davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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. (TX)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2019-09-05
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: TD BANK US HOLDING COMPANY (TX)

OnXX/XX/2017myinformationwaspersonalinformationwascompromisedduetotheXXXXBreachonXX/XX/2017.Sincethenmanyinquirieshasbeenplacedonmycreditreportthatdonotbelongtome.IntheattachmentIvesentyouarealltheinquiriesthatareonmycreditreport.Ihavecircledtheinquiriesthatdonotbelongtome.IvetriedreachingouttotothesecompaniesbutIhavegottennoresponseregardingthismatter.Pleaseremovetheseitemfrommyreport.
Consumer complaint received 2019-09-05
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: Consolidated Information Services Solutions, LLC (TX)

On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.
Consumer complaint received 2018-11-22
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. (PA)

At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/2018 due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. 
I received an approval letter on the XX/XX/XXXX for the forbearance. 

Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. 

Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. 

I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected.
Consumer complaint received 2018-11-22
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: Experian Information Solutions Inc. (VA)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2023-07-30
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. (GA)

in accordance with the Fair credit Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX # XXXX all these accounts have 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 also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!
Consumer complaint received 2019-09-05
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. (NC)

I have disputed XXXX XXXX XXXX account with Experian for the past 6 months. Information on my closed account is inaccurate and they refuse to correct it upon my written request. I have sent in documentation from the creditor showing this account as paid in full after being charged off. This account was charged off in XX/XX/XXXX and this account was paid off completely on XX/XX/XXXX. I have requested that they please reflect this on my credit report. Instead Experian has decided to reflect this account as being charged off on XXXX and XXXX of this year XXXX. I have explained this information is incorrect and needs to be corrected. They have responded twice with placing incorrect information on my report. I have proof of payment reflecting the correct payoff date of XX/XX/XXXX. There should not be any negative data for this year as this account was cleared in XXXX. I am simply asking Experian to delete any negative information being placed on this closed account passed XX/XX/XXXX. Someone at Experian is purposely making it look like I still have ongoing negative credit with this closed account. It's been closed and paid off as of XX/XX/XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

i recived a bill from collection consultant California for the amount of XXXX $ which does not belong to me i have tryed multiple times to remove this from my credit report because its affecting me and i havent been able to.. 
i also filed a police report for identity theft i hope this will help resolve my problem.
Consumer complaint received 2023-07-25
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-11
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: National Credit Systems,Inc. (TX)

I just recently submitted a dispute to XXXX Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. National Credit Systems ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXX of XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to National Credit Systems, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. National Credit Systems and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.
Consumer complaint received 2018-11-22
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 — Investigation took more than 30 days
Company: First Associates Loan Servicing LLC (VA)

I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around XX/XX/XXXX. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.
Consumer complaint received 2019-09-05
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: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.
Consumer complaint received 2018-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I almost realized that I am paying almost two cars with this line of credit. This was not what I agreed upon at time of signature. Almost 50 % or more of everything I have been paying are to satisfy interest, not the principal, besides this company charges an absurd and abusive fees with increase their gain to the sky! So dishonest and unfair! I feel desperate and frustrated as I already tried many different times to get my money applied for the contract that I signed for, not this abusive mal practice. I am filling this complaint in a hope to find a resort for my complaint with this agency. 

Kindly Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I have filed repeated requests for my annual student loan income based repayment plan and submitted the required documents to my servicer, Nelnet.

Nelnet keeps " losing '' my documents and refuses to process my request. They give no explanation why and will not escalate my case.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The matter involves funds availability and the fact that Capitol One froze my funds though the external transfer was completed. This prevented me from establishing the promotional CD within the time frame necessary. I should have been able to accomplish had they not froze my deposit and it seems that the CD portal for establishing the CD did not recognize the funds being on deposit. 

In addition I want to file a complaint that the website and online banking platform of Capitol One does not provide the ability to file a complaint unlike every other bank I have worked with. They make it impossible. Please go to their online banking platform as well as their website- there is not portal to log a complaint. Moreover they do appear to have a support e-mail address but it is not monitored. See attached. 

I have submitted a notice of complaint to Capitol One using the information on their banking platform - contact us. But was subsequently told that was inaccurate by a supervisor and it needed to be addressed to the office of the XXXX. This direction is not provided on their banking platform or website.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU (CA)

These various companies have attached these debts to my credit profile. They are as follows : 1. XXXX XXXX XXXX  {$310.00}, XX/XX/2019 2. XXXX XXXX XXXX {$2100.00}, XX/XX/2019 3. Creditors Bureau USA {$500.00}, XX/XX/2019 4. XXXX   XXXX  {$1000.00}, XX/XX/2019 5. XXXX XXXX {$510.00}, XX/XX/2019 6. XXXX XXXX XXXX {$360.00}, XX/XX/2019
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CO)

Received a notice dated XX/XX/XXXX stating my monthly payment was being increased due to a shortage.

According to the projected escrow balance and the allowable escrow balance (see attached), the shortage would be $XXXX a month. 

It shows a shortage in the actual current escrow account equaling $XXXX a month. 

Instead of adjusting the payment by $XXXX  or $XXXX, the payment was increased by $XXXX a month. When I guestioned Planet Home lending about the significant increase, their response was it is for “future possible” increases. 

That makes no sense. I know new property tax rates came out in XX/XX/XXXX in Colorado, so that could possibly affect the payment slightly, but $XXXX/month seem a bit high and I do not believe you can increase a payment "in case" there is a possible shortage in the future. 

XXXX XXXX
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Hi my name isXXXX XXXX. A long story short ... .I have federal and private loans through Navient. They are indicting that I owe almost {$80000.00} in loans!!! They are saying I have 4 loans through them. However, my parents have paid, in full, two of my federal loans and they have confirmation of such. I should only have two more loans through them which both my parents and I are paying. I have had a VERY difficult time trying to set up a payment plan with them so I can actually pay them back and not ruin my credit!!!! Its becaise of them that Ill never get a mortgage in my name : ( ( they have ruined my credit because they are not willing to work with me!! And when my mother just recently called to see what is was that we owe and how much, they wouldnt give her an answer!!! Whats up with that????

Working with them, well trying to work with them, for the last 11 years has been XXXX. They are unruly. I do not make that Much money and they want like $ XXXX/month from me!!! I cant do that.

Anyways trying, begging, for help and direction on how to see if they have XXXX  me over. There is NO way I owe {$80000.00}!!!!

Please help me ...

XXXX XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (TN)

I am a victim of identity theft. I recently received an updated copy of my credit report and found the following collection account that does not belong to me. The collection account is EOS CCA and the original creditor is XXXX. I previously submitted identity theft documentation to XXXX including a copy of the police report and the FTC identity theft report. XXXX responded apologizing for opening the account and told me they would cease the collection efforts. Copies of the police report and FTC identity theft report have been forward to all three credit bureaus and the CFPB has a copies for their records as well.
Consumer complaint received 2019-09-05
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. (FL)

I have been trying to get in contact with Experian since XX/XX/XXXX as they are reporting that I have had no credit history for the last 3 years. The latest report that they show for me is from XX/XX/XXXX. Experian also shows my credit score at XXXX  and XXXX in the XXXX - when those two companies show me with a credit score of over XXXX when logging into their sites. I have been trying to fix this with Experian but am not getting any reply. Their website claims every day since the XXXX of XXXX that they are experiencing technical difficulties and disputes can not be filed. I have also tried 7 different listed phone numbers and can not get through to a person or receive help from the automated messaging. I have also reached out to them via XXXX in hopes to get this resolved.
Consumer complaint received 2018-11-21
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. (AR)

XXXX IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX. AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXX, XXXX, T Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX54 XXXX XXXX 737917 DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX