davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX XXXXe Account # XXXX, XXXX XXXX XXXXk Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, NXXXX XXXXt XXXX XXXX Account # XXXX, XXXXe Account XXXX XXXX XXXX XXXX OF XXXX Card Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXt # XXXX, has violated my 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-13
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: NAVY FEDERAL CREDIT UNION (NJ)

XXXX XXXXXX/XX/2022 {$270.00}, XXXX XXXX XXXXXX/XX/2022 {$4700.00} Navy Federal credit union XX/XX/2022 {$26000.00}
Consumer complaint received 2022-03-13
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. (MO)

On XX/XX/22 I sent TranUnion a letter disputing the validity of the bankruptcy. They responded with a letter that it was verified through a third party. 

I informed TransUnion that this bankruptcy has already been deleted from XXXX. I also asked them to provide proof of there investigation. Specifically I asked TransUnion to reveal the method of verification or delete this according to FCRA. They have refused to delete this item and they have refused to respond with verification methods.There actions are impeding my ability to option credit and have costed thousands more in interest. 

The item needs to be deleted from my credit report if it can not be verified with the original creditor within 30 days.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The school  that I attended has been out of business for several years. I owe so many student loans and the school promised I would get a job and they are credible but misrepresented their school on many instances. I am unable to further my education or transfer credits for this school nobody sees them as credible.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (OH)

I have a a unverified account from NEW YORK STATE HIGHER EDUCATION SERVICES CORP. I had previously disputed this account. I have never done business with. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that NEW YORK STATE HIGHER EDUCATION SERVICES CORP # 3101 Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NEW YORK STATE HIGHER EDUCATION SERVICES CORP. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Forster & Garbus LLP (NY)

I got paperwork that I lost a lawsuit against a Forster and Garbus but was never served, never given notice of the lawsuit and now they are claiming I filed a fraud claim that I never did.
Consumer complaint received 2022-03-13
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. (IL)

I called Equifax Information Services, XXXX about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 9 letters to Equifax Information Services, XXXX at XXXX XXXX XXXX XXXX, GA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX XXXX 2 . XX/XX/XXXX, XXXX XXXX XXXX BANK 3 . XX/XX/XXXX, XXXX XXXX XXXX XXXX 4. XX/XX/XXXX, XXXX XXXXXXXX 5. XX/XX/XXXX, XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX BANK 8 . XX/XX/XXXX, XXXX XXXX XXXX BANK 9 . XX/XX/XXXX, XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.
Consumer complaint received 2018-10-30
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. (GA)

I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.
Consumer complaint received 2022-03-01
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. (IA)

XXXX XXXX  is reporting a charged off account that they sold to a Collections Agency still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item several since XXXX 2021 stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly! I have also sent 609 letters to both Equifax and XXXX asking for signed documents or original contracts with my signature on them for the account they are reporting incorrectly.
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The original balance on this account ( XXXX ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXX which then became XXXX XXXX. I continued to pay on the account ; however I never received an actual statement from XXXX  listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from XXXX was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XXXX, XXXX which I did. XXXX then sold the account with a balance of {$640.00} to Portfolio Recovery Associates. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found https : //www.consumeraffairs.com/finance/portfolio-recovery-associates-llc.html They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. Portfolio Recovery Associates also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.
Consumer complaint received 2017-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

OnXX/XX/XXXX, I faxed a re-application to Navient to maintain an Income Contingent Repayment plan for my two Department of Education Consolidated Parent Plus Loans. These loans are approximately {$250000.00} at an 8.5 % interest rate. I had been notified by Navient by U.S. mail that the deadline to re-apply for ICR wasXX/XX/XXXX. My communications with Navient are by U.S mail only, by my request, not by email messages. Today, XX/XX/XXXX, I contacted Navient by telephone because I noticed on Navient 's website, where I pay my loan payments each month, that my ICR payment had risen from {$780.00} to {$820.00} although my income verified by my XX/XX/XXXXfederal income tax return had decreased by {$2000.00}. Navient informed me in that telephone call that my re-application was defective and Navient had notified me by email onXX/XX/XXXX that my application had been denied. When I informed Navient that I had signed up for paper communications only, I was told I had signed up for email notifications and that the new amount was in place because my application was defective. Navient then offered to place my account in forebearance while I straightened out my application. I declined a forebearance because I did not want interest to accrue while I put an ICR in place. My complaint is that Navient did not inform me by U.S mail that my ICR re-application was defective, increased my payment amount without notice, and lied to me by stating I had agreed to accept email messages as notices of my repayment plan status. While this increase may be small, my income is extremely tight -- I struggle each month to pay for both health care and for student loan payments. I am a XXXX year old single woman who lives on XXXX XXXX and XXXX when I can get work. The Navient customer service representatives I first spoke to were not pleasant and I was hung up on 3 times before I was able to find a rep who assured me she had taken steps so that I will receive paper notifications for my account.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CHARLES SCHWAB CORPORATION, THE (VA)

I have had a Charles Schwab account for a while and due to my husband 's unemployment, we have had overdrafts - I don't mind paying when there is a legitimate overdraft. However, Charles Schwab routinely holds my deposits and will not release the funds - even well after the funds have been substantiated - and continually charges me overdraft fees. This month alone I have been charged {$150.00} mainly because they will not release the check funds. This is very unfair and one of the checks is written from my very own account so I know that the money has cleared the bank.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC (NJ)

Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Solution Providers LLC (OH)

Financial Solution Providers responded to my 1st Complaint by saying they removed my file from their calling record but Ive received two calls afterwards and one where I have the voicemail still. 

Previously as well FSP contacted my place of Employment and disclosed everything I allegedly said to a Representative on the phone prior ( whom Id asked multiple times before to quit calling me & my place of Employment ) Im aware the State of Florida is beyond lenient on holding Telemarkters/Debit Collecters accountable for their actions and its very unfortunate. 


A Representative misrepresented himself by pretending to be someone else with a different name. Id like to know how thats acceptable? 

Another Representative misrepresented themselves as a XXXX Sherriifs Deputy to me. Id like to know how thats acceptable behavior? 

This Business Commits Many FDCPA Violations.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

I previously stated a compliant, But in my investigagting I realize that this is more the inaccuracy clerical error of Experian. Experian is reporting XXXX/XXXX XXXX XXXX  as OPEN DELIQUENT. XXXX ( closed it XX/XX/2016 ) and XXXX ( closed it XXXX.16 ) are reporting correctly that it is Closed- Sold, Transferred. Because of this inaccuracy my credit score is very low. My bank tells me if I would have good  credit otherwise. I called XXXX XXXX to make sure that I did not have a loan left unattended, but they do no have record of any open accounts with them no do the 8 other phone numbers they referred me to to see if I had an open student loan in default per XXXX or XXXX XXXX XXXX. All of my loans are now serviced through XXXX. I would like Experian to correct this as soon as possible so I can have the credit score that I am worthy of. To be noted- this loan is double reported. This is the same loan as reported XXXX- which is paid.
Consumer complaint received 2023-03-19
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX And the following inquiries : 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 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. With that being said, why hasn't Transunion and XXXX Credit Reporting Agencies removed the accounts that are inaccurate. I have filed previously before with no resolution. This inaccurate reporting is causing issues with my livelyhood.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian is charging my card. They shouldn't be. I never asked them to charge me. I never asked them for help in any way. 

2 years ago they were hacked and offered " free '' services to make up for their mistake. Now I guess they feel they can just charge me for services I never wanted. 

I have tried to contact Experian. I have tried to contact XXXX. I have tried to contact XXXX - all of which are Experian companies to my knowledge. None of which I have EVER asked to charge me for their services. 

I have disputed the charges on my card and will be cancelling my card and renewing the number. This is outrageous I have to cancel my card because they find it okay to suddenly start charging me for a service they offered for free because they let me information be stolen.
Consumer complaint received 2022-03-13
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. (FL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NC)

Over the course of three {$5000.00} transactions, totaling {$15000.00} to Binance.us for the purpose of transferring the USD to XXXX and to transfer it off the Binance.us exchange. After purchasing the XXXX and trying to move the money off the exchange, I was told a 10 day hold would be be necessary first for safety reasons. After sixteen ( 16 ) calendar days of waiting, I decided to sell the XXXX and move my USD back off Binance.us and into my XXXX XXXX XXXXXXXX account ; the same account the money came in through and that had been linked to my Binance.us account the whole time. My Binance.us account was also verified for the whole time. I had previously sent them a copy of my driver 's license and all relevant documentation to be fully verified, specifically to avoid any problems like this one. After selling the XXXX and attempting to move it back to my XXXX account, I was notified by a message on their website that my account had been disabled as a " risk control ''. After multiple days and multiple e-mails to Binance.us, I finally received a response from them that I would have to agains send a photo of my state issued driver 's license and a photo of myself holding a sign requesting my Binance.us account to be reinstated. I did that promptly and still have not had my account reinstated so I can withdrawal my funds back to my bank account. This entire process started on XX/XX/XXXX and is very quickly approaching a full thirty one ( 31 ) days I have no been able to move my money off Binance.us in any manner. My account is fully protected including 2FA and despite Binance.us claiming there has been suspicious activity on my account, I have never received an SMS on my phone about attempted transfers or anything of the like except when I myself was trying to do so. I have never used a VPN or anything that should appear to them as suspicious activity and it is my opinion that their claims of suspicious activity are either them dragging their feet yet again or potentially something malicious. I have contacted the SEC about the issue as well and will be contacting the SEC as well.
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (CA)

This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to Phillips & Cohen Assoc. Ltd without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A formal complaint was filed with CFPB ( XXXX ) on this same alleged debt.
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (CA)

Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple family members, and has now put my job at risk by contacting my employer on XX/XX/18. They are sharing my personal business with my family, and now are jeopardizing my job.