davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

School : University of XXXX ( XXXX XXXX XXXX, XXXX ) HI CFPB, I just wanted to let you know about my experience with Navient. I have around {$60000.00} worth of debt and pay around {$1000.00} a month to them. I tried to get them to extend my payment schedule or put me on an income based repayment plan, but they refused. Now, I ca n't move out of my parent 's house, ca n't afford grad school, and I am barely breaking even each month. I tried to consolidate my loans through another bank, because I was unable to pay Navient for three months last year. 

Thank you for all that you do. Please help fix this crisis. 

Cheers, XXXX XXXX
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I am a victim of the illegal practices conducted by Navient. I was contacted by phone by an automated system letting me know I can request forbearance of my loan and then I was emailed and was asked to reply with a simple " Yes '' in the email if I wanted to participate in forbearance. I have done this 3 times because now I am in a cycle of increasing the interest on my loan and not earning enough money to pay it. I thought the emails were too simple a solution to my problem but I had trust in Navient and their solutions and debt managing. I do n't know what to do but I am glad that they are being sued by the Federal government.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Experian has failed to remove the account when a validation of debt letter was sent to the creditor over a year ago, and they did not validate the account or send a 1099. Lastly, this account is closed yet Experian is continuing to increase the number of days late. I will attach my credit report to show proof. XXXX and XXXX have since removed the account and I am requesting the following accounts to be removed from my Experian credit report within 7 days : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

I have a 2 collections with Transworld Systems for the amount of XXXX, That i have paid, this payment was made XX/XX/2021, I spoke with Transworld and ask if payment was made in full, if they could removed from my credit report, they stated they could not, i would like this removed from my credit report, and to show that this has been paid.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing Portfolio Recovery Associates, LLC. During the process I discovered an account was opened that was due to fraud. Portfolio did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.
Consumer complaint received 2021-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX  data breach and may have found its way into the hands of the wrong person.
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

I called to make aware 2 weeks ago regarding fraudulent charges made on my card. They were going back to May since I was on bed rest for 12 weeks. I was told Id get a form to fill out and writhing 10 business days receive a credit while charges were being investigated. I received my new card but no letter to report charges and on top of that my card has been blocked to where it can not be used. I want my money back asap! This company has a habit of playing with ppls money.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that TransUnion have included the information below in my credit profile and that you 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. How did you verify the date last active & why this you re-aged this account? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/XXXX, therefore the date you have reported for date of last payment XX/XX/XXXX & date last active XX/XX/XXXX ( REAGED ) in inaccurate and wrong. Also this account has been in dispute for the past 9months, why does it not state that in the comment section? You have charged off as bad debt. Dispute resolved, responded by grantor. It should state account in dispute. 
The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my TransUnion credit report showing proof of the inaccuracies reporting on my credit profile.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), they may be liable for false reporting.
Consumer complaint received 2024-03-08
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. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022 I noticed a charge on my Wells Fargo credit card of {$490.00}. I called the number listed on the charge and was told it was for an internet protection which I did not purchase. 
I was told that to remove the charge I would have to enter two amounts of {$250.00} and the charge would be deleted. Unknown to me, they had control of my computer and they entered the amount of {$25000.00}. So it appeared on my screen that I had deposited {$25000.00} into my checking account. In order to remove that money I had to send two wire transfers totaling {$25000.00} to an account in XXXX. 
So I went to the bank and had those wire transfers completed. I did NOT instruct the teller to charge my two credit card accounts. I wanted the money taken from my checking account. 
Of course there was no {$25000.00} in my checking account. 
So, without my consent, or even my knowledge, my two credit cards were charged {$25000.00} If the banker had asked me where to get where to get the funds, it would have been apparent it was a scam, but SHE DID NOT ASK. She arbitrarily and without my permission, charged my two accounts. 
By the time I realized it was a scam, the transfers were already made. I feel I was defrauded twice : once by the scammers and once by the bank. 
I have spoken with the bank on several occasions and have sent a dispute letter. And have filed a police report. 
Wells Fargo has determined there was no fraud.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MN)

on XX/XX/2021 I have noticed transaction charges of XXXX on my account that I did not authorize, I have notified Chase bank and the vendor listed Chase XXXX XXXX XXXX the vendor acknowledged and notified me that they will cancel as fraudulent application. The bank declined to credit the funds back to my account. I have spoken to XXXX Claims specialist who also declined to call the source directly to clarify the transaction. Claim # XXXX.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

I noticed a delinquent account on my credit report for MRS Associates due to XXXX XXXX XXXX mobility. 

I contacted MRS Associates on XX/XX/XXXX and was informed they are a debt collection agency trying to collect a debt from a closed XXXX XXXX XXXX mobility account. Details for the account were given and are as follows : XXXX XXXX XXXX account closed on XXXX XX/XX/XXXX for balance of XXXX Account number of XXXX Number tied to account was XXXX Address for account was XXXX XXXX XXXX XXXX, TX XXXX I spoke with XXXX and was given a call back number of XXXX On XXXX XX/XX/XXXX, I then contacted XXXX XXXX XXXX to report the fraud/identity theft. I submitted a form on att.com/fraudinquiry. 

-- - I have never had a XXXX XXXX XXXX account. I have never sponsored anyone to open an account. I do not live, nor have I ever lived at the address for the account. 

I am a XXXX employee and my social was compromised in a data leak from XXXX. I have always paid my debts and did not have any delinquent accounts on my credit reports. I am looking to have this debt erased and report removed from my credit report. 

Please contact me on my cell phone at XXXX. Thanks for your help. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I made the payment in XXXX. It was removed off my credit report. Now 5-8 months later I'm getting a call that I owe money when I already paid. They are saying they have no record of payment when they even took off my credit report.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (MA)

my mortgage includes escrow however my mortgage/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat.
Consumer complaint received 2021-12-28
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: BARCLAYS BANK DELAWARE (NY)

I transacted with merchant ( XXXX XXXX ) for {$1000.00} on XX/XX/2021. The merchant was unable to fulfill service and promised a refund of {$94.00}. After calling and e-mailing the merchant and receiving no response I opened a dispute with Barclays for my Jetblue Card which was used for the transaction. 

The merchant contacted me and offered to send a check but asked that I close the dispute. I did not want to close the dispute prior to a formal resolution for fear that the merchant would not fulfill the refund. Barclays subsequently closed the dispute although I informed them that I rather the refund be issued to the original payment method which was my card product. After the closure the merchant failed to issue the refund of {$94.00}. 

I contacted Barclays and informed them and asked for the dispute to be reopened. It is now XXXX and I had to contact Barclay for an update to the status of my dispute. They once again closed the dispute simply because the merchant told them I declined the refund and that they had attempted to contact me. They did not validate these claims with me; had they contacted me they would know that the merchant has not reached out to me, nor have I formally decline any refund with the merchant. 

As of XX/XX/2021 I contacted Barclay 's twice regarding this dispute and both times the agent hung up on me. I have received NO call back. This is obscene. After the first closure, Jetblue reversed the chargeback which required me to make payment on a disputed transaction or risk impact to my credit history. I have provided sufficient documentation that shows I initially acquiesced to the merchants offer to refund me via check ; however, I believe 3-months for the issues of a check is unheard of. Additionally, Jetblue has required no substantiating proof from the merchant that they have issued and/or intend to issue the check. They have informed me it is now my responsibility to contact the merchant.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (ND)

I talked to Navient in XXXX and told them that I would like to pay off the student loan in XXXX. My account manager said that I would have to keep the account in good standing for 3 months in order to get a discount. I said that they should stop taking money from automatic withdrawal because I would call and make a payment monthly. they told me that would be fine. I made the payments on the phone and paid by credit and debit card. Then in XXXX I called to see what the pay off amount would be and they took 10 % off. Then in XXXX I got a bill for {$190.00}. I called them again. They told me that whoever told me the pay off amount should n't have told me that amount because the most they could take off was {$200.00}. I told them that was n't my problem because the account manager put me on half to talk to a supervisor to get this approved. The person I was talking would n't budge. He kept putting me on hold to talk to his supervisor. I told him they could call me back when they have everything worked out because they were done wasting my time. Then I found out that While I was making phone payments they were also taking money out of the bank account that was set up for automatic withdrawal. So they own me money. Also they overdrew the account by taking out the payment that was already paid.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I will be taking XXXX, XXXX and transunion to arbitration Under Unfair and deceptive practices For seeming to do what ever they want with my consumer report including furnishing transaction history and experiences Which under 15 us code 1681a is excluded from your consumer report Credit bureaus also have been asked multiple times to provide the method of verification full documentation of what was used to investigate verified accounts, which they never did and are still holding accounts they never provided proof of on my Consumer report I am giving credit bureaus thirty days before I file a claim to take them to arbitration In three days of receipt of this notice to cure this consumer report also Remove All accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If no refute of this notice is responded to in three days than this Agreement is accepted
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX