt, and this account should not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide proof that they have the legal right to collect a debt. XXXX XXXX XXXX has failed to demonstrate that they own or have the legal authority to collect on this debt. Without this proof, they have no right to pursue collection efforts or report this debt to the credit bureaus. Additionally, according to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Reporting a debt that I do not owe constitutes a violation of this act. I am requesting the immediate removal of this incorrect account from my credit report. I demand a formal investigation into this matter and expect a written response confirming that this account will be deleted. I have file a FTC report XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: Upgrade, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Date XX/XX/2023 Amount {$2800.00} I have a late payment from XX/XX/2023 In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC (GA)

My profile is being tackled due to information I do not update, things on my credit that shouldnt be their like XXXX bill I never signed up for. My profile has a number I never updated. My credit never goes up when paying my bills on time due to things are not correct on my credit score. I cant even get into my own account. My email has been hacked 5 years ago XXXX. Please reach out to me by phone to get this taken care of .. at this point I am concerned someone has stolen my identity. I cant even access my profile. I should have control over my credit score at all times. I have a new email now 2024. I cant even create a new account. Credit forgiveness is what I need this has to stop
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Ally has not been properly managing my payment for a car I received a loan from Ally and Ally is sending me bill statements saying I am 3 months behind. I have all my bank and money orders from day one showing I am currently updated on all payments. Ally also cancel the Extended warranty I purchased for the car and got the money back and did not notify Me they got {$3800.00}. Back for the warranty I call about getting the car repaired and Ally claim I call 3 weeks after getting the car. And cancel the extended warranty. I told her that You are a liar she claim she had a record of my call I ask to hear it She said ok left the phone on hold and came back 3 mins later saying she couldn't find it. She said the money went back to the lien holder which is Ally and they did not notify me that they received that money and did not deduct it from the payment of the car. Now the dealership said that they can not fix the car. If NO MORE THAN XXXX XXXX XXXX DEALERS ARE SUPPOSED TO FIX IT. THE MANUFACTURER 'S WARRANTY IS SUPPOSED TO BE ON THE CAR UNTIL THE CAR IS PAID OFF. OR IT FALLS UNDER THE LEMON LAW. WHICH MEANS I AM SUPPOSED TO GET ALL MY PAYMENTS BACK FROM THE LIEN HOLDER.also I am looking for a lawyer on the fraud committed.