davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have submitted disputes to Experian on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. Experian is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in XXXX and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One XXXXr closed my XXXX card account. I was told it was due to non payment and it can not be reopened. However, for the past several months, they have been taking money out of the account via XXXX that initially they claimed they never had access to. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I have not changed any information other than when I switched my XXXX account from an old XXXX account to the new XXXX account. This seems predatory I would like this removed from my credit report along with my account reopened.
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (HI)

On XX/XX/XXXX I filed a complaint about my private student loans held by Navient for the XXXX XXXX XXXX XXXX XXXX. Art Institute has been proven to be a fraudulent school in numerous court cases that partnered with lenders like Navient ( Sallie Mae ) to give private loans to students so the school could get more federal grant money. My federal loans with Art Institute have been forgiven and refunded as I am a class member of the Sweet v Cardona decision where Judge XXXX order these federal loans dismissed and refunded. My XX/XX/XXXX complaint was for the same to be done for my private loans from Art Institute. 

Navient replied with a " Proactive School Misconduct '' form I received on XX/XX/XXXX. In Navients CFPB complaint response, they mentioned the 2 Art Institute loans would qualify, but my 3rd loan from another school would not. My School Misconduct Application was submitted to Navient on XX/XX/XXXX. 

On XX/XX/XXXX, I received denials for my 2 Art Institute loans and the reason given was, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is a generic response that does not say in any means why my loans that are already proven fraudulent did not meet their 'criteria '. Navient is giving blanket denials and trying to stir up 'good faith ' by having an application but approving only a few early applicants. 

I would like at the very least a specific reason why my application was denied, and the ability to resubmit, if necessary, additional evidence on top of the evidence I provided in my application.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (NJ)

This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- 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 -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (GA)

I AM A VICTIM OF HUMAN TRAFFICKING. I HAVE REQUESTED A COPY OF MY CONSUMER REPORT SO I CAN DETERMINE WHAT NEGATIVE ITEMS NEED TO BE REMOVED FROM MY REPORT.
Consumer complaint received 2023-10-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a statement from my credit card stating I had a charge to XXXX XXXX on XX/XX/XXXX, posing on XX/XX/XXXX for {$330.00}. I did not make the purchase, as the card has been locked away in my safe, and is not carried in over a year. I contacted the card and stated such. They opened a fraud claim, to which they denied due to the card having been used via XXXX. I stated I did not do so, as I have XXXX Maps on my phone track my locations, and it shows I did not go anywhere near the place of purchase. During first phone call, the agent said that a new card was mailed as the current card in my safe expired. I advised them that I never received the replacement card. The agent then informed me that the card was mailed out days prior to the charge in question. She suggested that the card was stolen and was in fact fraud. On the second call, I informed the agent of that conversation, and they stated their was no such record of that conversation, nor anything to the matter of the replacement card. Again this agent stated someone could have spoofed the chip and used my account. I faxed my location information as advised by the agent to prove that I was not at the merchant. She stated the claim was closed and would not be able to reopen, as i am responsible, however she would escalate pending my documents. After a short period, I saw another statement saying the temp credit was removed and I called a third time. They informed me that they will not rule in my favor since the Chip was used. I stated again that I did not go to the merchant, that I did not use the card. I asked if she received the fax I sent, and stated no. I asked to confirm the fax, to which was correct. I faxed again and mailed priority mailed a copy. I received a digital letter stating they are not ruling in my favor, and in retaliation they are reporting me to the credit companies regarding the claim, and my " dissatisfaction ''. I am super upset because I did not make the charge, and yet I am now responsible. I am including copies of the statements, of which are the only statements of this year, and no other statements from years prior, as I do not use the card. The letter stating they will not agree on the dispute, plus the report to the credit reporting companies, as well as printouts of my XXXX Maps history for the days before and after the charge.
Consumer complaint received 2023-10-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (NJ)

I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called XXXX XXXX XXXX. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for XXXX years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through XXXX cars ) by XXXX XXXX XXXX and we are sure it was sold to another client. The collection agency is NCB Management Service XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )
Consumer complaint received 2023-10-14
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-14
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 notified XXXX that there are unauthorized credit inquiries on my consumer report. XXXX only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Northern Trust Company, The (IL)

Good afternoon. This is XXXX XXXX and I filled out some bank information on one of my mortgages regarding the Covid 19 and they papers were received and I was told everything was sufficient. I explained to them that my job is shut down now and I can not pay this mortgage. They said ok. 
Now they put the 30 days late on my credit today, even though I filled I the paperwork in XXXX ... .. Can this please be disputed and taken off? Can you help me with this? Its Northern Trust bank ''
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Recovery Corporation (CA)

I keep getting calls from different numbers, claiming that they're XXXX XXXX XXXX XXXX and are collecting debt on behalf of XXXX XXXX XXXX. I haven't received a letter of validation for my debt. They did not even disclose how much I owe. I haven't even received an email, which I know XXXX XXXX has my email.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, someone got into my XXXX account and made XXXX unauthorized withdrawals, The first transaction was for XXXX and the second one was for {XXXX totaling {XXXX I reached out to my bank which is Fifth Third Bank and notified them that it was not an authorized transaction, they told me they would do an investigation and I would get my money back within 7-10 business days, I waited and waited and didn't hear back from my bank, on XX/XX/XXXX the same person or company came back again and tried to make another XXXX more transactions of XXXX XXXX XXXX XXXX  On XX/XX/XXXX they processed another transaction of XXXX but this one was reversed by the bank on XX/XX/XXXX, I reached back to Fifth Third bank for a follow-up, and l was informed that unfortunately, they were unable to help me get back my money since I reported the issue after XXXX hours, They explained to me that they have a policy that states that if you don't report a fraud transaction on your account within XXXX hours you lose your money, I was informed that at this time I was going to lose the money and was advised to close my account as someone had access to it, This policy was never explained to me at the time of the account opening and neither of the people in the bank knew about it, I just want my money back and I don't feel like the bank is being fair, also I don't want the same situation to happen to anyone who has a XXXX  account with XXXX Bank,
Consumer complaint received 2023-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible The accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My capital one Mastercard was closed without my permission. I paid on time and in full 100 % of the time. I called their customer service and was told my account was closed without explanation. The agent told me to apply for a new card. My application was rejected and the reason was that I had issues with my previous card. Please help fix this situation. Thank you.
Consumer complaint received 2023-10-14
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023 I initially purchase a meat gridder for XXXX. I canceled that order. On XXXX the XXXXXXXX XXXX repurchased it, but then also returned it and was refunded on XXXX the XXXXXXXX XXXX All of my purchases were made through XXXX and were promotional purchases. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Central time the customer service from Synchrony Bank stated that the credit amount of XXXX} wasnt deducted. She stated that somehow, when they were transferring the data from my old account to my new account the amount had been put back on account as a purchase.
Consumer complaint received 2020-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: J & B Endeavors, LLC (NV)

Student Loan Movement promised to make payments to my federal student loans on XX/XX/XXXX with 4 initial payments of {$220.00} and payments of {$39.00} thereafter. After careful consideration and investigation no payments have been made to the original federal student loan of {$36000.00}. I look at the student servicing statements and see no payments made throughout this period of nor contact was made to adjust any updates or payment plans. 

I have attached to original company of the agreement between myself and Student Loan Movement but was not able to pull up all transactions between my bank and Student Loan Movement. My bank did look into the transactions but were only able to go as far back as XXXX of XXXX. The original contract between myself and Student Loan Movement was on XXXX of XXXX there are emails going back from XX/XX/XXXX to XX/XX/XXXX with reminders of payments to be made and unsure of how to attach these emails other than screen shots of my PC.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-10-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # ( LISTED BELOW ), 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. 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. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of this.. now remove the accounts or I'll sue for violation of my rights under the constitution!!!!
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with TransUnion had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from TransUnion and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told TransUnion had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

The debt collector, TSI, has not accurately reported my payments to the Lender, XXXX XXXX XXXX, for 36 weeks. My loan was fully repaid on XX/XX/XXXX, but XXXX XXXX XXXX continues to garnish my wages due to TSI 's failure to accurately report my payments. I have asked both XXXX XXXX and TSI to accurately report my payments no fewer than 5 times, with no progress. 

Payments : XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00}
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC. (CA)

In XXXX or XXXX of XXXX I tried to pay off the loan but they quoted me an amount that was a little more than the amount I had received. They said it would take XXXX XXXX dollars to pay off the loan. I couldn't afford that so I have continued to make my monthly payments of {$690.00}. In XXXX of XXXX I checked my payoff amount and it was {$10000.00}. That was almost 3 years ago. The original loan was for XXXX XXXX dollars.
Consumer complaint received 2023-10-14
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. (IL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and/or XXXX credit report. My latest credit report shows 18 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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 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 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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