davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

Accounts over 10 years old XXXX XXXX XXXX refuses to removed violated FDCPA, FCRA AND REFUSES TO DO AN INVESTIGATION BESIDES PARROTING INFO ALREADY RECEIVED. THEY REFUSE TO REOPEN AN INVESTIGATION BASED ON THE DOCS AND NEW INFO I HAVE TO SUBSTANTUATE MY CASE. STATUTE OF LIMITATIONS TEXAS 4 YEARS 392 OF FINANCE CODE VIOLATIONS THERE'S NO LEGAL JURISDICTION OR RECOURSE FCRA 623 a 1c FCRA 623a 3-5 FCRA 623 a 6 b FCRA 615 f 1 FCRA 605 f1 Medical bills not properly codes No thorough investigations FCRA 623 a 5 A Continuing to report info I've INFO ncluded in my idenity theft report knoweth knowingly refuses to supress INFO APPENDIX A DATA FURNISHERS RULE 660 VIOLATIONS XXXX XXXX XXXX GUILTY OF IDENITY THEFT
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (MD)

I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist.

The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from XX/XX/1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to 100,000. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX and XXXX  XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.
Consumer complaint received 2018-12-16
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: EQUIFAX, INC. (FL)

I have been the victim of identity theft the following accounts were opened by someone else : 1 ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX
Consumer complaint received 2022-03-05
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. (CA)

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # XXXX.
Consumer complaint received 2020-06-05
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: Experian Information Solutions Inc. (NY)

I have disputed a public records account that Experian is reporting on my credit report. In XX/XX/2020 I had written a letter to ask Experian to provide me with the method of validation on the information they are using to make such a claim. I received a letter back from Experian on XX/XX/2020, dated XX/XX/2020 stating the dispute results. in the letter i had received, they did not provide me with information, no proof, no source of validity and therefore the negative information remains on my credit profile.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MO)

On Sunday XX/XX/2018 at XXXX XXXX. I was purchasing a XXXX gift for my wife from my on our XXXX CHASE Visa ( XXXX ) but they declined my transaction from XXXX XXXX online for {$450.00}. I had the card in my possession. They text my wife fraud alerts to her cell phone. That was unfortunate but I get it. I called into their fraud depart. After getting a fraud rep on the line, I completed authentication via IVR and Rep. My wife is the primary and I'm an authorized user on the account. After the rep put me on hold for 10 minutes, the person said they can't help me because I didn't call in from my wife cell phone. I escalated to a manager XXXX in XXXX, IL. After authorizing me again, advised that only the primary can make changes. I was just trying to find out why the put my account on hold. I have more than enough in my credit line and authorized on the account. I then asked to obtain their CRM transaction number and she would not provide this. I asked how to file an official complaint online or on the phone but she advised that only way to do this is by sending a letter to XXXX XXXX XXXX XXXX, OH XXXX. When asked who reference numbers I can use she said none. She then put me on a 25 minute hold to come back to say she can't help me. Both the team member and the supervisor where unprofessional and could not explain the policy to me to correct the situation. They said they could only talk to the Primary. So I went ahead and woke up my wife and instead of authenticating her, they said they will not and she will have the fraud department call us back. Why, well they never said on advised of any internal policy. I totally understand fraud issues and want to work these out with the company but this was way out of bounds and they could not advise me on how to clarify the situation. So, special thanks to XXXX Chage Visa for wrecking my wifes XXXX   gift. I asked that someone from your organization could help out to correct the situation so no consumer runs into this problem again.
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

So from the beginning which is 2 years ago i tried to get a good plan with them but everything they offer just was plan for failure. So i start to pay what they wanted which was XXXX a month. Im located in XXXX tx so XXXX hit inn XX/XX/XXXX, i went to make a on XX/XX/XXXX payment like i always do every month and it said that navient was not taking payments my account was on hold. Month later i call to make a payment, samething my account was hold and of course navient never told me they would do this, so without my consent they put my account on hold XX/XX/XXXX came around and now they said im behind and that is XXXX now not XXXX and of course interest been piling up. So of course im beyond frustrated, but of course i continued to pay my debt. So XX/XX/XXXX i call to make payment for XXXX while im in the hospital and automatic machine is saying im behind payment, which i know i payed on XX/XX/XXXX, so now we are at XX/XX/XXXX and im not sure if i should continue with payments because im always seem to be behind but my bank statements said otherwise.
Consumer complaint received 2022-03-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.
Consumer complaint received 2018-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Banking. They are looking for people who are not at my phone number. XX/XX/18 spoke with manager after months of daily phone calls with messages left on my answering machine and was assured they would stop, They continue to call at all hours and on weekends. XX/XX/18 another call looking for the same people. Spoke again with a manager who gave me the address for Navy Federal legal department who I will be writing to let them know I will be seeking legal action if the calls do not stop.
Consumer complaint received 2018-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services Association (OK)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CBSA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2022-06-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now. 
nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to XXXX XXXX XXXX section XXXX consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies XXXX this information that results from alleged identity theft. Also, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX states a consumer reporting agency can not furnish an account without my written instructions. The listed accounts here never should have received written instructions from me nor did they with my consent. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file from my personal XXXX XXXX immediately.
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

Navient keeps increasing my interest rates and monthly payments without any forewarning or posted reason. The loans ' interest rates jump to over 15 % interest at times. This is ludicrous and I will never be able to pay off my loan at this interest rate.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (WI)

Union Home Mortgage ( UHM ) is not paying my property taxes with the money in my escrow account. 

My property taxes were due XXXX, and UHM has failed to pay my property tax bill ; I have never missed a mortgage payment, so this is absolutely ridiculous. 

As of XXXX, I owe : - {$2100.00} in property taxes for the year XXXX  - {$43.00} in accrued interest for these property taxes - {$21.00} in accrued penalties for these property taxes I called UHM and sent an email to XXXX with a bill & an account summary on XXXX to show them : 1. the property taxes that they should pay with the money in my escrow account 2. the interest and penalties they need to pay for failing to service my account properly It has been over a week since I called & emailed them and I have not receive any response back regarding the status of my ticket.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have been making payments to XXXX XXXX XXXX. I am qualified for loan forgiveness through the public service program. However, my sevicer continues to charge me over {$600.00} per month in payments. They are telling me this is the only payment I can make to qualify for the forgiveness. At this rate U wont receive any forgiveness I will pay double what my original value was. Furthermore, I have used any extra money I can to pay towards my principal balance.! i have repeatedly asked that they apply all my extra payments that way. Despite this I have discovered they are still applying it as paid ahead and taking interest payments out! After more than a year. I have been paying this amount for 3 years and have paid extra. Thats over {$21000.00}. Yet my balance has Gone down less than {$13000.00}. This is really unacceptable.
Consumer complaint received 2018-12-16
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. (SC)

i noticed that XXXX XXXX  is claiming that i owe {$360.00} on my credit report. There is no way my account could have been negative because i did not have overdraft. Also i was never contacted about this with the chance to dispute.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NJ)

I had leased a Hyundai XX/XX/XXXX for three years. Paid all payments on time and took very good care of car. Lease ended XX/XX/XXXX. Returned and they asked me to take another car. I said I could not at this time because of health problems. I had XXXX for XXXX XXXX and have many medical bills. They checked my car found no problems, they gave me a paper for surrender dated XX/XX/XXXX. Just today I received a bill for XXXX. dollars for a disposition fee.They said it was in the contract which I had signed. They wanted the payment in 15 days. I explained my financial situation with medical bills and I could not pay. The girl I spoke with said this was in the contract I signed and wanted to know if my doctor said I could not drive. I said I could but I have many medical bills and could not take another car. Now I am upset and do not know how I can pay now.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2022-03-05
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: Experian Information Solutions Inc. (MI)

This is not sent in error i am a consumer by law and my information was misused and now i have an account that is reporting making my report not 100 % accurate.
Consumer complaint received 2020-06-05
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. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (TX)

I can not setup automated payments for my XXXX issued by BMO harris. This is some serious Information technology error where very poor quality and cheap XXXX XXXX workers might be hired for IT operations. Reported this matter to BMO harris via secured mail. Wait time on phone is so long.
Consumer complaint received 2022-03-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.