davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-17
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-21
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)

When I reviewed my credit report, I discovered that some of the information was 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 XXXX
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (FL)

I currently have a car an XXXX XXXX XXXX XXXX, I received from XXXX XXXX XXXX, from the bank XXXX XXXX in XX/XX/XXXX. I paid a down payment of XXXX over the course of 5 weeks. The car payment is XXXX monthly and I am struggling to pay the amount, being that my financial and living situation is not good right now. I didnt know the sum of all charges. I was denied to refinance and receive a lower monthly payment. Now that i am struggling keeping up with the payment, they will call 3-4 times a day everyday asking for a payment and asking when am i going to pay, and to give them a call. Also, text messages and emails. This has cause alot of stress calling all day everyday about the car payment
Consumer complaint received 2022-11-17
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-22
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. (TX)

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX 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
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (OH)

So I XXXX XXXXXXXX on XX/XX/XXXX. I had XXXX and ended up using my XXXX XXXX credit card XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PNC sold my debt to a collection agency, who offered me a deal to pay off what I owed to them and I payed it in full. Now it's been haunting my XXXX XXXX for 2 years. It's difficult having to pay down payments for things and the payments are almost the whole price. I've did my payment. I've done my work. The only thing I owe is federal student loans. Why is this still XXXX  down my score?
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IL)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a matter of fact, XXXX XXXX was investigated by The U.S. Department of Education. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and my XXXX loans of {$39000.00} were XXXX and my credit repaired. 
My XXXX XXXX XXXX was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I got a letter claiming I owe {$36.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and collected by transworld systems inc ( TSI ). 

Noted charge was falsely applied to me while I was using a XXXX XXXX XXXX along with other charger that was over {$100.00}. 

I disputed with my bank part of the {$100.00} as I saw accurate and the whole {$36.00}. The dispute was successful and my bank received no evidence or communication from XXXX. 

transworld systems Inc asked that I write to them by XXXX, XXXX XXXX  or else they will assume that the dept is correct. transworld systems Inc never attempted to call, email, or mail me. transworld systems Inc also falsely claim that I can dispute the claim online which I did XXXX  times. TSI didn't provide any email confirmation or any other way of confirming that they received the dispute. Hence, they can always claim that they never heard back from my and claim that the charge is accurate which is far from true and a practice of criminals. 

transworld systems Inc dispute form allows only uptoXXXX character which is criminally low and didn't allow me to tell my side of the story, or defend myself. 

transworld systems Inc never responded back to my disputes and never provided any evidence of the charge. 

Reference TSI Number XXXX.
Consumer complaint received 2022-11-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Due to misconduct by XXXX XXXX  my federal loan was discharged. I reached out to Sallie Mae in XXXX when these loans were added to my account. I initially applied for a {$1500.00} loan for a laptop via Sallie Mae. However, XXXX XXXX  ran my information for tuition without my consent, which was reported to Federal Student Loan. I have requested a copy of my physical signature for each loan applied to my private loan account, but Navient has been unable to provide it. I have filed multiple complaints against XXXXXXXX XXXX  and Sallie Mae. Unfortunately, Sallie Mae sold my accounts to Navient, and I am currently experiencing difficulties in resolving the loans associated with my account. I am being given the run around in this matter. In XXXX, due to the impact of this loan, I filed for XXXX XXXX and informed Navient in writing through the United States Federal District Court. Navient did not appear in court or object to my XXXX XXXX filing. Representatives from Navient asked for a copy of my discharge and stated that I needed to wait for the Federal Court 's decision regarding my borrow defense case. My loans have already been discharged through the Borrowers Defense, and yet Navient continues to call for payment. I have already paid for my computer more than five times, and this debt should have been discharged following the borrower defense ruling.
Consumer complaint received 2024-04-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation (TX)

Amount apparently owed : around {$900.00}, and another loan taken out without my permission nor knowledge, XX/XX/year> Constant harassment calls ( 2x daily, earlier and later than legal times ), robocalling, very rude communication, being cursed at by a representative, yelling, threats of jail, threats of doing anything they can to ruin my credit, calling and not identifying themselves or giving any information about themselves in order to attain my information, telling me if I don't pay them today they'll sue, etc. Incredibly unprofessional and stressful, not to mention illegal. I've been dealing with this nearly a year now.
Consumer complaint received 2023-04-11
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. (CO)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2018-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

This is a secondary Complaint to Complaint # XXXX : the answer from Nissan Motor was entirely unresponsive. HEADLINE : I have, and have attached, legal Power of  Attorney. There were numerous docs sent with Complaint, but I am sending only 1 attached document. 

I ask for a responsive answer to Complaint # XXXX, base upon the fact that I possess Power of Attorney for the owner of the financial document, XXXX XXXX. 

I have submitted a Response to Nissan Motor 's Answer as being unresponsive : kindly, submit a productive answer ; or open a dialogue in order to resolve this matter and prevent further action.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid 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. (NY)

I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.
Consumer complaint received 2023-05-11
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. (PA)

I am really angry that they are appearing on my credit record, therefore I beg that you kindly erase this account since it is not mine. They truly let me down by making me go through this, and I feel terrible. I want the business to take this off my credit report as soon as they can. Unquestionably not mine!
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

An account was fraudulently opened on today with Bank of America. The person opened an Advantage SafeBalance Banking account - which by research is also known as a " checkless '' checking account. They opened the account using my maiden name AGAIN. ( XXXX ) and my social security number. I did not open an account with Bank of America. I was notified via email of the account number and another email with an " In processing '' Application confirmation XXXX. All of this took place after midnight. Shortly after, I received another email that my email address had been updated. When I attempted to try and find out how this account was opened without my consent, I was met with a phone number to identify for security reasons that does not belong to me. I have placed a fraud and security alert with XXXX as well as placed a credit freeze on XXXX, XXXX, and XXXX.
Consumer complaint received 2023-01-07
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. (LA)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2017-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Reference to  CFP B Complaint No.   XXXX . Complaint was closed with the comment : Pursuant to User Agreement, you must open a Dispute within 45 days after the date of payment. Your  Buyer Dispute  was initiated 123 days after payment, therefore was ineligible for this protection.     Payment was made thr ough Paypal , Inc ( Pa ymen t Services ) . In the payment receipt fro m Paypal it was mentioned as " Need to file a dispute : If you have a problem with this payment to someone in   another country, you have up to 180 days to file the dispute. '' So this complaint has to be opened again a  nd Paypal must refund the fraud transaction. See attached receipt from Paypal.
I tried to contact Paypal that time against this fraud but they say some reason and did not move forward to register my complaint. Simp  ly wasted my time.
Consumer complaint received 2018-10-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Equitable Acceptance Corp (MD)

I was in contact with Equitable Acceptance about cancelling my contract with them. I also asked for a refund of the {$650.00} that i put into this business for them putting my school loan on hold for a year. Thats something i could did on my own for free, my school loan is still the same balance and i want a full refund of the money i put into this company. I was told i can take this to the states attorney which i do not want to do because it shouldnt take that. But Ive waited for two weeks for a response and havent got one.  When i call the company they say they have no file with me anymore its through XXXX XXXX. Which Im not contracted with them either. I paid Equitable Acceptance, so equitable acceptance should be refunding my money. I could use that money and actually apply it towards my school loan, since thats what i was told it would wipe away my loan.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

Recently, I did an investigation on my credit report which caused excruciating pain, mental anguish, severe XXXX upon me when, I found Questionable Items that your agency Experian is reporting. Ive sent out multiple letters to Experian to no avail Experian has failed to respond to my request. Iam writing to file a complaint with the Consumer Financial Protection Bureau regarding an extended fraud alert that remains on my credit report despite multiple attempts to correct the information damaging my credit report and making it difficult for me to obtain Credit or Loans.. Ive sent multiple letters to Experian requesting the immediate removal and provide me with documentation a free copy of my Experian Credit Report so that I can assess that it has been removed immediately.