davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I recently received an updated payment schedule for my loan and I need to understand the information you provided. 


Point 1 ) On XX/XX/XXXX statement my balance was {$80000.00} + {$1300.00} in accrued interest for a total of {$81000.00}. 

Since I paid {$3100.00} since XX/XX/XXXX, it leaves me with a balance of {$78000.00} which shows on the XX/XX/XXXX statement. 

However you wrote to me in XX/XX/XXXX that I had 120 payments left at {$940.00} a month and my estimated interest over the life of the loan was {$32000.00}. 

On XX/XX/XXXX you still show 120 payments remaining at {$940.00} per month and you estimate my future interest payments at {$34000.00}. 

That is an increase of {$2500.00} in interest!! 

How is it possible that the full amount of my interest over the life of the loan is increasing even though I am making payments and no interest is being added because there has been a freezing of interest on the student loan by the Federal government? 

Point 2 ) In addition I had previously requested, in my email on XXXX XXXX to the XXXX, an amortization schedule showing how my monthly payments are being applied and how the interest is being calculated. What interest rate am I really paying!! I am entitled to transparency. XXXX, a Loan Servicing Specialist responded via letter and writes " We are unable to provide calculations regarding how this payment was calculated '' That is absurd! 
I need an amortization schedule. 

Point 3 ) I did my own amortization schedule and based on the principal, payment amount, and 120 months the interest rate was almost 7.85 %!! That is exorbitant and way above current market conditions. I need to reschedule the loan at a lower interest rate or forgiven. 

Point 4 ) My XXXX student loan was {$80000.00} and you deducted 4.248 % as origination fee and on my XXXX loan of {$20000.00} you again deducted about 1 %. So you lent me {$100000.00} total but you only gave XXXX {$96000.00} a difference of {$3600.00}. You also charged me accrued interest {$1300.00} on Loan # 1 and {$310.00} on loan # 2!! totaling {$1600.00} while I am still in school ( I have not graduated as yet ). Also even though I am making payments my interest seems to be increasing. I needed help to be able to further my career and I am left with a toxic loan that doesn't allow me to follow my dreams. 

As I am just about to start my career with the tools that I learned at XXXX over the last 2 years, you have really made my life unnecessarily difficult by charging me so much at this crucial time in my career and at an important moment in the history of the United States as well. My income is very low and I am having difficulty making ends meet. I need some large help with the loan repayment. Please respond with compassion by providing me a plan that takes all this into consideration and affords me a way to create a path for success. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please remove these inquiries to correct my report as soon as possible. 
Thank you!
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Valarity, LLC (OK)

Medical debt turned over to a collection agency has called repeatedly and latest call was a lady named XXXX XXXX who said she has received several complaints about me and needed to discuss them, this was left on my voice mail. Very unnerving and rude. I want these calls to stop! Obviously if I could XXXX would pay this debt. It is XXXX of several medical bills I have accrued this year and am doing my best.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 290 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I the consumer have inquires that are unauthorized and has been furnished without my consent. This is a direct violation of 15 U.S. Code 1681b ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I let both credit companies know this over the phone and they didn't complete their jobs. The credit companies are XXXX, Equifax and XXXX.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CO)

XXXX XXXX/home advisor is a scam company. I tried signing up and I was met with a fraudulent {$800.00} bill for false leads in only 2 DAYS! I cancelled the membership and blocked them from my bank. It turns out they have been sued by the ftc for this exact fraud. Now they are trying to put me in collections/tried to serve me for money i supposedly owe for fraud. This is not ok and I need help
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : 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
Consumer complaint received 2023-08-20
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. (TX)

In according with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX & XXXX account XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the rights 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 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.
Consumer complaint received 2023-08-01
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. (NC)

I am writing to formally lodge a complaint regarding the inaccuracies present on my credit report, as well as the persistent failure to rectify these errors despite multiple dispute attempts. My aim is to bring to your attention the ongoing issues I have faced in attempting to have my credit report corrected and to request your immediate assistance in resolving this matter.
Consumer complaint received 2023-08-20
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. (CT)

XXXX before submitting the lease application to XXXX XXXX XXXX I noticed a significant decrease in my credit score, appeared to be caused by " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX making initial inquiries of my credit on XX/XX/2023 Although I was approved by the above refenced lenders, I have not proceeded with the lease because the credit reporting bureaus keep sending fraud alerts about inquiries from these same companies! 

Complaint : The companies appear to running credit checks on me without my consent. 

Applicable Questions : 1. How do they run credit checks before I submitted the application? 
2. How do they continue to run credit checks on me after the application was approved? 
XXXX. How do I stop it?
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: Experian Information Solutions Inc. (CT)

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 2023-08-20
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: GOLDMAN SACHS BANK USA (GA)

I am composing this letter to bring to your attention a concerning issue regarding a charge-off that your company has reported on my credit report. The debt referred to above has been discharged and officially written off as an uncollectible debt by your organization, leading to a corresponding tax write-off. According to information I have received from the IRS, it is in violation of the law for you to report this data on my credit report, whether for the purposes of collection or to indicate a charged-off status. This is a breach of FCRA 15 USC 1681 ( e ) ( b ). The information being reported is not entirely accurate. I would like to highlight that I retain the option to submit form 3949-A in response to this situation.
Consumer complaint received 2023-08-20
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. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a physical signature, for their inclusion. I recently engaged in communication with your organization regarding this matter, and I am formally requesting the swift blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial distress, as they inaccurately depict my credit history and obligations. Should this issue not be adequately addressed, I am prepared to initiate legal action to safeguard my rights and pursue resolution. The fraudulent entries on my credit record have impeded my capacity to accomplish crucial financial objectives, such as home ownership and fulfilling my family 's needs.
Consumer complaint received 2023-08-20
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)

inquirer : CLARITY SERVICES A PART OF EXPERIAN ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX Number : Telephone Number Not Available Inquiry Date : XX/XX/2021 Name Provided : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX SSN/ID Provided : XXXX Email : No Information Found In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15-USC1681 I have the right to privacy. In 154USC1681 it states that a consumer reporting agency can not furnish an account without my written instructions. Also, under 15USC1666B a creditor may not treat a loan or credit card account under an open consumer credit plan as late for any purpose. I demand this to be immediately removed from all consumer reports that reflect my financial reputation.
Consumer complaint received 2023-08-20
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. (FL)

One of the Credit Bureaus Experian continues to give me a difficult time after years of good credit history. I've complained regarding not having online access to my report. I've logged in and now can't dispute online. I get a message " Due to Security reasons we can not process your dispute online. '' I've contacted them on the phone and the representatives will continue to ask the same questions over and over and will tell me it will take up to 45 days to process disputes but results come back two-three days later with unchanged results. I'm an XXXX and it's difficult calling them during the week when I have a classroom full of students. I wanted to uploaded my student loan forgiveness documents and could not upload. This balance is paid in full. I was forgiven due to paying for loans for XXXX years most on schools that were closed. Experian sent congratulations letter, however, put balance back on report. Also, a company they are working with XXXX a third party debt collection agency has falsely reported {$620.00} on my reports with no documentation I requested and have since changed dates and the placed their name and along with original creditor 's name. I did not have an account with original creditor. The representative knew this information was added and yet tells me it will take up to 45 days to remove. It has now been several months and still there. Something has to be done. Experian continues to give me a difficult time. I've tried disputing an address that isn't mine. XXXX XXXX XXXX which is a home. I've always been in an apartment due to student loan debt being paid. I need these accounts removed and student loan balance shown as {$0.00}. I have documents from Dept of Education and XXXX but could not upload. The other Bureaus worked just fine and have updated. Experian report # XXXX shows latest updates and tells me to call XXXX.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

on XXXX credit card in the amount of {$5000.00} was opened in my name that i know nothing about. i contacted the company and hey told me that if i made a payment to a collection it would be removed from my credit report, but it was not removed.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

I received a call from my credit card company today to alert me that someone has tried to open a new credit card account in my name and the inquiry is a hard inquiry on my credit report that was not my doing. I did not open the account. Someone else has stolen my identity.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Despite providing a FTC Identity Theft Report, fraudulent inquiries were not removed from report. 
Unauthorized or Fraudulent Inquiry. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

It has been 3-4 weeks, call to notify I lost my credit card ( Security service credit union ) . The person helping me didn't get the help I needed to send a credit card. They didn't send me no letter, email, or any closings my account. It come to my attention that I have notified XXXX dealership 3 verbal in person ( 1 ) salesman ( 2 ) finance personal. I notify them I have XXXX  at work and XXXX XXXX XXXX XXXX XXXX Is there anything we can do to bring down the monthly payments. They looked at me and gave me a smile like saying it your puppy. I mentioned to them, when I was been fly XXXX, when I got XXXX XXXX XXXX I told them no charge, the credit card company didn't bother to send me my credit card from security service credit union. I will never trust another XXXX dealership.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX   XXXX   XXXX  acknowledged that I opened the account on  XXXX  and closed my account   XXXX  . I had an account where I paid monthly and the service would be cut off if I did not pay my monthly {$45.00}. I did not sign any 2 year contract and I did not buy a phone from  XXXX   XXXX . When I canceled the account, at  XXXX   XXXX  's approval, they did not inform me that I owed them anything. They say I owed them {$730.00}, but when I contacted  XXXX   XXXX  's headquarters on   XXXX   XXXX   XXXX    , they would not provide me with any proof that I ever owed them anything before the date I closed the account on   XXXX  .     According to the Credit Report,  XXXX   XXXX  indicated I opened the account on  XXXX  - I DID NOT.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian 's data is incomplete. They claim I have only 3 paid on time accounts when all but one of my accounts is paid, whether open or closed, and never late. I have 1 account that was ever late and I did not know there was anything on the account. The amount was {$5.00} that the card company added after I paid it in full on their website. They showed it as {$200.00}. I had no way to know they had added a charge to the account because I had moved to take care of my elderly mother. They made no attempt to contact me beyond mailing notices to my old address. No email or phone call or text. I had even changed my driver 's license and address so they had notice I had moved. Experian should show about a dozen Paid/Never Late accounts but they don't. All of their aggregate data is incorrect giving creditors a completely false picture and reducing my credit score from well over XXXX to the mid XXXX 's over a {$5.00} late payment.. 

In addition, they stole my credit card number and tried to charge me for something I had refused to authorize and blocked me from accessing my account. It took two hours to get someone on the phone to fix it and the next day the same thing happened again.