davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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: Sequium Asset Solutions, LLC (TX)

( all times Eastern Standard Time XXXX XXXX ) XX/XX/2022, XXXX XXXX I received a notice from XXXX about activity on my credit report. I looked up my credit report on XXXX and found a collection account that is not mine on the report : - Credtor : SEQUIUM ASSET SOLUTION - Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Phone : ( XXXX ) XXXX - Original creditor : XXXX XXXX - Account number XXXX - Balance : {$1100.00} XX/XX/2022, XXXX XXXX I called the creditor at the phone number listed on the credit report. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. I left a voice mail message with my name, location, phone number, and the nature of my call. 

XX/XX/2022, XXXX XXXX I called the creditor at the same phone number. A voice response system answered, offering either a dial-by-name directory or an operator. I chose the option for an operator. The " My Tell Voice Mail System '' said the mailbox was full and did not allow me to leave a message. 

XX/XX/2022, XXXX XXXX I sent a message to the creditor via a form on their website at this URL with my name, phone number, email address, and the nature of my request : http : //www.sequium.com/ContactUs/ContactUs.

I received a confirmation via email that the message I sent to this creditor via the web form was received. I have received no communication from any human about my issue.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened an account with Capitol One Bank online. I made a typo in my Social Security Number. To correct this problem I was required to submit a W9 online. I did submit the W9 ; however, I went into the branch with my social security card, 1099, letters from Social Security and other tax forms but -- -despite asking me to bring these documents and come back with other documents -- -Capitol One has refused to allow me to access my accounts ; though my pay was directly deposited and thus I am unable to pay rent or other bills.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IA)

I was in an accident on XX/XX/XXXX when a car ran a stop sign and ran directly in to my car. I have an accident report stating that the driver of the other vehicle received a citation and was at fault. I recently bought a new car and when I was getting insurance on it the report came back from Lexis Nexis Risk Solutions stating that I was responsible for the accident therefore increasing my insurance rate by {$200.00}. My insurance agent tried to dispute the claim and was unable to do so. I have been trying to dispute the claim myself this week. I've called the number that they provided ( XXXX ) three times on XX/XX/XXXX at XXXX, XXXX, and XXXX XXXX and was unable to reach a representative and continued to get to the part that requested the state. I stated " Iowa '' each time and it was not recognized every single time. Then the call hung up. I got online and found an additional number to call ( XXXX ). Again, they requested state and I was unable to go any further. On XX/XX/XXXX went online to the website that they provided for disputing claims ( https : //consumer.risk.lexisnexis.com/request ). I entered all of the required information, including my social security number. The website stated " An internal error has occurred and we are not able to process your request. Please try again later. '' I found another number to try for a 24 hour assistance line ( XXXX ). I pressed three for the prompt to talk to a representative. The recording stated that I will have to call back during business hours. I will try to call back tomorrow, again. Very frustrating situation with Lexis Nexis Risk Solutions.
Consumer complaint received 2018-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Issue # 1 My name is XXXX XXXX and I have been making payments on my private student loans to Navient since XX/XX/XXXX. Here is the problem : - My original principal issued on XX/XX/XXXX is {$5000.00} - My current unpaid principal is {$5500.00} - My number of payments since XX/XX/XXXX are 72 payments totaling to $ XXXX*.

* Includes {$130.00} of fees, {$4100.00} of Interest, {$1300.00} applied towards Principal.

- Total Capitalized interest by lender on my account is {$1900.00} which is disabling lowering my principal.

Navient keeps increasing the interest rate, currently 12.375 % This is absolutely 150 % UDAAP predatory practice. Navient is a thief. My lender is disabling me from ever paying off my student loan.

Issue # 2 My lender is discouraging me from releasing my cosigner due to some of their requirements to release the cosigner, while other lenders don't have these requirements : " The borrower must also provide documentation of the following : Proof of graduation or successful completion of course of study. '' I did complete those courses years ago in XX/XX/XXXX/XX/XX/XXXX but it is a hassle getting those transcripts. Yet, I didn't finish the program. Every time I call Navient about this issue, they refer me to the " form '' like it is above the Federal Lending Regulations. 
Therefore, I can't release my cosigner given all the payments I have been making, which is disabling my cosigner from getting a lower rate for a business loan for their business. 
Ultimately, this is disabling me from being financially healthy and affecting my relationship with my cosigner.

Navient doesn't seem to be an ethical lender at all. Navient is a Champion of UDAAP when it comes to lending. Shame on them. ( definitely going to XXXX ).

Per my research, Navient did the following : - created obstacles to repayment by providing bad information ; - Definitely processed payments incorrectly ; - failed to act when I complained ; - illegally cheated me out of my rights to lower payments, which caused me to overpay for my student loan ; - deceived me about requirements to release my co-signer from the loan.
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX  report.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

On Monday XX/XX/XXXX, I received a letter in the mail from American Education Services regarding a delinquent private student loan debt. I created an account online to view further information on Wednesday XX/XX/XXXX to view more account information, as I have never received any information about this loan prior to XX/XX/XXXX. I called American Education Services and spoke to a representative named XXXX. XXXX kept referring to the lender, and I had to ask him who the lender was, as I was never informed. Apparently the lender is XXXX XXXX, formerly XXXX XXXX XXXX, who had issued me a private student loan of {$36000.00} in XXXX, and had never billed me or sent information regarding repayment of my student loan. After telling me that I have absolutely no options to rehabilitate the loan except to pay {$41000.00} in late payments and that the loan is currently in process of defaulting, I asked XXXX why AES or XXXX has never sent me any billing statements or notices regarding my debt prior to this letter received on XX/XX/XXXX. He looked into my account information and verbally agreed that neither AES nor XXXX XXXX has ever sent me or the endorser any kind of billing statements. XXXX offered to submit a lender review, but told me theres no guarantee XXXX will do anything about it. I attempted to find legitimate contact information for XXXX XXXX XXXX XXXX, and the website XXXX XXXX XXXXXXXX doesnt exist, and when I attempted to call their telephone number listed as ( XXXX ) XXXX, it only gives a busy signal. I am absolutely sickened and enraged by this, and am completely convinced this was a purposeful scam of behalf of both XXXX XXXX and/or American Education Services XXXX
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : 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 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 TRANSUNIONXXXX 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 XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Thank you for your assistance.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a " Collection '' on my account with no company name specifying where the debt came from. It is just described as " collection ''. It has multiple wrong dates and it even says that the " customer disputes account information '' but there is a lot of information missing. I can not verify the debt.
Consumer complaint received 2019-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

Took the hurricane Irma mortgage 3 months assistance, now I got served a civil action summons on XX/XX/XXXX with 20 days to respond. I have been in contact with Flagstar Bank and sent them all the paper work they requested for a modification at least 7 times ( mail an via email ) over the past 6 months. They still can not and will not help me. Every time I call they say we are working on it or we need this paper or that paper which we have already sent again, but send it again anyways. They sent back my payment as well. Please help my family.
Consumer complaint received 2022-07-08
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. (GA)

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's TransUnion, XXXX, XXXX, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

This " law firm '' Reimer LawXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ) XXXX states they are legally protected to file garnishment of wages for a XXXX collection they BOUGHT XXXX XXXXXXXX. We did not agree nor sign ANYTHING regarding our XXXX taxes with this " law firm ''. We recvd one statement from them via mail, stating send {$5200.00} within 15 days of date of letter, which was XX/XX/XXXX. I recvd statement XX/XX/XXXX. 1st and ONLY communication with said " law firm ''. I sent a debt validation request to them, because AGAIN I had no information or idea whom this firm was and they DID NOT send any of the requested information back to me, however they were ignorant enough to send me a copy of the court information that anyone can screenshot off the actual court website. Not to mention that during the beginning of the covid pandemic, I spoke with XXXX from XXXX office XX/XX/XXXX ( XXXX XXXX Oh ) I explained that my work hours had been cut and the jobs we were set to complete were postponed and/or cancelled, due to the pandemic. She stated that she would note our acct and all accounts for XXXX payment plans were being put on hold until the determined time that the workforce ( ie : companies, businesses, offices, etc ) were able to get back to complete fulltime status. That is the last communication I had with XXXX. I did not contact XXXX again, bc of all the pandemic issues, illnesses and deaths happening in my family nor did I recv any type of mail, phone messages, email or information FROM XXXX regarding my account, since our phone conversation in XX/XX/XXXX. 

I have submitted a request for Judge XXXX for a hearing on this matter, case # XXXX on XX/XX/XXXX and I have also requested an AUTOMATIC STAY on any said garnishments until further notice. 
This " law firm '' should be ashamed of itself, especially in a situation where EVERYONE has been affected by the aftermath of a pandemic. If this " law firm '' works this shady, by scare tactics and ILLEGAL GARNISHMENTS, they need to be HELD RESPONSIBLE, especially during a time that our country is literally crumbling from high gas, utilities and food prices. This " law firm '' is going to meet up with others like myself, who are knowledgeable to the fact that its illegal what they are doing. These types of companies need to be held accountable for kicking the citizens while already down. Its DISGUSTING!!!
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Flight purchased on XX/XX/2022 evening via Chase XXXX XXXX travel booking website with multiple areas stating " Cancel for free within 24 hours of booking. '' Tried to cancel with XXXX Rewards the following morning and they said they can not cancel it -- reached out to airline directly and they can only cancel with {$100.00} fee and credit of remaining balance with airline only.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (TX)

Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. Ive never done business with them and This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
Consumer complaint received 2019-01-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and Experian. To date the debt has not been validated but still remains on my XXXX  and experian credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and XXXX and experian have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
Consumer complaint received 2018-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX Capital one has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-18
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: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX American Express has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XXXX XXXX has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-18
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: CITIBANK, N.A. (FL)

CBNA has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX  credit report. 
XX/XX/XXXX