davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I told navient I could not afford my current repayment plan. I have not been making payments that I can not afford it they have been calling the co-borrower and myself at least XXXX times a day. Today two family members called and stated that a credit collector attempting to collect a debt was trying to reach me. His name was XXXX and he left a phone number. these family members were not listed on any of my contact forms. He called me first and was able to contact me at my number. He had no reason to call them.I sent an email to Navient asking them to send me in writing what they were saying over the phone and I would comply. I do not trust anything they say over the phone they are very deceitful in practice. they told me over the phone that if I pay one month current they will forgive my prior past due balance. If I give them my account information I do not trust they will only take the agreed upon amount out of my account. I also want proof that they will forgive the past debt.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SML Capital, Inc. (NV)

XXXX XXXX  Agent XXXX XXXX. On closing day XXXX XXXX was not present, they had the closing paper ready for us to sign with my wrong last name and the notary XXXX XXXX from XXXX XXXX XXXX ask me to sign then she just cross my last name, I ask XXXX XXXX ( XXXX XXXX assistant ) to re-print then with the correct last name. I had provided my ID in 2 previous occasions and they make copies of it. This is so unprofessional not be ready with the proper documentation on signing day. Few days after signing XXXX XXXX called me to ask for my marriage certificate that the loan company ( XXXX ) requested this document last minute yeah right. XXXX XXXX ( XXXX XXXX ) promise us that the loan will be fund it in 3 days and it was I lie it took 7 days for us to get the money in our bank account. I really dont understand why XXXX XXXX doesnt look more into the job of their employees ( XXXX XXXX ) they try to get your business by lying to you and she is been in business for over 15 year I really dont understand how is this possible this company is the worst. We will never recommend we are also filing a complaint with the XXXX XXXX XXXX
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I hired my attorney XXXX XXXX XXXX XXXX to handle my mortgage defence on or about XX/XX/XXXX when I was given a default notice, ( 3 months behind then ) since then I followed my attorneys advice, the bank Specialized Loan Servicing of XXXX XXXX. XXXX CO. are playing games, they keep on adjouning the conference because they aren't ready and my arrears keep getting larger and larger, today they SLS didn't even bother to show up and the judge adjounded the case again ( 2 months ) from now to XX/XX/XXXX because they didn't show up. My Arears keep on going up. My bank Arears are now at {$110000.00} until present, I offered the bank {$100000.00} in XX/XX/XXXX and was turned down, this bank is not looking to come to the table and assist in getting this loan Motification or settled, I have both letters from my attorney stating the refusal of my offer by my attorney, and that today XX/XX/XXXX a scheduled court conference by the court they didn't even bothered to show up. I need you to investigate this bank as they are forcing me to file a bankruptcy which I do not want to do.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Debit card was lost/stolen as of XX/XX/XXXX, I reported multiple unauthorized charges made and received credit however, credit has been reversed. Transactions were made without my consent and card was not in my possession at time of purchases.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, XXXX, XXXX I transferred miles to another XXXX XXXX account. I was charged {$300.00} x 3 for each transfer when I was told {$30.00} charge for each transfer. Ive spoken with over 20 representatives with both American Express and XXXX. I have been hung up on on several occasions by both regular customer service representatives and supervisors. One charge of {$300.00} was credited however I am still waiting for the other refund of {$600.00}. I have opened a dispute with American Express and forwarded supporting documents. The dispute case has been closed and on XX/XX/XXXX I spoken with several representatives who also hung up on me. Dispute # XXXX opened on XX/XX/XXXX, XX/XX/XXXX spoke with supervisor, XXXX from Disputes Representative re-opened the investigation on XX/XX/XXXX.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-10
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to file this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This collection found within my credit report are not related to any transaction that i made i am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC
Consumer complaint received 2022-10-10
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I have applied several times for the PSLF loan discharge program for my federal loans serviced by XXXX. My employer qualifies- and I have been making payment since 2004. The original denial was because I was not on an income sensitive repayment plan - however, with the recent Executive Order, I was instructed to transfer my loans to FedLoan Servicing. I transferred my loans from Navient to FedLoan - and now am being told that I have only made 4 qualifying payments and they are not counting the 204 payments that I have made to XXXX. The guidance issued after President Biden 's order was that borrowers needed to transfer their loans to FedLoan to be considered for the PSLF program. 

This is absolutely unacceptable - as is the fact that XXXX locked me in for 6 % interest for the life of my loan and I was told that they would not sell the loan to another financer. Yet another hurdle in dealing with the predatory practiced of student loan companies that service loans for individuals like myself that would not have been able to attend college without federal assistance. I borrowed {$45000.00} and by the time I finish payments- I will have paid back {$99000.00} in hindsight, I should never have accepted the federal aid. I have already paid back {$72000.00}. This is beyond predatory - and these loan forgiveness programs seem to allow the federal loan servicing companies to skirt around forgiving these loans.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NC)

Card was applied for and open in late XXXX after going through some verification steps. I had to email documents ( copy of SS Card, Driver 's License, Bank Statement ) and go through some verification over phone. All docs sent were what the agent told me to send. Card came in the mail, it was activated however card is unable to be used. Online phone system says " card was closed '' and agent on phone said " card was closed ''. I need an explanation as to why they said card was approved and then subsequently closed on same day? This has adverse effects on my credit as now I already took the hard credit inquiry and now you will put an account on my credit report in bad standing/ only open for one day which will effect my credit score.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have a collection showing up on my credit report for an apartment I never lived at. Attached are the documents required to submit and process my claim. The bureaus have become increasingly difficult to deal with. I just want this nightmare to be over. I noticed the collection in XX/XX/2019. Not sure if its because of EFX data breach or not
Consumer complaint received 2022-02-08
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, XXXX and XXXX, from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2019-07-31
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. (FL)

I recently checked my credit report and i see that there are some hard inquiries ... I am in the process of trying to purchase a home so I am formerly requesting that all hard inquiries are removed from credit reporting agencies that are not linked to any open accounts including but not limited too XXXX, XXXX, TransUnion etc. I need these removed as soon as possible being that it is hindering me from what I need to get done. Also there are a lot of addresses that are being reported that I have no connection to I would like for those to be removed also Thank you.
Consumer complaint received 2019-07-31
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. (SC)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies Please remove inquiries done by these companies XXXX, XXXX, XXXX XXXX - this company did an authorized inquiries several times on different dates! XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX XXXX
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not reported. 

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

Please apply these laws to account : 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) 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 States A consumer reporting agency can not furnish an account without written instructions.

In addition, the following collections agencies have committed violations of the Alabama FDCPA Law. Alabama requires all debt collectors to be licensed in ALABAMA in order to collect a debt. 

XXXX XXXX XXXX Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail. Letters sent on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2022 I was held at gunpoint and was forced to give up items and information such as my credit card, my debit card, the pin to both, my wallet and also my phone. So of course for my safety I gave up those informations. I called bank of america because the very next day I see that those individuals used every single last dollar out my credit line so I disputed those transactions for the amount of {$440.00} and the claim was submitted XX/XX/2022. I asked for my card to be expedited because I had to go out of town that same week so I needed that card in my hands quick and not laying around anywhere. The day my card was supposed to come I noticed that it wasnt in my mailbox like it said it was on XXXX and I was quick to check my transactions once again and I noticed those same credits that I was reimbursed for was taken once again and I didnt have the card with me so I filed another dispute. Same thing I asked for the card to be expedited once again and same thing the day of the delivery it wasnt in my mailbox and once again checked my transactions and saw the credits was still being used once again. This happened 3 times and I reported it 3 times. This is most likely happening because my mailbox is out to the open and broken. 4th time I finally got my card in hand because I waited outside the whole day to see where is my card because I could not lose it again and I was trying to purchase a box of pizza for {$5.00} and it was being declined over and over so I went to check my account and saw all the credits that I was reimbursed for the 3rd fraud dispute was declined and taken right back. So now Im done to {$0.00} in credits and I spoke to a representative at Bank of America and was told theres basically nothing they can do if its been declined and I keep telling them all this purchases was not me and that I havent used my credit card since the first week of XXXX
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is all fraudulent and are not my accounts : XXXX   XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-04
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: eCon Credit LP (TX)

Nationwide XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 Closed late payments reported XX/XX/2019 XXXX XXXX XXXX 15 USC 1681a the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; I am a consumer as defined under 15 USC 1602 ( i ) The adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.