davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Contacted Navient requesting a Final Loan Disclosure or Regulation Z Disclosure Though email and phone with no response to request Request confirmation XXXX email Sunday XXXX no response XXXX phone- XXXX XXXX no information/response put in inbox with in 24 hours as stated by customer service XXXX email- XX/XX/XXXX - email request- no response XXXX XX/XX/XXXX - just requested information again.
Consumer complaint received 2018-08-05
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. (TX)

When I received my credit report from Experian at the end of XX/XX/2018 I noticed accounts that were not mine, reported incorrectly, addresses that were not mine and inquires I never requested. I wrote a letter had it notarized and sent it to Experian via certified mail on XX/XX/2018. On their response dated XX/XX/2018 they claimed that everything had been verified but as I started reading the second page I noticed that they are mixing my credit information with someone called XXXX XXXX XXXX. They even included his wife in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian is breaking the law and have made a mess of my life by having false, unverified information on my credit report which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (LA)

I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX   account. Rausch Sturm said their client is XXXX XXXX and all payments should be given to rausch sturm. 

The account in question ending in XXXX was already disputed to XXXX. A dispute has been sent to Rausch sturm also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

XXXX and Rausch sturm both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on XXXX  and rausch sturm that it is a credit card. 

Due to these many issues XXXX  and rausch sturm need to cease collecting efforts as well as delete the trade line for collection on my credit report.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MI)

Just because I'm XXXX a slender in my name they being preference on at the end pertained to say that I use their account fraudulent when they gave me some money that they couldn't even explain how it got in my account they try to play me use me misguided me because I'm just able and I know always understand how a system can say that I got some money in my account if I don't have nothing in my account they try to use a room amount to say that I still have the mouth in my account I thought it was for the they are advantage to get back the money that they lost between the government and the people that sue them in the past history they are a bad Bank they need to be shut down and penalized for using their system against the person that set up account with them they doing bad business the new CEO XXXX & XXXX the inventors of the Bank trying to capitalize on this small investors that actually deposit make transactions and keep on making deposits they come up with errors in a system like they don't know they make false statements and summaries of past history it just don't add up at the end of the day and I got paperwork and alive witness that was with me to hear all the wrongful and unpertaining professionalism paperwork and a conversation with a branch manager seem like they just don't know what they talking about in the business terms of the bank information
Consumer complaint received 2018-08-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I feel Navient was negligent in processing the renewal of my repayment plan because despite my checking the box on the " Income-Driven Repayment Plan Request '' for " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in both XXXX and XXXX, they did not put me on the REPAYE. Instead they kept me on the IBR plan which I later discovered was about {$200.00} more per month. ( I would like to note that their form was very confusing though I felt marking that box would make my intent very clear ). Twice during these years I called to discuss my payments because I was having difficult making them and was steered toward making a request for a forebearance though neither time when I spoke with Navient did they advise me of a lower payment plan. Both my forebearances were approved. Finally in XXXX when I renewed my plan - and only because of an error on their part - I called to question the error and XXXX, a representative questioned why I was not on the lower payment plan ( REPAYE ) and helped me get on it. I have written the company with no adequate response to my complaint. I estimate I am owed from XX/XX/XXXX to XX/XX/XXXX for overpayments. Thank you.
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (TX)

I was contacted by SuperlativeRM about Money I owe. They claim it is related to my visit to XXXXXXXX XXXX XXXX I have fully settled the debt with XXXX XXXX XXXX  already. I do not owe any money on this XXXX  visit, which was in 2018. XXXX XXXX has gone bankrupt since my XXXX visit and there is no information provided on what I owe.
Consumer complaint received 2018-08-05
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. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.
Consumer complaint received 2023-01-30
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. (TX)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 USC 1681.

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.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received emails stating that an account had been opened at Bank of America in my name. I never opened said account. Received emails XX/XX/XXXX around XXXX, but was not home to see them until XX/XX/XXXX around XXXX. Bank of America does not provide twenty four hour services and thus I am stuck without an opportunity to address the issues.
Consumer complaint received 2020-07-31
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. (AL)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}
Consumer complaint received 2020-07-31
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. (ND)

XXXX ; XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXXR partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$230.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Spoke with XXXX XXXX in regards to payment - payment is on autopayment however account glitched per rep and no payment was made. In the event spoke with representative payment and late payment was removed per XXXX XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (VA)

To date I have sent XXXX letters by certified mail to Navient requesting validation of the alleged debt pursuant to the FDCA and FCRA so that I may settle the matter in full. XXXX letters also requested that Navient cease and desist all communication unless by mail, and a point by point response to my validation letter as required by law. To date Navient has chosen to ignore both letters, and continues to harrass the alleged cosigner and myself with an average of XXXX automated and/or hand dailed calls. Navient seems to need some assistance in understanding TITLE XXXX & gt ; CHAPTER XXXX & gt ; SUBCHAPTER XXXX & gt ; XXXX
Consumer complaint received 2021-11-19
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I noticed different accounts on my credit report that I have no knowledge of. I requested the accounts be verified to no avail. 
There are 12 inquiries from different banks in which I never consented. 
XXXX, XXXX  and Experian has been reporting these accounts without verifying them. 
XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX  {$580.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.
Consumer complaint received 2018-08-05
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I submitted to Equifax a request for an investigation of an improperly reported lateness on their report Confirmation # XXXX for account XXXX from XXXX XXXX XXXX who is my mortgage servicer. 

As I stated on my letter to Equifax, an incorrect 90 days late for XX/XX/XXXX was being reported. 

At that time I was under Chapter XXXX Bankruptcy protection and legally under reorganization ; Case # XXXX United States Bankruptcy Court XXXX XXXX of California XXXX XXXX filed on XX/XX/XXXX. Because of it no credit reporting was proper or required. The bankruptcy case was successfully completed and discharged XX/XX/XXXX. 

On XX/XX/XXXX when the alleged lateness occurred that being was reported I was in fact under an active bankruptcy chapter XXXX plan. 

Equifax not only did not care to investigate the facts after my written request but Equifax now arbitrarily and very damagingly reports on their new report Confirmation # XXXX a brand new bankruptcy case filed on XX/XX/XXXX. Never mind the Case # is the same of the XXXX case. It also reports a wrong court address. Finally it reports my mortgage under Wage Earner Plan when in fact it is not but it is current and being paid as agreed. 

All these new reportings are negligent and irresponsible and as such very damaging to my credit and reputation that I have fought diligently to repair since the economic downturn of XXXX ; witness the successful completion of the Chapter XXXX reorganization and an excellent paying record, to have now the credit reporting agency so carelessly and abusively dismiss.
Consumer complaint received 2021-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

This is a debt that was notified to me last week thru XXXX XXXX, And it is regarding a medical bill of a lab work I had done last XX/XX/2020. This lab work was part of a FREE XXXX XXXX XXXX I am taking. It is sponsored by XXXX XXXX XXXX anr has always been free. The way it works is every three months I go to the clinic of XXXX XXXX XXXX, they do the lab work and my insurance covers only the treatment because the Doctors visit and the lab work is free, apparently covered by XXXX XXXX XXXX. 
So in this case XXXX XXXX didn't pay for the lab work, processed at XXXX XXXX XXXX and this last company after sending the bill for the past 12 months to the Doctors office sent the bill to collection. 
Because the were sending the bill to the Doctors office I never knew about all this till XXXX XXXX notified me. 
The debt is {$460.00} dollars. I contacted all this people and they said its not my responsibility but the negative report is still there and i am being hired by a major bank at the moment, which wont hire me if I have any credit issue.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Since Navient took over XXXX XXXX, I 've had MANY calls that would resolve with certain things being in place, only to find out later that week, month, or following weeks later, that the information I was given was not correct ( learned through yet another call ) and then I 'd have to pay back fee 's to get 'caught back up ' and then I can be helped. That cycle would repeat itself, for various duration 's depending on the previous outcome. Example, I wait a month or two to get a collection of money and pay all back up again. I got the last resolution to be the most stable. I paid off one loan in lump sum ( ouch ), got a flat rate reduced payment plan for 15 months, so long as I never pay late or incomplete. So I had to get into an auto-pay program. Things are ok now, but getting the run around for years and paying up front costs to get into different programs would only be 'good ' until the website said I owed hundreds more dollars that month.