davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I had filed a complaint against Navient ( student loan company ) with CFPB XX/XX/XXXX. Through CFPB, Navient responded ; however, I later understood the response to be related to a bankruptcy filing, which Navient, in their response, stated : " The Administrative Forbearance placed on your account is in connection with a nationwide class action lawsuit, under an Agreed Order which is pending in the U.S. Bankruptcy Court for the Southern District of Texas. '' I did not and have not filed for bankruptcy at any time in my adult life. I was not contacted about a bankruptcy lawsuit and the forbearance placed on this account by Navient or any other party associated with Navient. My XX/XX/XXXX complaint against Navient was in relation to the 39-state settlement reached with the states ' AGs in regards to Navient 's offshoot company Sallie Mae 's predatory student loan lending practices. I was primary on this loan and therefore should have been alerted to a bankruptcy filing and forbearance status placed on this student loan. Please see my XX/XX/XXXX complaint below. This complaint is based on the 39-stated settlement reached with the states AGs : XX/XX/XXXX complaint filed with CFPB " Navient has reached a 39-state settlement to clear student loans for thousands of students due to the attorneys general litigation via Navient 's ( offshoot of Sallie Mae ) predatory student loan lending practices. I took out such a loan in XXXX but did not attend for more than a few weeks due to a job offer and relocation to a different state. I tried to reach an amicable resolution with the lender but was not able to and the loan has increased from XXXX to XXXX. No payments have been made in several years, however the loan is being reflected as paying as agreed -- I suspect this may be in light of a stipulation in the 39-state settlement agreement. I have disputed the loan based on the press release and news reports of the settlement, but the credit bureaus are sticking with Navient 's claim that the loan stands. Please help me get this resolved and cleared from my credit report via part of the recent settlement agreement. The school I attended is on the list in the settlement. Thank you. '' XXXX XXXX
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I closed my account with t-mobile and returned the equipment. I got a bill from t-mobile with a XXXX USD balance on XX/XX/2023. I disputed this bill and provided proof of the return of the equipment and also submitted a complaint with the FCC ( ticket no XXXX ). 
On XX/XX/2023 t-mobile sent me the adjusted bill showing a XXXX USD balance ( scan attached ). 

A debt collector that identifies themselves as South West Credit called me on XX/XX/2023 on XXXX XXXX XXXX asking me to pay an amount of XXXX USD that I owe XXXX. I explain that I don't owe them anything and I got an adjusted bill. I feel I'm harassed and I would request your intervention.
Consumer complaint received 2022-05-14
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. (TX)

FCRA violations : accounts not mine XXXX Potentially negative Date XXXX XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE IDENTITY THEFT INQUIRIES MADE WITHOUT MY PERMISSION. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW AND SEND ME A COPY OF MY CREDIT REPORT. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  XXXX DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023. 
XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 Thank You for Your Help.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-14
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: Southwest Credit Systems, L.P. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account under : Southwest Credit Systems has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-27
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. (NC)

this is for equifax. they will not remove anything from my credit report without a copy of my driver 's license and social security card. so i am going to upload them along with a copy of ftc id theft report and police report. so that they can remove the requested items from my credit report. otherwise they told me they cant remove them without the required documentation
Consumer complaint received 2022-05-15
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. (NC)

XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX/2021-XXXX/2021 which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXXe is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX/2021-XXXX/2021 which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

In XXXX, I filed a complaint with Wells Fargo for XXXX. Due to health issues and other unfortunate circumstances, I wasn't able to get on the flight. Wells Fargo issued me a provisional credit. Afterwards, the called me only once, and sent out one letter. They did not ask me for further evidence to support my claim. 

They sided with XXXX, a company that is known to abuse and treat their staff and clients with XXXX, cruely. I continued to bank with Wells Fargo through all of the shot they put clients through. 

During the Pandemic, I was the sole caregiver for XXXX XXXX people who were seriously ill, while recovering from long haul. I lost work due to health issues and XXXX from long haul XXXX. 

Stresses from dealing with Wells Fargo, has my health even worse. 

Wells Fargo reversed the provisional credit on my account and garnished XXXX weeks worth of pay on my account. They put me in the negative for almost XXXX. I was left in a emergency situation. Since then, they refuse to refund me back my money and have been absolutely terrible. 

I've had to deal with lies and bullying from this shady and unethical business. Absolutely heartbroken. 

Wells Fargo, your day of reckoning is coming. Wait and see.
Consumer complaint received 2022-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My loan has an unknown ecrow payment increase that resulted in a {$400.00} increase in my monthly payments. It has forced me to apply for a new loan with an increased payment just to avoid losing the home. This all occurred when my loan was bought by Mr Cooper and there are new notices of hazard payments that I do not recognize without any details of these increases itemized on my statements. I have reached out to my insurance company as well to research this but Mr Cooper states forced hazard insurance is not removeable.
Consumer complaint received 2022-05-14
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. (PA)

Recently I have pulled my consumer report and noticed that XXXX XXXX XXXX  has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX with the balance updated as of XX/XX/XXXX in the amount of {$450.00}. 

XXXX XXXX XXXX  has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead XXXX XXXX XXXX  charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by XXXX XXXX XXXX  is inaccurate. I also have reason to believe XXXX XXXX XXXX  is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I have reason to believe that XXXX XXXX XXXX  is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if XXXX XXXX XXXX  has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. 

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ). 

The following account beginning with # XXXX with the balance of XXXX is to be deleted from all credit reporting agencies.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online, Buy and sell items such as ebooks, shoes, bags etc. since XX/XX/2022. My PayPal account : XXXX has stuck funds in it that I have to widraw my funds.

Thank you and Godbless. For Identity verification, I attached my valid ID. Please see my attachment.
Consumer complaint received 2022-05-14
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. (CA)

I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with Equifax and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.
Consumer complaint received 2022-05-14
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. (SC)

Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXX XXXX ( XXXX XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

I paid my walmart store card balance in I full a hold has been placed on my account for out if pattern payment ( still on hold ) am told it can take XXXX days asked XXXX badge # XXXX if i can expect this XXXX month and she told me it certainly was possible for " out of pattern '' payments
Consumer complaint received 2022-12-16
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 has violated my rights. 

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
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXXXXXX XXXX ( XXXX  XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

I have an account with American Express that had a card limit of {$10000.00}. I have had this account open for 2 years and Ive NEVER had a balance over 20 % of my limit ( which has always been {$10000.00} ). I recently tried to make a {$9000.00} purchase and it was denied for security reasons. When I called the company a very sarcastic and blatantly XXXX man told me that he suspected I was using this card for un-meaningful purposes, and lowered my credit limit to {$1000.00} without even telling me he would do so. I have never missed a payment and I am of XXXX decent, my name is XXXX XXXX. I have absolutely nothing in my account history to warrant a massive credit deduction as such. Even my credit reports show for the last 12 months Ive only utilized 20 % of my available credit and I have had a consistent credit score of XXXX in these months. This is absolutely horrible, unwarranted on a account thats never had a 20 % + running balance ever in its 2-year existence. I tried calling this card company back but received little help. Whenever I call the card company i speak to XXXX workers who seemingly always have a XXXX ( sarcastic ) attitude because of my voice.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For XXXX XXXX on my Transunion report of being late on a payment. The account was paid in XXXX  before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX  balance. 

This is affecting my ability to get loans/better interest rates.
Consumer complaint received 2019-01-23
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: Colony Brands, Inc. (IL)

This company continues to report 2 unauthorized accounts on my credit report. Ive even tried to pay this debt that isnt even mine however, the company says they do not even own it anymore. The debt was apparently sold to a collection agency. The major issue with this is # 1. The collection agency is no longer in business # 2. Why is the original creditor still reporting a balance on an account they no longer own. The original creditor will not deal with me since they sold the debt. So they expect me to deal with a phantom collection agency. This is becoming ridiculous.
Consumer complaint received 2022-05-14
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. (KY)

in accordance with the Fair Credit Reporting act Convergent Account Name us dept of educatio Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name us department of edu Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name usdoeXXXX Account # XXXX, Account Name us dept ed Account # XXXX, Account Name XXXX  Account # XXXX, Account Name us dept ed Account # XXXX, Account Name us dept of edXXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name us dept of ed/XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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