davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Hi- I am a victim of Navients predatory lending practices when I took out my first loan through Sallie Mae back in 2007. They assured me that a 10-15 % variable rate loan was a good loan and I proceeded with their guidance. I borrowed approximately XXXX to go to school. By the time I was out of school that amount had ballooned to approximately XXXX. I asked many times about repayment options and all they did for me was put me into forbearance. Everytime I was put into a forbearance I had to pay a XXXX fee and then I would have a forbearance for 6 months. The amount would balloon making my debt grow and grow and grow. They harrassed me and my cosigners, who were my parents, they made my life a living XXXX and I literally have XXXX and anxiety over this. They would tell me " well we aren't the ones who decided to borrow this money '' or they'd gaslight me and say " sir, do you know how a loan works? '' when I was trying to explain to them that my loan was being mismanaged. It made me regret ever going to school. 

Finally I was able to find a job and I had agree 'd upon making payments with Navient. They put me in a temporary reduced interest rate program that lowered my interest 10-15 % variable rate loan to 5 % but only temporarily and this too cost a fee. My payment was around XXXX a month. I had been making these payments for close to 3 or 4 years when the reduced interest rate program had ended. I paid off almost nothing over this period of time. Even with my job, this was a major struggle. Finally, I had reached a point where I had to escape this predatory lending and luckily I qualified to refinance at a lower interest rate and this would get my cosigners off. However, I now have much much more debt than I'd ever have because of these predatory loans. After approximately 8 years of paying XXXX a month, my balance is still at XXXX. I have paid for my education over the years and because of the predatory lending terms, I my debt has only grown. With this new Navient lawsuit I need to go on the record and state that just because I worked tirelessly to try and manage these loans the best I could, and did not default, does not make me any less of a victim. My life has been plagued with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am unable to buy a home, I was unable to practice my craft out of school and instead had to take the highest paying job in order to pay these loans. It has wrecked my career, my mental health, my relationship with my family and my financial life. I am 100 % a victim and will not stand by and not be seen. I have records beyond records of faulty information. It's nearly impossible to track how my money was being applied to the loan. Please help or guide with any information. I am providing documents as well. This also is not my first time contacting the CFPB about this matter and I am fully prepared to escalate this fight if it does not end here.
Consumer complaint received 2021-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I've sent three credit report disputes to Experian, XXXX  and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX XXXX # XXXX SPS XXXX XXXX XXXX XXXX XXXX UTAH XXXX ( XXXX ) XXXX I HAVE PAID MY TRIAL DUES VERY TIMELY STILL, THE BANK REFUSING TO REMOVE FALSE FEES OFF MY ACCOUNT STATEMENT DATED XX/XX/2022 UNDER ACCT. INFORMATION {$45.00} UNPAID LATE CHARGES, {$120.00} OTHER CHARGES AND FEES. {$1.00} ESCROW TAXES AND INSURANCE {$0.00} CENTS, ESCROW TAXES TO DATE {$16.00}, PARTIAL PAYMENT FEE {$6.00} DESPITE NEVER HAVING ESCROW DUES ON MY ACCOUNTFROM DAY 1 AND I PAID MY FLOOD INSURANCE DUES VERY TIMELY NEVER LATE. I JUST NEED A CHANCE AS A XXXX XXXX VETERAN TO SAVE MY PROPERTY EVEN THOUGH I WAS BADLY FINANCIALLY IMPACTED BY COVID19 DISASTER THE COMPANY OVER YEARS REFUSE TO DELETE BUILT IN ILLEGAL FEES MY ACCOUNT SEVERAL YEARS NOW.
Consumer complaint received 2021-06-16
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: WELLS FARGO & COMPANY (CT)

please review the following accounts that are reported on my credit report, without any authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft WFDS Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXX XXXX Account number N/A, MisleadingXXXX, XXXX XXXX XXXX XXXX Account number N/A Misleading., XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX  : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (GA)

Notice To Intent Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, XXXX, XXXX, insurance, mortgage, professional services, retail, XXXX, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Consumer complaint received 2020-03-17
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: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( National Credit Adjusters ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that National Credit Adjusters were no longer collecting on this account.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (MD)

I previously was an XXXX  customer. Due to multiple better business bureau complaints XXXX told me that they will let me out of my contract if i returned the phones to an XXXX  XXXX store, which i did. Several months later i started getting contact from various collection agencies regarding the XXXX  account that i wasnt informed that i owed. Instead of continuing to argue with XXXX, I decided to include the XXXX  account in my bankruptcy. XXXX  was notified that the bankruptcy was filed. After they was notified they sold the account to AFNI. I have contacted AFNI on multiple occasions regarding this account. Once my bankruptcy was discharged i had to send AFNI my court documents proving that it was discharged. After receiving my files AFNI told me they closed the account. Then they started to harass me again. XXXX  blames afni and AFNI blames XXXX. AFNI told me on XX/XX/XXXX that it didnt matter that the account was discharged i need to pay it anyway. Another rep told me to go to XXXX. I spoke to XXXX  on XX/XX/XXXX Their rep XXXX XXXX told me AFNI needs to close the account. AFNI tells me i still have to pay although it has been discharged in bankruptcy, which is against federal law! The bankruptcy law states that no creditor can collect on any account that has been discharged due to bankruptcy. AFNI is a fraudulent collection agency! The government needs to shut them down. Instead of settlement in the fraudulent business practices case against AFNI the government should have shut them down
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a  mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX/XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should  redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of  Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2022-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (CA)

This is a goodwill letter I sent to Affirm and was not granted an adjustment. 

I am writing this letter in regards to a loan I acquired two years ago through Affirm to purchase an air filter from XXXX. Unfortunately this was during the global lockdown due to COVID-19. I was unemployed and was unable to make two payments from XXXX XXXX, 2021 to XX/XX/ 2021. As soon as I was employed I paid off the full amount, 60 days past due. Understandably my credit score/ report was affected. It has made it very difficult to apply for a car loan or get a reasonable interest rate on a mortgage for a home. I would like to make a goodwill adjustment to your reporting to the three credit agencies ; XXXX, XXXX and XXXX. I have two late payments. Since then and prior to that, I've been an exceptional customer paying 9 different loans on time. Ive enjoyed being a customer with Affirm and would like to continue doing so. I hope that you will consider my request.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pulled my credit reports and noticed that the spelling of my name was incorrect. I've sent letters to have this information removed and updated to all 3 credit companies and only one responded and deleted some but not all incorrect info.
Consumer complaint received 2018-07-10
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: EQUIFAX, INC. (NY)

Loan Number XXXX XXXX XXXX XXXX from XXXX Private Loan Trust I called XXXX several times to fix what is reported on my XXXX  and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with XXXX however, this is not reflected on my credit report.
Consumer complaint received 2021-06-16
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. (IL)

THIS IS THE THIRD TIME I HAVE REQUESTED THE REMOVAL OF ALL INQURIES THAT DO NOT HAVE MY SIGNATURE AS STATE IN THE FCRA LAW??????????????
Consumer complaint received 2021-06-16
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: FIRST PORTFOLIO SERVICING INC (FL)

XX/XX/XXXXcredit starting out since XX/XX/XXXXin XXXX then XXXX XXXX XXXX was found Im correct 2 accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and XXXX has found my info correct and removes it but within 2 or 3 days its right back back in XX/XX/XXXXits debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX in XX/XX/XXXXXXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent three credit report disputes to XXXX, Transunion and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX   XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Last year maybe the beginning of the year I opened an account with Fifth Third. Never have any transactions on it I believe u payed the fee only once and never used the account again. It is now XX/XX/2021 and I called Fifth third to check and see if there was a fee to pay for reopening it because Im with me not using it at all and not paying the monthly fee again that the account isnt still active. I was told that there was some kind of fraudulent check that was attempted to be deposited into my account that I had no idea of and now this is become a problem because Im not allowed to get an account anywhere!! Please get back to me when you can