davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

i took out a career training loan in 2005 aprox {$26000.00}. i'v been paying on this loan since a total of over {$40000.00} and still owe round {$11000.00}. this loan is a variable rate and i called Navient to see if the interest rate could be converted to a fixed rate being that i have paid over {$40000.00} on this loan and they flat out told me no. Seriously, i have paid well over what was borrowed and they are not willing to work with me to try and get this loan at a fixed rate. i was not even asking for a loan forgiveness. i was told i would need to re-finance through another banking institution.
Consumer complaint received 2023-01-12
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. (TX)

I recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX ; Acct : XXXX XXXX XXXX ; Acct : XXXX
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (ME)

Like I stated before I was told to send not one but another letter. To state the other circumstances. That I had XXXX. Was on meds that affected my judgement and made me so weak I had to stop taking the meds. Had a neighbor that was taking care of my mail. Which I never was contacted or did I know I had to pay. Because I never saw a statement. I also told them to look at my history with them. I always paid my card when it was due. That and I was told if I did this my credit score would be corrected and my account would be put back in excellent standing. I have worked hard to keep my scores to where they are. If I would of been aware of this I wouldn't be making a complaint.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I contacted this company directly via certified mail on XX/XX/XXXX and asked them to remove claims of debt from my credit report because I have never done business with them, nor did I open an account with them on XX/XX/XXXX as they have listed on my credit report. They responded and stated that they would send me proof of the debt, it has been more than 30 days and I have not heard anything from this company and they are continuing to illegally report this debt as valid on my credit report.
Consumer complaint received 2022-10-06
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. (VA)

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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-10-06
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. (NV)

In accordance with the Fair credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date XXXX Account balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX XXXX number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (PA)

I was served papers that I was being sued by Credit Corp Solutions Inc. on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After Credit Corp Solutions Inc. attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing Credit Corp Solutions Inc, through XXXXXXXX XXXX XXXXXXXX ), she showed me that the debt was through Care-Credit, XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for Care-Credit, {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The Judge found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my Care-Credit Card was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either Credit Corp Solutions inc. or XXXXXXXX XXXX XXXXXXXX to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (NY)

CREDIT PLUS, INC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX  and XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CREDIT PLUS, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CREDIT PLUS, INC for review or collection.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is not accurately reporting my consumer information. I have provided proof of my identity and Equifax will not accurately reflect the information which is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I received a garnishment regarding an old collection debt that went into judgement in XX/XX/XXXX. The debt was turned into a judgement in XX/XX/XXXX with the law office, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, in XXXX, GA. It was cancelled onXX/XX/XXXX. The law firm XXXXXXXX XXXX XXXX, XXXX in XXXX, GA - XXXX, filed another judgement on XX/XX/XXXX. The debt went into collection in XX/XX/XXXX. I have not heard from this company for 11 years. The company that says I still owe them money is Capital One. It has been 17 years since this debt has gone into collection. When I spoke to their legal department, they were no help. They have began garnishing my wages as of today. I moved from XXXX  4 years ago. I now live in XXXX. I was not notified about them garnishing my wages until I received the letter from my company 's XXXX division. When I spoke to Capital One legal division, to XXXX XXXX - Supervisor - XXXX ext. XXXX. I told her that I moved to another state and that I have contacted my attorney. I told her the debt is 17 years old. She tried to make it seem as if the debt just occured within the last month. I am a single mother with XXXX children and I can't afford to have 25 % of my wages taken from me. I have included the documents for your review.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IA)

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These all go to house phone XXXX this is just sample over last approx two to three weeks going on. there are numerous to my cell phone also. Some how they have gotten my dads number XXXX harass him with calls and I do not talk to my dad.
Consumer complaint received 2019-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems keeps calling me ( over 10 times now ), leaving me voicemails stating this is an attempt to collect a debt, to call ( XXXX ) XXXX. 
I return the call every time and speak to a different agent. Every agent asks for my phone number which I provide the same one every time. They look it up then inform me they can't find my information in their system, sometimes questioning me if I'm providing the right number. I inform them I keep getting calls & they need to stop disrupting me at my job & residence. The issue is still not resolved.
Consumer complaint received 2019-11-12
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. (FL)

XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my Equifax and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I attended a for profit school known now, but when enrolled was not made aware. I attended XXXX College now closed since 2007. They were part of a Fraud, sued by many and lost the case. Now hundreds of students like myself are stuck with a debt and no valid degree. I went to a bankruptcy lawyer to try and file and they advised there were programs I am eligible to help. My degree is not valid anymore there is no record of XXXX College anymore, I need help for Navient to erase those loans. They refuse to try and help and instead insult me, harrass me, belittle me telling me I owe the money I should have known what I was doing. I was XXXX years old back then my mom knew little english. They knew we couldnt pay it. Please help
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2019, I called XXXX and requested a {$10000.00} transfer from my XXXX XXXX XXXX XXXX XXXX ( Barclays ). The person I was working with was XXXX, ID XXXX. I asked her to transfer the monies to my checking account in XXXX XXXX, giving her the routing & account number ... Upon completion of the telephonic transaction, I was given reference # XXXX as a confirmation. I was told by XXXX that the monies would be deposited in my bank account no more than 10-15 days. 
On XX/XX/2019, I checked my bank account & called the bank to find out that the transfer had never arrived to my account. I then called the XXXX XXXX XXXX XXXX ( Barclays ) was connected to someone named XXXX who worked in the Back Office. 
I explained the situation regarding the transfer. XXXX said that the money had been transferred to the same account I had given her but to a person named XXXX XXXX. 
Since I did not know an XXXX XXXX and wondered why it was not transferred to my bank account became extremely problematic. XXXX said that it was sent to the same account number, but to a different person. I asked her how this could happen and XXXX said that the person had made an error on the paper work & that it was not sent to my bank as requested. She said that she had never seen someone with the same account number. XXXX opened a case # XXXX and assured me that it would be resolved within a months time. 
Shortly after the last conversation, I received my XXXX XXXX XXXX statement that showed I owed {$10000.00}. The {$100.00} was a service fee. Payment for the {$100.00}. would be due by XX/XX/2019. I called the phone number of the customer service ( XXXX ) and spoke with 2 persons ( XXXX XXXX XXXX ). They were of no help, so I requested a manager who might be familiar with my case. I spoke with XXXX and she assured me that no payments would be necessary until the matter was resolved. My concern was never receiving the monies and how this would possibly affect my credit. XXXX did state that a letter would be forthcoming that would give an explanation that no monies would be required until the issue was resolved. 
A letter dated XX/XX/2019 from Barclays, XXXX XXXX XXXX, XXXX, DE XXXX stated that " a balance transfer in the amount of {$10000.00} to XXXX XXXX was posted to my account on XX/XX/2019 ''. It then mentioned that it would now take 60 days to complete the investigation. 
To my relief, on the back of my statement from XXXX XXXX ( Barclays ), it was written that I have 60 days after the error appear on my statement to notify them in writing. It said you may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (PA)

Consumer portfolio services is reporting inaccurate information theyre claiming this account was sold to XXXX XXXX. When it was not because The company XXXX  is not reporting on my credit report.Consumer portfolio services is still reporting on my credit reports and XXXX  services are not. This vehicle was supposedly repossessed in XXXX of XXXX and then supposedly sold in an auction. The Statute of limitations in Pennsylvania is 4 years for a contract. The debt was not validated. I sent a debt validation letter to the company on XX/XX/XXXX and received no response. I want this account deleted on all 3 credit Bureaus.
Consumer complaint received 2022-10-06
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. (CA)

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

Account name : XXXX XXXX Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I mailed a pay off for my loan on XX/XX/XXXX with Bank Of America ( B.A.C ). I checked my checking account on XX/XX/XXXX and the check had not cleared. I again checked my account on XX/XX/XXXX and the check had not cleared. I then called B.A.C. number on my loan statement and got the XXXX office. The lady there asked where I sent it, I told her whatever is on my statement. She stated that is XXXX office. I suggested she call them and she stated they are not allowed. She suggested I call back on the XX/XX/XXXX if had not cleared. On the XX/XX/XXXX I called back because it had not cleared and authorized her to withdraw it from my account. After she did, I asked her to let XXXX to know and she stated again ( this is a different lady then first time ) that they are not allowed to contact them. She stated that since it is paid off they will not process and will tear it up. On XX/XX/XXXX, I checked my bank account at XXXX XXXX, and was shocked that the check to B.A.C. had cleared. I immediately called B.A.C. and this time was connected to South Carolina and they said that they were not allowed to call XXXX and nothing they could do but would refund the money by sending a check on XX/XX/XXXX. I immediately went to XXXX XXXX, to have them to return the check and showed them I had paid B.A.C on XX/XX/XXXX by direct withdraw. The new accounts person said she couldn't do anything. I mentioned to her under Federal Reserve operating Letters they have 24 hours to return a check. She asked the Manager and he told her that XXXX XXXX is if posted they could not reverse it. My wife and I are both retired and this type of arrogance and lack of following the law is what I thought was your purpose.