davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Original borrow ended XX/XX/2012. Estimated total debt +/- {$38000.00}. Total initial consolidation at that time was {$76000.00}. I fought with Navient about this, they would not budge. I filed a XXXX  complaint and they credited +/- {$11000.00} due to a disbursement to the school that was returned. However they still double consolidated the total loan amounts!! I have been attempting to fight with them all along. I have filed numerous complaints and have gotten now where. I have paid, relatively diligently since and have currently paid in +/- XXXX. I know there is interest in there to pay back. Navient still has me listed as owing XXXX. 

1. Even if I did owe XXXX minus the XXXX credit, total XXXX - after paying in XXXX, how is my balance only decreased by XXXX?!!! 
2. I do not owe this massive amount and have paid for over 7 years on this loan without a decrease in balance. 
3. I can not get the balance due corrected!

4. Lawyers tell me that I am beyond the 3 year contract law discovery since I flied with the XXXX. 

What do I do??
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (DC)

I sent a initial dispute letter to National Credit Systems on XX/XX/2018 ; follow-up letters on XX/XX/2018 and XX/XX/2018 asking the company to validate and verify the debt. Tell this day I did not receive proper validation of debt of ownership of dept from National Credit System. The company sent me a part of a rental lease an a bill. This isn't proper validation under FDCPA. Not only did I request for validation of debt, proof of ownership and many other requirement by law, I also provided them proof of inaccurate reporting errors on my credit reports. 

Also, I sent disputes to the all three credit bureaus ( XXXX, XXXX and XXXX on ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ). Again, asking for proper validation and investigation of inaccurate reporting data. 

Unfortunately, I only received letters from the credit bureaus stating the account was " verified as accurate ''. 

Please help!
Consumer complaint received 2019-01-28
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: EQUIFAX, INC. (GA)

I have tried to dispute errors on my Equifax report for the past few months. And their services are very hard to work with. I am able to submit the dispute online without a problem. But when it comes time to check the status it gives me error messages stating that my information is incorrect. When I know for a fact it isn't. I contacted them directly and they stated that there is something wrong with the online portal. And I've been getting this " something is wrong '' notice since XX/XX/XXXX and we are in XXXX. But disputes I submitted came back after 28+ days and said the information was accurate when it wasn't. I don't know what my options are at this point because Equifax isn't being helpful in me getting this information removed from my report. I contacted the Credit Union and they verified the correct number that I told Equifax it was ( which is what is reported on my other 2 reports ) and I asked that they correct it right away. But I don't understand why the correction wasn't made in the first place with the dispute. 

It seems like there should be some kind of justice for them reporting the wrong information after a dispute has been filed. The creditor took my vehicle and it was not a peaceful retrieve my husband was in the car when they took the keys out and repossessed the car. They hiked my monthly payments up from {$500.00} a month to nearly $ 900 month because they added insurance. Making it impossible for me to pay. It was very predatory. When they took the car I had made 2 of the late payments and there wasn't a balance but they told me that since they took the car I would have to pay the entire loan out to get my car back. 

This has been very stressful and I just want to get everything resolved. 

Thank you.
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

In XX/XX/2018, I tried to open a checking account for my business transactions for my business over in XXXX. I already had a personal account and business account with First Citizens Bank and wanted to keep my overseas operations separate from my US XXXX activity. The bank refuse to open my account and told me that I was involved in a love scam, which was not the case. The bank made this allegation up on their own. Because of the negligence of the bank and using false allegations against me, they cause me personal harm to my character, monetary lost to my XXXX  business, and closed an account that I have with he bank for over 30 years. 

They said that I was in a love scam when I wanted only to open an account to pay my attorney for the transfer the ownership to my name and to give authority to my managers of my XXXX   plantation. 

I also felt that I ws treated differently because of my XXXX XXXX   Heritage because of the manner that I was treated. I AM A XXXX XXXX   XXXX COMBAT VETERAN AND A LONG TIME BUSINESS OWNER AND PRIOR ELECETD OFFICIAL in XXXX County XXXX. and respected by many people in this county. XXXX discrimination should not be tolerated in any form and covered up bu using old and irrelevant policies that are outdated. 

This is First Citizens Bank and Trust Headquartered in XXXX North Carolina. I have additional information if you require it.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

Im a XXXX veteran living in XXXX XXXX, and because of that I am exempt from paying property taxes on my primary home. I closed on my property in XX/XX/2021 and it contained the documents which stated that Im exempt from paying property taxes. 

Three months ago I received Escrow analysis from ServiceMac stating that I was short because they paid some taxes to XXXX XXXX. This increased my mortgage by more than {$1000.00}. Ive called and explained to them multiple ( 10 ) times and they agreed that the payment was error on their part and XXXX XXXX. 

However, ServiceMac is insisting that I pay the full Mortgage with the taxes and they will send me a refund when XXXX XXXX refund their money. 

I believe the two organizations ( XXXX and XXXX XXXX ) made an error and the little man should not be paying for their errors/negligence. I dont have the money to pay this high mortgage, and Im pleading to anyone who will listen to help a XXXX veteran. 

I have included previous and current mortgage amounts. 

Thank you and XXXX Bless you for listening.
Consumer complaint received 2023-07-06
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. (MS)

I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : XXXX. XXXX XXXX XXXX ( Originally : XXXX XXXX XXXX )
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (TN)

On XXXX I sent an application for credit to US Bank Registered mail # XXXX. US Bank had 20 days to accept or reject the application ; 10 days fir shipping, 10 days to decided, and additional time was available upon written request. 

There were clear and conspicuous instructions that they were to return my instruments to me within 20 days if they refuse the contract. 

The application was received by US Bank on XXXX. US Bank sent a correspondence on XXXX that was received by me on XXXX. US Bank declined my request for credit but failed to return to me anything of value in place of the instruments that were provided to them. 

US Bank is in Dishonor and has failed to perform on our agreement by refusing to provide me consideration for the value that they received. US Bank is currently holding stolen goods.
Consumer complaint received 2022-08-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
Consumer complaint received 2022-08-29
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Im not sure what number email I am on. I have been dealing with a fraud case since XX/XX/XXXX that needs to be resolved and get me my money back. I have spent HOURS on the phone. I have escalated it, spoke with them, escalated it above that wanting a supervisors contact info. They could not give it out so she left me a voicemail and I have left her numerous messages with no response. Her name is XXXX XXXX. I notified the CFPB, federal reserve, and a few others. I was contacted by somebody stating my case had been sent to an escalation resolution specialist, her name is XXXX XXXX. I was told she was REQUIRED to contact me by XX/XX/XXXX, which of course never happened until I sent another email then got a call a few days later stating she had been out of the office and it was still being looked into and they would have resolution for me by XX/XX/XXXX. I STILL have not heard anything and it is XX/XX/XXXX I have left her 2 voicemails and nothing. The whole problem has been communication. I WANT MY MONEY.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

I have had a XXXX  credit card since XX/XX/XXXX. 
Beginning particularly since XX/XX/XXXX, the website is so slow that it repeatedly times out when I try to log in to pay account. Other times for several days at a time it shows a basket icon and says that function is not available at that time. The end of XX/XX/XXXX, I could not even find out how much I owed on balance before payment was due, so I paid at store with a check for much more than I owed because the website would not take payment.XX/XX/XXXX, I tried repeatedly tog in with correct username in different browser and on different devices. For hours message said the website had an inactive script. It would not activate either login icon or " manage my XXXX ''. Payment was due XX/XX/XXXX. A few minutes after XXXX  I was able to log in with my username which was correct XX/XX/XXXX but it would not allow me to log in until XX/XX/XXXX. Thus XXXX  is fraudulently creating late fees which are a minimum of {$38.00} by not having its website function until minutes after payment is due.
Consumer complaint received 2022-08-29
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}
Consumer complaint received 2022-08-29
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}
Consumer complaint received 2019-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

In XX/XX/XXXX I recieved a XXXX for XXXX XXXX XXXX XXXX. As if XX/XX/XXXX, I discovered that the company no longer operates in the United States. The website provided this number XXXX, and instructed me to contact the address below. 

Another link provided this address : HSBC Attn : XXXX Customer Resolution Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX The number states to notify in writing the request for release of lien. Unless you are a lawyer the information needed is confusing especially when all you have is the XXXX.
Consumer complaint received 2019-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

funds have been taking from my account from transactions I did not make to the best of my knowledge from XXXX and CHASE banks to XXXX XXXX and when I made these companies aware of these actions they did not respond in a proper manner
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}
Consumer complaint received 2023-04-02
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. (MD)

I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.
Consumer complaint received 2021-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

For over one month, repeatedly, and throughout the day, I receive a call from XXXX at Midland Credit, phone number XXXX XXXX and more recently from an unknown number. 
When I accept the calls she explains that I owe a debt and asks me how I am going to take care of it. She does not provided any additional information. This supposed debt collector has never once left a voice message with further details nor have they sent any written information by mail. I called XXXX and they have confirmed that there is no record of this debt collector on my credit report. I once tried reaching Midland by phone and instead of reaching a main line that stated the name of the company, my call was answered by a male voice who stated only my first name.
Consumer complaint received 2022-08-29
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)

This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX