davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

For the last XXXX months ( through XX/XX/2024 ) I was on a rate reduction plan with Navient, the company servicing my private student loan, and was making a reduced monthly payment of {$360.00}. Eligibility for the rate reduction program must be renewed every XXXX months. 

In XXXX, I was laid off from my job. I called Navient Private Loans in early XXXX to renew my eligibility for the rate reduction plan, and informed them that I had recently been laid off and had no income. They told me the absolute LOWEST payment I could qualify for would be approx. {$630.00} per month. Navient also told me I do not qualify for any temporary deferment or forbearance, and they absolutely could not make my payment any lower than {$630.00}. 

This is obviously not doable given my current situation and I was unable to make my payment in XXXX ( XXXX XXXX ). I have filed for unemployment but my benefits have not come through yet. Even if I get the maximum UI benefit of {$430.00} per week -- adding up to {$1700.00} per month -- it will not even cover my housing expenses. I pay {$1400.00} per month for my mortgage and {$760.00} per month in HOA fees, for a total for {$2100.00} in housing costs alone. I also have a car payment, credit card bills, and support my daughter as a single parent. 

Since Navient Private Loans has refused to lower my monthly payment, I am appealing to you for help. My inability to pay what they're asking -- through no fault of my own -- will certainly ruin my credit score as well.
Consumer complaint received 2022-12-05
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (FL)

I received a text message that I owed a debt to either call. The phone number are going onto the website. I went to the website and I was confused because I was trying to find the original debt to contact them to find out what I even owed money for. I then called the phone number, and the Lady told me out of debt from XX/XX/2015 for {$60.00}. I asked if she could please tell me the providers name address or phone number so I could get in contact with them about the debt. She told me the only thing that she saw on the note was that it was located in XXXXXXXX XXXX. I had explained to her that I had only lived ever in XXXX XXXX XXXX, and I have never visited XXXX. She told me that XXXX was a headquarters office. I asked if she could please provide me with a paper copy of the debt and she told me one was sent back in XXXX. I had informed her that I did not receive anything in XXXX could you please send me a paper copy of my debt. She told me that she could either email it to me or she could send it to me in a text message. I asked her if she could please send me a physical copy to my address since I had not received the one back in XXXX she informed me that it is not their responsibility to keep sending copies out to the homes of people who lost them. I told her that I never originally receive the one from XXXX, that I am working on paying all my debts so I would not have lost it. I asked again for the third time to please have a physical copy sent to my house and she told me thats not gon na happen because their company loses too much money on sending out notices. I asked her if she could please provide any more information and she told me to XXXX it. She told me that she XXXX XXXX XXXX XXXX XXXX and it came right up. I asked her for the phone number that she XXXX and she told me that is my responsibility to look this information up. She gave me my invoice number of XXXX. She said she had my intake form with all my information on it. And to me thats a violation of HIPAA. She was very rude to me and she kept trying to rush me off the phone saying if thats all that I can do for you then thank you and have a nice day. I said I really would like a physical copy of my debt sent to my home, she said she was not going to do that. I told her it was her responsibility to send me one per request or I could report this. She said, who am I gon na report her to and she hung up on me.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I called XXXX XXXX on XX/XX/XXXX and was provided my 10 day payoff amount to satisfy my loan in full. I was advised if it was to be paid before the XXXX, the amount is {$4100.00} I made the payment in full on XX/XX/XXXX and the company has not updated the information to reporting bureaus. I have called them XXXX times and been given a different answer. I have files disputes with each of the XXXX credit bureaus and the only update is that the loan balance is now showing the exact amount I paid, but not that the loan is paid in full. They are reporting that I'm 60 days late!
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kramer & Frank, P.C. (MO)

I have called them multiple times, they don't answer the phone. They illegally garnished my check for more than 10 %, since I am head of household. They have started and stopped garnishing my wages multiple times, for no reason. Are they trying to just build more interest?? I can not contact them, so I need to at least make them follow the law by only taking 10 % from a head of household 's paycheck.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I sold two phones on XXXX and took payment through paypal from two different individuals In the amount of {$290.00} per phone i sold thus equaling {$580.00} on XX/XX/2024 And PayPal has my money on hold Until the item has been delivered to the buyer. So I did my job in complied with the hold. I uploaded tracking numbers for both phones From XXXX XXXX And they were both delivered the next day on XX/XX/2024 Now PayPal said in their policy. Did they would hold funds for 21 days if I did not do one of the following. 
Up updating the status of the shipment which I did that. I Uploaded the trucking. And it That With uploading the tracking information and once the item has been confirmed delivered to the buyer, the funds would be released within 24 hours. 
And they are refusing to let go of my funds and release the hold. So I can access it. For still 21 days even though it was delivered. The very next day my fun should've been released to me within XXXX XXXX after that. So I should've had access to my funds on XX/XX/XXXX. But here it is XX/XX/XXXX. And they are still refusing to release my funds to me whenever I need my funds immediately. But I was willing to comply on I did my job. They're not doing theirs. I do not think this is right or fair or even legal. I don't know all I know is that I need my money and they have it. On hold in, refuse to release it to me until almost the end of XXXX. Even though I've complied and they're policy states that it would be released within 24 hours after confirmed delivery. Please help me.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (PA)

This account was paid. Ive contacted XXXX, XXXX and Continental Finance on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and XXXX.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After being with my bank for over 25 years all of my accounts were closed by Bank of America on XX/XX/XXXX without any notification. I did not have any penalties or violations on my account. When I called they said they had made a business decision to close my account. 
I'm in the process of transitioning my accounts and I went to transfer my rewards cash to my account and was unable to transfer. They stated that because accounts are closed I can not get my rewards cash. The amount of rewards cash is about {$5000.00}. 
This is completely unfair. They closed my accounts and cause a disruption and then I lose the {$5000.00} that they owe me. I'm okay working wth another bank and prefer to work with a company that wants my business. But stealing {$5000.00} from me is criminal. 
I called and they escalated it to a hire department. They only state that their policy is that once account is closed by either party your rewards are cancelled. 

I still have a balance on my credit card that I'm obligated to pay.
Consumer complaint received 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (SC)

I tried multiple times to end my service with XXXX beginning in XX/XX/2023 because I switched providers. I continued to receive bills and called to verify that my service had been terminated in XXXX and was told it had not been terminated and that I would still have to pay the XX/XX/2023 bill, but that my service would be terminated effective XX/XX/2023. I received another bill for XX/XX/2023 and when I called back was told that would be my last bill to pay so I paid that bill. I was given a ticket number XXXX, from the person I spoke to verifying that my account was closed and that my service was terminated. This morning I received a phone call from Sunrise Debt Collector trying to collect on a debt from Spectrum for an XX/XX/2023 bill who stated that if I did not pay that it would be on credit report.
Consumer complaint received 2023-08-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (AZ)

My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with Wells Fargo they would refund my overpayment at the end of the year, but, XXXX XXXX XXXX XXXX keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX XXXX my new mortgage starting in XXXX would be XXXX confirmation # XXXX
Consumer complaint received 2023-11-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2023, I purchased online a {$150000.00} 6 month CD from Chase. The advertised APR was 5.0 % At the end of the 6 months, I was paid {$37.00}. This is an effective APR of 0.05 %. Clearly this is a system error at Chase- a decimal point got moved two places and I was paid XXXX of what I should have received. The Chase website does not show any CDs with such a low rate of interest. No customer would purchase a CD paying 0.05 % APR. I should have been paid {$3700.00}. 

I have complained to Chase and they refuse to acknowledge the error. 

I have attached screen shot of my current CD. Note interest paid in XXXX  of {$37.00}
Consumer complaint received 2024-04-17
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. (NY)

I have Reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX & XX/XX/XXXX & XX/XX/XXXX. Please investiagte and provided proof with statements showing that these were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (GA)

I am submitting this complaint to CAVALRY PORTFOLIO SERV due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (MS)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had 2 capital one credit cards in XXXX or about then. In XXXX I lost my housing, and capital one continued to send my statements to my previous housing and then defaulted statements to a family members home that was previously listed on my credit report although I was unhoused and living in my car. Someone, I'm not sure whom, made multiple fraudulent charges on my two accounts, many online purchases. Eventually the accounts were closed for non-payment by this person ( s ). One account was sold to XXXX XXXX XXXX and one stayed in house with capital one. I contacted capital one about both accounts multiple times once I was on my feet about the fraud and their negligence. I contested at the credit bureaus. Capital one sent me statements to tell which were fraud transactions, but I have told them multiple times I don't know because it was so long ago. Capital One supposedly " investigated '' and closed the investigation with no adjustments or even any communication to me since. I have the statements and many are in places that I never went. It's obvious there is fraud. Their Reps state they don't have access to old accounts but it's listed in my accounts on their app still.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am a natural person, a living human being. I have rights under 15 USC 1681. Equifax is governed by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy, and I didn't give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX/DEPT OF ED XXXX XXXX Account Number XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have had a seurity freeze since XX/XX/XXXX, but Equifax has allowed a new inaccurate trade line from XXXX XXXX on XX/XX/XXXX. Equifax acknowledges it should not have been placed since I have the freeze in place. However, they will not just remove it. Equifax said, I have also file a complaint with The FTC inaddition to the dispute I filled.
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: LEXISNEXIS (FL)

On XX/XX/2023 Lexisnexis received my complaint certified mail about inaccurate information being reported to my consumer report. It has been more than 30 days and I still have not heard from Lexisnexis about my concerns about inaccurate information being reported.Attach to complaint is proof of delivery and copy of letter stating violations. Lexisnexis are violating FCRA guidelines The accounts that are reporting inaccurate and are not 100 % accurate are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (MA)

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.