davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I had 4 student loans and have paid 2 off.

I have 2 more loans that I am struggling to pay. I placed them under bankruptcy 7 years ago but don't think they went through and have been paying on them.

I am struggling to pay them off and they increased my interest rate from 10.75 % to 11.50 %? Talk about crooked practices and unfair. It makes a person want to stop paying all together, what is the sense if they make it so unattainable.

There are thousands of complaints just like mine toward Navient yet NOTHING is done about these giants!

Government corruption at its finest!
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These accounts show as DEROGATORY status on my credit report. Both of these accounts have been settled last year in 2021. I agreed to an amount with BOTH companies to settle this debt and delete these accounts from my credit report. Both of these companies have not done their obligation. In fact they still have a derogatory status showing on my credit report. I do not want these accounts updated I would like both of these accounts deleted from my report. They have had their chance to fix the errors for over a year now and have failed to do so.
Consumer complaint received 2021-12-05
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$980.00} XXXX FIN XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear Experian XXXX XXXX XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,
Consumer complaint received 2022-05-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-05-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Received a notification from Truist today that my mortgage was increasing by {$710.00} ( which is a 24 % increase ) starting in less than 30 days. They state that this is due to the fact that the escrow account is overdrawn due to property taxes. We paid our first year of property taxes and our homeowner 's insurance as part of our closing cost. In addition, we have been paying {$1000.00} in escrow each month. There should be plenty of money to cover property taxes as we have lived in the property for only a year and have provided XXXX in escrow funds. When I called them to ask for clarification, they stated it was possible the property taxes were paid twice ( at closing and by Truist ). They noted it was my responsibility to figure out how to get the money refunded. When I asked them what I should do regarding the additional XXXX I would owe each month, they stated I could ask customer service to lower the payments but implied I would ultimately be responsible for covering the additional cost while the refund was sorted out. They made no attempts to reconcile the morgate payment increase difference while the account was being investigated. This mismangament of our escrow account is predatory.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

Original order for the XXXX XXXX XXXX XXXX XXXX was made XX/XX/XXXX, a shipping notification was sent to meXX/XX/XXXX but I did not receive any package.

I found out a week later that XXXX  delivered the item ( Tracking # XXXX  ) to an access point at XXXX XXXX  onXX/XX/XXXX.

On XX/XX/XXXX, I picked up the equipment at the XXXX XXXX XXXX. Equipment was not unable to be installed as the apartments wall jack for cable was concealed with paint and can not be fixed. Equipment was then returned to the XXXX  store unused on XX/XX/XXXX ( Tracking # XXXX ). I made another phone call to XXXX XXXX XXXX for cancellation confirmation ( Cfm # XXXX  ) and dispute past statements. Representative named XXXX confirmed that no payment was needed and it will take 7-10 days to process documentations/letter. I received XXXX XXXX XXXX survey in regards to cancellation request onXX/XX/XXXX but then a letter stating that a final bill was sent with the balance due of {$220.00}. Noticed a collection notification from a company called XXXX  on XX/XX/XXXX, I therefore called XXXX XXXX XXXX again XX/XX/XXXX to file another complaint, representative named XXXX  advised to wait for final bill as it was never send out and advised me to wait. I never receive a formal final bill but multiple collection notifications from a company called Diversified ( Dated XX/XX/XXXX andXX/XX/XXXX). I checked my credit report and noticed a " collection '' status. I filed a dispute online with Diversified XX/XX/XXXX but did not hear hearing anything nor confirmation email.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

CONTINUED FROM COMPLAINT XXXX JEFFERSON CAPITAL PURSUANT TO 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

I THE CONSUMER IAM AWARE THAT I AM ENTITLED TO MONTARY RELIEF UNDER CERTAIN CIRCUMSTANCES. HAVE SUSTAINED DAMAGES BECAUSE OF YOUR PRACTICES. I HAVE BEEN DENIED FOR CREDIT MANY TIMES DUE TO YOUR UNLAWFUL FURNISING OF COLLECTIONS TO CONSUMER REPORTING AGENCYS. I ALSO HAVE TO PAY HIGHER INTREST RATES WHEN I AM APPROVED. I HAVE NOT BE ABLE TO HAVE A GOOD RELATIONSHIP BECAUSE OF YOU. I AM DEMANDING YOU SHOW A GOOD FAITH AN MEET MY DEMANDS AND WE MAKE SOME TYPE OF AN AGREEMENT. 

YOU KNOW THAT YOU VIOLATED LAWS YOU REMOVED ACCOUNT FROM REPORT HOWEVER YOU DIDNT WANT TO PROVIDE MONTARY RELIEF. WELL DELETION IS ADMISSION OF WRONG DOING I RATHER SETTLE THIS MATTER WITH OUT LEGAL ACTION. IF SOME TYPE OF AGREEMENT IS NOT MADE LEGAL ACTION OR ARBITRATION WILL BE NEXT. 

AS I THE CONSUMER HASNT DONE ANY BUISNESS WITH THIS COMPANY THEY HAVE NOT PROVIDED NOR HAVE I SIGNED ANY ARBITRATION AGREEMENT WITH. IN THAT CASE I THE CONSUMER MAY USE ANY METHOD OF CHOICE. 

YOU CAN NOT DECLINE MY REQUEST FOR MONTARY RELIEF IF YOU BROKE THE LAW, I HAVE PROOF OF YOU VIOLATION. I HAVE PROOF OF YOUR UNFAIR AN DECEPTIVE PRACTICES. 

AS STATED ABOVE GOING THE LEGAL WAY WILL COST THIS COMPANY WAY MORE TIME AN MONEY HOWEVER, I AM WILLING TO FIGHT FOR MY CONSUMER RIGHTS I KNOW MY RIGHTS I INTEND TO ENFORCE THEM AT ALL TIMES. 

A GOOD FAITH EFFORT WOULD BE GREATLY APPRICATED A GOOD FAITH EFFORT SHALL RESOLVE THIS SITUATION I THE CONSUMER AGREE TO SIGN TO ANY NON-DISCLOSURE AN NOT SHARE INFORMATION ABOUT RECIEVING ANY MONTARY RELIEF WITH RESPECT TO THE COMPANIES CURRENT CLIENTS. 

THE ABOVE ONLY APPLIES ONCE A MONTARY RELIEF PAYMENT HAS BEEN MADE OR ARRANGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

bank of america has denied my claim for 5 months i have filled a police report everything they have asked. further more they broke it down into three different claims and approved the other two in less amounts but still consider the large amount denied
Consumer complaint received 2022-04-12
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. (IL)

Hi I am submitting this XXXX 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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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. 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 60days 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 21 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-05-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX # XXXX # XXXX 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 a account without my written instructions
Consumer complaint received 2018-10-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc. (MS)

i have responded to GM Finanicial about this negative item on my credit report and they have not validated the item with my signature and has violated the FCRA by not validated within the 30 day time period since XX/XX/2018 an i have documents to prove it
Consumer complaint received 2018-11-24
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: JPMORGAN CHASE & CO. (MD)

My credit card ( Chase Visa ) was stolen on XX/XX/2018 out of a locker at my gym. I received an email notification from the company at XXXX XXXX on that date ( XX/XX/18 ) regarding questionable charges, and I immediately called the company to confirm these were fraudulent charges and to cancel the card. I was told by the the company representative that the card would be cancelled, and not to worry about this. I subsequently received correspondence from the company on XX/XX/XXXX and XXXX, that the charges had been removed from my account. 

I did not make these charges, which total {$6000.00}, these were fraudulent. 

I then received a letter from the company on XX/XX/XXXX informing me that I was responsible for the charges. I subsequently filed a police report in the jurisdiction where this theft occurred. I forwarded a copy of the report along with a letter to the credit card company on XX/XX/XXXX, disputing these charges. I have now received a follow up letter from the company simply stating that they have decided that the charges remain my responsibility. They have not provided any evidence for this determination.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (TX)

Hunter Warfield is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Hunter Warfield has failed  toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. Hunter Warfield has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my XXXX   credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of attachment titled " XXXX '' ) I am requesting that the account is deleted immediately
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

The company is Comenity Bank. I have a credit card with them through XXXX originally. The card was changed from a department store/furniture card to a regular credit card about XXXX years ago. The issue that I continue to have is being able to simply log onto their website and make my monthly payment. My password and login are always rejected by their system almost every month and I have to end up getting a new password. I have done this several time and each time the password ends up needing to be reset. Most of the time I end of moving on to another task and forgetting to make the payment which makes the payment late. The last time this happened ( which was around XXXX or XXXX months ago ) I called to see if they would refund me my late fee and they refused stating that they have other payment options. When you have other things to do and you sit down to pay bills which I do every month, I do so all at XXXX time. Like most of us we are at computers most of the day so paying online is most convenient. So having to remember to call this XXXX credit card company ( I do not do this with any other bills ) is the reason why I keep paying late. They even acknowledged that their company has consistent issues with people being able to log into their account online but offered me no solution for THEIR issue with THEIR website. This has been a problem the entire time that I have had this credit card. I would just like the problem resolved and my late fees refunded.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$980.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$660.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2021-05-02
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: National Credit Adjusters, LLC (NC)

I have received a copy of my credit report and it shows company NATIONAL CREDIT ADJUST account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.