davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (OH)

I had a really hard time finding a job out of college and Navient exploited the situation. They continued to say that I did n't qualify for forbearance or deferment because I used everything up while in school. They then would not allow me to enroll in income based repayment saying that my loans were n't eligible. I have over a years worth of late payments, around 75 because they reported each loan individually so I was late 11 times each month. I can not get out of my parents ' house now. Rent is too much and a bank will not loan me money for a $ XXXX house due to the late payments from Navient. They ruined my life over me not being able to find a job that would pay me enough to pay them what they wanted. On top of that, they take the minimum amount of money and apply it to my loans with the lowest interest rate. My loans with the highest interest rates barely get anything applied to them. Every year my principle balance goes up and I pay half my pay every month to them. I will never get my loans paid off at this rate.
Consumer complaint received 2022-03-29
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX XXXX
Consumer complaint received 2016-06-05
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (MA)

My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

I sent letters to each credit credit bureaus ( Experian, XXXX, XXXX ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/2023 Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NE)

I cancelled a cell phone agreement after the contract was up, and was charged a cancellation fee. I cancelled the phone in 2004, and was willing to find the collection companies because I knew my contract was up. I have a file with all the demands from XXXX, as well as all of my response letters. I have written in response to at least XXXX different collection companies and have never received a response or verification of a contract or any debt owed. 
I have been getting these demand letters for the past ten years. Enough is enough. this is harassment.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX account has sent to collections an amount of approx {$140.00} from approximately XXXX XXXX ... because in XXXX of XXXX I upgraded my 15+year account with att ( phone & internet ) & the company - for reasons unknown to me, created a new account number. I continued to pay $ $ on the old account # for several months, not realizing a new # had been created. After several months, i realized what was happening & contacted XXXX XXXX XXXX to resolve the issue & transfer all $ sums that had been applied to the prvious acct number to their newly created acct # ... subsequently, I had several telephone conversations with customer service as well as XXXX XXXX XXXX accounts Receivable departments because THEY did n't get it corrected ... finally I was assured by XXXX XXXX XXXX reps that the accounts were reconciled and all payments to the previous account were transferred and applied to the new account #. This activity transpired between XXXX XXXX & XXXX XXXX ( or XXXX XXXX ) ... 
From that point on, I continued making payments on time to the correct XXXX XXXX XXXX account and am currently up to date ... .however ... apparently the employees at XXXX XXXX XXXX do not correspond and or communicate account activity & that they had rectified the " past due '' pmt issue on the old acct. so in the XX/XX/XXXX I began receiving telephone calls from various numbers ( the collections agency people ) about this so-called past due account ... during the first several calls, I attempted to tell them that this account was in fact paid up and current, and that I had had MANY conversations with XXXX people to ensure this ... but the calls continued ... because they do n't listen to me. I am paid up on that account. The Collection was created, because of inept employees within XXXX XXXX XXXX not communicating and/or appropriatly documenting the events in the case. I therefore deny the validity of the Collections claim. 
XXXX XXXX
Consumer complaint received 2022-09-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 2022-08-10
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. (WA)

People of United States of America, XXXX, XXXX XXXX, XXXX  XXXX of the United States, non-citizen, native Georgian, surety of the XXXX XXXX XXXX XXXX, demand my right to privacy. 

On XX/XX/2022, by certified mail number XXXX XXXX XXXX XXXX XXXX , People , XXXX, XXXX XXXX sent EQUIFAX notice of the corporations invasion of privacy pursuant to the Fair Credit Reporting Act. 

All information was received and signed by " XXXX '' on XX/XX/2022. 

The Inaccurate Consumer Report in dispute has not been properly updated, given the instructions to remove and delete private information inside said notice to EQUIFAX. 

I demand Equifax remove all private accounts and inquiries for failure to use their grave responsibilities to ensure the accuracy of the report being reported. I do not and have not ever consented to any information Equifax reports.
Consumer complaint received 2017-10-15
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. (GA)

I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an dey the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a one collection notice on XXXX XXXX, XXXX from XXXX XXXX XXXX. The collection notice was for XXXX XXXX in XXXX - XXXX XXXX XXXX, XXXX, TN. These medical bills were paid or written off. I 'm a XXXX Veteran. The VA pays all my non-VA medical services. I filed a claim per VA guidance and never received a bill from this facility or physician. 

When I contacted XXXX XXXX, they had changed their name to Wakefield and Associates. I wrote them a denial/dispute letter on XXXX XXXX, XXXX. I have not received any contact from Wakefield. I sent the dispute/denial letter certified mail. Wakefield received the certified letter on XXXX XXXX, XXXX, at XXXX XXXX, signed by XXXX XXXX. I have the scanned signature. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX, then XXXX. I was informed that I had XXXX bills from XXXX XXXX Hospital. I was told a supervisor XXXX XXXX XXXX would call me on XXXX XXXX, XXXX. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX was going to review the XXXX FAX I sent Wakefield, and call me back at XXXX XXXX to discuss. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX tried to get me to pay and I reminded him this account has been disputed. XXXX said he would forward me call to a supervisor. 

Basically this is a " ghost '' account. I used a local hospital, my XXXX covered the cost and the VA covered my deductibles and any other charges. 

I contacted XXXX XXXX Hospital on XXXX XXXX, XXXX, which I learned is now XXXX XXXX. I spoke with XXXX in patient accounts. She was able to pull up my services received for year XXXX. There were only 2 days of service, both in XXXX XXXX. They have been paid. I ask her to look up any service dates on me. She said there were only XXXX, XXXX in XXXX and XXXX in XXXX. Both have been paid at the time of service. XXXX is going to mail me these records ... because of XXXX laws she could not scan/email or fax. 

Please help me get these accounts off my credit report. Wakefield does n't seem to care or have any intention of having these removed. Why are these type of companies never held accountable? I 'm trying to work on my finances and keep a great credit rating for a large purchase soon, but this cost me XXXX points on my credit rating. This means a lower interest rate, or no financing at all ... basically this mistake is going to either delay my purchase or cost me money. 

Thanks in advance. 

XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows : 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  Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

XXXX XXXX
Consumer complaint received 2019-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Chase was asked to remove my data from their Data Matching Program, stop levies against my account and property and stop participating in the child support collections activities for profit. ( Please see letter dated XX/XX/2019 and please see attachments in PDF as uploaded 30 pages total. )
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Bureau Services Association (TX)

CBSA IS A THIRD PARTY COLLECTIONS AGENCY, WHEN I CALLED TO INQUIRE ABOUT THIS COLLECTION THE LADY THAT I WAS TRANSFERRED TO TOLD ME WHAT PROCEDURES WERE PERFORMED ( WHICH WAS XXXX ), WHAT TIME AND DAY THE SERVICES WERE AND FOR WHAT MEDICAL REASON I HAD TO SEE THIS DOCTOR. THIS VIOLATES HIPPA AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. I DID SEND HIPPA LETTERS TO CBSA AND THE CREDIT BUREAU 'S AND THEY SAID IT WAS VALID, AND DID NOT SEND A SIGNATURE OR ANY OF THE OTHER REQUIRED INFO. ALL THAT WAS SENT WAS A ITEMIZED BILL. PLEASE RESOLVE THIS MATTER.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (VA)

XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. 

We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. 

I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. 

In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. 

XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.
Consumer complaint received 2023-04-17
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: 1st Franklin Financial Corporation (GA)

Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : 1st FRANKLIN FINANCIAL BANK balance {$1600.00} 30 days late Thank you, XXXX XXXX
Consumer complaint received 2022-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America XXXX Bank of Ameri Rewards Card. 
My family had paid for services from a moving company on ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) on XX/XX/2022. The company damaged many of our items with over {$2500.00} in total damage. We reserve the right to withhold payment through Bank of America Credit Card. We are reseriving the right to withhold payment due to the servicing company refusal to fix/repair the damage they have caused. Bank of America has forced the charge to go through of {$1100.00}. They also have denied our claim without taking our rights into account. The funds need to be returned to pay for damages caused by the servicing company ( XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

There were purchases made on my Home Depot card that I did not make. I only shop at the Home Depot located in XXXX NY however there were charges made fraudulently online and elsewhere that I have no knowledge of. These charges were made using an email and phone number that is not mine. Home Depot denied my claim.