davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
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)

Hi Concerned consumer advocates, I am a victim of fraud to the tune of nearly 5 years worth of timely XXXX dollar payments to Navient while being assured by phone representatives at Navient that I was making progress toward my 10 year PSLF payoff. They advised me to keep making payments and not submit for program credit until the 10 years was complete. I found inXX/XX/XXXX that I was not going to be credited for PSLF service months that I had been making since XX/XX/XXXX. 

XX/XX/XXXX, when I almost became XXXX because my school loan deferment ended and my payment was listed as over {$1400.00} per month after the XXXX site informed me that Navient was my new servicer as I completed the PSLF pathway per the directions on the XXXX site. 

Navient told me that in order to reduce my payments and still be in line with PSLF, that I needed to consolidate my loans. I did not know that this reduction in payment was not congruent with the PSLF program, and Navient representatives told me that I need to wait my 10 years before contacting the PSLF representatives. 

I did not become aware of the fact that the consolidation has to have a letter d in its title until about XXXX of XXXX when I saw the news of all of the people being denied loan forgiveness. They also thought that they were finished only to learn that their loans had been high-jacked into the commercial side and not the federal side of loan repayment plans. 

It took me until XX/XX/XXXX for my servicer to change from Navient to XXXX. I made 4 payments to Navient during that time of conversion, which are still yet to be credited to my account. From XX/XX/XXXX until XX/XX/XXXX I corresponded with both representatives of Navient and XXXX XXXX XXXX in order to fight to receive credit, but to no avail. Even after I consolidated into the correct loan type with the letter 'd ', made timely payments, under qualifying employment ... I am still awaiting 4 months of credit from Navient who took my paymets continuously yet listed me as haven been under deferred, non-payment status for the 4 months prior to my file transfer to XXXX. I am still awaiting this additional 4 months of credit to my PSLF bank. 

Someone said that you may be able to help me get credited for this 5 years and 4 months of 100 % timely payments to Navient while they misrepresented my financing, payment status, and all the while I have had qualifying employment and worked with the same company continuously since XX/XX/XXXX at 30 hours per week as a XXXX. 

Please help me get credited for my payments.
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

After filing for bankruptcy and them sending back a proof of claims to receive part of the estate I constantly received harassing phone calls. Emails and letters in the mail after being told those would all stop. Not to mention when speaking to someone with my student loan they kept going back and fourth between it being a federal and private loan one minute its federal the next they say its private. They received money from the estate in the end.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Yesterday on XX/XX/XXXX I received a mail from TRANSWORLD SYSTEMS INC. claiming that I have {$31.00} in debt to the creditor of XXXX XXXX XXXX XXXX on XX/XX/2020. There was no debt validation or evidence to which I had used XXXX nor do I have relations with XXXX  corporate. I contacted XXXX about this claim and they told me it is not the way they usually call and handle debt and assured me it is a scam. I did my research and many claimed that one should ignore and others say I should contact cfpb about it to cancel and confirm that this claim and statement are false.
Consumer complaint received 2020-09-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (NY)

a bank called XXXX began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop XXXX.
Consumer complaint received 2020-09-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have tried 3 times this year to get Experian and XXXX XXXX to PROPERLY REPORT MY PAYMENTS FROM 2019!!!!! I have MAILED AND EMAILED PROOF OF PAYMENTS AND STILL NOTHING GETS CHANGED OR DONE??????!!!!!!! My payment is due on the XXXX of the month btW and my payment is {$410.00}. 
XXXX is reporting 5 - 30 day late payments in 2019 and I HAVE PROOF FROM MY BANK STATEMENTS THAT I WAS NEVER 3 DAYS LATE IN 2019!!! I EVEN PAYED EARLY ONCE IN AND THEY CHARGED ME 30 DAYS LATE THAT IS THE ONLY ONE THEY CHANGED ON MY REPORT BECAUSE IT WAS 6 TIMES LATE THEY REPORTED!!!!!!!!!! NOBODY INCLUDING ALLY SEEMS TO CARE AND THIS AFFECTS MY LIFE GREATLY!!!!!!!!!!!! I WOULD APPRECIATE SOME HELP PLEASE!!!!!!! 
XX/XX/2019 - PAID {$850.00} ON XX/XX/XXXX FOR XXXX & XXXX XX/XX/2019 - PAID ON XX/XX/XXXX {$420.00} PAID AGAIN ON XX/XX/XXXX {$400.00} XX/XX/2019 - PAID ON XX/XX/XXXX {$410.00} 2 FREAKING DAYS LATE AND CHARGED 30 DAYS AND I AM GETTING LATE FEES ALSO!!!!! 
XX/XX/2019 - PAID XX/XX/XXXX {$420.00}! 
XX/XX/2019 -PAID EARLY ON XX/XX/XXXX!!! {$410.00}!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-04-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I dispute my credit report with Equifax about 2 collections XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX after the investigation they allowed the same accounts to be added to my report so these are on my credit resort 4 times the XXXX XXXXccounts added XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX A DEBT BUYER/COLLECTOR CAN NOT TRY TO COLLECT ADDIONAL MONEY FOR THE SAME DEBT MULTIPLE TIMES THIS NEEDS TO BE REMOVED OFF MY CR AND EQUIFAX NEEDS TO CORRECT IT!
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

M & T Bank has stolen payment of {$89.00}, XXXX from me as they have received a lump sum payment and is in violation of many laws including pyramiding late fees, escrow violations and misapplied payments. M & T Bank 's refusal to correct their records since spring of XX/XX/XXXX has resulted in my credit suffering and my land being auctioned in a tax foreclosure sale for M & T Bank 's failure to pay the property taxes. I received a mortgage bill as recent as XX/XX/XXXX that billed for taxes and insurance, etc and for what? There was a home fire in XX/XX/XXXX and no insurance has been needed for that vacant lot that has remained since XX/XX/XXXX. Why have I been billed for insurance that is not possible to obtain? Why am I billed for property taxes they failed to pay and now my land is foreclosed upon? Why do I get offers to modify my loan, yet no simple correction and return of my funds. Why does M & T Bank bill for maintenance when the lot was maintained by the City of XXXX? Per the attached records, not only was the property foreclosed on by XXXX XXXX in XX/XX/XXXX for UNPAID taxes I received a mortgage statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on ... None of these statements have removed taxes and insurance from them.
Consumer complaint received 2019-10-21
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: Experian Information Solutions Inc. (GA)

On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX  and XXXX. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.
Consumer complaint received 2022-04-05
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 ( Original Creditor:XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor:XXXX  XXXX  XXXX ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (CA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been sending disputes to XXXX since XX/XX/2023 about my identity theft. This has been the worst experience as I am trying to get back to normal. 
XXXX removed the items from my report. Attached. Everybody did an investigation and the other credit bureaus deleted it. What information do you have that these items are accurate? I have been requesting since XX/XX/2023 for them to send me what they have to prove that these items are accurate, and they have not. Here is the list of the accounts. 

XXXX XXXX XXXX XXXX XXXX Payoff XXXX
Consumer complaint received 2020-05-18
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: U.S. BANCORP (CO)

Prior to the Co-Vid 19 situation, I booked 4 plane itineraries on two separate airlines totaling {$2500.00}. All 4 itineraries were cancelled by the airlines. I requested refunds and waited 30 days, but did not receive any form of contact from the airlines and my money was not returned. 

Therefore, I filed three separate disputes with US Bank ( 2 for XXXX tickets, 1 for both XXXX itineraries ) and US Bank credited the amount to my account. However, this week all {$2500.00} was re-charged to my account, and I was charged interest on the amount with no explanation, and no contact from the bank.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I opened a account with JP Morgan Chase Bank in XX/XX/XXXX, and deposited {$25000.00}, loan from XXXX XXXX XXXX It was to help my children in college, pay for food while they were in school and to help with some medical bills. Once Chase bank verified with XXXX XXXX, the money was deposited on XX/XX/XXXX. I was told I would received my bank debit card in the mail in 3-7 days. The card never arrived until 3 weeks later. I had to send my kids money for food and pay rent for my daughter in college. The bank offered two money send features, bill pay/XXXX services which I tried to use both to send money to my family, Which at that time Chase Bank proceeded to reject my attempts to help my children 3 times. I called Chase Bank and was told this was fraudulent, I verified myself and they said should not happen again but they continued this activity for about a month. Needless to say I got upset and angry. I stated, this is my money and I have used bank services as intended to help my family. How can using my money and bank services be Fraud. I was interrogated, persecuted, and accused of Fraud. They also accused XXXX XXXX XXXX of fraud. So after several attempts to send money to my kids, Chase Bank flagged me as a fraud and froze my account. They are trying to charge fees, confusing my transactions, restricting my transactions and have plans on trying to take/confiscate my money. I believe this to be a effort to use circumstances created by Chase bank to take my money. I spoke with Chase Fraud department many times and the last time they I told them, as many times before, you are accusing/treating and making accusations to a innocent person and are affected my children. they said " we will see about that '' authoritative/arrogant/self righteous. I told them and challenge then to contact the financial institution that deposited the money and verify. They would not listen. I called XXXX XXXX and told them to intervene and to re-verify my legal deposit. I need your help exposing these deceitful and corrupt activities
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

I have bitcoin stored in a bitcoin vault on coinbase.com. I am unable to transfer the bitcoon out of the vault. I should receive 2 emails to approve the transfer but only receive one. I have tried many times without success. I have also sent support tickets with no response.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (KS)

Rushmore is a company who engages in mortgage fraud and deceptive business practices. 

Since XX/XX/2020, all mortgage payments have been paid on time, however this company has continued to report missed payments and an increased mortgage balance. 

On XX/XX/2020, I received a credit alert from XXXX   indicating that my mortgage balance increased almost {$3000.00}. No payments have been missed and I did not request any mortgage assistance under the COVID 19 relief program. In fact, I specifically sent written correspondence to Rushmore that I did not seek any such assistance and that I expected my payments to be reflected as paid on time. 

Rushmore is a crooked shady company and has been the subject of a several consumer fraud lawsuits. This company needs to be investigated by federal and state agencies. ( please see the attached alert ). 

This company continues to violate the Fair Debt Collection Practices Act. 

I can produce a cancelled check and/or bank draft for each and every monthly payment
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had leased a XXXX  XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.