davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
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. (NY)

I have student loans from the years spanning XX/XX/XXXX-XX/XX/XXXX for XXXX and XXXX school. They are a combination ( roughly 50/50 ) of FFEL Stafford Subsidized and Unsubsidized loans.

All my loan information was accurate as I made payments and dealt with financial hardships to arrange for Forbearance and Deferments, while I was with my original loan provider, Sallie Mae. 

My load was sold to Navient in the year XXXX, and at this time, things took a confusing turn. My loan principle went from its original {$60000.00} to {$81000.00} what it seems was as a result of the transition plus further increases over first few years the loan was with Navient. The amount taken in by Navient is also far off from my original principle amount. I believe the additions to my principle were a result of interest capitalizations I was unaware of and uninformed of. After many attempts to get solid information from Navient, information that made sense based on my interest rates and also subsidization of my loans, I was unable to receive an answer that matched up to what I understood. The customer service reps seemed scripted and also uninformed and provided very very general information without any detailing of interest charges. 

My interest rate also went up 1 % and there is a notice of another consolidation in XXXX, but I have record and recollection of only one consolidation on my end, which was earlier, prior to XXXX school. Again, several things that did not match up took place when the loan was sold to Navient. 

As such, I believe I am a victim of what Navient is being taken to court over, and want to see if it is possible to get more robust information on what occurred when Navient took over the loan.
Consumer complaint received 2018-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

My problem I am trying to take off the PMI. I purchase my house on XX/XX/2011 for XXXX. Today the value of the house is XXXX. We paid almost 6 years and I resquested to the bank to remove the PMI they said only when my debit get XXXX I have to pay 4 years more.To get off the PMI even if the value of the house and together with monthly payment I make is more than the 20 % they don want remove the PMI.
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

We have been paying automatic payments on the loans for XXXX  XXXX College for our son for years and years and our debt never goes down. When we complain they say that yes it has gone down but in the last eight years of paying on time payments it has not gone down more than a couple of hundred dollars total, for all of the loans. They must be stealing from us. We will never get this paid off. We are not allowed to see how our payments are being applied. As in how much of our money is going to interest and how much to the actual loan. We are being robbed and they will never give us specific information. I think we should be able to see how much of our payments are actually going to the Lon and how much is just interest they are profiting off of.
Consumer complaint received 2018-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

On this day, XX/XX/2018, at XXXX, I received a voicemail, that sounded 'scattered, ' and almost unable to understand the message. But, they portrayed 'PayPal , ' of which I do not use, and told me that my account (? ) was not able to transfer monies. It was also said that it came from a 'suspicious ' location. It was also obvious that the voice was digitalized. Their ph # is XXXX. Please do what you can, as I will, to stop these annoying robo calls, asking about my personal life. 
Thank you.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ADP Inc. (CA)

Good afternoon, I have a collection with XXXX XXXX XXXX of amount : {$92000.00} There is a settlement for the amount of {$23000.00} for the next 4 months with our first payment on XX/XX/23. 

I spoke and emailed our account agent XXXX XXXX and explain to him that we are having financial difficulties and if we came make another arrangement that can fit our financial situation as this is our first arrangement plan and he simply didn't want to hear it and just said no and he will escalate to suing us, i ask to speak to a manager. I also spoke to a XXXX XXXX XXXX it was the same situation to the point of both of them yelling at me, not hearing my situation. Like I mention, I know we owe this debt we want to start paying it, but we are having a hardship to where is preventing to keep this settlement going. If you can please speak to them on my behalf to rearrange this settlement. I will be wiring the amount of {$23000.00} on XX/XX/23 because I don't want any legal issues as they kept threating me with. I just want to rearrange the payments that fits with my company. 

Thank you! 
XXXX XXXX
Consumer complaint received 2023-01-09
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. (CA)

I sent a letter on XX/XX/XXXX, to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fundo LLC (NC)

I borrowed {$1200.00} from this company but only received {$1000.00}. Ive paid back {$1400.00} as noted in the contract and now the company wants an additional {$5000.00}. Additionally the company went as far as writing a fraudulent check in my name and forged my signature in an attempt to withdraw more money. They have also file a XXXX against me and are still attempting to take more money after.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. Please remove the following INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (SC)

Bridge crest is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.
Consumer complaint received 2022-07-09
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: Resurgent Capital Services L.P. (FL)

N Accordance with the fair credit act XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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 2018-08-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TX)

XX/XX/15 Car Accident. Had Issues With Insurance Company. Contacted XXXX Filed A Complaint Insurance Took A Few Months Although Claim Was Paid. The Original Amount Wasn't Paid Due To GM FINANCIAL Repossession Of The Vehicle. However, I Kept In Contact With GM FINANCIAL Regarding The Situation. I WAS NOT NOTIFIED BY GM FINANCIAL THAT THEY HAD TAKEN POSSESSION OF THE VEHICLE. I Have Supporting Documents That The Claim Was Paid & The Only Reason GM FINANCIAL Did Not Receive The Original Amount Is Due To The Information That They Reported To The Insurance Company. Therefore, Claim Should Have Been Paid In Full Through Insurance & GAP. 

With That Being Said, GM FINANCIAL Brought On A Debt Which I DO NOT OWE. If The Insurance Company Rectified The Situation So Should GM FINANCIAL.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As I tried to pay for this card, the app was disable and was never able to get someone in customer service to elp.

I tried to call and was always on the phone for more than 20 minutes just to try to get a hold of anyone to explain that they had cancel the card and at the same time they deactivated the app so i just couldn't do any payments. 
this was going on for more than 3 months of me trying to get a hold of someone to activate the app so i could pay the card ; witch i was never able to. 
Finally i got someone on the phone to solve the problem and I was able to pay and close the account.
Consumer complaint received 2018-08-27
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (IN)

IC Systems in XXXX XXXX, MN has continued to call my business phone for 4 years. The company asks for a XXXX and I have repeatedly told them there is no XXXX here. Several time I tried to explain and the caller would hang or say my number will be removed. But it has not. My most recent call was today XX/XX/XXXX at XXXX. I spoke with manager XXXX XXXX. She claimed she will remove my number but I do not believe her. This is my business and IC System calling prevents my clients and potential clients from getting in contact with me. Its harassment and its causing my business to suffer.
Consumer complaint received 2022-07-25
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. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

ACCOUNT MANAGEMENT SER ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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: Experian Information Solutions Inc. (NC)

Under FCRA & FDCPA, Experian refuse to remove and delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),  creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I want to fully understand why two disputes that I won that were removed but I was negatively, causing me credit issues for home loan, etc..... 
I went from a XXXX to XXXX on XXXX XXXX, XXXX, and Transunion had no score before these two disputes then put me at a XXXX on their grand grading scale? 
I would like to know how are these credit agencies that are private corporations are able to obtain so much of our data, personal info, etc... what or who gave them this authority and I would like this FOIA request that they show what laws gives them the authority they have to discriminate against within this credit system that they have direct impact over the lives of so many people? There is no money and this system of credit I believe has been created by the same banking cartel that has stole from the people " full faith and credit ''? 
The entire system is fraudulent and this crooked system has profited in astronomical revenues that I can say that they are involved in fleecing from the Birth Certificate of Title Bonds that are the primary bonds that the Corporate United States Company had has used our signatures that are valuable has gold and they are creating lines of credit and not paying taxes on these Breaches of the Estate that are Trust Fraud.

IT IS ILLEGAL FOR THEM TO PUT ANYTHING ON MY REPORT WITHOUT MY EXPRESSED WRITTEN CONSTENT 15 USC-1681b ( 2 ) ...... THEY ALL HAVE VIOLATED FEDERAL LAW BUT ALSO 42 USC-1983 DEPRIVATION OF RIGHTS, IT IS ILLEGAL TO REPORT NEGATIVE ITEM. I HAVE BEEN DEFAMED AND ILLEGAL DEBT PRACTICE THAT THE CREDIT BUREAUS ARE VIOLATING CONSUMER PROTECTION ACT/FAIR CREDIT REPORTING ACT/15 USC-1681a ( e ) and are VIOLATING FAIR CREDIT REPORTING RULES... .. 15 USC 1692d this has harmed my reputation which is credit report. This is harassment or abuse ... ... ... ..they all have ignored my request and have no investigation into my request, My written consent has never been given to any of these credit bureaus this is Identity Theft 15 USC-1028a
Consumer complaint received 2022-03-10
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-26
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: Early Warning Services, LLC (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. 

Attached is documentation listing all accounts in question. 

Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. 

These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft. 

Early Warning Services has specifically continued to violate these rights, and I need a resolution immediately. 


As detailed in the FRCA, these entities are now required by law to remove these accounts and provide me an updated copy of my account reflecting the changes Im, again, which I am entitled to per the directions provided by the FRCA, demanding to be implemented. All of the above accounts referenced need to be removed, as I am not liable for these debts that were unlawfully added to my credit report because of a severe case of identity theft Ive informed these companies of ON MULTIPLE OCCASIONS. Non-compliance will force me to forward this poor line of communication and blatant disrespect for my rights as a consumer, to the Attorney Generals office ; which will also include cases with the FTC and XXXX being submitted as well. Cooperation during this matter is required.
Consumer complaint received 2023-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (RI)

Since XXXX my loan with Navient was supposed to be for a fixed rate of 2 % and a fixed monthly payment. This was after a long struggle with how my payments were at interest only and they listened to past phone calls and determine I never agreed to that. They couldnt reimburse me so that was how it was handled. I noticed recently my payments increasing and realized its back to a variable interest rate. This may have been for a while too. I have called and wrote and they deny my past agreement. I wanted to stop paying, so they also just violated the FDCPA yesterday by calling me for payment on Sunday and left a voicemail XX/XX/XXXX.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This afternoon I received a notification that there's a hard inquiry on my credit from TransUnion for XXXX XXXX credit card that I never applied for. I'm requesting to have this inquiry removed from my credit.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date : XX/XX/2022 Dear, Experian I just received my investigation results. Report XXXX : XXXX And saw account were verified. However, I have a few question : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, I was reading FCRA and noticed you violated these laws as well : 15 USC1681 ( a ) ( 4 ) 15 USC1681 ( e ) 15 USC1681 ( a ) ( 2 ) 15 USC1681 ( 5 ) ( A ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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. (IL)

Unfortunately I was a victim of identity theft when my information was leaked due to the Equifax data breach. There were multiple unauthorized fraud credit accounts and loans opened without my knowledge. I have followed all steps by giving a police report and filing complaints with FTC.