davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
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. (NC)

For years I struggled managing my debt. In XXXX I was contacted by Navient. They helped me process a payment schedule based on my income. The result was a XXXX  montly payment for two years, while the interest accrued. Then in XXXX XXXX, Navient offered me an XXXX of XXXX on XXXX worth of consolidated loans. I do n't see how I will ever pay this debt off.
Consumer complaint received 2020-04-18
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: Bread Financial Holdings, Inc. ()

Hi I applied for a Forever 21 card while on holidays in Hawaii. I made a payment of the balance and the check from my bank was not received resulting in a {$5.00} late charge and a fee. I provided copies to the credit card company of my payment. After calls, I was assured ALL fees and charges would be reversed. I paid the online payment that day through their online portal. Subsequently another {$5.00} charge was issued. Since I was told ALL charges would be reversed I did not even check the statement expecting no balamce. Then I looked a couple of minths later at me estatement and saw a balance. I called and they reciewed and even though I was told ALL charges would be removed, the call got disconnected and when I called back the new woman stated an amount including the {$5.00} which I did not catch. They are arguing that I should have paid an extra {$5.00} ( even though I was told ALL charges would be reversed and this second {$5.00} was not even on my account at the time THEY are WRONG! I want thos {$5.00} fee late payment removed from my account and to know what options I have to further complain about them.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act that may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XXXX XXXX XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew. 

Thank you for your consideration in this matter. 
Sincerely,
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Company will not remove PMI in a timely manner even after being forced personally to file a request for PMI removal. The home reassessment from the town has been provided even though this should have been automatic since the the owed balance is less than 75 % of the home value. This has resulted in me paying three months of PMI for nothing and the company will do nothing about it. 

Also, The mortgage company has not provided a reassessment of my escrow amount. I have had to ask 5 times for revision and on the final time they somehow reduced escrow even with the increase in taxes and this being new construction and previously being assessed as land only. I now have to manage my own separate account for escrow and have already been sent a supplemental tax bill from the town that I had to pay directly. 

Company is unresponsive, the website doesn't work properly ( today I couldn't pay my mortgage payment for over an hour due to website errors ), and customer service is rude, confused, and uninformed.
Consumer complaint received 2021-10-12
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. (AR)

Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$8500.00} https : //www.identitytheft.gov/ # /confirmation/genericsteps Page 1 of 3 XXXX XX/XX/XXXX, XXXX XXXX  Medical Services Obtained by the Thief Company or XXXX XXXX Organization : ADJUSTMENT C ( Original Creditor : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Other Identity Theft Company or Organization : Account Number : XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1000.00} Total fraudulent amount XXXX Date fraud began : Date that I discovered it : Fraudulent Auto Loan or Lease Total fraudulent amount : {$5700.00} Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$41000.00} Fraudulent Auto Loan or Lease Company or the company Organization : Fraudulent Information on Credit Reports https : //www.identitytheft.gov/ XXXX XXXX Page 2 of 3 XXXX XX/XX/XXXX, XXXX XXXX Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX Employment Information : VA COMPENSATION, XXXX XXXX
Consumer complaint received 2023-02-23
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. (FL)

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 an account without my written instructions.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

First a little background. I opened an account with Best Buy on XX/XX/2014 for the purchase of needed equipment. As required by the account terms and conditions I paid off the account when it was no longer needed. I had not used the account after the final payment and no longer thought about it. I was not made aware of any issue until I started to work on the purchase of a residence. To my shock a derogatory matter appeared on all three credit bureau statements. 

At no time had I been contacted by Best Buy/CBNA via any means regarding this problem. Not e-mail, telephone, snail mail or any form of communication if I had I would have been able to either prove payment or provide funds to cover amount. 

I immediately began trying to contact Best Buy/CBNA via mail, e-mail, telephone and social media with no results. Every telephone number listed in various reporting agencies has not worked. As a matter of fact, several just drop several are no longer in service. Just tried to contact you using the most recent number ( XXXX ) XXXX XXXX waited over 30 minutes and nobody picked up. Since CBNA has several office locations I tried them all which once again proved to be fruitless. The bureaus show that the account was closed by you with no information as to when it was closed yet you have been reporting to all three agencies, monthly, with late payments reaching back several years. If this account was closed by you how is it that you have been showing late monthly payments.

The amount shown as being late is a paltry {$55.00}. With a credit limit of {$750.00} do you really think that I would not pay a small amount. Although I do not have bank records going back that far I know that all payments were made to you on a timely basis. I insist that Best Buy/CBNA remove the derogatory remark ( s ) on all major credit bureaus.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (NC)

In accordance With the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-26
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. (NC)

In accordance With the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-08-02
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. (UT)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-10
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: EQUIFAX, INC. (AL)

I have a problem filing a dispute or checking the status of a dispute with Equifax .I have told them about it repeatedly but nothing is ever done about it.It always kicks me off of the webpage stating that the information I entered does not match their records.This forces me to have to call in every time and talk with people who are speaking an alien language waisting my time.I enter the correct information every time.I am sick of it.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Credit Analysts of MN, Inc. (OH)

Two collection accounts appeared on my credit report from Professional credit analyst with the date of XX/XX/2018. The collection account belongs to XXXX XXXX XXXX. I have no knowledge of this account. After attempting to get the debt validated by the collection agency with no success, I have filed a complaint with the XXXX  and consumerfinance.gov in hopes to get these collections removed.
Consumer complaint received 2019-03-10
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. (FL)

I submitted a written request to equidax t investigate XXXX XXXX/XXXX   XXXX to submit signed document per validation since the year XXXX. No information was supporting documents validating I own this account has ever been sent. I am unable to do dispute online this creditor due to re-investigation STatus remark which denies me to re submit online dispute since XX/XX/XXXX therefor my right to dispute has been denied to me. I called equifax and spoke with XXXX XXXX 0n XX/XX/XXXX who advise XXXX  XXXX XXXX XXXX  and XXXX will be deleted due to statue of limitation and they are passed the deadline for investigation, the confirmation he provided me with is XXXX. The representative basically lied and all has been done is a deletion of the remark has been removed and not the the account collection. I am requesting for equifax to accept responsibility that they have reached the proper deadline and are over the limitation to re investigation for over a year of re- investigation status. I am not allowed to file a disputes over the phone by mail and by internet each options has been denied with remark account under re- investigation. XXXX the customer service agent did not delete as provided on the phone call he just deleted the remark which is very deceptive. Please also reference credit report XXXX on XX/XX/XXXX that has remarks as well account under investigation until current. They were unsuccessful in the investigation they have not provided validation of these fraud accounts as promised. I am requesting to remove/delete entirely due to statue limitation has been reached.
Consumer complaint received 2017-12-15
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Student Loan Assistance Center (NY)

I received a phone call supposedly from the dept of ed in regards to my student loans. I was told that my loans were past due and that it would affect my credit. I was also told that I could be eligible to make lower monthly loan payments based off of my income. The person who called knew all of my personal information. The rep helped me to set up automatic payments to be withdrawn from my account before it affected my credit further which we did. 4 payments were deducted from my account in the amount of {$160.00} for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Turns out this money was never applied to my student loan balance at all but was a scam from a third party. I have contacted my bank to file a report which an investigation will be conducted.
Consumer complaint received 2021-02-10
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: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1100.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Neon Newco Corporation (WI)

Negative Balance Notice-Action Required XXXX  XXXX XXXX  XX/XX/2019 XXXX XXXX   Inbox To : XXXX ; Dear User, We wish to notify you that activity on your card account has resulted in a negative balance on your account for XXXX consecutive days. You may be required to resolve the negative balance to continue using your account, and you may be prevented from opening future accounts that are managed by NetSpend. 

Please fund your account as soon as possible so that you no longer have a negative balance. 

Sincerely, Your Customer Service Team
Consumer complaint received 2018-12-05
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/XXXX XXXX/XXXX.
Consumer complaint received 2019-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IA)

I noticed at the end of last year that I had a series of false debts on my credit report, that collection agencies are attempting to collect from me. These debts all occurred around the same period of time. The 3 companies are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
I was able to call XXXX and ask them specifically what info was in the account and I ended up finding out that my older sister had used my name SSN and DOB to get cable at her apartment. They said If I were to file a police report and give proof of report they would remove debt. I filed a police report and before turning it over to them I noticed they were nice enough to have already removed it. # SOLVED The XXXX XXXX was previously a XXXX bill apparently. My sister or also is the culprit for this as well. I've never had a phone in my name by XXXX. I attempted to dispute with this XXXX XXXX XXXX through XXXX and XXXX, letting them know of the situation with XXXX and stating that I have been a victim of identity fraud by my sister. They didnt even attempt to contact me or look into anything. # UNSOLVED I'm tired of them trying to get me to pay for this when someone took my personal info and breached my personal information. I feel violated.
Consumer complaint received 2019-03-10
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: U.S. BANCORP (IL)

Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.
Consumer complaint received 2021-10-12
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: Experian Information Solutions Inc. (TX)

I submitted an online dispute with Experian on XX/XX/2021 for the XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 9 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these unknown account from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.
Consumer complaint received 2019-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, Bank of America accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.