davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2018 I submitted a bill payment using America Express Serve in the amount of XXXX. XX/XX/2018 it was to be delivered. All went well until, XXXX XXXX XXXX advised to send a money order or pay in cash. They sent/mailed the check back to me. I got it and on XX/XX/2018 I filed a dispute with AMEX serve. 36 reps later, 5 migraines, and I still do not have my {$120.00}. I checked with the payment processing center number on the check they wrote and they couldn't do much to help me but they did say the stop payment was completed on their end. I have to pay my loan with those funds and they are holding them. here is a breakdown of the timeline of me calling : XX/XX/2018 Transaction was made XX/XX/2018 was the date it would be delivered to the merchant XX/XX/2018 the original dispute was requested XX/XX/2018-was told next follow up will be the XXXX XXXX I was told that i would be followed up with the same day. An email was sent to the back office and they responded saying I will be notified when credit is made to the account XXXXanother follow up was sent to the back office and yet no reply XX/XX/2018 advised dispute in process and that i will be notified once an update/advised 10 business days and still no resolution XXXX this is still in process and customer will be notified when the credit is placed on their account still no resolution XXXX Management above back-office would be emailed, today technically is the 10th day. so story changed again still no resolution So what it boils down to is that the back-office still did not provide any response but that " This is still in progress '' and we will notify the customer when it is completed 36 calls were made with no resolution at all. 
I have also written their feedback site, along with tried attorneys and I am not getting any help. Can you guys give me some hope??
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2018 : Purchased Goods from XXXX XXXX XXXX, {$390.00} ( XXXX XXXX  ). 
XX/XX/2018 : Returned Goods to XXXX XXXX XXXX via XXXX XXXX, tracking numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Opened Dispute with Card Issuer ( Wells Fargo ) for the aforementioned transaction after my return has been processed/confirmed, but the refund has been denied. Dispute Opened for {$390.00} ( XXXX XXXX ). 
XX/XX/2018 : Verbally Notified by Card Issuer ( Wells Fargo ) that the aforementioned dispute has been closed due to an error on their end with the tracking information. Verbally Notified to open a second chargeback via XXXX since Wells Fargo could not fix their mistake. Contacted XXXX to open a second chargeback, provided tracking information. Claim Numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Verbally/In-Writing Notified by XXXX, Wells Fargo has closed the claim in my favor, contact Wells Fargo for a timeline of when my funds will be back into my account. Called Wells Fargo, had no trail of this decision from their end and hung up on me. Continued Calling, same negative response, after contradicting information from the other party. 
XX/XX/2018 : Called Wells Fargo, again. Unable to explain what happened, unable to come up with a solution, unable to inform me with alternative solutions to this occurrence, hung up again. Called XXXX, unable to assist as their hands were tied and the final step of the claim ( my funds being released ) were up to them.
Consumer complaint received 2018-07-10
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. (AR)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time ) requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the  following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   XXXX Account Number : XXXX XXXX XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-27
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I had automatic debit for my loan, yet I was charged monthly late fees. I also applied for loan forgiveness, and was told I would receive administrative forbearance ; however, the payments continued. It got worse, Navient deducted {$220.00} on XX/XX/19 and again on XX/XX/19, which hurtled me into a financial landslide. Finally, the discontinued autopsy, after I demanded it. I demanded they return my extra payment, and they to me it would have to be approved, which would take 2 weeks. Meanwhile, my stress level has increased, and I do not know how to stop their trickery.
Consumer complaint received 2017-03-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (IL)

I am trying to make a payment to US Bank. There is no way to reach them. Online does n't work ; they no longer answer their hone at the branch. They offer no way to make payment. If I mail it, it takes up to 10 or 11 days to get there. HELP!!!
Consumer complaint received 2022-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2022 I sent a letter to Experian about the inaccurate reporting on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Experian and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. and if the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30days. This inaccuracy that Experian is reporting to my account should be deleted promptly or I will file for litigation for the stress you have caused me.
Consumer complaint received 2024-05-28
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

I attended the XXXX XXXX XXXXXXXX XXXX  and took out federal and private loans to cover the tuition and expenses with the school. The school used deceptive practices as a means to obtain the loans. The school inflated job placement, used high pressure tactics, and said after attending the school that I would have a place in the job market given the degree and education provided. This school along with Navient 's predatory practices of not showing me other ways to get income-driven repayments put me on a path toward forbearance which has only benefited the private loan holders with massive interest. Over 20 years I have paid far more than what I took out and because of it I have never been able to save, have put off buying a house, having children, and put off medical procedures creating a spiral in my finances. I also do not have enough to retire as of now, and I am XXXX XXXX XXXX. 

I have tried to get all my loan information and there are three years missing from my records since XXXX XXXX transferred my loans to Navient. From there it has all gone completely downhill and my loan payments ( interest only ) amounts to a 35 % of my monthly earnings with no room to pay off most of the balance. 

I am aware of Navient 's School Misconduct Discharge Application, which they have not responded after I sent in a request to receive and apply towards the XXXX 

I am also part of the Federal Student Aid 's XXXX XXXX XXXX which is in conjunction with the XXXX XXXX  XXXX lawsuit against Navient. That application is still being processed even though I was notified of my federal loans being discharged because of the for-profit XXXX XXXX XXXX XXXX and their school misconduct charges, which include several lawsuits - federal and state. 


here are links to articles about this school : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (LA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX XXXX related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing XXXX related hardship. For purposes of this paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( XXXX ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( XXXX ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( XXXX ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their fraud department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. XXXX said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended you.
Consumer complaint received 2023-03-27
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXXXXXX 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 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 2022-06-20
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act, 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 and XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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 2018-11-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NY)

Current : XXXX Original : XXXX  Account number : XXXX Agency reference number:XXXX Balance : {$500.00} Someone in my roommates stolen my info opened a XXXX  account for a new XXXX, after I found out it he returned the phone to XXXX and apologized to me. 
BUT XXXX push me to a collection company and make them call me every day that asking me to pay them a early termination fees!
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XXXX did not send verification of debt after it was requested on XX/XX/16. The company has continued to attempt to contact even after debt verification was requested and no verification of debt was sent.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (MD)

My problem is with XXXX, they claim they verified a false debt. I am also filing a complaint against the collection agency ( Complete Credit Solution of XXXX TX ). I have no information about the loan at all from something called XXXX, I have no account number, documents or anything. The amount listed with XXXX  is {$1500.00}, but I have never received any documentation from anyone.
Consumer complaint received 2018-11-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (FL)

7 months ago i took out a title loan from XXXX  in XXXX XXXX florida. Then every thing was fine till i got sick they did not working with me or did any thing to help me in my situation. Now they keep on saying i owe XXXX dollars all the time i paid huge sums of money. they are ripping me off and i need them forgive this debt. i paid over 500 dollars and they keep on saying i still owe the XXXX dolalrs. they never gave me a slip on showing how much i own last time. they can care less i had 3 XXXX XXXX  and they will not help me what so ever. i even have a XXXX  XXXX  that they know and they keep on wanting medical records on that breaking hippa law. i don't make that much money i am on XXXX and they are taking advantage of me
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (NJ)

XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (VA)

I was a customer at XXXX XXXX for two years and I recently cancelled my account on XX/XX/XXXX of this year. Later in XX/XX/XXXX that same year, I talked to a representative that I wanted to cancel my account and she told me that I have to cancel it before the XX/XX/XXXX and I did exactly that. After 4 months, I was there and number contacted me saying I owe this amount to XXXX XXXX. The collection agencys name is XXXX. I then called XXXX XXXX and ask how come they said I owe them? And they told me because I had a prorated amount of {$44.00}. In this case, they then told me that they sent several notification about the bill to my my address which I found out that its was a wrong address. Now they want me to pay {$230.00} to the collection agency. I explain to them its not my fault because they had the wrong address but to no avail.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions (CA)

On XX/XX/XXXX a representative from JPL Recovery solutions contacted my employer regarding garnishment of my wages. However I had yet to receive a letter from JPL Recovery Solutions regarding this alleged debt.

On XX/XX/XXXX, I contacted JPL Recovery Solutions and requested a Validation letter regarding this debt so i could review it. When I spoke to the representative from JPL Recovery Solutions I specifically asked that my employer not be contacted since I can not receive phone calls. I was told the first call was for verification of income only. 

However I was informed by my employers payroll department that a XXXX XXXX from JPL Recovery Solutions had called them again this morning. 

It appears they have ignored my request regarding my employer.
Consumer complaint received 2018-11-27
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: EQUIFAX, INC. (NJ)

XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.