davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My loan servicer is Navient. After my teacher loan forgiveness application was denied, I was told that I would qualify for the Public Service loan forgiveness program and that I would need to make 120 payments for 10 years and that I would need to apply after I have made these payments. I was not informed of any additional steps or actions that I needed to complete in order to qualify for this. I have been enrolled in the income based repayment plan for the last 8 years and I just found out that I should've been completing the employment certification for Public Service loan forgiveness every 12 months. Navient never informed me of this and now after I have been paying my loans back for the past 8 years, under the impression that I only had 2 more years left and that in 2 years I would be eligible to pay but this is not the case. The payments that I have had to pay do not count towards PSLF because I never filled out the certification which Navient failed to inform me of.
Consumer complaint received 2018-05-24
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. (IL)

I monitor my credit to prevent fraud. From XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XXXX XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

Please note on XX/XX/2019 PMAB LLC received my first request to validate and verify accounts which they have reflected on my credit. They responded on XX/XX/2019 with just an itemization which was not what I requested. I sent a second notice on XX/XX/2019 requesting validation/ original contract with my signature. The same response as the first request was sent dating XX/XX/2019. Again this is all itemization with no validation that this debt belong to me as there are no signed or original documents. 

I am requesting since PMAB LLC has not been able to verify/validate any of the debts they are reporting to me for almost 60 days that they Stop reporting immediately to the credit bureaus as this is having a negative impact on my score. 

I am also copying the credit bureaus on this and requesting they immediately remove these accounts from my report as it is clear there are no validation documents.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MT)

I graduated from XXXX  XXXX in XXXX. XXXX of my XXXX student loans was assigned to Navient, and the rest to a different organization. I attended graduate school at the XXXX XXXX XXXX  from XXXX to XXXX. Apparently, in XXXX of XXXX Navient attempted to start collecting on my XXXX student loan. However, they never informed us of such. The only method Navient used to attempt to reach me was, according to them, through my XXXX  XXXX email that I have not used since XXXX. In fact I do not believe I even have access to that email anymore. Navient did not send any bills to my permanent address, which has been my permanent address since XXXX, nor did they use any other method to reach us. In XX/XX/XXXX I attempted to refinance my student loans with XXXX. I've had good credit my entire life. My loan was denied. The reason for my loan was because apparently Navient put a massive hit out on my credit when we had no notification of bills being due. We moved quickly to address this, challenging the hit on my credit with all 3 reporting agencies. However, it is now the end of XX/XX/XXXX and I was just denied refinancing again because of Navient. Navient has updated the report to indicate that we have paid back what is owed and up to date on payments, but they are refusing to remove the hit on my credit report with XXXX  stemming from 4 months of bills that we never received XX/XX/XXXX through XX/XX/XXXX. When I spoke with XXXX  for an hour on the phone they opened another challenge to this hit on my credit, but indicated that the only factors they will consider are whether or not the payments were late, which they were which leaves the decision to remove the damage to my credit entirely up to Navient which has thus far refused to undo the damage they caused, or to file a fraud report with the police or the FTC.
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ReliaMax Holding Company (FL)

Unable to make payments, auto withdrawals stopped but the company continues harassing phone calls several times a day during non-business hours and weekends, and makes numerous calls to place of employment under various untraceable ids.
Consumer complaint received 2019-07-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

I received a moratorium for about 5-6 months from nelnet. But im still struggling to keep up with my financial problems. My student loan is making it unbearable to be happy in any circumstance.I Have an empty refrigerator for the last 6 months.. Btw my Associates degree that i majored in is not being utilized.Never had been! Please help in any way you can, so i can take a little breather, and go grocery shopping or let me purchase new underwear and socks, that's needed.
Consumer complaint received 2019-10-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Nu World Title, LLC (FL)

NU World Title of XXXX XXXX LLC ( XXXX ) XXXX financed my house about 4 years ago. The XXXX XXXX XXXX still have the previous owner name and they say there is missing documents and requirements that never were delivered by NU World Title company. Not only this is an inconvenience that it was financially covered during the purchased of my house, but I replaced the entire roof and now I can not get the final XXXX approval because the house is not on my name on the XXXX. Also, I am a veteran, XXXX, and I can not get my property tax discounts because the house is not on my name. I am concern now if I will sell the house that I will have also issues with that. After several months requesting support, they still delaying the process with no details of what is happening nor a resolution date. I am afraid there could be some illegal issues here around this process. Plus I believe VA loans have some requirements that I believe are not met due to this issue. I really need your help to solve this problem. 

Thanks XXXX
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2023-01-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$200.00}
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

Subject : Complaint Against Jefferson Capital Systems for Improper Debt Reporting and Lack of Notification To Whom It May Concern, I am writing to submit a formal complaint against Jefferson Capital Systems ( hereinafter referred to as " Jefferson '' ) regarding their actions that have resulted in significant harm to my credit score and financial standing. 

I have recently discovered on XX/XX/year> that Jefferson has placed a debt on my credit report for {$1700.00} that had been previously removed. This unexpected action has led to a drastic decrease in my credit score by XXXX points. To make matters worse, I have received absolutely no communication from Jefferson about this debt being added to my report ; no letter, email, or phone call was made to inform me of this significant change. 

As a direct consequence of Jefferson 's reporting, my XXXX XXXX limit was abruptly reduced from {$8000.00} to {$650.00}, which has further damaged my credit score and undermined my financial stability. This reduction in credit limit without prior notice or justification is a severe blow to my financial planning and creditworthiness. 

The lack of notification from Jefferson Capital Systems about the addition of this debt is not only distressing but also appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The FDCPA requires that a debt collector must send a written notice with information about the debt within five days after the first initial communication. Since I have not received any such communication, it is clear that Jefferson has not adhered to these legal requirements. 

Furthermore, I believe that the reinsertion of a previously removed debt raises questions about the validity and verification of the debt itself, which is a right protected under the FCRA. Without proper notification and validation of this debt, I am left unable to exercise my rights to dispute or manage this debt. I have spoken with my attorney who is happy to start a lawsuit with the company if the matter isnt solved. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I bought a refrigerator from XXXX XXXX since XXXX- XXXX or XXXX. 
I was paying monthly the minimum due as marketed and advised. 
I was just told it was on a 6 month promotion and I cant even remember. But if it was on a promotion or trial. They needed to notify me that the promotion was ending or ended but they did not notify me but rather they started charging $ 25 monthly as a finance charge since XX/XX/XXXX. 
I pay around $ 39 monthly for the payment and I never knew I was paying interest on top but I just discovered that my balance was not reducing and was worried. I called them and they said the promotion ended which I was not notified .i need all the finance interest charges reversed.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX  XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 2019
Consumer complaint received 2019-01-31
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: EQUIFAX, INC. (NC)

I filed a dispute with XXXX on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX  XXXX/XXXX XXXX  which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my Equifax credit report and I disputed it there, as well. I received the same notification on my Equifax report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my Equifax and XXXX  credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX  will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim on a fraudulent charge with XXXX and they deemed it not fraud. It most certainly is fraud. XXXX has scammers on their site selling listings that are not real. I showed up to check in and it was not the purchased unit. I complained to XXXX and they did not care so I turned to my bank to help me with this. They reversed the charge and now Chase is fraudulent in reversing the charge on a fraudulent transition. Neither company did their due diligence.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX  transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX is/was no longer my service provider and has reported my account being 120 days late!
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605
Consumer complaint received 2021-06-11
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. (FL)

I disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

For a few years now JEFFERSON CAPITAL SYSTEM has been trying to collect a debt of {$2000.00} that I'm not aware of, which has affected my credit score immensely. As I have explained to them quite a few times, the debt does not belong to me, and have no knowledge about any transaction nor how my information got to the above-mentioned company. I want CFPB to address this issue and tell them to stop the harassment and take this information off my credit. I do not know what else to do as I have tried to resolve this issue with them.
Consumer complaint received 2019-07-29
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: DISCOVER BANK (NY)

I filed a dispute with discover for a timeshare charge I signed the contract on XX/XX/2019 and sent a letter to rescind on XX/XX/2019 due to financial hardship. I sent the two certified letter one on XX/XX/XXXX, and XXXX requesting to rescind. Discovery credit my account and reversed the charges to the company. I was informed that the company sent in documentation that I signed the contract. This was not my dispute. My disputes is that I tried to contact the timeshare company to rescind and they didn't responded to me until they received the dispute. Discover informed on the contract it stated that I can not cancel unless a breach from one party. However I received a email from the time share company stating the following '' We have received notification stating you have filed a dispute with your credit card company in regards to the charges made by the Club. Per our internal policies, once a dispute of the charges has been made, we are compelled to wait until the members financial institution completes its investigation and we receive the outcome of this process to further discuss the submitted cancelation request. 
The Club does comply with the decision made, whether it implies that the banking institution reinstates the funds to the member or not. In the event that the resolution is in favor of the member, the contract signed becomes null and void ; otherwise, we will resume communication with you to discuss a resolution according the outcome of the dispute process. I called Discovery to dispute this decision and was informed that I couldn't. I tried again to contact the timeshare company and again no response. I can not afford this and the high pressure sale tactic during this presentation was misrepresent. If they can not cancel why was it mention in the email if the credit cards refuses to pay they will cancel the contract.
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I have sent {$360.00} to a PayPal user : XXXX which now has this email on PayPal : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me. 

I need from PayPal to reverse the transaction : XXXX back ( which is on my PayPal account ) and get my full refund of {$360.00} since I didn't get what I paid for and this person which I sent my money doesn't refund me. I want an escalation : https : //www.paypal.com/resolutioncenter/escalate/7GK887276F337733F/PP-005-013-132-474 in order to get a refund Best regards, XXXX XXXX