davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AK)

Back in XXXX, I began school. I took out a private loan in the amount of {$13000.00} and in XXXX, another one in the amount of {$16000.00}. Both through Sallie Mae. I started paying my loans back in XXXX. In XXXX, Sallie Mae gave my loans to Navient. I have made every payment, on time, every month, for the last 9+ years. Not only have I already paid my original balance, but my current balance is still over $ 30k. How is this even possible?? Since then, I have tried multiple times to release my mom as my cosigner, I have tried multiple times to try to get my payments lowered, and I have tried multiple times to get an interest rate better than the " variable '' rates of 13 % and 11 %. Every time I call, I am passed around to different departments, none of which is capable of helping, my cosigner release keeps getting denied, but I can get information why. I cant get a better rate because " variable is what I signed for when I took out the loans '' so there is nothing they can do to help. They cant even tell me what qualifications I need in order to get a lower interest rate. I have been stonewalled every step of the way. Upon a quick chat with Sallie Mae today, they informed me they not only have no record of me ever getting a loan through them, but if I did have private loans, they would not have been sent to Navient. I can't get information from Navient for anything and if I could afford it, I'd hire a lawyer to investigate this further. I'm at a loss right now..
Consumer complaint received 2022-09-02
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

This is a complaint against Santander USA that should be off my credit report nothing to do with the other complaint I just put in. Santander was a repo back in XX/XX/XXXX why they are not off my credit it has been long enough and they don't own the car that was report I want Santander removed from my credit report!! It's got a ton of mistakes on it I have XXXX  that I pay for and XXXX! This is bull I was not included in the XXXX XXXX dollar settlement? They were charging me back in XXXX 22.75 % interest rate and it was a term for 74 months at a whopping XXXX $ a month it's old they don't own the car anymore? They put XXXX charge offs on my credit I have worked hard building my credit I one wants to help me look into this? Please help me. This was from XX/XX/XXXX thru XX/XX/XXXX and they don't own the car a ymore?
Consumer complaint received 2022-09-02
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (CA)

Chase agreed to settle the balance which I paid on my account was current on XXXX 2015 they report charge off instead paid in settlement. 
law states account must be 180 days before charge off. On XXXX XXXX,2015 chase sent to collection agency XXXX XXXX Ref. XXXX to collect the debit but collecting agency closed the case on XXXX/XXXX/15 send back to chase they stated this account unlawfully charge off. Chase want it damage my good credit profile.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I received an unsolicited Credit/Debit card in the mail from PENFED Credit Union on XX/XX/XXXX. 
I called their Consumer Fraud number through the customer service number listed on the fraudulent card : XXXX to cancel this card. Tomorrow I will call member services to make sure the account in my name is closed. 
I am worried that someone has my Social Security number. 
I called XXXX and XXXX to place a Fraud Alert on all my Credit files. 
What else should I do to protect my Identity. I am normally very careful to use known/trusted companies to purchase items online through XXXX.
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. (MO)

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (OH)

The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (DE)

The original creditors were predatory loans that I took out for a family member. I was contacted by NCA several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that NCA had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XX/XX/2018 ). I sent e-mail messages and sent letters through the US Postal service and NCA has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and NCA has confirmed and updated the accounts with inaccurate information.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I submitted a dispute request in XX/XX/XXXX with capital one. Since then Ive submitted several documents talk to numerous agents all telling me something different. I ended up paying {$1100.00} for a charge I didnt agree to or accept and its almoat XX/XX/XXXX, capital one never resolved my dispute or refunded my money. My complaint number is XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX FAILED TO RE-INSERT MY ACCOUNT BACK INTO XXXX CREDIT FILES IN VIOLATION OF F.C.R.A. 15 U.S.C. SECTION 1681g and CREDIT FURINSHING LAWS.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (CA)

In XX/XX/XXXX we went through a mortgage modification on the term ONLY with Seterus, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/XXXX ), an  original loan amount of {$340000.00}. As of XX/XX/XXXX Seterus began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with Seterus and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
Consumer complaint received 2019-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I have had to file two previous complaints against this company due to inaccurate information being reported on credit report. As of XX/XX/XXXX, when myself and a representative from XXXX XXXX called in on a three way phone call, due me attempting to refinance my mortgage once again, the representative had two simple questions : Payment History Date of Discharge of Bankruptcy Payment history was reported accurately but the representative from their bankruptcy department, XXXX, ID # XXXX reported that my discharge was in XX/XX/XXXX, not the actual date of XX/XX/XXXX. I even went so far as to ask the Wells Fargo rep did he not want to contact Ms. XXXX XXXX to ensure accuracy and he reported that XX/XX/XXXX was the correct date as per Ms. XXXX 's documentation. The representative then went on to read verbatim from Ms. XXXX XXXX 's notes that a work order had been submitted to the credit reporting department to go in and retroactively report my credit, even though Ms. XXXX had reported to both myself and her response to CFPB that they had been doing this all along, except for the period of XX/XX/XXXX thru XX/XX/XXXX. Also in one of the multiple letters I received from Wells Fargo, it was reported to me that as of XX/XX/XXXX, they would start the process of actively reporting. On XX/XX/XXXX it was reported to the three major credit bureaus that my account was closed and paid in full. I had to call in and ask for this to be addressed but at this point Ms. XXXX reports that Wells Fargo did not report that, I am to believe that the three major credit reporting agencies just randomly chose Wells Fargo and chose to list my account as closed and paid in full. Please find attached an active copy of a report pulled on XX/XX/XXXX, which clearly shows the last activity from Wells Fargo as being reported closed and then reopened again on XX/XX/XXXX. Also on this you will see that Wells Fargo has me listed in two different types of bankruptcies-a chapter XXXX and a chapter XXXX. The process of reporting my account paid in full and closed, then opening it back up and placing the balance has affected my credit score tremendously and has caused three of my credit cards, to lower my credit limits. Also please notein the Additional dates area of this same document, it clearly states, Bankruptcy XX/XX/XXXX, Closed date XX/XX/XXXX. I would like sanctions brought against this company.
Consumer complaint received 2019-02-01
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: Experian Information Solutions Inc. (AZ)

In early XXXX I was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to Experian on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized.

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX  XXXX XXXX  XXXX  ) on XX/XX/XXXX and XXXX   XXXX on XX/XX/XXXX. 

Experian is reporting hard inquiries without a permissible purpose for XXXX  ( XXXX XXXX XXXX  XXXX  ) on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are Experian, XXXX, and XXXX  accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX  and Experian credit reports. XXXX is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2019-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX my fEDERAL REFUND WAS APPLIED TO THE UD=S DEPARTMENT OF EDUCATION XXXX 

FILED A SPOUSAL INJURED AND MY REFUND WAS GIVEN BACK THE SCHOOL XXXX XXXX LOAN IS FROM 25 YEARS. 
I LEFT THE SCHOOL NOT COMPLETING AND THE LOAN WAS APPLIED TO MISCLEANEOUS CHARGES. I NEVER COMPLETED SCHOOL THERE. 

I BECAME XXXX XX/XX/XXXX. 
NEXT MEDICAL REVIEW BY SOCECURITY IS XX/XX/XXXX MEDICAL RE EXAM CYCLE IS 3+ YEARS XX/XX/XXXX AND XX/XX/XXXX SOCIAL SECURITY WROTE THERE WERE NOT GOING TO REVIEW MY CASE. 

CALLED us department AND WAS TOLD MY ACCOUNT DOES NOT EXIST. 
us dEPARTMENT CALLED BACK AND CONFIRMED I HAD NO ACCOUNT WITH THEM. 

I HAVE SENT THE BENEFIT PLANNING QUERY AND IT SAYS DISABLE WORKER. 
2. IT TELLS THE DATE I WAS DIABLED WHICH IS XX/XX/XXXX AND THE NEXT REVIEW CYCLE IS XX/XX/XXXX WHICH 7 YEARS. 

nELNET KEEPS SAYING THEY DID NOT RECEIVE THE BENEFIT QUERY AND AFTER THREE YEARS ARE TRYING TO TAKE MONEY BY TAX LOOPHOLE NELNET HAS IN THE PASSED CALL THE RSIDENCE AND LEFT MEESAGE WITH FAMILY MEMBERS. 
NELNET IS NOW USING AN OUTSIDE COLLECTOR XXXX XXXX AND WHEN I ANSWERED THE PHONE AND TOLD THEM I BEEN THROUGH THIS EXERCISE THEY SAID THEY WILL MOVE THE CASE TO ANOTHER DEPARTMENT AND CONTACT NELNET. 
THEY DONT HAVE THE PAPERWORK TO ANSWER QUESTIONS. 

WHAT DOESNT NELNET GET IAM XXXX FOR LIFE. 
MY SYSMPTOMS WILL NOT GET BETTER OR PROGRESS. 
IF I TAKE MY MEDICATIONS. 

NOW THEY ARE TREATHENING AGAIN TO FORGO MY TAXES WHEN IT IS A SPOUSAL INCOME. SECOND TIME. 

THE LOAN IS NOW AT {$13000.00} OVER BILLED WITH INTEREST RATE. 
THE SCHOOL DID NOT HAVE PROPER MANAGEMENT FOR LOANS. 
REYCYCLE. 
I NEVER USED HALF THE LOAN. LEFT THE SCHOOL.