davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I'm from a low income household and even though I received a XXXX XXXX it was not enough to pay for tuition and I had to take out private student loans with Sallie Mae and Navient in order to pay tuition. I was charged excessive fees beginning with initial loan disbursement fees and have since incurred late fees, adjustments, and unjust capitalized interest. I was unable to pay the full amount of all of my loan payments upon graduation as I was unable to obtain a suitable job or livable wages for a XXXX XXXX  after graduating amid the recession of XXXX. I was harassed nonstop by collectors for these loans who even threatened to garnish my wages when I was making minimum wage and barely able to afford rent. The only option I was given at the time was forbearance and interest capitalization. Once I finally had some work experience and was able to obtain a " real '' job in XXXX I was able to begin making payments and have continued to do so despite financial struggles, medical debts and the steep cost of living in XXXX. Although I have consistently made payments my loan repayment period had to be extended due to the loan amounts snowballing over the capitalized interest and fees. The original amount of my loans is {$70000.00} and to date I have paid about {$50000.00} leaving the initial remaining loan amount to be about {$20000.00}. Instead, because of interest and fees, my overall balance is still over my original loan amount and I owe {$79000.00} and I will be in repayment until XXXX. How is it that individuals from low-income households are forced to pay double or triple the amount for a college education due to unfair interest capitalization processes? I was given no choice or other option than forbearance. Interest and fees should be waived for these student loans. 

" XXXX XXXX '' XXXX XXXX XXXX + XXXX '' Origg+Int. 
-Current '' Fees Paid '' XXXX XXXX Would Be '' XXXX {$20000.00} {$18000.00} {$13000.00} {$31000.00} {$11000.00} {$1000.00} {$12000.00} {$6200.00} XXXX {$22000.00} {$17000.00} {$18000.00} {$35000.00} {$13000.00} {$950.00} {$14000.00} {$2900.00} XXXX {$3800.00} {$2900.00} {$3000.00} {$6000.00} {$2200.00} {$300.00} {$2500.00} {$440.00} XXXX {$15000.00} {$13000.00} {$11000.00} {$24000.00} {$9100.00} {$660.00} {$9700.00} {$3800.00} XXXX {$10000.00} {$10000.00} {$6800.00} {$16000.00} {$6400.00} {$230.00} {$6600.00} {$3300.00} XXXX {$6800.00} {$7800.00} {$3200.00} {$11000.00} {$4100.00} {$360.00} {$4500.00} {$3200.00} {$79000.00} {$70000.00} {$56000.00} {$120000.00} {$46000.00} {$3500.00} {$50000.00} {$20000.00}
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I received a letter from Portfolio Recovery for an alledged debt appearing illegally on my credit report for an alledged amount $ XXXX. 

Portfolio Recovery - # XXXX. 

I want this information removed from both XXXX XXXX and XXXX reports which is too old to be reporting on my reports. 

This alledged account also states it was charged off on a date that indicates this account has been RE-AGED!! 


RE-AGING is a very serious VIOLATION and I can sue for this alone. 

I received a letter from Portfolio Recovery dated XX/XX/XXXX which states that NEW information be sent with my dispute. 

I am sending the information by uploading it today in this complaint. 

I am uploading a letter from XXXXXXXX XXXX who you supposedly purchased this alledged debt from and it clearly shows a Last Payment Date of XX/XX/XXXX on XXXX XXXX credit report and the actual letter from XXXXXXXX XXXX  also showing a Last Payment Date XX/XX/XXXX. 

Remove this account immediately it is too OLD and clearly without a doubt reporting illegally for more than 7 years, which is another blatant violation in accordance with FCRA 611.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OK)

citi bank closed all my accounts for no reason, no notice no email no text I called and ask why and got told i had to send them a letter asking for the reason, all my accounts was in great standings, last week got a letter saying they wanted to upgrade my accounts. i got told my balances would become my limit until paided off and that it would put my credit at risk until paid in full as it would show me total credit used and that would reflex on my credit score.
Consumer complaint received 2024-04-11
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-11
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

My account received several payments last XXXX until this month of XXXX. However, when I tried transferring the funds to my bank, Paypal denied my transfer and to make it worse, restricted my access to the account. To add to that, Paypal is still accepting funds coming in from my clients while restricting me from accessing the funds. It has been about 2 weeks now since they restricted my account and until now I still can not do anything about my funds. Since I do not have access to the funds, my business has suffered a great setback as I am unable to fulfill our services and pay our suppliers. Hope you can assist me.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cash app closed my account that had {$760.00} in it. When I tried to reach out to someone at cash app I get the run around. I called and was hung up on twice. My account got taken on XX/XX/2023. I have been trying to get this issue resolved since then.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XX/XX/2022
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (LA)

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 2024-04-11
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. (CA)

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. 

XXXX XXXX XXXX Opened XX/XX/XXXX {$260.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$390.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} collection bureau of a 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 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 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a payroll check to my account on XXXX XXXX, The funds were available to me and I received an email saying your check is accepted. I used my money to pay bills. suddenly on XXXX XXXX my check was taken back and my account went in to negative. 

on calling the bank, they said that the cheque got returned because they couldn't verify. and the funds will get back to my employers account. its been a week that neither does my employer received the funds neither does my account has it. on calling various different departments every time I am asked to wait for few more days.
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Services, Your recent email is a clear attempt to shift the burden of proof onto me, using manipulative tactics to twist my dispute and demands. You request receipts from me, despite my initial request for them, and ignore the irrefutable photographic evidence I provided. My photos, dated and timestamped, show the carpets were brand new upon move-in and just as pristine upon move-out. The landlord 's futile attempt to dodge my request for evidence of the carpets needing shampooing, coupled with their failure to render any receipts as demanded in my dispute, constitutes an explicit admission of their lack of proof. This charge is thus null and ridiculous. 

I also provided a photographic copy of my 30-Day Notice, typed, signed, and dated, which was accepted by the manageXXXX of XXXX XXXX XXXX main office on XXXX, XXXX XX/XX/2023. I have been professional and responsive in my dispute, yet met with stalling and dismissiveness. 

I demand : Resolve my dispute and close this account Remove the false debt from my credit report immediately Accept my evidence and acknowledge the facts Failure to do so will be met with further action and exposure of your unethical practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

XXXX from Navient called me on Friday, XX/XX/year>, regarding forgiving my private student loans. I told XXXX on the recorded line to send me in writing to my email address and I would have an attorney review. On Monday, XX/XX/year>, I received a letter in my email relaying that roughly a {$46000.00} balance would remain of private student loans of the roughly {$310000.00} balance with a full balance payment being due XX/XX/year>. 

XXXX called same day as letter received in my email ( XX/XX/year> ) while I was at work. I relayed to XXXX that I was at work and I would review and would be unavailable for the next few days and would discuss with an attorney. XXXX has consistently called every single day leaving threatening voicemails to escalate his tactics to collect this debt. Since then he has called my daughter, my mother, my father all claiming they are listed as my contacts. I do not have any contacts listed for any of my debts. I have been a XXXX mother and have been solely responsible for all my debt and would never involve anyone else in my personal business. 

I contacted XXXX of Navient today and made it perfectly clear he was to cease and desist contacting me and my family as I was already attempting to handle this debt and calling me while I am an XXXX XXXX at work was unacceptable. XXXX immediately called me back on my cell phone even though he was told I was at work. I had to call and report him to his supervisor XXXX. However, I still have family members texting me while I am at work reporting that XXXX of Navient is leaving voicemails stating that they are listed as a contact of mine for this account and requesting that I call him.
Consumer complaint received 2024-03-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriHome Mortgage Company, LLC (GA)

XX/XX/scrub>XXXX XXXX XXXX ... Debt Collector was given 21 calendar days to submit an affidavit to rebutt the Affidavit of the Claimant/s and was given proper Notice of None-Existing Debt and given opportunity to XXXX. Debt Collector has acknowledged with it's refusal to present Certifiable Evidence of the existence of an actual Note in which case would be possible evidence of a debt. Debt Collector continues to threaten and harass Affiant/s with abusive language during debt dispute. This filing will count as the final warning before a Criminal Complaint is filed via the Attorney General Offices. There also may be a report filed on MAIL FRAUD via UCC 1 Financing Statement against your office, alone with any and All agents acting in concert. Not excluding Extortion, False and misleading statements and perjury. Please give testimony that the Note is legitimate ( Not a False Copy without Endorsement ), and Give Rebuttal to the Sworn Affidavit as required under penalty of PERJURY!!! NOTICE : AMERIHOME, PRINCIPAL and AGENTS now have 3 calendar days from today XX/XX/2024 to settle this matter as stated or are in DEFAULT as having Accepted the Affidavit of " alleged debtor/s '' as Truth and is the final agreement between all involved parties and is agreed that the account will show corrected/adjusted to reflect.Thanks!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-03-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an electronic Amex gift card from a friend and have been trying to use it at various retailers. I have called for assistance twice. 
The first time, the representative promised to look into it and get back to me, but never did. The second representative just suggested that I go to stores in person and punch in the card numbers. That is not even possible. No stores allow you to do that. 
The guy mentioned listing some ban on XXXX and that it should work in 24 hours. Then when I asked further questions about why there would even be a ban on websites that he would need to lift, he proceeded to say if you are speaking I cant hear you. And Ill be hanging up. He spoke over me 3 times and then hung up and did not bother to contact me. 
At this point I have {$2000.00} stuck on a card that I can only use at very random places. I am now just trying to spend money on any site just to be able to get the card to work. 
I dont think its right for Amex to sell gift cards that can not be used at most online retailers. They also dont give you an option to switch to a physical card or get your money back. 

In my screenshot you can see that I have more than enough funds to cover the purchase on XXXX, yet the transaction wont go through.
Consumer complaint received 2018-11-28
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: EQUIFAX, INC. (IN)

I provided Equifax and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. Equifax and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on Equifax less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX has removed the item as they verified the documentation.