davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I am disputing the past due amount that has been calculated for a private loan. Despite multiple attempts, Navient has declined to explain how they initially calculated the past due amount which now stands at XXXX ( I have brought the amount down with continued payments. ) I am also disputing the recent delinquency placed on the loan. I have continued to make payments on the disputed loan amount due. At no point have I stopped making payments. 

I have not been able to get answers to my direct inquiries to Navient. Rather than answer my requests for verification of debt and clarity of how past due amount was calculated, Navient has harassed me with phone calls and other letters with threats of delinquency and credit reporting to maliciously harm me financially. This is reprehensible behavior given my consistent payment record and the recent events ( weather disaster in state/pandemic ) that have so greatly impacted many individuals like myself. 

I have made consistent and accurate payments on my loans yet Navient has sought to exploit the debt owed on this particular private loan. I have made every attempt to pay, but also have the right to verify that what I am being asked to pay is fair and accurate. 

In an attempt to communicate my desire to resolve the issues with this private loan, I responded to a request in XXXX sent concerning settling the loan for an agreed amount. The letter ended up being false and deceptive. Navient did not respond to my attempt to settle the loan via phone. They then placed the loan in delinquency. 

Due to the deceptive, predatory, and hostile customer service of Navient it is nearly impossible to communicate with them directly. Every attempt that I have made to engage with them directly has always resulted in a negative confrontation. My goal is to pay my loan debt off under reasonable and fair terms based on my loan agreements. Navient is a hinderance to this process. Logging that attempts to contact someone was made is not sufficient evidence to justify Navient 's actions but a way to give cover for their abuse of borrowers by the use of delinquency and credit reporting.
Consumer complaint received 2022-10-15
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. (NC)

In accordance with the Fair Credit Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX # XXXX, 2. XXXX Account Systems # XXXX ( does not have all the account numbers ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( XXXX Account Systems has violated my right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2.It also states a consumer reporting agency can nor furnish an account without my written instructions.

15 U.S. C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U S. C. 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (NJ)

I am writing you today as an aggrieved man. FIRST PROGRESS unauthorized took {$200.00} from my XXXX XXXX  account for a fraudulent account after my identity was stolen. I filed complaints against with the CFPB, XXXX and PA attorney generals office against FIRST PROGRESS and they closed the fraudulent account and removed in from my name, but they never returned my stolen {$200.00}. I demand FIRST PROGRESS to return my stolen {$200.00}.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

we back XX/XX/2021 paypal put on hold my money amounting to XXXX US dollar but to date XX/XX/XXXX they email me that I can no longer access or use my money for withdraw even I made convertion to XXXX  money they put on hold it up to 180 days and its too long I badly needed my money. My Paypal email : XXXX You can no longer use PayPal At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


Reference ID : XXXX
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to get my annual free credit report on line for year 2015 and Transunion will not give it to me because they ask questions that do not apply to me. They apply topply to another person whos information Transunion keep wrongfully adding to my credit report. This happens every year and I have to spend many hours complaining and filing law suits in Federal court just to get my credit report from them. Then the information is incorrect and I have to start all over again every year getting the same information taken off my credit report. It is against the law for them to hold wrong information on my credit report and then due to that wrong information they refuse to give me access to my credit report but allow the other person access to my credit report. Please make this idiot company give me my credit report as this is again affecting my credit and my employment. 
The questions they ask me are did I live at XXXX? which I did not, Was I known by another name of XXXX? which I have not, I have only EVER been known by my own name. Then am I associated with XXXX? which I am not. Due to my giving the correct answers to these questions Transunion again have denied me access to my credit report. It took most of the entire year last year to get this information corrected and once again they have added it back to my credit report when I IS NOT MY INFORMATION. Please see the very many complaints I had to make last year to get my report and then to get it corrected. Now we are back to square XXXX again and they have caused me to lose XXXX jobs because of their NEGLIGENCE
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (MS)

I was a victim of identity theft while living in XXXX, Virginia. On or around this time, an account was opened in my name with a company called DUVERA. This original loan amount was {$2400.00}, and has now climbed up to {$7600.00}. I didn't notice this account until it came up on my credit report. After I was aware of this fraudulent account, I called the credit reporting agency and was told to contact the company at the number listed in the credit report, which I did. This was after I disputed the account with XXXX. They argued with me that the account was in fact mine and there was nothing I could do but pay for this account that I have no knowledge of. At this point, I have done everything that I know to do and i still have this on my credit report. Any assistance that you could give would be greatly appreciated.
Consumer complaint received 2021-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution Service account # XXXX Creditor XXXX XXXX XXXX XXXX XXXX PA Amount {$1500.00} date XX/XX/17 I sent a certified letter asking to validate my debt because I have the right to have it validated. They failed to do so by sending me a letter in response with what I owe and has my name on it. That is it. 
I'm asking to have this debt removed from all credit bureaus that this debt is reporting to. They failed to validate my right as, Fair Debt Collection Practices Act, section 809-Validation of debts [ 15 USU 1692g ].

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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: Premium Credit Bureau (NY)

PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (PA)

Dci is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

On it around XX/XX/XXXX I was contacted by title max XXXX XXXX ( XXXX ) XXXX XXXX and XXXX  XXXX AZ he asked if I was interested in a better title loan with more affordable payments interest and a little more money. 
I had several times refused but went and seen him at his place of work title max he talked fast I told him I was on limited very limited income. XXXX due to my need he quoted me a amount that my vehicle wasnt even in the blue book for and I took a loan for more than I could possibly afford. I told him days later if my loan wasnt to start until XX/XX/XXXX then why was I being charge interest on this loan he was then calling me a complainer and became very rude I contacted XXXX XXXX XXXX to do a buy out to try and find a way to pay this mo eat back this due to this put me into a hardship that was abusive loan and shouldnt have ever happened by this or any company I did the buy out from another company but truly believe title max and Mr. XXXX should be liable for this loan do to abusing what I couldnt even afford and he new he was conning me I need help first of getting my interest back I paid for having the loan a week and also for having to pay off the current buy out and pay this loan for abusing power and I believe this has to be illegal to do I make such a small amount he set me up to fail
Consumer complaint received 2020-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Lending Club Corp (AK)

Lending Club locked me out of my account since I cancelled the loan. They gave me until XX/XX/2020 to pay back the loan, and then they locked me out of my account. I'm facing fees from my creditors to give them their money back. I cancelled the loan because they misrepresented the terms. And I cancelled before any of my creditors were paid. They approved a loan for {$20000.00} at 16 % APR on a 3 year loan. What I got was {$19000.00} at over 22 % APR. My account even said " {$20000.00} at 16 % APR. It was a total lie, " no hidden fees '' that was a total lie. I already filed a complaint about this and since then, I've been locked out of my account. They emailed me a notice that I had to pay back the {$19000.00} by XX/XX/2020. Then they emailed me a notice that they were going to take automatic payments out starting XX/XX/2020 for {$660.00}. When I call, they leave me on hold. Doing business with these XXXX was a big mistake.
Consumer complaint received 2022-12-01
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2016-11-29
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant. 
Please see the attached affidavit pertaining to the ongoing report.
Consumer complaint received 2020-02-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have Bank Of America accounts in my XXXX  credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to Bank Of America account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt
Consumer complaint received 2020-02-24
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. (LA)

We were out of town for my grand baby funeral.When we arrived home a week later.I turned on the answering machine.I heard a message from Citi My Best Buy Visa Card, they were stating that my card was being used and that it was possible fraud charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card. I didn't know my card was being used until I heard the message. I told them the same thing Iam telling y'all.They denied the claim and now I been paying on charges that I didn't make the balance is XXXX I kept calling them to reopen the claim they said it was out of their hands, they gave me a address that wasn't good.I called Citi today to get the correct date when all this took place it was XX/XX/XXXX.XX/XX/XXXX I made a payment for {$43.00} on XX/XX/XXXX I made a payment for $ XXXX.I couldn't understand why the payment jumped up so high before the {$550.00} they XXXX  everything out than rebilled me.I owe them {$550.00} and the payments I made going to the fraud charges not my balance. I continued to call them still not getting anywhere, no one wouldn't reopen the case.Iam reaching out to y'all for help. I pray this don't happen to nobody else.Thanks in advance.
Consumer complaint received 2022-12-01
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. (OH)

My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-24
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. (MD)

I have tried to resolve my problems with EQUIFAX but they continue to retaliate against me for REPORTING them to the CFPB. 
I informed them that there were irrelevant items on my report and that I was in the process of filing litigation because they refused to fix the errors.After informing EQUIFAX about it they immediately increased my score by the 36 points that they had decreased in response to being awarded a XXXX increase on my credit card for maintaining good payments. 
Since then I have informed them of additional items that were on my report that had been removed in XXXX by XXXX XXXX, acredit repair company.I just found out that EQUIFAX did not remove them. 
I disputed the ancient and irrelevant accounts. One of the accounts was removed on the XXXX XX/XX/XXXX. 
That account, named XXXX was transfered to XXXX  on XXXX XX/XX/XXXX for unknown reasons. XXXX then immediately decreased my credit score by 36 points as a result. Seemingly the same 36 points that were TAMPERED WITH by EQUIFAX. 
It's obvious that there is tampering and malicious interference in my credit reporting of my score. I have no choice but to begin a lawsuit that will include XXXX. They are sabotaging my accounts because of my continuous reporting to the CFPB out of sheer retaliation. I have consistently reported infactions related to my account and in return receive improper treatment.
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems (CA)

I received a notification on XX/XX/2020, through my credit cards credit report tracker, that a new account was added to my credit file in the form of a new collection account that I am not aware of ( XX/XX/2020 ). These are the details of the new collection account that my credit card provided below : Account Details : Bureau Name : MIDWEST RECOVERY SYSTEMS Original Lender : XXXX XXXX XXXX  Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$280.00} Amount due : {$310.00} Payment Details Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported I have no knowledge of this account and received no correspondence from Midwest Recovery Systems about it.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I have an AmEx platinum card. The reward program is supposed to earn 5x points for airfare. In the past, all tickets purchased through amex directly, the airline directly or a travel agent have accrued 5x points correctly. This month I purchased airfare from XXXX and even though the transaction was reversed when I canceled my trip, the points accrued at the correct 5x rate. However, the same itinerary purchased via a travel company called XXXX is only accruing points at 1x.