davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (OK)

Just today XX/XX/02, chase credit card has called my parents and released information that they are not allowed to release. 

My mother is not on the debt that I owe, and then disclosing the amount I owe is against the rights I have. 

They have also called more than once to locate me, which is again a violation of rights.
Consumer complaint received 2024-03-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (KY)

So my card was used on a Venmo account for {$830.00} to someone name XXXX I did not authorize this money to be sent I also do not have a Venmo account I am very upset because I feel robbed I tried to contact Venmo but dont have a lot of information about the payment they cant give me any information
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-04-07
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. (TX)

On XXXX. XXXX 2023, Equifax phone attendants fought me, and lied to me about not having received the identity theft report from CFPB when I sent it to the other credit reporting agencies. They were listed on the report. The inquires are fraudulent and they refuse to remove them. I have attached the identity theft report. They screamed at me and demanded that I write them a hand written letter with forms of id and bills associated, after putting me through a large battery of questions to verify my identity. Its exhausting how they behave. If these records are not removed, I expect them to be held accountable for violating my rights!
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Transunion in XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX 's response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX 's claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Transunion is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX, showing the false reporting.
Consumer complaint received 2016-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (VA)

I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. 

For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. 

Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. 

After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. 

Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. 

In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. 

If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. 

Thank you very much in advance for your assistance!
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/2021, XXXX XXXX, a mortgage lending credit and Verification service, was working with me and XXXX XXXX to verify that I am not disputing the debt with Portfolio Recovery. We are trying to verify and remove comments of disputes in order to finish for clear to close on my VA loan for a new home. Portfolio was very aggressive when we talked to them to the put that they did not want to verify that I was not disputing in their system unless I pay, they eventually said I was not disputing after talking to a supervisor then back to the agent. Comments were removed by XXXX XXXX and XXXX. Recently starting XX/XX/XXXX and XXXX, we have found Portfolio Recovery adding comments that I am In dispute Account Information disputed by consumer ( FCRA ) when they know from me and XXXX XXXX that I am not disputing the debt and lying on my report that I am. This is holding up my ability to complete my mortgage and clear to close on the house. I now have to contact XXXX  again to remove the comment and I have already told XXXX  on XX/XX/XXXX. I believe they are not following the FCRA and are in violation putting incorrect information onto my credit report. This has loss of cause time, stress, money, and my credit score for trying to complete the home purchase.
Consumer complaint received 2021-08-22
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. (TX)

I have tried to call Experian several times and no answer or I get voice mail. They are continues to report inaccurate information monthly on my credit card balances. On XX/XX/, the creditor XXXXXXXX XXXX or XXXX XXXX balance was XXXX instead of them reporting my account on the reporting date it was reported on the XXXX. I called the credit card company and was informed that they reported the correct amount which the amount reported caused my score to fall tremendously. 
This is an ongoing problem with Experian, also cards that has been paid off they continue to not update showing some have not been updated since XX/XX/. 
I tried to call and ask them to update my account per the closing date or report date by the credit card company and I never get a reply even by sending them certified mail.
Consumer complaint received 2020-09-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (TX)

Back in 2018, I had initially registered with the online XXXX University.. Unfortunately, they did not offer the classes that I was looking for, so I never signed up for any of the classes. I ended up signing up and taking classes at a different university. It wasnt until recently, that I noticed a collection on my credit report from XXXX and XXXX, XXXX, collecting for XXXX University, in the amount of {$2600.00}. 

When I called XXXX, and was finally able to speak to a lady there, she said that the reason for the collection was that I had signed up for a class. I told her the I NEVER signed up for any class with them, as they weren't offering the classes I needed. I did also do some research online and it looks like they are doing this to other people. 

Please help as my credit report is taking a big hit for a reported collection that i do not owe.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

The credit bureau stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 

RE : XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act 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 2020-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Went to XXXX XXXX College now XXXX university issued student loans with XXXX XXXX XXXX it had been discussed that some one from XXXX  XXXX XXXX employee gave them to an acquaintance of mine and they sold them to XXXX XXXX financial aid administrator XXXX XXXX guarantor said they weren't subsidizing the loans with the Department of education and XXXX said they never got a government guarantee. In 1990 I filed bankruptcy so at that time there was an issue if the student loans were federal debt or unsecured. I still owed according to XXXX XXXX. XXXX XXXX loans are being serviced by Navient. Reached out to their customer service it had been discussed those loans were private. I asked them for appropriate disclosure to this and they have not sent. On the promissory notes there is no address from the lender just a signature.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Privacy Assist contacted me that there was an credit inquiry from US SM ADMIN ODA for a loan. I called the agency and told them it wasn't me. They said someone applied for an SBA loan with my SS # and was denied. They then put an alert on the account. I put a freeze on Exp, XXXX, and XXXX. No sure if I did this correctly. Not sure what else I have to do?
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (GA)

I have reported ZWICKER & ASSOCIATES debt collector twice on your website. This company keeps sending me threatening letters trying to sue me. I explained in the past that my information was compromised and I been trying to correct the issue. Right now I'm dealing with Georgia Labor Department with fraud. 
Someone stole my benefits. I had enough of this company abuse. Please help me.
Consumer complaint received 2021-08-22
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. (MI)

I been paying on my accounts with XXXX XXXX XXXX and on time and more money to pay my XXXX XXXX off, my end loan personal loan down, and I been paying to get my credit card back down and I have disputed after dispute and i have emailed and mailed y'all company CFPB about all three credit bureau 's wasn't reporting right and XXXX still not reporting my credit right because out of all my dispute to XXXX my credit XXXX XXXX XXXXXXXX have received all the disputes from all three credit bureaus and XXXX felled to update all two loans and my credit card payments and now this is XXXX XXXX XXXX and XXXX isn't updating my payments for my credit score to go higher and I just paid off two collections that was reported on my credit report and no changes. I want XXXX  to get my credit report reporting correctly and update my credit score. I will be emailing or uploading documents from XXXX XXXX XXXX XXXX and from the collection agency to show I have paid them off and I also paid the XXXX XXXX with XXXX XXXX  XXXX off it was {$240.00} now it's XXXX owe.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a XXXX  credit card with Suntrust. The card did not allow for payments to be made online. The only way to pay the card was by telephone or by placing a check in the mail. I made a payment by telephone and received a letter in the mail informing me the payment did not go through. At the time I made the payment, I was told I did not owe a payment so I just figured I would wait for my next statment in the mail. After, not being able to use the card I call on XX/XX/XXXX and was informed I missed a payment. At this point I decided to payoff the card and close the account. I was unable to make online payments and get accurate information concerning the balance on the card and so I decided to just get rid of the card and close the account. I was given the balance on the account from the suntrust repersentative and gave by bank information over the telephone to pay and close the account. {$5100.00} was withdrawn from my savings account and given to Suntrust. The Suntrust representative closed the credit card account and applied the payment to an account that did not belong to me. I found out the payment was applied to the wrong account when I returned a call from Suntrust. I was told the situtation would be corrected and asked to file a complaint against the employee who applied my payment to an account that did not belong me. A letter was mailed to me from SunTrust on XX/XX/XXXX, stating that the balance was {$5200.00}. On XX/XX/XXXX, I receive a letter from Suntrust stating that the balance due on my card is {$5200.00} and that I have a past due amount of {$70.00}. They still have not correctly applied my payment. I reached out to SunTrust this morning, I'm told that in order to move forward with my call, I must answer two security questions. The first question was, " What is the credit limit on the credit card '' I don't know the answer to that questiong given that I closed the account and not able to look up that information. I was placed on hold and then latter told that a supervisor would call me back. I had given them my EIN number, the name of XX/XX/XXXXXX/XX/XXXX and provided the correct mailing address, but I can't move forward with my call because I don't know the credit limit on a credit card account that closed two weeks ago.
Consumer complaint received 2021-10-11
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. (MO)

In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if Transunion and XXXX had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a letter dated XX/XX/XXXX on XX/XX/XXXX from XXXX XXXX XXXX , XXXX that stated " On XX/XX/XXXX, your XXXX XXXX XXXX XXXX account was sold to XXXX XXXX XXXX, which is now the sole owner of this debt. XXXX XXXX XXXX , XXXX ( " MCM '' ), a debt collection company, will be collecting on and servicing your account on behalf of XXXX XXXX XXXX. Your current balance is {$1900.00}. '' I received a phone call from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 5 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 14 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 15 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received numerous phone calls from XXXX XXXX XXXX , XXXX between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was told that I now owed {$3000.00} and I if did n't pay it they would send the cops to my house.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NH)

I attempted to work with Fay Servicing for months to modify my mortgage because I had fallen behind. They scheduled foreclosure several times and I was able to have it postponed/ cancelled because I filed an injunction with the court and I also filed bankruptcy. The reasoning behind these two actions was to allow more time to work with Fay and obtain a loan modification. Fay is an extremely unprofessional and unethical business. They led me to believe they were working in my favor by asking for updated information in order to process a modification ( check stubs, bank statements, tax returns ). There was a foreclosure scheduled for XX/XX/XXXX and it was still held, even though they said they were working on a modification. I did some research on Fay Servicing and this is some information I found that applies to my situation. This is the webpage : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-takes-action-against-fay-servicing-failing-provide-mortgage-borrowers-protections-against-foreclosure/ - Consumer Financial Protection Bureau Takes Action Against Fay Servicing for Failing to Provide Mortgage Borrowers with Protections Against Foreclosure XXXX Fay Servicing to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices- Kept borrowers in the dark about critical information about applying for foreclosure relief - Illegally launched or moved forward with foreclosure process against borrowers who were applying for help - Offer borrowers opportunities to pursue foreclosure relief - Stop illegal practices and comply with mortgage servicing rules A copy of the consent order entered today is available at XXXX : XXXX Also, there was no legal notification in the newspaper for the XX/XX/XXXX foreclosure.
Consumer complaint received 2020-10-22
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.