davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Account # XXXX ( Since 2009 ) So I owe Navient private student loans. For the past 8 years I have paid Navient some type of payment. Even when I was going to school. I know they recently combine my loans into one billing and they are now charging me only 1 % but it is still too much. It is at XXXX but I'm laid off and once again I called today to ask how much have I contributed to my loans? My student loans were around 8k, and that 8 years ago and I still owe XXXX. So need to know if Navient has added unnecessarily interest. It seems like I've been in a never ending cycle of debt with Navient. I need {$0.00} payments. I need this because for the past 8 years I have paid over and over again some type of payment. I need forgiveness for this loan. I'm going through a lay off and the same hardship for the past year now. I need forgiveness and I need this loan forgiven once and for all.
Consumer complaint received 2023-01-12
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. (AL)

This account is closed TransUnion credit report XXXX allowed XXXX XXXX  to reopening this account with proving identification an full disclosure this not my account an I'm not paying for this debt I requested they sale it back to were they got it from an I need full verification letter an full disclosure don't even have what type loans is it buying my personal information an saling my data an personal information to uptain debt
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

I am writing to request the forgiveness of my student loans, totaling {$57000.00}, which I acquired while attending the now-closed XXXX XXXX XXXX My request is based on the grounds of school closure, the ineligibility of my transferred credits, and the disruption this has caused in my education and financial stability. 

I enrolled at the XXXX XXXX with the sincere belief that it would provide me with a quality education and open doors to a promising career. However, due to financial difficulties and the school 's subsequent closure, I found myself in a situation where I had to transfer to another institution. Unfortunately, my credits did not transfer, and was required to repeat another year of study to complete my degree.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-16
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. (AR)

Good Morning. The following information is not mine. Can you please provide me with Signature proof or remove it from my Credit Report? Thank you. 

XX/XX/XXXX - XXXX - EQUIFAX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXX EQUIFAX
Consumer complaint received 2022-10-12
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. (NJ)

XXXX XXXX XXXX has giving me unreasonable opt out means and is furnishing my nonpublic information to non affiliates. I am exercising my right to OPT-OUT of XXXX XXXX sharing my information and directing them to cease the furnishing of my information to the all consumer reporting agency, pursuant to Title 12 Chapter X section 1016.7 ( h ) of regulation P. Per section 1016.7 ( g ) or regulation P, capital one must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 5 business days is reasonable and practicable.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (KY)

I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

My personal losses were XXXX XXXX stolen from my XXXX IRA.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 2 accounts on my report I have consistently tried to fix on several different occasions. There is one with XXXX and also one with XXXX XXXX credit card. I have gone in to both locations, showed my ID, I have spoken to managers, I have disputed online, and NOTHING has been fixed or done. Both of these accounts are large amounts, and I don't know where they came from. The XXXX XXXX account the person was actually paying on! Then all of a sudden they went AWOL and stopped. The XXXX account hasn't been paid at all from the time they opened the account. I have been fighting these for years. At this point I don't know what to do anymore. I just want my account fixed. XXXX XXXX also tried on 2 different occasions to submit their wrong doing, but it has yet to be fixed as well by creditors. I had a deferred payment XX/XX/2019 where I submitted all my paperwork on time, and their finance dept didn't submit it on their end. It's in the notes with XXXX they submitted on their behalf to fix the problem, but the creditors keep denying it.
Consumer complaint received 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp. (IN)

I was a co signer for a auto loan and the vehicle was bought back by the dealership due to malfunction the bank loan was bought from bank but they do not want acknowledge it and they are reporting on my credit report charges off bad debt I have disputed this several times and they won't correct it I have spoke to them by phone and they won't correct it.
Consumer complaint received 2019-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I was with XXXX XXXX. I work at a XXXX XXXX  and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report. 

I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.
Consumer complaint received 2022-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I opened a line of credit with Citizens Bank to purchase an XXXX at XXXX per the XXXX website. The total account purchase was XXXX. On XX/XX/2022, called in and paid the account balance to 0 and requested for the account to be closed because I no longer needed the line of credit. The customer service representative stated that he would put in the request to close the account. After the payment was posted on XX/XX/2022, I logged into the account and observed that my available balance was still listed as {$2500.00}. I called customer service again and spoke with a female representative who told me that my account would close when the balance reached zero. She specifically stated that it was automatic. She then confirmed that my request to close the account was still visible. On XX/XX/2022, I logged into my account and saw that the available credit was still {$2500.00}. I called and spoke with a customer service representative and my account balance had to be zero for 30 days before it could be closed. I questioned why I was not told this during my previous conversations and she had no answer.
Consumer complaint received 2022-03-26
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. (NC)

I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2022, I tried to make an online purchase of {$2.00} on XXXX XXXX and received a message stating that my zip code was inaccurate. I had already changed my address in person at the Bank of America on XXXX and XXXX in XXXX, OK over 3 weeks ago, so I should not be getting this message. I actually went into the bank twice. However, when I actually went into the XXXX restaurant to make the purchase, there was no problem processing a transaction of approx {$5.00}. Then on today XX/XX/2022, I saw the {$2.00} charge pending. By this time, I had already paid for it. So now, because of BOA tampering with my account, I have been charged {$2.00} twice. 
And I did not receive my XXXX rewards for this purchase because BOA did this behind the scenes. = I feel harassed and discriminated against by Bank of America.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One decided that I did not qualify for PART of the 2nd PPP disbursement I received. While they are saying I didnt qualify for the funds, they did release over {$1600.00} to me out of the funds. I do not understand how my business could qualify for some but not all. I have been attempting to resolve this issue since XX/XX/XXXX. Capital One advised me in XX/XX/XXXX that the funds were finally being sent back to where they came from. However, as of this day, no lenders or other companys/organizations/agencies involved in my PPP loan approval and funding have received these funds. Capital one has refused to give me documentation as to where the funds went, and it only shows as a deduction from my account stating capital one 360. As of today, I am still responsible for funds that I never received, because capital one has continued to handle this situation with horrible processes & customer service. Whenever I contact the company to discuss this issue, I am sent to a voicemail and never called back. This issue has been going on since XX/XX/XXXX & needs to be resolved immediately!
Consumer complaint received 2022-03-26
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. (NC)

I did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX
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 — Reporting company used your report improperly
Company: United Collection Bureau, Inc. (MI)

Hello I am writing this complaint against a collection company by the name of United Collection Bureau located at XXXX XXXX XXXX, XXXX, OH, XXXX, and for violating my HIPPA Rights. I recently sent the company a debt validation letter and in return they sent me a list of my private medical records on XX/XX/XXXX, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I received treatment from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, MI, XXXX, on XX/XX/XXXX. I completed payments in full for my treatment on XX/XX/XXXX and was paid directly to XXXX XXXX XXXX in the amount of {$1100.00}. I also did not authorize XXXX XXXX XXXX to release my personal medical records to a third party company. I am extremely upset that my privacy has been violated and would like for this information to be deleted from my credit file on all Credit Bureaus.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a capital one credit card holder for 2 years or more. As a result of my xredit card relationship, capital one solicited me to open a checking account also with capital one. I indeed opened a checking acckunt with calital one ( which is able to be seen on the same app as my credit card ) and when it was time to pay my credit card bill i did so timeously from my capital one checking acckunt to capital one credit card. Despite having the payment leave my capital one checking account on XX/XX/XXXXand post on the XXXX  XXXX credit card acckunt on the same day XX/XX/XXXX, the credit card division has arbjtrarily and capriciously placed an 8 day hold on the payment, preventing the balance on my cc acckunt from lessening and moreover preventing me from having acxess to the funds which have been apllied to my cc account without hoaever changing the availe balance. 

CalitL one credit card essentially wants to hold my funds which have cleared in their acckunt for 8 days after getting the cleared funds.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (MD)

I have been contacted repeatedly a woman named XXXX or XXXX XXXX who leave the following message. 
XXXX '' I am contacting you regarding an urgent federal matter out of XXXX XXXX [ XXXX ] County. Our firm sent you notification in regards to filiing case XXXX. At this time a decision will be rendered on your behalf with or without your consent. " I have looked up the numbers, which are related to a company located at the following address. It goes by different names, depending upon who calls, but I believe it is the same outfit. 
XXXX XXXX XXXX XXXX, XXXX, IL XXXX : XXXX : XXXX : XXXX XXXX, PresidentThe statute of limitations has long expired on any debt I may have had in the past, and these people ignore requests to leave me alone.
Consumer complaint received 2021-12-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriHome Mortgage Company, LLC (TX)

My loan with Amerihome Mortgage came off forbearance in XX/XX/XXXX. An escrow anaylysis was done in XX/XX/XXXX that will increase my payments by {$220.00} starting in XX/XX/XXXX. I have contacted this servicer numerous times by phone call and email correspondence to spread the outstanding escrow shortage by 60 months as provided in the XXXX XXXX for XXXX XXXX loans. 

I have been unable to get this process done because the lender keeps moving the goal post. At tfirst the XXXX i spoke with said i could just request this over the phone, which i did. but that wasn't enough. Then i got an email that said i needed to send in a " wet signature '' request, which i did. But then again, that wasn't enough because they claim they couldn't open the document i sent it in. I'm not sure what else to do at this time. It seems like this servicer is making XXXX  excuses and running circles around me to get me frustrated and give-in.
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (TX)

This company contacted my parents cell phone. Their number wasnt listed on any of my accounts, I dont know what kind of methods they use to find numbers they not supposed to call. I already work with debt management company to resolve my debt situation, but these guys trying to collect the maximum interest amount.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Service of Nevada (NV)

Hello i believe the Collection service of Nevada has committed a FCRA violation. I reached out to the Collection service of Nevada to see if the debt was accurate or excusable in XXXX and on or around XX/XX/XXXX. I asked rep about options and what my due date really was she responded back with any amount is acceptable and your bills due the XXXX of every month. I mentioned I had already paid on the XXXX of XXXX or the XXXX of XXXX. She responded with thats great and if you want to settle you have to hang up and call me back with an amount.? I also explained to her that the XXXX apartments had a verbal agreement with me to hold off on sending to collections because of financial struggle and they violated and sent it to collections anyways. Two days later the Collections Service of Nevada reported me to the credit burros with inaccurate amounts and also reported that I was late or had a missed payment which was a false claim and a violation! I disputed it and the dispute came back with a correction possibly on amount but the late payment was still reported as accurate. I have all of my payment receipts and all are processed before the XXXX! my credit dropt significantly due to late or past payment on a collection! During a time that I needed to apply for a new product but couldnt because my credit was impacted by the violation of Collection Services of Nevada! Please help
Consumer complaint received 2017-06-07
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. (MS)

On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MD)

I received a letter of denial for a credit card from XXXX dated XX/XX/22 the reason stated is that I'm being reported as deceased by XXXX XXXX XXXX XXXX I have tried to contact them on XX/XX/22 and they do not have an XXXX number that allows you to speak with a person. I submitted a request for my credit report on XX/XX/22, but they mail a letter to you with how to access it online. I also sent an email request on XX/XX/22 via their webpage asking them to contact me to resolve since them reporting me as dead is a pretty big issue. They responded on XX/XX/22 with a form saying i need to request a credit report. This is completely unacceptable for them to make such a major error and have nothing in place to remedy it. I looked online at the other credit bureaus and no one else has me listed as deceased.