davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I am a physician attempting to repay my student loans. This is my third complaint regarding Navient. Most recently, I made a large payment towards my principal and was assured multiple times my monthly payments would be reduced thereafter. 

However, I have been charged the same monthly amount via automatic debit every month since that payment. 

As usual, Navient 's customer service has been useless and dishonest.
Consumer complaint received 2021-10-23
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. (AZ)

I have 4-5 erroneous accounts that were opened on all 3 credit reports ( same merchant ) different bureau. I have disputed this multiple times. Unfortunaetly the credit reporting agencies have not followed what I have asked to prove these accounts were mine or delete the items being reported. I have asked multiple times to do a manual investigation and NOT to use the E-Oscar and NOT to use ACDV or the Automated Dispute Resolution. When I tried to open a 2nd dispute online for one of them the system would not allow me to submit a 2nd dispute. I need to have these manually verified and see proof that these accounts were ever mine because I never opened these accounts and nobody so far has been able to provide me with any proof they were.
Consumer complaint received 2021-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MI)

In 2019 I paid my last bill with XXXX XXXX XXXX  and instead them ending the contract they wanted to up sale me. I have filed complaints against XXXXXXXX XXXX XXXX  before. It's been about 8 months sense the last complaint I filed against XXXXXXXX XXXX XXXX. Now XXXX XXXX XXXX  sent my a collection notice through a company called AFNI. Now XXXX XXXX XXXX has a different amount, They are referring to this as a discounted offer. This is a fraudulent attempt by XXXX XXXX XXXX  to collect money not owed. The amount XXXX XXXX XXXX  said I owed is {$490.00}. Now, it's been reduced to {$270.00}. When I contacted the company before I filed my original complaint, all their customer service reps acted as they did not know who I was. All of their reps read from a script so they are not going to try to solve any problems.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I received a retroactive interest rate refund this past summer from Citibank annotating that my account 's high APR increase was identified as eligible for the rate reduction due to their review they do every six months pursuant to Regulation Z and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. My refund pertain to the high rate I was charged due to flaws ( so they say ) in their semi-annual APR review methodology and I was given credit for this from XX/XX/XXXX thru XX/XX/XXXX. Per Citibank, it also included an amount for foregone earnings on the excess interest charged. The letter continues with them stating that they have corrected the APR on my account. Upon receiving this letter ( via email ) and already receiving the refund, I immediately checked my account but as shown on my statements since XX/XX/XXXX, the APR had not been reduced, I am and have been since at 29.9 % APR. I immediately reached out to Citibank and explained what I have noticed and about my letter along with the refund. I was advised at that time that since I was on the list of refunds just recently reviewed and submitted, that it will take about 1 billing cycle for my account to show the lower APR and that I would also receive another refund based on this high amount still on my account on next review but to contact them if I do not receive my reduced APR. Well, I have been very patient and gave them over 1 billing cycle but still no reduced rate. Today, XX/XX/XXXX, I reached out to Citibank again. This time given basically the same line but this rep added that my account will need to go up to MGMT for review to see if I am able to obtain a lower APR. I explained to her, this is not what I was informed the first time and not what is stated in this letter ( via email ) I received in XXXX. So in turn, I said fine, keep sending it up for review and I will file a complaint because there is no reason for me to still receive the higher APR rate.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XXXX Huntington bank reversed a provisional credit amount of XXXX The amount was part of a disputed charge from XXXX who committed fraud when they debited my account without authorization. Huntington back then reversed the credit they gave me saying that I had a contract with XXXX to be able to debit my account for any past due balance. Well you have to have a contract with XXXX to have their service but as I explained to Huntington Bank that does not give them the authority to debit my account whenever they feel like it for whatever they want. This was an unauthorized charge from XXXX and Huntington Bank allowed them to commit fraud on my account.
Consumer complaint received 2021-10-23
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: Nelnet, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Nelnet Loan Services. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my TRANSUNION credit file dated XX/XX/2021 and XX/XX/2021. On multiple occasions I request XXXX  XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Consumer complaint received 2021-10-23
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 (CA)

It's been over a year, ( XX/XX/2019 ) since I've missed late on this account. However, it is still being reported as a late payment on my credit report. I've tried talking to the company about working with me to not report this being that it's been nearly two years. 

I've tried to negotiate to have this removed but was told that there's no way. They will report as usual.
Consumer complaint received 2021-10-23
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. (GA)

For several months my credit report has been reporting inaccurate information across all three credit reporting agencies. Specifically the date of last activity, but there are several other pieces of information reporting incorrectly on these accounts. The FCRA clearly states that credit reporting agencies must report only accurate information and that banks rely on that accuracy as well as the consumer. It specifically states that information reported must be accurate, complete, and verifiable across all three bureaus. I have included screenshots of my credit report that clearly show reporting inaccuracies. These inaccuracies have been shown and disputed with the named credit reporting agencies several times and they willfully verified the accounts as accurate and did not change or update any of the inaccuracies in question. 

On XX/XX/2021 I sent a letter to XXXX, XXXX, and Equifax regarding the following accounts : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

On that day I also sent a letter to XXXX and Equifax regarding the following account : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

All of the credit reporting agencies named above verified the false information as accurate which is a violation of the law. This is willful non-compliance and negligence as well as false credit reporting. I know it is my right to sue in court for these violations and be compensated {$1000.00} per violation.
Consumer complaint received 2021-10-23
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: Nelnet, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-23
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: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IN)

While in the process of repairing my credit I noticed an alleged debt from Harvard Collections Services LLC opened in XXXX of XXXX being reported for something that does not belong to me. On XX/XX/XXXX at XXXX XXXX  XXXX I contacted Harvard Collection Services in regards to an alleged debt from XXXX in the amount of {$1300.00}. The agent that I spoke with refused to provide me his name and stated that the alleged debt was in fact mine and that it stemmed from over payment from the state of Illinois for state assistance between the months of XXXX to XXXX of XXXX. I have never resided in the state of Illinois and can't seem to understand why the agent to whom I spoke with advised that I would need to call another phone number and leave a message for a return call in which a representative would call me back for follow up in 7-10 business days. I never received the follow up. I called again on XX/XX/XXXX and left another message. It is now XX/XX/XXXX and I have yet to hear back from Harvard Collections. This alleged debt has been reporting for well over 30 years on my consumer report, which has reached well past the statue of limitations and reporting illegally.
Consumer complaint received 2019-03-25
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. (GA)

I am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Judgemntcollection XXXX XXXX that is reporting on Equifax only.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

I have not made any communication with LVNV Funding LLC. However, I have attempted to dispute the trade line listed on my credit report ( XXXX XXXX, XXXX ) multiple times. when disputing the listed trade line, I have given multiple explanations informing LVNV of the error and a resolution that would be in their benefit. 

However, all three credit bureaus have informed me that the reporting is accurate by LVNV Funding LLC in which LVNV Funding LLC states they owe me a balance of {$620.00}. 

I requested a method of verification from the major credit bureaus about my dispute results and the investigation steps taken within the 15-day time limit ( FCRA 611 ). Multiple times I was informed that my request to get information about the investigation was marked as frivolous. Therefore, I am operating on the understanding that LVNV Funding LLC owes me a balance of {$620.00} that I have yet to receive.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NV)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I told them to leave me alone as the debt wasn't valid. They never validated the debt but continually call me. When they call, they don't leave a message. They just call from numerous different numbers several times a week. I answer but no one says anything. I have to XXXX or call the number back to find out who it is. I want them to stop calling me! It's harassment at this point.
Consumer complaint received 2019-03-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I paid off with my credit card bill, but there is a bad score for late paid. 
Is there any way can help me take off the bad score from my credit report?
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my XXXX report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my Equifax report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (SC)

I was trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were XXXX XXXX XXXXXXXX and Chase. 
The loan company said that I had debt with XXXX XXXX XXXXXXXX of {$18000.00}. And that I had XXXX Chase cards for amounts of {$9400.00} and {$2700.00}. 
I called XXXX XXXX XXXXXXXX and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold XXXX years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : XXXX XXXX XXXXXXXX was listed in the schedules, and they were served with notice of the bankruptcy filing. XXXX XXXX XXXXXXXX did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where XXXX XXXX XXXXXXXX did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with Chase. 
I submitted a complaint to XXXX, and they completed their investigation. However, the XXXX XXXXXXXX XXXX {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call XXXX XXXX XXXXXXXX and Chase and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

Thank you.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have my auto loan with capital one since XX/XX/XXXX and i never been late and they show i was late once in XX/XX/XXXX late and my credit shows late payment. this is there own processing error i have never been late and i explain it to them and they wont remove this late payment from mine and wife XXXX XXXX credit report. i want them to remove this late payment from both of us credit report.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

We refinance our loan with XXXX XXXX. Balance of escrow for {$890.00} ( due by Chase ) was never received. We called ( with my Broker ) Chase Mortgage customer service around XX/XX/XXXX and were told the check has been sent on XX/XX/XXXX to our personal address. Not received. We called again on XX/XX/XXXX and were told a check has been re-issued on XX/XX/XXXX and sent again to the same address. Not received. Desperately, we asked for a new check to be sent to our business address. Not received.

While looking for a solution we asked the check to be sent by registered mail, or to a Chase branch in XXXX or XXXX for pick up. We also asked for a bank wire to my XXXX XXXX account. Chase declined our requests.
Consumer complaint received 2021-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc. ()

The Binance exchange which is very popular has received XXXX XXXX as an XXXX  in which the infrastructure was already perfectly functional and setup for a previous airdrop XXXX XXXX XXXX in which they have announced that they will support. When the XXXX airdrop came, they decided to not distribute it to the rightful owners and keep it for themselves and we have proof that they have the XXXX XXXX  in their address by looking at their address on the blockchain. This company needs to be put back into place and ordered to distribute XXXX XXXX to the rightful owners who participated in the airdrop  and they are currently holding ~XXXX  XXXX  dollars worth of XXXX  which are not theirs.
Consumer complaint received 2022-06-13
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. (SC)

Please remove ALL these inquiries that are NOT Authorized by me 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.