davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MA)

I have had the same phone number for over 10 years ( earliest I remember is XXXX ). Over the last 3 years, I have been notifying Navient whenever I pick up that I am not the person they are trying to reach regarding a debt and to stop calling me. 

My last conversation ( XX/XX/XXXX @ XXXX XXXX ET ) was with XXXX XXXX in their Recovery Department ( XXXX ). I once again informed them that I am not the person they are looking for and to stop calling me. XXXX made a note on the account with my request however there were more people before XXXX who informed me that they made a similar note. I still receive calls. 

XXXX provided me with Navient mailing address for written correspondence regarding this issue to which I plan to send a cease and desist letter. I am writing to CFPB to address the situation with Navient as I have given more than two opportunities to address this issue. I will send a cease and desist letter through legal representation based on a resolution with CFPB.
Consumer complaint received 2021-11-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

I was made false promises by the XXXX  XXXX XXXX, was never able to advance my career with degree I received, and the university was found guilty of defrauding students like me. 

The university made all the arrangements for my loans to pay for school, and after I graduated I ended having to defer my loans for several years because I could not make the payments. 

My federal loans were arranged through Navient, and Navient sent me advertisements to consolidate my loans under the pretense that it would save me money and reduce my payments. 

Shortly after I agreed to the consolidation, I found out that the over $ XXXX in loans from XXXX  XXXX XXXX were eligible for forgiveness because the school had been found guilty of fraud. 

When I applied for the debt to be discharged, I was told that I was not eligible because the solicited consolidation from Navient had changed the status of my loan from federal to private. 

I do not believe that this was a coincidence. I feel it was a predatory lending practice done to disqualify me from debt forgiveness. 

I was never directly informed that my loans would no longer be federal loans and that I would no longer be eligible for the protections associated with them.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX  XXXX, XXXX XXXX XXXX  I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-07-31
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)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$390.00}
Consumer complaint received 2021-11-11
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. (MA)

My complete and correct spelling of my name is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX DateOpened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened:06/01/2017 Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX BalanceOwed : {$1800.00}
Consumer complaint received 2022-03-30
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 recently realized that my XXXX XXXX XXXX XXXX loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of XXXX XXXX  is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Consumer complaint received 2020-07-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$140.00} XXXX XXXX {$2100.00} XXXX  XXXX {$190.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00}
Consumer complaint received 2020-07-31
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX   XXXX {$290.00} XXXX  XXXX {$500.00} XXXX   XXXX {$140.00} XXXX  XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX
Consumer complaint received 2020-07-31
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX   XXXX {$290.00} XXXX  XXXX {$500.00} XXXX   XXXX {$140.00} XXXX  XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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 recently realized that my XXXX XXXX XXXX XXXX  loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of XXXX XXXX  is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I recently noticed a collection on my credit report from XXXX XXXX. I have spoked to XXXX, the collection company and the legal firm handling the collection. The date of birth and the email address they have on this account does not match my personal information. 

I have been a client of XXXX for the past 6 years and do not have a XXXX account. This debt does not belong to me. 

We live in a duplex and based on the mortgage documents held by our landlord the side of the property that he lives in has the legal address of XXXX XXXX XXXX XXXX. 

The original balance on this account was {$530.00}, current balance is {$360.00} according to my XXXX  report. 

Please remove this account from my name.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This was an XXXX XXXXXXXX XXXX, I placed my the cards which were in a mini case in my jacket pocket after shopping in XXXX XXXX XX/XX/2017. I then went to XXXX where I XXXX I didn't realize that the cards were missing until months later ; approx 5 to 6 months later when I looked in my wallet and they were not there. After rambling, I remembered I put the card wallet in my jacket months earlier to make a purchase. I logged online and saw several charges from XXXX XXXX that were not mine. I contacted the creditor to advise that these charges were not mine and advised why I was stopping the auto pay. I'm not sure if the card fell out at XXXX or somewhere downtown when I was walking to my car. At the time that I viewed the accounts online the amount charged was approximately {$3900.00} with XXXX XXXX, this is what raised a red flag. I never charged that much and had the account set up on auto pay to pay the minimum charge each month. I was basically using tip money to pay for miscellaneous expenses therefore, I wasn't charging on this cards. After no contact from XXXX XXXX when I disputed the charges, the account was sent to Portfolio Recovery Associates LLC. I have spoken with them and advised that the debt was not mine. They sent packet information along with some print out receipts. I must file a report to go along with the information that they sent to me to dispute these charges.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed a recent copy of my credit report and noticed two unauthorized inquires. 
I have contacted the creditors noted below, to inform them that I did not authorize these inquires and they stated that they have no evidence that I initiated the inquires either. 

Inquires : 1. XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX  XX/XX/2020 I Then contacted Transunion on XX/XX/2020 to inform them that I did not authorize these inquires and to please remove them from my credit report. 

Transunion contacted me back saying the inquires will remain on my credit report for 2 years. These inquires are unauthorized and now so my credit file and score are negatively affected by this inaccurate information on my file.
Consumer complaint received 2021-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 Bank of America closed my checking account with the balance of {XXXX} and blocked the whole money at the midst of corona virus pandemic. I had no money in those difficult pandemic times and it caused my family get in the trouble. The bank also reported it as a fraud to XXXX XXXX and XXXX XXXX XXXX. After many contacts with the bank, finally they stated that the reason of this action was depositing money from XXXX  accounts to my account. The last amount that was deposited in my account was related to the money that my cousin, who lives in my home country, owed me. Since my home country 's banks do not have any relation with the United States, this money was deposited ( {XXXX} ) through an exchange currency office a few hours before my account was closed. I didnt know at all the exchange currency office deposited it from XXXX  accounts. 
After many contacts and follow-ups with the bank, I was received a check in the amount of {XXXX}. Despite of many contacts and sending a letter with detailed explanation along with documents to the bank, not only have not gotten the rest of my money back, but not even received any response from the bank.
Consumer complaint received 2021-02-13
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. (LA)

I AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY XXXX, XXXX  AND EQUIFAX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE XXXX  XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: P&B Capital Group, LLC (TX)

This is response to complaint XXXX. The collection agency stated that the dispute letter sent was to an old address which is XXXX years old. This is the address found on my credit report as well as online, so that is a fault within your company. Your company 's incompetency of not updating your mailing address has nothing to do with me. Furthermore, I am rejecting this response because I am only willing to discuss anything via CFPB, which is why I submitted this complaint. I will need everything in writing for court records. I am not interested in any correspondence outside of the portal, nor do you have a mailing address for me. Once again, I am requesting Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Please provide the requested documents via CFPB or remove this account from my credit report.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I have been affected by the current pandemic Covid-19 corona virus since XX/XX/2020. I called Chase in late XX/XX/2020 to request a forbearance because they did not have any plans in place to help customers until later in the month of XXXX. I was told i was granted for the term of 90 days, and my account was still in a good standing. It is now XX/XX/XXXX, which is still within my 90 period and they have terminated my forbearance and reported my account 60 days passed due. As i call to dispute this on a call with a representative named XXXX was very unhelpful and outright disrespectful and more interested in telling me how " They aren't obligated to reach out about the matter ''. I asked to speak with a supervisor and was told that my account was only 32 days passed due and not 60 as my credit report reports and the supervisor acknowledged and confirmed that my term should still be within the 90 days. The pandemic has and is still affecting my work as the lock down from XXXX for 3 months was extended an additional 3 months where i currently am.
Consumer complaint received 2020-07-31
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-08-29
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: Neon Newco Corporation (CA)

Have tried resolving issue with NetSpend regarding transactions that were not authorized by me. I went to check my account balance on XX/XX/20 and it was drastically less than what should have been in the account. Had my stimulus and tax refund in the account before I was XXXX for a XXXX and did not come home 7 weeks. Looking at the information that NetSpend provided ; appears that they allowed someone to change all the information on my account and failed to see the red flags. The address, phone number, passwords were all changed and a 2nd debt card was also ordered. According to the bank transactions, they all occurred in XXXX CA and during the time I will staying in the XXXX. My XXXX had to help me reset my information, but we could not get into my account because all the information was changed. There were multiple purchases made in the amount of {$1800.00}. I only made one purchase with the card at XXXX in XXXX CA and this was a transaction I made. I was not aware of the other activity on my account. Netspend denied my claim because they say my pin was used, but I had my card with me in the hospital the whole time. That is when I was told that there was an additional debt card on file. They would not tell me what address was being used, but did say that it was in XXXX CA. Netspend asked for my medical records, which is strange because it is against HIPAA laws to request medical information. I will gladly provide this as I was unable to move, nor make calls during my stay at the XXXX and XXXX XXXX. Please help resolve me resolve this issue. I have already taken precautions to put freeze alerts with the credit bureaus in fear that someone has my personal information.