davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
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: Navient Solutions, LLC. (IA)

After reading the article about Navient lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on theXX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points.  XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of {$10.00} but I pay {$20.00} and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and Navient has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point Navient has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up screwing them for do the right thing.
Consumer complaint received 2023-03-24
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXX Account number : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

To Whom It May Concern : I am formally submitting my complaints to Navient about my Plus loan service. 
The following is my account history. 

1. There were four Plus loans in four years, starting in the year XX/XX/XXXX to the yearXX/XX/XXXX. 
2. Starting from the year XX/XX/XXXX, I consolidated the loans every year. So there were 3 consolidation. It became a big loan after 4 years because the consolidations. 
3. I started paying back the loan in the year XX/XX/XXXX, even during the years of loan consolidation. 
4. After XX/XX/XXXX, I had forbearance for the next three years. 
5. I started paying the loan after the forbearance until recently when I started to audit this loan account and put this account in dispute. 
The big issue I have is after paying the loan for 16 years, not including the forbearance period, I currently still owe more money than all the money I borrowed. This caused me to put my attention to the details of this account. I requested Navient to provide me with all the original loan and consolidation documents, complete payment history, and the answers to the following questions : 1. I believed I started to submit my payments in the year XX/XX/XXXX. However, I did not see any payment record before the year XX/XX/XXXX. Could you please provide those missing records? 
2. When I first applied the Plus loan, I was told the complete payback time was 10 years. I did not see anything like that mentioned on the promissory notes. 
Could you point out on the notes that stated otherwise? How was my Plus loan scheduled for repayment? 
3. I submitted the payment every month for 16 years. For each payment, what was the percentage allocated to principle and what was the percentage allocated to interest? Where were these percentage specified on the note details? 
4. Navient stated this loan was a simple interest loan that was compound daily. Could you please point out where on the notes I signed indicated this type of interest compounding method? 
5. I also requested a copy of each promissory note that is COMPLETE and CLEAR so I can read the details of the promissory note. However, they were not provided. 

After more than three months, Navient still has not provided answers to any of the above questions I asked. My investigation and audit of my Plus loan account could not continue. 
This is the reason I submit my complaints to you and sincerely hope you can step in to help my investigation and audit of the account. 

Another thing I noticed interesting is that, during the three-year period of forbearance, no one told me I could pay back the loan using something like income-based payment plan. 
In those three years, my spouse still worked. I could have benefited from this type of payment plan.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (TX)

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).
Consumer complaint received 2018-08-27
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: ALLY FINANCIAL INC. (TN)

Ally Financial did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Student Loan Advocates (DE)

SCAMMED by Student Loan COMPANY. American Student Loan Company reached out to me several times via phone in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, The phone calls from XXXX were pretty convincing. 

She also spent the next 4 months convincing both my husband and I that ALL of my loans would be forgiven, but I had to ACT NOW. Every time we called or she called she said she had my case right there and could see my information. They ALL will be forgiven ( her words not mine ). She said we must act now before the Obama Administration ended for our case to be heard. When the new administration would end, I would be grandfathered in. She said you worked with a team of lawyers that would fight for my case. She convinced us not to pay on my current loans but to make monthly payments to their company to take on my case. Due to the fact she said she had my information in front of her, I assumed she was a legal assistant or aid. She made me feel like they were adamant about fighting my case. 

A year went by and still no contact. Not from American Student Loan Advocated or a lawyer. No conformation anything was done, accomplished, sent, more information needed, nothing. When I contacted the company a year later to see what was going on, they said my case was closed 2 years ago, which means my money was just taken., I was flat out lied to from someone who I believed had a legal background who was giving financial and legal advice. No lawyers were ever represented. The company took my money and submitted an email on my behalf, all which I could of done for free.

Dates : XXXX XXXX-XXXX XXXX : American Student Loan Company contacted me via phone. XXXX spoke to me over a 3 month period. 
XX/XX/XXXX : First payment was given to the company in exchange that I stop making payments on y current student loans. 
XX/XX/XXXX XX/XX/XXXX : 7 payments of {$100.00} were taken XX/XX/XXXX to XX/XX/XXXX : No contact from the company or lawyers like expected XX/XX/XXXX XX/XX/XXXX : Emails between XXXX XXXX XXXX. Offered a partial refund and to re-consolidate my loans XXXX XXXX XX/XX/XXXX : Nothing has been done or settled
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I submitted a claim to claims department due to a charge of $XXXX being charged to my account that wasn’t authorized by me. The merchant refunded the money back after claims department did temporary credit as well as an over draft free of $XXXX. A month later even with the merchant refunded the money Bank of America took the money back even tho the money from the merchant was never added back into my account. So now they have not given me $XXXX and the $XXXX that was supposed to be taken out of my account. They never sent me any paperwork so when they took it back i went to back and finish paperwork for the claim to get the money back and no one is giving any answers.
Consumer complaint received 2022-07-19
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: ERC (TX)

I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX  and 2 Enhanced Recovery accounts. These accounts were not authorized by me and are fraudulent.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AL)

XXXX transferred over my in house card with them to a Commenity Credit Card without my knowledge. Almost 3 years later there was fraud on this card with purchases in XXXX. I contacted Commenity and they assured me they would take care of it. I have had countless calls trying to collect the debt. I have asked them to transfer me to their fraud department and when I get someone they tell me they will put me on hold and then hang up on me
Consumer complaint received 2023-07-28
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. (CA)

I am not liable for this dept with ( XXXX XXXX XXXX, or XXXX XXXX XXXX ), XX/XX/2021 Lp, I don't have a contract with XXXX XXXXXXXX service, they did not provide me with the original contract as requested
Consumer complaint received 2023-03-25
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. (VA)

Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.
Consumer complaint received 2023-03-20
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. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XX/XX/XXXX XX/XX/XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-20
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 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 or 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 2023-03-20
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. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I applied for a bank account with Citibank. After I verified my identity by answering various questions, it said it was unable to open an account but provided no reason. I do not owe the bank nor am I in XXXX or XXXX XXXX.
Consumer complaint received 2023-03-21
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. (VA)

I disputed the following information below contained in the attached files with XXXX, EQUIFAX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. EQUIFAX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (GA)

There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - ExperianXXXX  - ExperianXXXX - XXXX and ExperianXXXX XXXX - Experian and XXXX XXXX  - XXXXThese accounts are a result of fraud.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a derogatory reporting on my XXXX XXXX account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND TRANS UNION REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT TRANSUNION REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM XXXX CFPB COMPLAINT NUMBER XXXX
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: First Technology Federal Credit Union (CO)

I have contacted this company for the past year starting last XX/XX/2018. I have requested that they First Tech Federal Credit Union send me my monthly statement in the mail. I have visited their company office located at the location below to request my statements be sent in the mail to my home address below. The statements have never showed up and I am concerned with this company reversing my payment and misapplying it to try and mess up my credit. 

First Tech Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Card number XXXX American Express stole {$91.00} from my credit card. 

Amex has charged my card by {$91.00}. It shows in my transaction history as Fees and Adjustments. XXXX XXXX XXXX XXXX. 

I spoke to two Amex representatives who said they don't know what the charge is and also they cant see the charge in their system. 

I spoke to a customer service manager at Amex who said that he can see the charge but he has no clue why Amex charged my card. He also said that the system doesnt give him any description for the charge. 

The customer service manager put the call on hold and spoke with the fraud department of Amex and the fraud department told the manager that they have no idea why this charge was placed on my card. Its quite obvious that the fraud department of Amex would not have any clue especially when Amex themselves have stolen the money from the credit card. 

I asked the manager to dispute the charge to which the manager said that the system is not letting him dispute the charge. 

This is STEALING.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (NC)

XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND XXXX XXXX REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT XXXX REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. 

AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM