davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (PA)

On XX/XX/year>, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXXXXXX XXXX  XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for XXXX  if not XXXX XXXX XXXX XXXX XXXX per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXXXXXX XXXX XXXXXXXX case XXXX ''
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-09
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: CITIBANK, N.A. (AZ)

RE : White Chocolate Grill Fraud Charges To Whom it XXXX concern : I have requested Citi Card STOP payment to XXXX XXXX XXXX in XXXX, XXXX. Citi card did NOTHING to investigate. The merchant has been nonresponsive to me and to Citi card. Citi card didn't even ask them to provide proof of a receipt. I have reached out to the BBB and the merchant didn't respond to them either. 

My citi card ends in XXXX and my address is : XXXX XXXX XXXX XXXX XXXX, AZ XXXX I can be reached at : XXXX to verify my account. 
-- -- Here is a summary of what happened and was requested of Citi XXXX. 

We visited XXXX XXXX XXXX on XXXX on XX/XX/year>. The reservation was under XXXX for XXXX. Our order was as follows : XXXX shrimp XXXX app XXXX egg roll app XXXX fish meal that was dry and terrible and the server agreed to comp the meal XXXX other entre XXXX glass of champagne XXXX espresso martini XXXX mules XXXX other drinks I think they were XXXX gimlets XXXX desserts We saw a charge of {$340.00} on our account and have since asked for the receipt multiple times. The restaurant refuses to provide us with a receipt and can not provide proof our meal was {$340.00}, especially with the comped entre. We believe that our check was changed or fraudulently altered. As no one will call us back with a receipt email or text it we have no faith that the charge is accurate and it seems highly inflated. We are asking Citi to please stop payment on {$85.00} of this total bill as we have no receipt and the restaurant will not provide XXXX. 

Please stop payment on {$85.00} of the {$340.00} charge until the receipt is provided. 
Thank you. 


XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-08-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Alliances, Inc. (FL)

I received a legal notice from First Portfolio Ventures II, LLc, summoning me to appear in court regarding a debt they claimed I owed a company named " XXXX ''. After a discussion between my attorney and the company, both parties reached an agreement to dismiss the lawsuit.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.
Consumer complaint received 2022-10-25
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. (FL)

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 2022-10-25
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. (FL)

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 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (WY)

I deposited a XXXX check from an FTC settlement through an ATM which now has my account overdrawn so I can't access anything city bank wont say anything about the account to us bank if the funds are their so the hold is not able to be removed this is costing me work hrs and more as I needed this money to buy parts for my vehicle they ran me around for 4 hrs this am telling me call this call that all to be led back by to the branch manager who says they can't get citi bank to verify funds for a gov. Check deposited im going to have to get a new bank take losses all because banks can't seem to verify if money is in an account with another bank XXXX XXXX XXXX and us bank XXXX XXXX XXXX XXXX they are a failing branch and this is why I have deposited XXXX other checks from the same settlement. I will have this published I will contact the XXXX have it published as the bank said the back offices put the hold but their is no way to contact them to rectify this so everyone needs to know this.
Consumer complaint received 2023-06-08
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: SYNCHRONY FINANCIAL (TX)

While using Amazon I attempted to apply for Amazon XXXX but by mistake it was something associated with synchrony Bank I was not trying to apply for credit as soon as I was alerted on XXXX XXXX  I called directly to synchrony Bank to let them know of what had happened and please to remove that inquiry they said they would do so and it has not yet been done and that was almost three or four months ago.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I was a student at XXXX University, a school which knowingly defrauded students/borrowers. I have a private loan through Navient in regards to this school, and it was taken out due to XXXX giving false statements about increased job opportunities, better placement, and better hiring rates. I've paid this loan for years, even with an exorbitant interest rate of XXXX  %. I am not in default, nor have I ever been. It would seem fair that this loan be forgiven - I only have about {$400.00} left in payments.
Consumer complaint received 2022-10-25
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. (MA)

I have a few questions. In your response you state that you consider the furnisher 's response. 
Other than " we said so '' what was their response? 
Another statement says " In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. '' I provided evidence the car had been totaled, and the insurance company settled and paid them directly. You are able to verify the document authenticity with the insurance company. This should be enough to remove item without contacting the furnisher that continues to report false information even when presented with evidence. 
Lastly in the state of NY collections and charge offs are to be removed from report after 5yrs. This rule applies even when individual moves to a different state. The law follows where the debt was incurred. I confirmed this with a credit lawyer. This item has been on my report for nearly 7yrs and should be eligible for early exclusion even on 7yr standard. 

I feel there is a conflict of interest that you are paid by the furnisher for the privilege of being able to report with you. I realize this will never change but there should have some sort of accountability to report accurately regardless of what the entity paying you says when presented evidence they are not being honest.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (OR)

In accordance with the fair credit Reporting Act, bureaus have violated my rights 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 a account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I have contacted several time XXXX XXXX and XXXX XXXX XXXX  to remove bank accounts from my credit report that they had agreed previously to delete after I paid the owed amount, it has been several months or almost 2 years since I paid those and they are still reporting then to all credit bureaus as charge off - paid but has not removed as they verbally agree to get then remove. 

I have also submitted several letters to the credit bureau asking them to remove the information from my record and they always reply back stating that it was not me who submitted the letter even though I have provided my personal documentation.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (CA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-09-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AL)

I requested that I.C. Systems validate this debt with documentation. The company did not respond and did not provide any information to me. It has been 44 days since my request, which is past the required 30 days to respond. This account must be deleted from my credit report and all attempts to collect must be stopped.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (IN)

Went to check credit report in hopes to buy a home and noticed One Main on credit file. Called company One Main Financial because I recently received a notice of garnishment. I was a cosigner on loan. I noticed on my credit as well as the actual borrowers credit report the debt shows as a charge off and written off for {$6600.00}, which says updated in XXXX of XXXX. It also shows updated balance of {$7400.00} as of XXXX XXXX. When stated to rep she said it was not. It was said back to her, " Why are you guys reporting this in this way on credit report? All I want is the XXXX that should have been sent. '' She stated it was not available because it wasn't actually written off. I said so you lied on top of trying to collect it from the borrower and myself? She then stated I need to speak with XXXX and she wasn't the best to ask about this. The XXXX I had to look for on court docs because she gave wrong number. Called XXXX XXXX on XX/XX/XXXX. I tried calling lawyer office after with no answer. This all concerns me because I feel they a lying and misleading with no clear answers.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I contacted National Credit Systems after a rude woman by the name of Ms.XXXX called me. I sent back the form I had to fill out concerning the fraudulently debt so National Credit Systems could do their investigation regarding the debt. Also, I took it one step farther and contacted XXXX XXXX XXXX and spoke with XXXX the assistant manager. She informed me that once I dispute XXXX XXXX should receive the dispute and she would have them {$0.00} the charge out for identity thief because they have no paper application, drivers license and none of my personal contact information. National Credit Systems has failed to contact XXXX XXXX XXXX. When you dispute a collection charge the collection agency has to follow up with the original creditor and National Credit Systems has fail to due so. Please investigate National Credit Systems and have them send the CFPB proof that National Credit Systems has disputed tis with XXXX XXXX XXXX. Ms. XXXX who works at National Credit Systems is very rude and unprofessional. Again if I have to pay this debt I will take National Credit Systems and XXXX XXXX XXXX to court.
Consumer complaint received 2023-08-09
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. (WI)

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.

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 2022-10-26
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. (CA)

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : DEPT OFEDUCATIONXXXX XXXX XXXX : {$11000.00} ; DEPT OF EDXXXX XXXX XXXX : {$3300.00}
Consumer complaint received 2023-06-19
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.