davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (IL)

The School, XXXX XXXX Financial Aid Office, knew I had a complaint through studentaid.gov ombudsman and OCR. They did not want to give me my aid so they ignored my priority enrollment status and enrolled me in a late session, then they switched my classes without my permission to late courses that were bogus in nature. Then they submitted paperwork to XXXX and The Ombudsman that stated they gave me my aid when they were lying to them in the paperwork. They closed the cases and the SAME day they then reduced the loan after they claimed it was given to me, then did a 2nd credit check that was completely illegal to lower my score by 24 points in an attempt to deny me the loan, then claimed they were then giving it back after I reopened the case the next day. I still have not received the {$3000.00}. I received and approval and DISCLOSURE for. They did a fraudulent credit check that ruined my XXXXredit score. 

Experian did not report that XXXX did this to my credit when they did. They sent me a message saying I had a new score but refused to tell me WHO did it cause it was fraud on behalf of the school. I reached out them and asked them to fix my score and have not heard anything. Experian knew inquiries were supposed to fall off my report this month thereby increasing my score, regent illegally inquired about my score after already doing it this year and Experian did not report their fraud and lowered my score illegally and discriminately and never gave me my points for the other inquires that fell off this month of XXXX.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OH)

I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by DPT/ED NAVI.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (NV)

I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, XXXX, and Equifax, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX  Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (OH)

There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.
Consumer complaint received 2018-03-20
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. (CA)

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX  XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
Consumer complaint received 2017-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc. (FL)

Advanced collection was notified in XX/XX/XXXX that they were in violation of Fla Stat 559.715 ( FCCPA ) of the Fla sunshine law. Collector states they " supposedly '' sent assignment letter although they have no proof they ever sent said letter. 
Collector was advised that they had violated my rights by listing the " alleged debt '' on my XXXX n XXXX credit reports. Collector was further advised that said " alleged debt '' was beyond the 4 year statute of limitations to collect on a debt and furthermore collector has exercised no due diligence in attempting to get said assignment letter to myself prior to listing debt. 
Collector did try mailing myself something after being advised not to contact myself on said alleged debt on my second contact. 
Furthermore, whomever has my file violated both XXXX XXXX FDCPA law by uttering the statement " well if you ever feel like paying the doctor let me know. '' This is a harrassing statement as well as derogatory.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

On XX/XX/2020 chime bank closed my account at XXXX $ chime ask me to send in documentation to verify the funds in the account I sent legal documentation to chime numerous of times chime informed me that they could not restore my account and any funds in the account I should talk to the sender I have tried speaking with the sender they have yet to receive funds from chime its now XXXX again going on a year I havent received my funds from chime I have worked hard for my funds although with this change in my life I no longer have a job or home because of this I have told my landlord I would pay but I couldnt because chime took my money this isnt right now I am sleeping from house to house trying to get back on track I am sick I have gotten my attorney involved but that isnt something that I want to do but they are actually pushing it they dont respond to emails I have two complaints and my attorney is now working on this I dont want to move forward with this lawsuit at all but I have to do whats best for me If chime is willing to open my account back up and let me retrieve my funds I will stop the lawsuit I am putting against them I just need help with getting my funds back chime have no right to closed my account because of a amount that was deposited thats very hurtful
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The bank did not advise that my account is going to be negative do due to two transactions that was made back on XXXX. I understand my responsibility but the bank failed to let the customer know what is going to happen. On my case I will posted the money to avoid the fees. The complain is not about the $ XXXXwith anymore. the complain is to tell how to th bank manipulate lower income class people money and also how the representative for the bank do n't give a dime to help their clients. In my case I was baking for more than 12 year also receiving two direct deposit. Is very upsetting that the bank with all the money that make with my own money they were not able to help but the supervisor ( XXXX ) she very sarcastic told that she was very sorry and that she do n't even care if I 'm going to closed my bank accounts with Bank Of America but I have to paid the fees. 

I will like to be reach Thanks
Consumer complaint received 2021-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After making several calls to Transunion explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (GA)

Derogatory Information WELLS FARGO HOME MOR XXXX Mortgage XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX XX/XX/XXXX WELLS FARGO XXXX Mortgage Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time Equifax XX/XX/XXXX Same Goes for the Tax Lien that you have a copy for again and again I can send a copy of that too,
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, Transunion, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXXXXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

In XX/XX/XXXX I was a self-employed home inspector. The housing market began a sudden decline and as a result I started to become delinquent on my bills. I received a check in the mail, from Beneficial of Ohio, in the amount of {$5000.00} along with a letter stating that, Records indicate that I may need some financial help at this time and all I had to do was sign the back of the check and cash it to open my account with Beneficial Finance. I thought the low in the market was temporary and so I took the offer. 
Once I got behind on this loan the fees and interest rate started to build up at a very rapid pace and no matter how hard I tried to work with Beneficial the fees and interest kept outrunning anything I could do. In XX/XX/XXXX Beneficial received a judgement against me for the amount of {$6100.00} which was far more than the amount I owed on the original loan in which I paid on for a couple years. I tried working with their attorney, XXXX XXXX to no avail. They refused to accept any and all offers including an offer in XX/XX/XXXX for the full amount of the settlement. They have now filed for a Revivor and said that I will now have to pay over {$13000.00} to settle this amount. 
This original loan was predatory in that they knew I was having difficulties when they made the original offer and they have continued this predatory practice ever since by adding fees, cost and interest that make it impossible to ever pay off. 
I had a total of 9 creditors in XX/XX/XXXX and was able to avoid bankruptcy by working with each and everyone of these creditors. Some settled, some differed interest and penalties as long as I made regular payments, but I was able to work with them to do the right thing. I attempted to do the same with this company only to be called names and be told that they will get all their money plus much more by XXXX XXXX, who works for XXXX XXXX, the attorney Beneficial uses to strong arm their clients. 
I have never denied owing them the money I borrowed and I have tried to work with them time and time again yet they continue their loan shark type tactics to increase their own profits.
Consumer complaint received 2020-05-03
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. (AL)

XXXX, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (VA)

The Credit Card Company is Avant, my name is XXXX XXXX I have noticed on my statements I have been charged XXXX to XXXX interest each month on a XXXX balance. The company says there is no monthly fees, my billing date is the XXXX of each month. I paid in ful my previous balance on XXXX of XXXX. But I'm still being charged interest on that balance enough it has been paid before the due date. As of today XX/XX/2021 I paid the interest balance and closed my account.
Consumer complaint received 2020-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I have been fighting this case for over 5 years and this is the 1st time my loans were showing from XXXX XXXX college. I have written to Navient many times and the consumer protection bureau, Borrower defense to repayment, OIG the Ombudsman, I filed with FTC, the police, everything. You name it, I have done it and still nothing is being done about these loans that are not mine. The only thing that is happening is accrued interest. When I file a claim with the Ombudsman, they say they investigate the case and verify it and then it is closed. My complaint is with the Ombudsman with student aid for dropping the ball once again, and working on the side of Navient for misreporting these loans. I complained with FSA that they closed the case, and it was escalated to another review with XXXX who said I had 7 days to give them new evidence. 7 days after I have waited over 5 years! I have received 100 's of pieces of documents to comb through. I want them to stop sending me these useless documents that are already a part of the NSLDB and look at my evidence. She was supposed to get back to me last week on Monday and did not. I have not received any emails from her explaining what they are doing about my case or if they have received my information. From the information below, It clearly shows from my award letters that I only received 6 loans from XXXX not 11. Yet 11 are being reported with interest. When I spoke with the loan coordinator at XXXX they said they do not use account numbers, and could do nothing about it. I was like pulling teeth trying to get the information as no one wanted to be held liable.. Therefore since Navient won't remove the loans, it is the Ombudsman 's responsibility to protect the students welfare. I want these accounts removed immediately!
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-30
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: ENCORE CAPITAL GROUP INC. (NC)

On XXXX XXXX, 2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: NAVY FEDERAL CREDIT UNION (AL)

I have a Navy Federal Credit Card. Which I 've had for almost two years now. I apll applied for a credit line increase in the fall of last year and was denied. 
I applied again two weeks ago and was denied again. According to Navy federal I was denied due too excessive credit obligations and delinquent past or present credit obligations with Navy Federal. According to Navy Federal I was 11 days late in XXXX 2016 and 4 days past due XXXX 2016. I explained to the customer service rep. that I had more debt, a lower beacon score and a lower income when I was first approved for this card and I could n't understand why Navy Federal Kept denying me an increase I was even fresh off a BK chapter XXXX when I first got this card. I asked the customer service rep. how could this happen and she could not explain why.
Consumer complaint received 2021-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time or to my address.
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian has refused to investigate my credit file ( initially started XX/XX/XXXX ). XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules and subsequently the items in question must be removed. Please investigate this pattern of gross violations of my rights.

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX   XXXX XXXX-XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$9600.00} XXXX   XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$3100.00} XXXX XX/XX/XXXX {$160.00} XXXX   XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00}