davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

Over the past two years numerous times I cancelled my membership with XXXX XXXX - XXXX. Despite repeated written cancellations, refuse to cancel the membership and have continued to charge my debit card account each month causing my bank to recommend issuing a new card to stop the automatic withdrawals. They sent a bill for {$97.00} and are ruining my credit by charging a phony balance due. When I spoke with them on the phone they refused again to issue a cancellation of the account. I informed them that I would file a complaint with your agency for assistance in getting the account cancelled, my credit restored, and the balance mentioned cancelled and credited.
Consumer complaint received 2023-02-22
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)

This is my second time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Hello, I would like to formally complain about how Navient is handling my student loans. I am very close to contacting lawyers to help me solve my issues as well. 

Loans in question are 2 private loans. 

Loan one - I took out on XX/XX/2007 for {$36000.00} I have always paid the amount that they give me as my minimum payment and have even paid OVER a time or two. I have deferred the loan a couple of times but only for a couple of months and at the very most 6 months total in time. I have paid into this loan over {$52000.00} to date. My loan balance as of today is {$41000.00}. I feel this is predatory and my minimum amount due should never be so low that my balance grows even while making payments on time. I have asked multiple times to Navient to lower the interest rate. I signed up for the loan with a rate lower than 6 % and it is now a 9.5 % rate and at times even went to a 10.5 % interest rate. 

Loan two - Is not as bad. I took this loan of {$12000.00} out on XX/XX/2007 and same as loan one have made the proper payments, may have been late a few times but always caught it up. I am a XXXX  so sometimes I don't have money and then others, I have a lot to catch up on things. But I have never been over 2 months late and never have had it deferred for more than 6 months total time. With making the payments that are set by Navient I have paid them {$16000.00} to date and my loan balance today is {$12000.00}. 

Two Loans were taken out totaling {$48000.00} in 2007, 12 years later and payments totaling over {$68000.00} and my current balance is {$53000.00}!! 

If this isn't predatory or illegal, I don't know.. This just does not add up. A company just collecting a debt should NEVER put out consumers like this. I can't afford a house and have put off a lot because of these loans only to find out that even paying what they say to pay is actually just making the balance increase?!!
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XX/XX/XXXX I called and spoke to SPS Select Portfolio Mortgage Servicing Company that bought my mortgage in XXXX regarding an unauthorized payment made by SPS to XXXX XXXX XXXX in the amount of {$16000.00}. I did not receive any notice regarding this payment. There was no lien or lien sale regarding the water bill. But instead SPS once again took it upon themselves to pay this bill and to attach it to my mortgage and charge me interest and increase my monthly mortgage amount. This is the second time that SPS has paid a debt on my behalf to only charge me an outrageous amount of interest and monthly amount due. I do not want an escrow account and had intentionally cancelled in in early XXXX. The property tax bill that SPS paid was done against my written notice ( as per company instructions ) to fax letter stating that I do not want the company to pay this debt. My monthly mortgage payment went from {$1000.00} to {$2000.00} due to SPS disregard to my written notice not to pay this debt. Now with the water bill SPS paid has increased the mortgage monthly amount to {$3000.00}. This is a deceptive practice and the first time SPS had ignored my written notice instructing SPS not to pay. The payment made to XXXX XXXX XXXX was done without any merit or notice. The account was not in lien or lien sale. I called today to demand SPS immediately repay the amount of {$16000.00} back to XXXX XXXX XXXX. I was told they would put in a request to research the matter?? I explained that time was of the essence. But the only recourse for me was to wait to see if the advance be repaid to the escrow account? This does not make sense. If the money is not refunded to the XXXX XXXX XXXX in full, the grant will no longer be available and SPS profits by this by charging me interest on said money.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX  XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

updated report on credit usage is inaccurate and has not been updated. XX/XX/XXXX is the last stated statement date and is giving me a higher usage, my credit has not increased and is stagnant due to this is misinformation. I have contacted the company and have not received an response.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the following addresses ( see below ) with Equifax ( see attached letter ) and their response as of XX/XX/XXXX explicitly articulated that all of the addresses had indeed been deleted. I retrieved my most recent credit report on XX/XX/18 and all addresses are still reflected. Equifax did not delete the addresses as they stated in writing. Therefore, I am demanding that these addresses be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Once Equifax has deleted the aforementioned addresses, I would like a full updated copy of my credit report mailed to my address.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (NY)

On XX/XX/2022, the first letter was sent to the credit bureaus TransUnion, XXXX, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Consumer complaint received 2020-01-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc. (NV)

I have been repay my student loan for over three years in person and cash.. In XXXX, about an hour after I submitted my payment. I received an email regarding a missed payment that was made 4 months back.. I come into the office every month and yet no one said anything so I could show the appropriate documentation now it being months later.. I no longer kept the record and when asked them to view there video system they claimed they dont keep it for more then 90 days..
Consumer complaint received 2022-02-21
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. (NJ)

I the Consumer, natural person, am aware that congress makes it clear that there is an abundance of evidence that abusive, deceptive and unfair practices pursuant to 15 USC 1692 ( a ) ( b ), 15 USC 1692e ( 2 ) ( a ) are being displayed such as False representation of character. And it has come to my attention that your response is based on an automated system which is in fact a violation of Consumer rights. In addition, who gave you the authority to furnish false and misleading information on my consumer report? I did not give you written instructions nor was this reasonable. You failed to comply to 15 USC 1635 ( a ) which states you must provide the appropriate forms that I have requested and you havent provided them, so thats clearly another violation. I REQUESTED THAT YOU SEND ME EVERY DOCUMENT PERTAINING TO THIS ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. You have also violated the FDCPA because you did not validate the debt after receiving my validation letter 5 days after you responded to my demand. According to the FDCPA this a {$1000.00} violation along with the others mentioned above.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I have been a victim of identity theft, and I am perplexed as to why your bureau has not followed suit with the actions taken by other credit bureaus in response to my requests. Some of the other credit bureaus have already removed these accounts from their records after acknowledging the errors present. I am confused about how your bureau has verified this information while others have recognized the discrepancies and taken corrective actions. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-02-22
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)

This is my second time requesting 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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XX/XX/2021.
Consumer complaint received 2018-03-05
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. (NJ)

XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score. and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.
Consumer complaint received 2023-12-29
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-02-22
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-12-27
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: AMERICAN EXPRESS COMPANY (GA)

We purchased 2 XXXX XXXX tickets using American Express ( Amex ) Platinum cards and using American Express Travel to do the booking in the summer of XXXX and did not travel due to XXXX. We contacted Amex and booked flights to XXXX again using the travel services of Amex. We were concerned about not losing the XXXX XXXX credit so we asked for and we received the following email from the person who did the booking. we have the original email and we have attached the email thread with our last rep 's conversation below. 

From : XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : XXXXXXXX XXXX remaining credit - Record Locator XXXX  Good morning, It was a pleasure assisting you yesterday! 
I wanted you to have your new ticket # s for the remaining XXXX per person on XXXX XXXX. 
These credits expire on XXXX Ticket # XXXX & XXXX Keep my information for any future travel needs Best Always, PLEASE REMEMBER THAT FARES AND/OR RATES ARE NOT GUARANTEED UNTIL TICKETED AND/OR RESERVATIONS ARE CONFIRMED. 

XXXX XXXX XXXX XXXX XXXXXXXX As you can see, the email dated XX/XX/XXXX of the last year XXXX sent to us from an Amex XXXX XXXX XXXX CLEARLY states that there will be a credit for 2 tickets of {$710.00} per person available till XX/XX/XXXX. We called Amex approximately 2 weeks ago to book this travel. We were put on hold a number of times and ultimately told that Amex could no longer pull of this record but because we had the e-ticket numbers, we should call XXXX XXXX. We did that, and after about 30 minutes on the phone, an XXXX XXXX associate said the ticket was canceled and no longer available. We have contacted Amex again, and now they will not resolve the issue, with amounts to a loss of approx {$1400.00} in value not to mention the efforts we have take to work with them. Amex representative XXXX XXXX created a complaint number for us when we asked for a supervisor. The Amex Complaint Case number is XXXX We feel strongly because Amex representatives XXXX in writing an assurance to us, they should make us whole and refund XXXX in dollars or the equivalent compensation in Amex Points PLUS the many hours of our time to deal with this.
Consumer complaint received 2024-03-12
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by 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 XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$14000.00}.