davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

Please pull the phone records for a conversation that took place approximately XX/XX/XXXX 2015 between myself and a Fedloan customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that Fedloan starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XX/XX/XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with Fedloan, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with Fedloan! 45 late payments is malicious and has indescribably made my life a living hell. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX XXXX solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these Fedloan false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my Fedloan student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Consumer complaint received 2023-01-27
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. (MI)

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX  documentation prior to reporting the debt.
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alorica Inc. (OH)

Sent 609 letter to Global Receivables asking for verification of debt. They sent detailed report with amounts owed from the hospital. I asked for my signature to verify i had a debt with this company and did not provide anything but an itemized list of everything i supposively received at the hospital. This is a hippa violation.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MN)

I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XX/XX/XXXX  my  XXXX  credit report is showing my loans twice.   I am in the process of consolidating my student loans with   XXXX   XXXX  , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping  my credit score ( FICO  )  XXXX  points!!   I can not do another dispute with  XXXX  due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score was dishearteni ng.  <P/> I need to have these " evil twins '' removed from my report ASAP.  <P/> Thank you.
Consumer complaint received 2017-06-05
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)

I applied for Student Loan Debt forgiveness program with the XXXX XXXX XXXX XXXX company and was advised that they could cut my payments down to just under $ 300/monthly for the next 10 years and then the loan would be forgiven. All I had to do was submit a couple of payments in the amount of {$180.00} for the representative to contact Navient and get me enrolled into the program. I called the representative as requested and I have yet to hear back and always receive his voicemail when I call. I would like to recover my payments and charge this company with consumer fraud. This was the last email I received from them on XXXX XXXX, 2017 : HELLO XXXX, This email is to advise you that I have submitted to NAVIENT Servicing your REPAYE application and your paystubs. I will monitor everything here in our office but ask that you contact me directly by telephone on XXXX XXXX, 2017. to  complete a conference call to NAVIENT Servicing. I will speak to them on your behalf and we will confirm that you are either at the last stage of your process or if it has already completed. IF YOU HAVE RECEIVED CORRESPONDENCE CONFIRMING REPAYMENT PLAN CHANGE HAS COMPLETED then we will not need to complete conference call. You can contact me directly to review correspondence with you. If you HAVE NOT received correspondence confirming completion of your repayment plan change by the scheduled date above, then please call me directly. You can contact me anytime during the day if my voicemail comes on it is most likely because I am on the other line with another client just leave me a voice message and I will contact you back as soon as I am available. Thank you and have a wonderful day. <P/>XXXX XXXX Senior Case Manager XXXX XXXX XXXX XXXX Main XXXX Ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Asset Recovery Solutions, LLC (GA)

XXXX has taken control of this debt. Their number is XXXX. I am not working but I am trying to settle so it wont accumulate to more. I am trying to settle. I am trying to pay on it or make a payment and they refuse to listen to me or negotiate or help the situation. I keep getting told No its not enough I have to pay the whole amount. They are not trying to work with me. I am unable to get more credit because of this tarnish, I need more negotiation rights. I need help with them negotiating with me and listening to me. The representative is Not helping.She just keeps calling but not to help! It came on my credit report XX/XX/XXXX. Im trying to resolve, it by the end of XX/XX/XXXX, but there is no resolve, Agent keeps saying No to everything. Now we are in XXXX. I want to pay a reasonable amount and receive a letter stating its clear and removed from report. I want to pay the debt but Im not working so I dont have all the money, I have some and the agent refuses to take it.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent over 5 letters to XXXX, XXXX, and Transunion - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

A few months ago i noticed a collection account on my credit reports from  LVNV Funding. I had nev er received any communication from this company and my attempts to send them debt verification letters yielded no results. I had attempted to contact them  in  XX/XX/XXXX  and then again in  XX/XX/XXXX  and got  no response. Every time I dispute this account with the  XXXX  credit bureaus it always comes back verified.
Consumer complaint received 2017-06-09
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: WELLS FARGO & COMPANY (CO)

We filed a dispute with wells fargo on a charge the was fraud. We didnt open the account when I stated tha t Wells farg o aid since there ws a charge already placed on the account it will not be considred a fake account. I filed the dispute on  XX/XX/XXXX  they sent me a letter on  XX/XX/XXXX  stating they do considr the dispute fraud and charged the account back.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

1. I do not have a   contract with DIVERSIFIED CONSULTANTS INC  or  XXXX  because I did not open this account. I am not liable for collection this debt from  XXXX . I am not responsible for this debt.  <P/>  2. I have as ked  XXXX  and  DIVERSIFIED CONSULTANTS INC for validation for this account being mine and have received nothing but bill statemen t. THAT IS NOT VALIDATION!  <P/> **Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account.  <P/> Under the Fair   Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
<P/>
I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2017-06-09
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)

I observe a break-down/inaccurate process in Equifax 's procedures. They report that information on my credit-report as " factual ''. When in fact, Equifax has been requested to remove the entry from the " factual '' party. I believe Equifax 's authenticity process to be inadequate and ineffective.     I have  attached two documents : 1 )   XXXX  's confirmation informing Equifax of the unauthorized inquiry.  2 ) Eq uifax 's notice they have no record of  XXXX  's communication.  <P/> This same process with   XXXX   and Experian resulted in the accurate removal of  XXXX  's entry on my credit-reports.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

Chime Bank abruptly closed my checking account yesterday with no explanation and without giving me a chance to withdraw my funds which totalled {$5700.00}. I can not access my account any more. Access has been blocked. They won't even talk to me. I want my hard-earned money. They are stealing it.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This complaint is about my credit score. The two companies are Transunion and XXXX. I have established and maintained outstanding credit for over 30 years. I 've paid off 8 houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except one. I have and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are XXXX and XXXX respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to one of the companies today. I voiced my concerns. Number one, the person on the phone was unquilified and unable to help me get to the bottom of my complaint. Number two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in XXXX. The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
Consumer complaint received 2017-06-23
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: ORG GC GP BUYER, LLC (CO)

In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Credit & Finance, Inc. (GA)

My husband received crepeated calls today   X/X/17  from a lady that stated she was a debt collector and wanted to know if my husband 's wife ( being myself ) was embarrassed about a credit card debt that I have received no notifI cation about. They have not contacted m e until today when my husband tells them to contact me. I asked what this was for and for what charges. The lady responded with " our computers are down so I ca n't see the charges ''. I then asked that documentation be mailed to me personally and the response I received was that she could email me ( which I still have n't received ) I want this harassment to stop.
Consumer complaint received 2017-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I took out a refinance loan from   XXXX   XXXX   XXXX   (   XXXX   ) to pay off   XXXX   of  XXXX  of my federal direct student loans serviced by Navient. The loan was funded on  XX/XX/XXXX /17, and Navient indicates the payment was processed on  XX/XX/XXXX /17. The payment from  XXXX  to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX /17. I called  XXXX  to confirm the payment was sent to Navient with those instructions on  XX/XX/XXXX /17, and they confirmed this. I called Navient to rectify this on  XX/XX/XXXX /17, and they claimed they would now apply the payment to the correct loans.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (AL)

OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.