davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I filed bankruptcy. My Navient loans went into a forbearance that basically double my loans instead of being discharged. After the bankruptcy was discharged in XX/XX/XXXX, I have been trying to work with Navient to lower my payments. They have often put my loan into forbearance and I am no longer given the option for an income based repayment plan as they say I am no longer eligible. I tried to request lower payments but, because I have a cosigner, they would not work with me. I tried to have my cosigner taken off my loans but they said that it is not possible unless the cosigner dies and I have proof of it. The high cost of the loans is creating a financial crisis in my life and Navient is unwilling to work with me on lowering payments.
Consumer complaint received 2023-07-01
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: Fidelity National Information Services, Inc. (FNIS) (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IA)

After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through XXXX, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX as the dad is the number to a phone XXXX line. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX  XXXX thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to. Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of Sam laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given
Consumer complaint received 2019-07-24
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)

I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through Capital One, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points
Consumer complaint received 2019-07-24
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)

I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF EQUIFAX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2,  HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.
Consumer complaint received 2019-07-24
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. (IL)

I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.
Consumer complaint received 2023-01-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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.
Consumer complaint received 2022-11-22
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: WHEELS FINANCIAL GROUP, LLC. (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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
Please remove this XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
Consumer complaint received 2019-07-26
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your  failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP (CA)

I have an approved funding from XXXX XXXX which is to be funded by Key Bank - New York Branch. Over a period of several months, I have made several fee payments to a number of various individuals as called for by XXXX XXXX, Key bank Manager, a Mr. XXXX, Bank General Manager and XXXX XXXX ( XXXX XXXX Loan manager ). I was required to make several payments to various people, and which over the course added up to over {$25000.00}. For the last several fee payments ( at least 5 ) I was told by bank manager XXXX XXXX and Bank General Manager that each of these payment would be THE LAST FEE PAYMENT and would result in the funding of my account as approved by XXXX XXXX for {$95000.00}. There has never been a deposit to my account and there is always another fee to be paid. Some of the fees ( PPI insurance ) has been paid at least two times and this manager is calling for yet another payment. The payments and fees never end and has never been the last payment. Currently, there is another fee being called for for insurance before funding my account. History of this operation has shown that as long as I make a payment, there will always be one more last payment.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  On XX/XX/2019my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats 117 points negative. 
When I called XXXX  I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to XXXX  I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of XXXX  if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like XXXX  cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my credit report?
Consumer complaint received 2019-07-24
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)

I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS  EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SOUTHSTATE CORPORATION (SC)

South State Bank had a date breach in which hundreds of customers social security numbers were released including mine. Then, they offered identity theft monitoring thru and unknown poorly rated company. This is my social security number with my name and account number!!!! Now they're buying the cheapest monitoring. This is totally unacceptable. Only top rated companies such as XXXX, XXXX or XXXX XXXX should be used for SS number breaches. This will follow me for the rest of my life and XXXX year of coverage is not enough!!!
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

Hi, I sincerely ask regulators to start assessing multiple regular heavy fines against this TD Bank for fraud against customers. This bank is worst than XXXX XXXX after discovery of fraud activities and practices of this bank. 

What happened? I called in, ask to dispute a charge, the call attandent redirected the conversation to a never ending series of verification questions. Hangs up on me, then locks my account. On re-call in by me, account can not be assess. Effectively no help and do not call impression, nothing gets done, alot of redirections and entrapping you to non-service and locking delays. 

This is repetitive and causing harm to consumers needing help with their account usage. 
I ask your regulatory agency to assess regular and multiple heavy public fines so all consumers are made aware of no-protection for consumers and effectively a fraud bank and should be remove from doing business in the US and XXXX.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (IL)

So someone got a hold to my card while I was in ANOTHER STATE ( XX/XX/2019XX/XX/) and stole {$3500.00} from me using my Navy Federal Red Debit Card XXXX They are the ones who told me that someone had logged into my mobile banking from a FRAUDULENT KNOWN DEVICE. And they even gave me new account numbers and had my change my user name and password. After all of that, the bank REFUSES to give me my money back. I asked for a second review they still wont give the money back. I told them that if they needed me to I would go to the merchants that were listed, and ask for video footage. They still dont care they want me to appeal their decision.
Consumer complaint received 2019-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (FL)

I purchased the 2015 XXXX from XXXX XXXX in XXXX XXXX. I had a trade in a 2013  XXXX XXXX. Balance XXXX. The 2015 XXXX was listed for XXXX. I had. XXXX credit score and did a trade in they made my interest rate 11 % plus I am paying for gap insurance and their loan is charging me a daily rate on the loan that I was not told about. I am paying XXXX at the end for a XXXX car plus I had a trade in. How can this be. I have been paying since last XX/XX/XXXX {$420.00} a month the balance showed XXXX in the beginning and right now it showing XXXX??? How can that be if I have been paying for over a year XXXX my balance should be way less owed. This is USUARY and a disgrace I did not sign for this type of loan. I had TD bank with my charger at 5 % interest now I have this car with a. Daily rate and 11 % interest. I want this redone correctly. I am not being used like this please help me get to the bottom of this dealership scam and finance company. I should owe less on my car and I want it fixed. The dealership is using tactic making you wait for hours signing he document then the bank write you and say something different. I want a regular 62 month loan no daily rate XXXX. I want all my payments credited towards my balance.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I have never received any written or phone communication from this company. I saw two new negative entries on my credit report and I inquired about them. They could not verify dates of service although they reported it on my credit asXX/XX/2018. I confirmed with the original debtor that the dates of services are four years old.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TX)

On XX/XX/XXXX I received a letter from XXXX XXXX that a payment was due and if not paid by XX/XX/XXXX the account of {$110.00} would be sent to a collection agency. 

On XX/XX/XXXX I mailed a check for {$110.00} to the creditor. 

On XX/XX/XXXX the check was cashed by the creditor. ( per my bank account ) On XX/XX/XXXX I received a letter from a collection agency stating I owed a debt of {$110.00}. 


They are trying to collect a debt that is not owed and has been paid for 24 days.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (OH)

I reviewed over the copy of the background check that my employer pulled. They used the vendor Sterling Talent Solutions and they stated my aliases were XXXX XXXX and XXXX XXXX. I do not know these people and i have NEVER used those names. My name is XXXX XXXX XXXX XXXX. I just want to make sure this XXXX XXXX is not using my information nor identity. Please help. Thank you.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Solidifi US, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Referance # XXXX ORDER # XXXX SOLIDIFI XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I am refinancing my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX XXXX sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX , MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for XXXX XXXX big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX