davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights XXXX Or a list of inquiries : 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 info
rmation, 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 2023-02-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (VA)

I asked the company for evidence of indebtedness via certified mail on XX/XX/2022. On this same day as well as months before ( in which the company admits to receiving in a complaint reply through the cfpb portal ), I requested the company cease all communication with me pursuant to 15 USC 1692c through any medium, however the company continues to furnish unvalidated information to XXXX, XXXX, and recently adding XXXX after receiving via certified letter from me requesting cease communication. The actions of this company has been defamatory to my character, causing me to get denied for mortgages and extensions of credit.
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (FL)

i was trying to make payment on line for 3 days and called numerous times all they told they will put ticket on the problem and i will receive a email and phone call have not received now it show me late when i tried for 3 days to make payment i am very confused for them not helping me and wait for such long time when i am trying pay off the loan
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX XXXXXXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXX XXXX XXXX  ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-16
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: Experian Information Solutions Inc. (TX)

I consistently ensure that my payments are made on time. I am completely certain about this. What concerns me is why this company is marking me as late in specific months, which shouldn't be the case. According to USC 1666b, any billing errors must be corrected, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-16
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. (AZ)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX 

CITI 's ACTUAL DEMAND FROM RIGHT NOW : -- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( XXXX ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App.

Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features. 

After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App .

Paperless delivery is secure and convenient.

Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.
Consumer complaint received 2020-01-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (VA)

I have been receiving calls from a company called XXXX   XXXX then yesterday XX/XX/2010 I received a call from a company Plaza Services yesterday and they all say they represent this loan I have from XXXX XXXX XXXX. They all threaten to sue and put a legal issue on my house and job. I asked Plaza to verify the debt similar to asking XXXX XXXX   and Plaza threaten to sue me by Friday if I didn't pay on the debt. I told the guy XXXX I had a right to receive validation of the loan and he advised that if I don't make an arrangement today that he is sending the debt out to be sued. I told XXXX that I thought XXXX XXXX have and he said that Plaza XXXX have. Under threat I set up an arrangement for a {$170.00} for 18 months. I want this debt validated under FDCPA. I think the practice this company Plaza and XXXX   XXXX practice is unlawful. I should not be forced to pay a debt that I have never seen before nor have the option to validate it.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I've formally requested an investigation into these accounts due to inaccuracies in my credit report. Attempts to contact the creditor for managing and removing the account have been made, as FCRA 605B mandates the removal of any erroneous accounts from a consumer 's credit report. Urgent resolution of this issue is imperative.
Consumer complaint received 2024-04-16
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. (OH)

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 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IN)

I got a hard inquiries from XXXXXXXX XXXX XXXXXXXX and JPMCB Card Service which I believed I never transacted or consented and dropped my XXXX credit score to XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (IA)

A Destiny credit card was opened via identity theft in my name in or around XX/XX/XXXX. I ( inaccurately ) assumed the information I received about the credit card was a scam. After payment was not made on the credit card, it was sent to a debt collector ( XXXXXXXX XXXX XXXX  ) on XX/XX/XXXX, with a balance of {$990.00}. 
I contacted MCM in XX/XX/XXXX to dispute the charge, as it was fraudulent. They opened an investigation and found the charges to the card to be accurate. I was notified on or around XX/XX/XXXX. Well, yes, someone did use the credit card, but it was never me. They still expected me to make the payments to the {$990.00}. 
They listed next steps in order for them to continue their investigation. Steps included completing an FTC fraud affidavit.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (VA)

With a PNC line of credit, once you borrow against the line of credit, PNC will not let you repay it for 5-7 days via their online service. However, you can call in to a bank teller to process the transfer, so it's not a term of the line of credit. The website will show the remaining credit in realtime but will not allow the transfer of funds into the line of credit for several days. The customer service rep said that their website was old and it took several days to update the balance in the transfer feature on the line of credit. This was first reported several years ago and still has not been fixed. It enables them to systematically charge 5-7 days of interest on any funds pulled from the line of credit.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Payfare International Inc. (NY)

At XX/XX/24 at XXXXXXXX XXXX i am make the purchase at XXXX store for amount of XXXX $ and first one transaction was declined of system problems, them i was pay second time. I have the recipe on my hands that shows, that i have two transactions and the first one was declined. So i pay only once, and the manager of the XXXX provide for me Electronic journal report, that they charged me only once for my purchase. But the dasher direct bank charged me twice. Them i call them many times, and they ignored me/dont want solve the problem/dont want to listen to me. And every time just hanging up the call. I have the recipe of purchase and the store payment report on hands. The store didnt charge me twice. There is a problem on the bank side on dasher direct bank of XXXX organization which actually in charge with Payfare International inc . They totally ignored me and dont even want try to solve this situation
Consumer complaint received 2024-04-26
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. (CA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ).

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXX  settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MD)

Between the years of XXXX and XXXX I was enrolled in the XXXX institute of XXXX  I was coerced into their deceitful practices as a minority that they had high graduation rates, employment rates, credible and transferable classes. I was told I would have all federal loans ( At the time FFELP loans ) and was pressured to get massive loans to go to the now closed school, the XXXX XXXX of Washington. During my tenure there, the classes were horrible, nothing was really being taught. I could not transfer out because their credits were not accepted at other school so was forced to try to finish. Eventually, had to withdraw due to ongoing issues with the school and financially debt they put me in. I received no value for the the predatory loans that were given to me during that time. XXXX institute has be in lawsuits by multiple states and class action. I have received a portion that was held by this predatory practices back as a refund and I am requesting the remaining amount held by Navient regardless if my loans have been paid off by me.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-16
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)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.