davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2024-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I attended the XXXX XXXX XXXX XXXX XXXX from XXXX - XXXX. My original private loan amount from XXXX XXXX was {$19000.00}. I have been making payments on this loan since XXXX - XXXX. So far I have paid XXXX XXXXXXXX and I still owe almost {$14000.00}. I feel this is predatory and has ruined my whole life. I am over {$30000.00} in credit card debt which I lived on to make sure my payments were up to date. I applied for a loan discharge since my school was a for profit school but they deny my application without any reason for their decision. Once they denied my application and took me off of forbearance, they expect a {$300.00} payment right away, which I do not have. Now they are transferring my loans to XXXX. I really want some answers because I have paid this loan twice already. The XXXX XXXX made me think that I would be making {$37000.00} a year back in XXXX and I never made over {$10.00} an hour after receiving my degree. I didn't learn anything from this school, I paid for all of my books out of pocket and had to XXXX XXXX XXXX XXXX XXXX XXXX. I want answers and I want relief!!!
Consumer complaint received 2024-04-27
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in distraught because I thought I would have beena ble to afford mental healthcare but because my scores are affected due to the accounts being reported on my file, I can not take care of myself better. I believe they are being reported without my permission and are most likely to be inaccurate. Please re-investigate.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-09-02
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I paid the amount agreed to on the loan contract for my co-borrower to be removed from my loan but he is still on the loan and has not been removed as of today. I have also not been allowed to enter the debt relief program with them as well.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

Payments are being reversed every month and interest is being charged on the full balance. 
XX/XX/2023 : {$300.00} paid and reversed XX/XX/2023 : {$220.00} paid and reversed XX/XX/2023 : {$500.00} paid and reversed
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

The collection agency NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX I am unaware of this debt. This was place on my credit report for & XXXX on XXXX I have dispute this with my credit bureaus. No additional info has been provided to me. The account has not been verified as my debt. No one has provided me with the agreement with my signature on it.
Consumer complaint received 2024-08-31
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. (CA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2023-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (CA)

Apparently on XX/XX/2022 someone appeared at XXXX XXXX XXXX XXXX pretending to be my minor son, XXXX XXXX XXXX. They apparently sought care using his insurance information however, they got his middle name incorrect listing it as " XXXX. '' My XXXX XXXX XXXX XXXX XXXX rightfully denied the claim ( I assume that Dignity did not have anything to back it up like a photo ID, my signature, etc. ). 

Since then Dignity and their collection agencies have been trying to get me to pay the denied claim of {$240.00}.
Consumer complaint received 2024-08-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (CA)

My 2024 monthly account summaries were recently mailed to me because Marcus by Goldman Sachs alleged that XXXX had been blocking Goldman Sachs e-mail summaries meant for me and other customers. There has been no resolution to this problem so I could not receive monthly statements via e-mail. 
XXXX supervisors denied it was blocking any e-mails sent by Marcus By Goldman but has not verified in writing that e-mail blocking was actually happening. 
A XXXX CD that matured on XX/XX/year>, was unknown to me since no e-mail reminder was sent to me. I did not receive a phone call, text or letter warning me that my CD of over of a XXXX  XXXX dollars was maturing. 
It was then rolled over after the XXXX grace period to a two-year CD without my permission. I only discovered the rollover had occurred when I called Goldman Sachs. That CD shifted to a XXXX  % interest rate when a XXXX CD was available a XXXX  %. The dated paper summary mailed to me prevented me from making a timely rollover prior to the maturing date. 
Trying to be reasonable, I asked supervisors to allow me to move the CD from the XXXX rollover to a one-year CD aXXXX XXXX % interest. One manager named XXXX told me she would waive the penalty after I explained that it wasn't my fault that e-mails that were being blocked by XXXX 
After waiting for confirmation of that waiver, supervisors informed me today, XX/XX/year> via phone that the withdrawal penalty would be enforced if I rolled over the CD to a new Marcus By Goldman Sachs CD to the higher interest rate. 
This lack of professional communication has resulted in my losing interest income for the next XXXX years.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forest Recovery Services LLC (FL)

In XXXX of XXXX I had about XXXX missing shingles on my roof from a storm and I went to XXXX XXXX XXXX for a roof replacement. They told me how much it would cost and I received money from my house insurance because the damage was partially covered. The amount I received from the insurance was not enough to cover the full costs so XXXX XXXX XXXX recommended me to XXXX XXXX and I took out a loan with them to pay for the remaining balance. In XXXX I refinanced my house and payed off the remainder of the loan that I had with XXXX XXXX. An employee of XXXX XXXX XXXX and called me and told me to call my insurance to see if I could get more money from them and pay them the insurance money. I told him that I already paid him in full and that I was uncomfortable with that. He told me he would tell me what to say and the insurance will pay them. I contacted my lawyer and told him not to contact me again. On XX/XX/XXXX XXXX XXXX XXXX sent me to collections with Forest Recovery Services for the amount of {$1700.00}. I do not owe them any money as I payed them the full amount in XXXX with both the insurance money and the loan. I have also received a fraudulent letter in the mail soliciting money that was unmarked but I believe it is from them.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (GA)

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

My loans from The XXXX XXXX of XXXX in XXXX, VA are to be fully XXXX due to the fact that both this school was found by the XXXX XXXX XXXX XXXX  to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off student 's loans. 
Therefore, and with that being said, Mohela has yet to fully discharge my loan ( XXXX ) balances listed on my account and forward all refunds due to me due to the XXXX Department of Education 's rulings. 

Thank you.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-05-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (IL)

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. account. Also you stated this account is reporting accurately, however, I see multiple discrepancies with my credit report, even after your investigation, so not only did you not provide me with the proper paperwork you lied about the information being correct none of your dates or amount match what you said provided to the other 2 credit bureaus if you continue to report incorrect, unverified and made up information I will be reporting this as I have a right to a correct and credit report I asked in the previous dispute you provided me With the information and I didnt receive anything only false updates on the accounts
Consumer complaint received 2023-03-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy case number XXXXXXXX XXXX XXXX  Bankruptcy case number XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXX all of these companies have violated my rights. 

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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXXXXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

On XX/XX/2023 Sequium Asset Solution has flagged my collections for {$2300.00}. I have no knowledge of this debt or where it comes from. I never gave sequium asset solution my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt .Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.
Consumer complaint received 2024-04-19
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. (MI)

On XX/XX/XXXX. I became aware that my personal information was impacted the XXXX XXXX XXXX. I noticed unrecognizable accounts on my credit report with XXXX, XXXX and Experian. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. Department of Education XXXX. Department of Education XX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX