davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient has encouraged me quite often in the past to get " Forbearance '' and then " Consolidation '' when I had personal setbacks like divorce and paying for my children 's college loans and mine which I took to get relief. I inquired and completed forms for " Public Loan Forgiveness '' and Teacher Forgiveness '' to no avail. I have spent countless hours on the telephone with Sallie Mae and Navient employees. I have now retired and inquired again about forgiveness programs after 50 years of working in XXXX, specifically with XXXX XXXX XXXX XXXX, XXXX XXXX   children and adults and XXXX populations. I was told that I did not qualify for either program because I followed through with their advisement that I consolidate my loans with my children 's loans. I did not have a viable option at the time because my children 's colleges/universities did not allow students to apply for student loans. I have been put in a " no-win '' situation by both Sallie Mae and Navient with their forbearance schemes and false encouragement to consolidate and their determining my payment options without my consent. ( I am asking for forgiveness of this extremely large debt, although I have maintained these payments by " robbing Paul to pay Peter '' analogy. ) I have just received an increase notice which competes with my mortgage payments. In fifty years, my student loan debt has not shown any decrease due to their machinations, captialized interests, and poor advisement. Thank you.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I DO NOT KNOW ANYTHING ABOUT IT AND IN NO WAY IS ANY TRANSACTION MADE BY ME IS RELATED TO THIS ACCOUNT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-03-08
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. (TX)

Experian and XXXX are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at XXXX several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Today I have reviewed my credit report and discovered that this company has reported that this company has reported that I owe them a debt. I was never sent any notification to make me aware of anything. I do not recall ever doing business with this company
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Equifax has failed to remove fraudulent hard inquires off of my credit report, they have sent me several letters in the mail with confirmation numbers stating that the inquires were removed but they still reflect on my credit report. I have the confirmation numbers and hard inquires listed below. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have contact equifax numerous times about these inquires. I have submitted in writing and verbally call. This is fraud please remove
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My husband passed away and Citizens bank began charging really high fees for an overdraft count and did not notify me of the overdraft charges. I asked them to remove the charges nd close the account. They would only remove 2 which is not fair to me. I did not know it was negative.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Extremely UNETHICAL practices by Bank of America associates.

I went for safe box access and and the bank staff gave me a pitch for changing my bank account types for getting more interest. I inquired multiples times for any extra fees/ monthly maintenance and nothing was disclosed!

Now, today I saw an alert for my balance falling below a threshold limit despite having no transactions/activity done in last 8 months or so. I check my online account closely and a monthly maintenance fee is silently deducted from all 3 accounts from last 4 months. I had one savings account from last 11 years and never had to pay any kind of unnecessary fee despite a low balance.

I called phone rep and asked for all the refunds as these fees were never disclosed despite asking to the bank staff. The associate only refunded XXXX $ of XXXX $ fee deducted and closed all my 3 accounts saying he can not go back more than 2 months!
Consumer complaint received 2021-06-25
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: EQUIFAX, INC. (MD)

Hello, According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give Equifax written permission to furnish a consumer report about me, nor specific entries contained within a consumer report. As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that Equifax remove two accounts from my credit profile ASAP. 

Account 1 : XXXX XXXX XXXX Alleged late payment that is still displaying open but last updated XX/XX/2019 Account 2 : XXXXXXXX XXXX  A closed charge-off account that was last updated XX/XX/2019 My next move will be to file a lawsuit against Equifax if these accounts aren't removed from my credit profile ASAP. 
Thank you, XXXX
Consumer complaint received 2018-10-08
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. (TX)

I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. Worst, they even reported it as duplicate account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get a credit card.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I filed bankruptcy on XX/XX/XXXX. All my credit card accounts and other loan account were current never late. After filing bankruptcy the accounts all show closed but they all show late after XXXX. i was never late on any account even before filing on XX/XX/XXXX I have asked and disputed the information and all i get is it is accurate. This is hurting my credit scores and is hurting my ability to improve my credit after bankruptcy. Experian is the only company that is showing this issue. I started my first dispute on XX/XX/XXXX. I also called experian multiple times. My credit score difference between the 3 reports is roughly 40 points lower with experian.
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I purchased a XXXX XXXX back in XX/XX/XXXX in the month of XX/XX/XXXX. I fell behind on my payments due to Santander 's predatory interest rate and fees. Santander sent me a letter asking for $ XXXX in XXXX I contacted them and offer them $ XXXX they did not accept my offer. They charged off the loan in XX/XX/XXXX now two later they sold it to a junk debt buyer who is now riding by my house shining lights in mu window. Santander has wrote this off a loss of income how do they sell a debt they claimed a tax deduction for and a tax break. They got their money for the car and a lot more. I received no re-assignment of debt or proof that the guy driving around my house has legal proof to harasses me.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

Dispute the information with XXXX XXXX XXXX XXXX XXXX and with the credit report agencies.

The fee charges in the loan are not correct. They are charging me in past due {$2200.00} dollars additional to the principal balance of {$2400.00} of the student loan. I studied in the XXXX XXXX XXXX XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXXwhen I apply and received the student loan, and then I was transferred to the XXXX XXXX XXXX XXXX  at XXXX XXXX and keep studying uninterrupted during the next years when I graduated in XX/XX/XXXX. Also, I have another consolidated student loan which I am still in a repayment plan, and paying as agreed in good standing.

XXXX are charging me the unexplained amount of {$2200.00} in past due amount loan. I never received letters from the XXXX XXXX XXXX XXXX or any of the campus that I studied, or any collection company regarding the student loan debt. The letters that XXXX sent was to a postal address in a XXXX XXXX from XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, and lived previous years at different locations so I did not knew about the letters, but after the payment due date of the loan in XX/XX/XXXX, a relative who received the XXXX  letter addressed to my name in XXXX XXXX could not forwarded me the letter to XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

Recently I spoke with a XXXX  Customer Service Representative after i submitted a dispute with the Consumer Financial Protection Bureau in XX/XX/XXXX because they sent inaccurate information to the credit reports agencies, and I request to that person more information related to the past due charges of my student loan. The Customer Service representative let me know that they would send me a letter with the detailed information of the current and past due charges of my student loan. I am still waiting the requested information and details of the student loan, and why I have to pay past due charges if I never heard, or received notice calls or letters, with such information related to my student loan.

Principal Balance : {$2400.00} Past Due : {$2200.00} Total : {$4600.00} I tried to solve this matter with XXXX and didn't received any information from them, I created and updated my contact information in my profile account of XXXX  because they had inaccurate information in their records.
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. (CA)

I am submitting this complaint against the 3 Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2018-10-08
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. (MD)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few years ago I tried setting up auto-pay. It was a disaster. I was told to continue paying the bill until I got a notification that the auto-pay was established. I never got a notification, and so I continued to pay the bill. Suddenly, BofA debited my checking account for the most current bill even though I already paid it, so I had a credit balance. The following month I was debited again, retaining the credit balance. When I called and asked I was told there was " nothing that could be done about that. '' I asked for the refund of the credit balance but that request was denied. So my only recourse was to cancel the auto-pay, let the credit balance get used, and then continue to pay manually each month. 

Fast-forward to a few months ago. I tried once again to establish an auto-pay. After digging, I finally found the section on the ( very poorly designed, and I spent the latter part of my career designing websites and working with programmers, so I do know what I'm talking about ) website section, entered my account information, got no error messages, and moved on. I never got an acknowledgement that this actually happened, and so I've been paying manually. 

Today I called customer service to find out if the auto-pay is set up. I was told by XXXX, the customer service representative, that there was no auto-pay set up on the account.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Community Health Investment Company, LLC. (AR)

I have tried on several occasions to get the XXXX XXXX XXXX XXXX to rebill my insurance company for the {$1900.00} they were initially charging for the XXXX XXXX XXXX I had done. Instead of them doing so, they hired an collection agency to harass me. I called XXXX XXXX XXXX XXXX this morning to get to the bottom of this and the first rep I spoke to told me that if I did not pay they would sue me! I had insurance and called Arkansas Medicaid to verify it. I even called the Medicaid Claims department and grievance department. I was told by the grievance department that the hospital failed to submit the claim with an extension or with a XXXX referral. This couldve all been solved without the threats and headaches I received.
Consumer complaint received 2021-06-25
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. (MD)

I've reached out previously about inaccuracies on my consumer report. I am completely stressed and physically ill because of it. I havent been able to work and have lost weight and my hair is falling out.
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: South Mississippi Collection Services Inc. (MS)

This month, XX/XX/2018, a Medical Debt Collection Account by South Mississippi Collection Services , INC posted to my Credit Reports. My credit report shows that this Collection Account was opened in XX/XX/2018 with a late amount of {$64.00}. Per the Fair Debt Collection Practices Act ( FDCPA ), I WAS NOT notified of this debt to allow me to dispute its accuracy. By my LAWFUL RIGHTS, I am requesting a DEBT VALIDATION of this Collection Account.
Consumer complaint received 2018-03-13
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. (MS)

The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to XXXX  and Experian. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.
Consumer complaint received 2020-11-05
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: SYNCHRONY FINANCIAL (MD)

While in XXXX XXXX I was deceived to use pay pal credit. They offered financing deals on purchases depending on the amount of purchase without reporting to credit bureaus. While Im XXXX I was on time with payments and regularly made payments. On 2-3 different occasions Im XX/XX/2019, XX/XX/2019, and XX/XX/2019. And PayPal failed to advise of any missed payment even as I reached out to them to make payment. Representatives were often confused or advised payment could be done at a later time. Recently, I checked my credit report and seen that Synchrony Bank took over PayPal Credit. This information was not provided to me and my credit information was not advised to be reported to any of the bureaus. Ive been getting notifications every month of late payments from the previous mentioned dates and reporting of my credit for this account. Also unaware of this account, it is also being reported that the account was closed by consumer. Not once have I spoken to PayPal or synchrony advising them of such. I also never was made aware of any account closure by mail or email and have paid my bill every month on time. I am asking that these late payments that violate the fair credit reporting act, damages from failure to obtain new credit at favorable interest rates, damage to my personal and business reputation are REMOVED immediately. This issue has been widely documented from many consumers and I didnt even realize how they scammed me and my credit reporting as well as others!
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (NY)

On XX/XX/2020, I received a letter of intent to collect a debt from Allied International Credit Corp. ( US ). Their address is XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX. They state that I have acquired a debt with XXXX in the amount of {$95.00}, but I do not have and have never had an XXXX  account. I looked at my credit information via XXXX XXXX and found no negative information there as I have no established credit. Additionally, there are no negative inquiries to my credit and no record of this debt on it. 
Further research into this company led me to a thread on the XXXX  community forum where it was recommended that I file a complaint with this institution. 
I have not contacted this company and refuse to do so as I have not accrued this debt nor have I had any accounts to my knowledge with XXXX. Further, the XXXX  forum thread stated not to contact them directly.