davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I attended XXXX and fell for there scam of being able to learn about computers with knowing nothing at all and felt overwhelmed to say the least about there whole process but they keep passing you along even though you do n't do well in the class ( es ) when come time to place me in a job like they promise there was nothing to be found and now I am stuck with all these loans that they were not clear on. So I have struggled ever since to try my hardest to pay these loans off and they keep piling up. Now that the school was actually deemed fraudulent and has closed I do n't feel like I should have to pay the rest of the loans off. I have tried to explain this to everyone I talk to on the phone but they do n't care or listen to what it is I am saying. Now I did a loan forgiveness and thought it would help out since they have been taking my income tax return for the past XXXX plus years but the loan is still accruing.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NC)

I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX, AMEX, XXXX, XXXX AND XXXX 
I have gotten letters phones calls and report still showing on my credit profile. 
From XXXX XXXX  and other collection agency seen like AMEX keep sending report between 3 didferent agency. 

Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no do i deal with them. 

This is voliating my right and all of 15 USC code
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Tuesday XX/XX/XXXX, my car a XXXX XXXX XX/XX/XXXX was repossessed by Fifth Third Bank. I purchased the car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fifth Third Bank claimed there was a lien on the car from the previous owner. I have a lien release from Fifth Third Bank stating that the loan obligation was paid. My loan is with XXXX XXXX XXXX XXXX and XXXX has a lien on the car. I have a copy of the title in my name with XXXX as the lien holder. I 've made several attempts to contact Fifth Third Bank trying to resolve the situation. They refuse to speak with me due to the fact that I am not a customer of them. I 've spoken to the DMV regarding this matter, but they can not help with this issue. The bank also refused to speak to a legal attorney XXXX XXXX, who has sent several notices to them regarding this matter. I am currently paying a car note and insurance for a car that is not in my possession. I tried to cancel the insurance and registration but it can not be done without the license plates which Fifth Third Bank has refused to hand over, along with personal belongings which was left in the car.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

After carefully reviewing my credit report, I have noticed inquiries that I never authorized or applied for. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2022-09-08
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. (TX)

XXXX XXXXXXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX TX ) is reporting a balance of XXXX to my credit report. Also, the dates of this account do not match across the chart which is a violation. I have not resided in such apartments. This is inaccurate information and I need this removed from my credit report immediately. It does not belong to me and I will not take credit for this. I have tried multiple attempts sending dispute letters and has not been removed
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (NJ)

I have been receiving harassing phone calls at my place of employment. The multiple callers refuse to disclose the reason for their call ; have been rude to other staff in the office ; and have been asking inappropriate and personal questions about me. This is now jeopardizing my continued employment at this firm. I have been placed on probation because of these continuous disruptive phone calls. In running a search of the phone numbers left for a call back ; I have been able to identify the company as " National Credit Adjusters , LLC '' with an address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, KS XXXX. The phone number is XXXX XXXX XXXX and the extensions vary, XXXX, XXXX, etc.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (PA)

i was charged {$87.00} for return check fee. I spoke to a rep at Navy federal about the 1st {$29.00} fee. it was return on XX/XX/XXXX and then the company charge {$29.00} again. The rep stated the she would credit the fee back and never did. Now I have 2 more fees because the bank does not want to take the money from my other bank account. But the computer takes money when i have a bill to pay that belong to the bank.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (IA)

Borrowed with sallie Mae in XX/XX/XXXX using my grandmother as a cosigner. She was going to take care of the loan. Grandmother got sick and ended up in a XXXX and then passed away. I was living on my own since I was XXXX. Was in an XXXX marriage XX/XX/XXXX-XX/XX/XXXX. Graduated in XX/XX/XXXX and have been working to financially recover since. Financial hardship resulted in a default on sallie mae on XX/XX/XXXX after attempting deferment and a few payment arrangements. Called on XX/XX/XXXX to attempt to make arrangements for payment. Was notified of the default status and no payment arrangements was allowed. Sallie Mae representative was rude and harsh. Commenting on my financial situation and my lack of responsibility of the loan. Told me the only thing that would be allowed was paying the lump sum of the balance immediately, even though the loan is still owned by them until XX/XX/XXXX. Asked for XXXX $ and told me I was in a bad situation. Told me the next step is legal action. Had me sobbing on the phone. I was disgusted by the way he talked to me and the fact that sallie mae would rather take legal action against me then accept payments I 'm offering. Communication was poor. Help and options were still financially straining.
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (NY)

A sales rep by the name of XXXX XXXX ( XXXX ) came to my home he explained what was supposed to happen if I decided to get the solar panels. The sales rep broke down every thing that was going to be done. He looked at my roof and told me that the roof is sinking and I told him that the beams were splitting and he said that they were going to replace the beams and redo the roof so it can support the panels if I decided to go with them. I video taped the sales rep while he was in my home explaining what they were going to do to the roof if I decided to sign the contract. He then asked for my social security number stating that he was going to see if I pre-qualified for the financing and give me an idea of roughly how much my monthly bill would be, which he stated was going to be about {$160.00} a month. Keep in mind I video taped the conversation and my son was also on the phone while the sales rep was explaining the process. About 2 weeks later I woke up to noise on my roof and when I went outside to see what was going on I noticed that they were working on the roof. I asked what they were doing and they said they were replacing the roof and putting up the solar panels. I immediately called the company to complain because I didn't sign a contract. I also went into the attic to see what they were doing and I noticed that not only were they putting on the solar panels while replacing the roof but that they didn't even change the beams like the sales rep said they were going to do. I kicked them off of my roof. While on the phone with the company they said they were cancelling the contact and I asked " what contract? I didn't sign a contract I was only supposed to know the cost if I qualified for the financing. '' I received an email stating that the contract was cancelled soon after. A week or so later I received a bill for {$7800.00} and a monthly bill for almost {$600.00} a month. 
I am a XXXX  citizen and am on a fixed income and by no means can afford a monthly bill of {$600.00} for anything. The whole reason for me inquiring about the solar panels was to reduce my bill not increase it by over {$400.00}. I feel that they scammed me and signed me up for something I absolutely didn't sign up for. I am prepared to go to court and fight this as I have all of the emails stating that the supposed contract was cancelled. What type of solar panels cost XXXX dollars?!?! My roof is now sinking in because of this due to the weight of the solar panels because my beams would have needed to be replace before anything went on my roof.
Consumer complaint received 2021-11-30
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)

XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

There were fraudulent transactions that occurred to my bank account. I left my belongings on XX/XX/2017 and my routing number and account number information was stolen. I reported this to A lot of agencies but noticed {$340.00} negative balance to my account. I called WELLS FARGO TO MAKE THEM AWARE I DID NOT MAKING THIS TRANSACTIONS. I asked them to put my account back to good standing. As I do NOT owe my bank. I received many letters dated XX/XX/2017 via mail from wells fargo claims department regarding a STOP PAYMENT has been placed..but no resolution to my concern that my routing and account number has been compromised by a identity thief. I am asking wells fargo to get my account back to zero balance..not a NEGATIVE BALANCE OWED OF {$340.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Regional Acceptance submitted an Account # as a1099-C on XX/XX/2021. However, they are listing it on my consumer report as " Written off, '' which contradicts its classification. This constitutes furnishing inaccurate information, a violation of 15 U.S.C. 1681 Section 2. Additionally, it can not be categorized as both a charge-off and a collection simultaneously. The IRS designates this as income, not to be reported. Regional Acceptance 's inaccurate reporting raises concerns about the authenticity of the entire account and breaches the FCRA by reporting income on credit reports.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (OR)

Despite contacting Comenity Bank in writing, disputing interest and fees being charged for interest that was not supposed to be charged in the first place - the balance for merchandise was paid in full within the terms of the card - I continue to receive DOZENS of harassing phone calls every week to pay the balance I DO NOT OWE. 

I previously filed a claim - case number : XXXX - which did not result in any resolution.
Consumer complaint received 2017-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have XXXX loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All XXXX show closed with a {$0.00} balance.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

Discover Card reported a 1099 C to the Internal Revenue Service for the whole charged off balance on the account. Discover DID NOT send me a copy of the 1099 C.

Discover card should be reporting closed and a XXXX  balance as a result of issuing the 1099 C.

The 1099 C was issued XX/XX/2020.
Consumer complaint received 2017-09-07
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: National Enterprise Systems, Inc. (NY)

Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them again
Consumer complaint received 2017-09-07
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: Experian Information Solutions Inc. (GA)

I filed a dispute with Experian in early XXXX in regards to an account reporting on my credit report that does not belong to me. The account is XXXX XXXX, it was deleted and found not to belong to me. On XXXX XXXX, XXXX I find that this account that does not belong to me is place on my credit report.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My credit card company closed my account after payment was not released by my bank even though the money was in the account the day the account was supposed to be charged. I received direct deposit from my job, and the bank did not release the funds to the credit card company. As a result of too many times this occurred, although I communicated with both my bank and the credit card company, my credit card was closed.
Consumer complaint received 2017-09-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.
Consumer complaint received 2022-09-08
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account XXXX 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 2020-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MD)

I have submitted four disputes with XXXX asking them to verify of immediately remove this collection from XXXX XXXX  from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc. (IL)

XX/XX/XXXX XXXX XXXX, IL XXXX Comenity Bank/XXXX XXXX XXXX, OH XXXX Acct. # XXXX Dear COMENITYBANK/XXXX, I have recently received a copy of my credit report ( XXXX, XXXX, and XXXX ) showing a 30, 60, 90 day in early XX/XX/XXXX also a 30 late in XX/XX/XXXX. Quite frankly, other than remembering a periods in XXXX when I was briefly ill I have no idea how this oversight could have occurred. I am sure that you can see that my payment history with your company excluding this oversight has been impeccable. Again, I do not know how this happened as I am very conscientious about paying my bills on time. I would ask you to review my payment history with you and as a courtesy please instruct the credit bureaus to remove this very isolated incident from my credit file. These late payments is proving to create financial hardship for me. I have had a favorable experience doing business with COMENITYBANK/XXXX and look forward to continually doing business with your company in the future. 

I thank you so very much for your consideration in this matter. 
Sincerely, XXXX
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

My employer received a letter from a law firm to let them know about a garnishment against my salary, I was surprised by the news because I have never received a call or notification to contact me. 
I really I am trying to find out what was this debt the law firm has not clarified to me that it Belongs, so I proceeded to look for information and try to contact someone in XXXX but The company is no longer valid or open for business and The person whom I talked in the law firm does not give me information I proceeded to check my credit report it does not show any type of debt in XX/XX/2009 for the amount they are trying to collect. 

Thank you
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WV)

I received a notice from Midland Credit Management on XX/XX/20 about a supposed credit card debit from XXXX XXXX XXXX. The they originally contacted me three months ago, I disputed this, but. when I reached out to them again today they said that their records were correct. 

I have knowledge of ever apply for credit with this bank. I have never received any credit card from them nor have I received any type of statements. I do believe someone opened this account in my name without my knowledge. 

The creditor is XXXX XXXX XXXX XXXX XXXX  and the MCM account number is XXXX. The last digits of the card are XXXX. They told me that I would have to download and fill out a form from you and send it to them. I do not see where I can do that. 

You can reach me at XXXX or XXXX XXXX XXXX
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independent Recovery Resources, Inc. ()

I have repeatedly called and emailed the XXXX XXXX XXXX   that is listed as the original company claiming I owe {$59.00} which I was never alerted to ( nor have I ever been to XXXX XXXX ). I have paid the {$59.00} charge on several separate occasions directly to XXXX XXXX as it continues to show up on my credit report as delinquent by a Company called Independent Recovery Services,  located in XXXX XXXX XXXX, XXXX, NY XXXX. XXXX. After receiving each duplicate payment, the XXXX company continues to assure me that they will have this collection company correct the error on my credit report, and remove all history of it. However since it first was reported on my report in XX/XX/2014, it continues to update monthly as delinquent and wreck havoc on my credit score. This is extortion either by the company or the hospital to continue to make me pay the same bill over and over again just to have it removed from my credit report. What 's more, is it is costing me extremely higher interest rates and encroaching on my ability to get a mortgage, a cost in the thousands. This is illegal, harassing, extortion and fraud and I would appreciate if you could help put an end to this illegal and dishonest business practices, which are clearly being used to force the customers into paying for the same bill over and over again trying to clear their credit report.