davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
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. (PA)

When I was in school for my XXXX to pursue for bachelor of XXXX degree, my student loan company ( navient ) put me into forebearance but I was accumulating interest of 11.6 % total interest on my two loans together. One loan unsubsized with 5.87 % and other loan subsidized with 5.87 %. 

When I called navient for public loan forgiveness, they told me I had to work 20 hours a week and make monthly payment. It was very misleading as to how to stay on track for public loan forgiveness while working in XXXX as a XXXX for the past four years ( XX/XX/XXXX-XX/XX/XXXX ). Then, I called them last year to ask about public loan forgiveness eligibility criteria, they told me I have to work 10 years of full time in non-profit organization ( XXXX ) and not being in school status, before I apply for public loan forgiveness on my student loans. I didn't know that before I called them. I kept track of every single payment since I started working at XXXX and XXXX XXXX. I felt I'm being deceived by navient and not fully understand of what I need to remain eligible for public loan forgiveness on my remaining student loan principle balance. I'm not satisfied with Navient at all. 

After graduating from XXXX school in XX/XX/XXXX, I currently have been paying anywhere from {$100.00} to {$1000.00} a month for student loan. I do not believe navient student loan company properly allocate my student loan payment online. I was paying more and more but my principal balance doesn't seem go down as it should. I have been mislead and so frustrated of being with Navient.
Consumer complaint received 2019-04-25
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2019-04-25
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: EQUIFAX, INC. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ;
Consumer complaint received 2023-01-27
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2021-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Everytime I call this company they never resolve any issue they just transfer you till the call drops. It's really unprofessional that the agents you get cant speak english and have a bad attitude. Im also receiving other peoples credit reports in my mail. What is your process on verifying info? Im over this company making so many mistakes and never resolving them!!!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, TransUnion, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I received a grant donation to purchase a vehicle from my local church. They deposited the funds into PayPal last night. I have made multiple attempts to transfer the funds to my bank account so I can withdraw the money and pay cash for the vehicle per the request the private seller. I have called and verified everything with PayPal twice. They insisted that the funds are available and there are no holds on the account. Yet Im still unable to send the funds to my bank or even another PayPal account. I have been given a time limit by the seller and I will lose the vehicle if I am unable to come up with the cash by XXXX tonight. The vehicle is replacing my totaled vehicle and is so I can continue to work my delivery job.
Consumer complaint received 2024-03-04
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. (SC)

I have never incurred any debt with [ XXXX & XXXX XXXX XXXX XXXX ], nor have I entered into any contractual agreement with them. 
To the best of my knowledge, I have not received any services, goods, or financial transactions from [ XXXX & XXXX XXXX XXXX XXXX ] that would warrant the debt they are claiming.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (TX)

I have been upset by the high interest rates and high fees of 3 credit cards I have with US bank in addition to the bank 's sudden drop of my credit limits on one visa. Also, I wish to report the non existent customer service of this bank and the only call center employee who ever answers my calls, XXXX. This self hating man is prejudiced, inflexible, and low spirited. He sounds more like a criminal than a customer service person. Last time I spoke to him was tonight XX/XX/2019 around XXXX. But here I will concentrate on other 3 problems. 1- I learned tonight that US bank is charging me over 25 % for one visa, over % 23 for another, and over % 21 for a third because the bank 's assessment is that I dont have the means to pay my debt! If this is the reasoning, then US bank is made up of psychos who hope with higher interest rates on someone with difficult situation, they make sure the person never meets their obligations. Here I am asking that US bank fires such psychos in the underwriting department and hires people who can help us get lower interest rates such as 5 % so we can pay our bills. The other problem of US bank is that it has charged me several times {$38.00} fees for late payments. I want all of that stolen money returned to me. I have indeed never been late. The problem is that the bank considers central time for the closing of its banks as the cut off time while for me living in CA and other States, its difficult to always remember central time. Just like other banks US bank should follow an exact schedule rather than a confusing cut off time. Additionally, in or around XXXX to XX/XX/2019, the bank had a failing website. For example, in XXXX I had completed my payments on the site but later I found out the site wasnt working and my payments never went through. So I was charged {$38.00} and the belligerent call center men in Idaho denied me the return of my dollars even if I had proof of how i was mislead by the site. The third complaint is about the belligerent treatment I received from US bank underwriters who reduced the credit limit of one of  my visas and hiked my interest rates from already high % 17 to higher % 21-25. The  real reason for this increase was that shortly before I had called a phone number on TV promising to help consumers lower their credit card interest rates! Although the phone call was purely informational, and I never intended to hire that company, the US bank acted in retaliation by reducing my credit limit and raising my interest rates. The unethical behavior of US bank employees has disgusted me especially their rudeness to disregard my appeal. Last but not the least, Im asking the company to diversify its customer service to beyond Idaho and prejudiced self hating men in call centers. There are many good people all over US who need jobs and US bank could do much better.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/20XXXX 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 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 18th 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 an 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 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 2022-03-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EQUIFAX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Consumer complaint received 2019-04-24
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. (NY)

These accounts are fraudulent XX/XX/XXXX/XX/XX/XXXX{$68.00} XXXX XXXX XXXX {$950.00} XX/XX/XXXX XX/XX/XXXX {$550.00}
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Citibank Checking Account on XX/XX/2018 with the promotion of getting {$500.00} if I deposit {$15000.00} in the account and keep it for 60 days which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying activities and should be getting my money which I haven't got till yet. Please look into this.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, I was charged {$230.00}. I informed the company of this fraudulent charge on XX/XX/2019. They issued me a conditional credit until they could finish their investigation. On XX/XX/2019, they closed their investigation in favor of the merchant and reversed the conditional credit. I am continuing to dispute this. 

Originally, I did not submit any information in support of my dispute, just because the transaction was never made by me. My credit card activity with the same bank also shows that I was in California the entire time. I assumed they could access this and easily assume that I could not have made the charge. 

The information the merchant provided was an IP address in Texas that shows the purchased item was ordered to someone I have never heard of. Although the address may match, I have no idea who the person is. I also do not have authorized users to my credit card other than myself.
Consumer complaint received 2018-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I believe I am the victim of predatory lending practices and was taken advantage of during a difficult time in my life. 

While I only needed a lesser amount than the loan I got, I was convinced to take a much larger loan, which I am struggling to afford now. 

I only needed about {$3000.00} but was convinced by the agent on the phone that the {$10000.00} loan was a better deal and I should take it ( I only received about {$8000.00} in funds ) I did and am being charged over 75 %. 

I took out the loan in XXXX of 2017 and have made all of the payments so far ( about {$670.00} per month ). The company has already made it's money back on me and I feel they took advantage of me last year in a time of need. 

I had gone into debt by being out of work from XXXX through XXXX of 2017, going through a second divorce, and was about to have XXXX XX/XX/2017 in which I would have to take unpaid time off of work from a job I had just started. 

I would not have taken out such a large loan amount if not talked into it by the loan agent and am complaining to get my principal reduced to the original amount I wanted ( {$3000.00} ). 

Can you please help? 
Thanks, XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (GA)

XX/XX/2019 the agent called 4 times from 2 similar numbers. I returned the call and it came back to Phoenix XXXX. They ask for a female who is seldom at the residence and they won't give me any information as to the reason/purpose of the call. I informed them prior that multiple calls are harassment and the agent said, in fact, it is not and that he would continue. He has done exactly that.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

AFNI, INC. 
Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. AFNI is reporting a collection from XXXX that is NOT NOT NOT mine. I attempted to contact afni to dispute this account. At first they stated they could not find any accounts in the system under this account number. I then called XXXX, who also could not find any past due accounts under my social, address or this account number they also stated they DO NOT SELL TO AFNI, there are 2 other collections companies they work with but none of them is AFNI. So afni is fraudulently attempting to collect this debt on behalf of XXXX who has no recollection of this account or even working with them ... I called AFNI again, this time they insisted on collecting my personal information phone # s with purpose of verifying the account and NOW I'm getting non stop collections calls from them threatening to take me to court and garnish my wages ... I almost lost my job because of this fraudulent collector. please help ... 
I have written several letters sent certified mail to AFNI and got NO response. I went to law foundation for help and DA 's office who advised me to file my complaint with you and also to file my complaint with FTC with hopes of bringing this fraud collectors to justice. If this is not removed from my credit report I will file this with the case law attorney who is working on case against AFNI already.
Consumer complaint received 2019-09-19
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. (NJ)

I have contacted XXXX, TransUnion and XXXX   numerous times in XX/XX/XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with XXXX. 

XXXX  treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.
Consumer complaint received 2019-07-12
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. (GA)

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX.XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-03-22
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. (AL)

On XX/XX/XXXX Equifax removed an account ( XXXX XXXX  ) when Equifax discovered during their investigation that XXXX XXXX had reported inaccurate information. This information has caused me to be denied for new credit. I was notified by Equifax and XXXX that the account had been removed due to inaccurate reporting by all agencies. On XX/XX/XXXX, I was noticed once again only by Equifax that my account had been updated to a charge off account. This caused my score to drop XXXX. The information is inaccurate and was deleted three days prior. I am in the process of buying a new vehicle and this has hurt my chances of getting a good rate. Please delete the XXXX XXXX Account from all agencies. I have sent letters with proof of these inaccuracies to all three credit bureaus. XXXX and Equifax deleted at first. Equifax is not re reporting inaccurate details. XXXX is reporting incorrect information.
Consumer complaint received 2021-11-05
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1800.00}. Please update ASAP.
Consumer complaint received 2022-02-16
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.