davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient has been founded of a number of deceptive and predatory practices, included but not limited to how they have allocated money on private student loans. Those who have not defaulted were not a part of a settlement, yet they were still wronged by Navient, with on time payments and no end in sight. 
Original loan request amount was {$14000.00} for the first student loan in XXXX, ending in XXXX. This loan has been active since then, with a variable interest rate that is set by the lender. The total accrued interest is {$16000.00}, of that {$85.00} is unpaid. While there may show some late payments or fees, this loan was never late to the point that it would show on my credit report. Not all of these late payments were my fault as some were not correctly applied or entered so that I would show a late payment, and a late fee. I have paid more than XXXX % above what my loan was originally requested for, yet the unpaid principal is listed as {$14000.00}, and the current balance is {$14000.00}. How have I paid more than what the original loan amount was listed for, but not have made a dent in the principal? In fact, the {$16000.00}, a {$2700.00} difference from the original loan amount is about XXXX  % higher, and while interest does not always accrue quite like this, how is it that I have only made {$160.00} of principal payments since XXXX when repayment began? This is XXXX years of on time payments, and while I had a rate reduction program, where is the proof that my rate was reduced enough to have made any principal payments? This is just XXXX of XXXX loans. 
Loan from XXXX Original Loan Request {$12000.00} Accrued Interest {$12000.00}, unpaid of that {$76.00} Interest Rate XXXX  % Unpaid Principal {$13000.00}, Current Balance {$13000.00} How is my balance that much higher than the original requested amount, but not in the same way that another loan from XXXX is? That interest rate is lower, but the difference is much larger, which should not be the case. The difference should be smaller, not larger. {$1400.00} is the difference between the current balance and original loan request. This is closer to XXXX XXXX, an entire XXXX  % interest rate lower. Only {$34.00} past original loan amount has been paid in so far in total accrued interest. 

Loan from school year XXXX Original Loan Request {$12000.00} Accrued Interest {$11000.00}, unpaid of that {$72.00} Interest Rate XXXX  % Unpaid Principal {$13000.00}, Current Balance {$13000.00} How is my balance that much higher than the original requested amount? {$1600.00}? Yet I have paid all but {$18.00} of the original balance. 

Loan from school year XXXX Original Loan Request {$13000.00} Accrued Interest {$15000.00}, unpaid of that {$90.00} Interest Rate XXXX % Unpaid Principal {$16000.00}, Current Balance {$16000.00} How is my balance {$3100.00} more than the original request? I have paid more than XXXX % interest, I have paid XXXX  % above the original requested amount.
Consumer complaint received 2024-04-18
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. (PA)

Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (KS)

I was approved for a {$35000.00} loan for a XXXX XXXX XXXX with XXXX miles on it at purchase time which was in the month of XX/XX/XXXX. My monthly payments were {$850.00} a month. I did this with the understanding that this would improve my credit and overall help me even though my monthly payments were so high. I managed to make it seven months. I had employment change which i called and they did not offer any type of payment arrangement for me at that time. I got behind on my car loan, I then called again begging for a solution. That when I was told that I just needed to surrender the vehicle. Which I did. My car sat and they just kept sending me late bills and no one ever came to get it. I called multiple times thereafter and at each call they were just seeking payment for my past due balance and I had to explain each time that I had already surrendered the vehicle a month prior. To which i went through the entire process of setting that up and still yet another two weeks went by. They just finally picked up my vehicle yesterday XX/XX/XXXX after I called wondering why it has taken three months and multiple calls to get my car picked up to auction off. I am very upset and saddened that I paid consistently an insane amount of money only to be told they couldn't work with me when i had sudden health issues and job change. Now I am not only out a large amount of money, my credit is ruined and I no longer have a vehicle of my own as a mother to children this is very discouraging. This was my way to rebuild and they made it impossible. There isnt enough help for us middle class people trying to live life by a number to have anything in life, a.k.a a credit score. Someone please help me.
Consumer complaint received 2024-04-18
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. (AL)

To : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX agents , representatives , & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. 
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
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. (NJ)

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2023-05-03
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: Synovus Bank (VA)

I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please consider this as my formal complaint to the Transunion for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. 

They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. 

As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-04-18
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. (NJ)

Experian says my credit dropped suddenly over XXXX points but no explanation nor reason anywhere to be found for the month of XX/XX/XXXX when asked they cant figure it out either! My information has been stolen before and it messed up my medical insurance but I fixed that part I guess it messed up more than I thought because nothing else has changed at all Im still XXXX and not able to work! Since XXXX and the XXXX  I got hurt at closed down shortly after so I still dont get why those loans are there when the XXXX refused to let me finish against my will because my injuries put me in a XXXX  and they werent XXXX XXXX nor willing to accommodate or help me finish in anyway! My income ( XXXX ), XXXX ( XXXX XXXX  ) or anything has both changed in years!!! ( Permanently XXXX )! Please help me!! Please and thank you!
Consumer complaint received 2024-04-18
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. (NC)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-04-18
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-06-03
Product: Credit 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: WELLS FARGO & COMPANY (NV)

Hello can someone at CFPB help with my dispute for Wells Fargo I opened a dispute provided all the information requested and Wells Fargo closed my dispute without refunded me When i talk to Wells Fargo they do not respond or tell me i didnt provide the information. 

And when i say they i did and i can email it to you again- they make up something else and its a never ending circle to keep my money
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (GA)

Stated According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX, XXXX XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX, XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
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. (MS)

I am writing to dispute the accuracy and legality of the information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I have not provided written consent for your agency to furnish my information to third parties or obtain my consumer information. 

Upon reviewing my credit report, I discovered that your agency has included information without my explicit consent. As per the FCRA, it is imperative that consumer reporting agencies obtain written consent from individuals before furnishing their information to third parties. I have not provided such consent, and therefore, the inclusion of this information in my credit report is in violation of my rights under the FCRA. 

I demand that your agency promptly investigate this matter and remove any information that was reported without my written consent. Additionally, I request that you provide me with documentation demonstrating that you obtained written consent from me to furnish my information to third parties, as required by law. 

Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have taken appropriate action within 14 days of receipt of this letter. 

Thank you for your cooperation in resolving this dispute.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (SC)

I have been called Multiple times a day by credit management company. I called the hospital to verify that there was no debt on my account and they confirmed that I notify the debt collector that the hospital verified. I had no debt and they argued with me saying that they are wrong and that I still had a debt of {$310.00}, but they also did this before I verified who I was so they were just gon na give my information to whoever was on the phone. Today I got called XXXX times total and XXXX weeks ago when they called the first time I told them to send it via postal mail and they tried to get my email information and refused to send it via mail, I have yet to receive anything and they keep calling me, even though I asked him to please stop contacting me as I have no debt to be collected