davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

I currently have $ 97k+ loans with Navient alone. I am actually currently on a loan reduction program, but I am told that it will keep going up. They tell me that I can afford about $ 800- {$900.00} a month. I can not. Currently I am at $ XXXX/month but even with that, I am struggling. I have been paying off my loans ( after the 6 months grace period ) since XX/XX/2016 and my loans only keep going up!. My loans were at about $ 95K when I started in 2016 and now are over $ 97k+. I am assuming this is all because I am on the loan reduction program. I can not refinance these loans because my credit is too low. Trying to get this company to work out a lower payment plan is like pulling teeth. It took me a month of negotiating to get them down to $ XXXX/month, which I was told was a very special circumstance. However, that monthly payment is about to be up ( I am only on this plan for 6 months before it goes back up ). The worst part is, with doing this rate reduction plan, the interest accrues and my student loan bill goes up. I can not afford the regular price ( I was told it was roughly around $ 1300/month! ) I am swimming in debt. I am on time with everything but I get no where. My sister has gotten a call about a lawsuit with Navient. Not sure if it was a robocall or not or if it is even legit.
Consumer complaint received 2020-01-20
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. (PA)

My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account XXXX  and Transunion will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I called on XXXX XXXX, 2016 I called Capital One Bank to place a stop payment, they put the stop payment in and charged me a {$35.00} stop payment fee for XXXX XXXX in the amount of {$140.00}. When I check my account on XXXX XXXX, 2016 I saw that the transaction was pending in my account, I spoke with a manager by the name of XXXX who assured me that the transaction will reject at processing and my funds will be available in the morning. When I checked my account on XXXX XXXX, 2016 the transaction posted to the account and I was charged a {$35.00} overdraft fee. I called and spoke with a manager and she told me that the transaction had to post and that the funds will be available Tuesday because of the holiday. I explained to her that I was told something different. I hung the phone up called back and spoke with a manager by the name of XXXX who told me that the transaction should have stopped and I have to speak with someone in claims to file a claim. She then transferred me to claims and I spoke with XXXX who told me that it would take 10 business days for the money to go back in my account after they complete their investigation. I explained to her that, that was unacceptable I had no money and I should not be inconvenienced because Capital one made an error, I then spoke with her Supervisor who in turn said that I would have to wait 10 business days. I then asked for the number to the office and he got me back over to XXXX who said that she took down my information but it was nothing they could do about getting my funds back sooner. This is the second time that this has happened with Capital one Bank, it 's the holiday weekend and I have no money due to there negligence and they wo n't do nothing to correct their mistake. The customer has suffer and be penalized for Capital One Bank 's error
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (NY)

I believe I qualify for this settlement. I was a subprime customer, high-risk for defaulting my loan. I had a really low credit score that was denied by every bank but Santander. Santander wrote me a contract with a 24.99 % APR, knowing very well that I would most likely have to default. Well come the pandemic, I missed some payments and without hesitation they charged-off my loan. It doesn't end there, after writing off my loan, they continue to request payment with interest, so that I now owe the money for my loan and apparently am expected to pay them as well with interest, but they confirmed they wouldn't report my payments to the credit bureau. My credit score is ruined, I am in debt, and I don't understand how I would not qualify for this settlement. They ruined my life. I now have a derogatory mark on my credit for seven years, where I can't get a loan for anything as of now to better my situation. I'm stuck.
Consumer complaint received 2020-06-26
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. (NV)

I checked my credit file through experian.com. 

There are three late notices on my account that are incorrect. 
One for sure should not be there due to a discharged bankruptcy back in XXXX. 

The other two late notices should also be removed due to XXXX policy. 
Late notices will not be reported if you we're late within the first three years of your account being opened. 

In the first three years they have been contacted I have received extensions and I've exhausted all of the things required. 

I also paid the bills that were due ... 
At this very moment I shouldn't have any late notices ... 

Under XXXX XXXX XXXX which is where I have my vehicle loan. 
The comments area, says STUDENT deferred loan. 

This should be REMOVED due to it being a vehicle loan. 
ALSO I NEVER HAD A STUDENT LOAN. 

I am currently on hold with Experian. I requested the DISPUTE DEPARTMENT. 

The lady who answered my call FAILED to give me her name. So that she could be easily tracked, I will not disconnect and call back! 

She will be the very last person in my account as of XX/XX/XXXX. 


My call begin at XXXX XXXX Pacific Standard Time due to her not being able to assist me, I asked for a supervisor. 

She became angry and placed me on hold. I have been placed on hold since XXXX XXXX   Pacific Standard Time. 

This unprofessionalism is the reason for my complaints today. 

Unprofessionalism from an Experian agent ONCE AGAIN! When all I'm trying to do is protect my credit and personal information. 

There is a bankruptcy on file so there shouldn't be any issues with disputing things that should have been removed when it was discharged. 
Simple corrections or deletions due to errors should also be easily removed. I shouldn't get any grief by these so-called agents. 

There has been no update and I am still on hold with Experian ...

Dispute DEPARTMENT I am sending this complaint right now at XXXX XXXX because that is when someone disconnected my phone call.

So I've held on the phone alone with no update from XXXX XXXX  Pacific Standard Time to XXXX XXXX until they disconnected my call. 

I don't need any apologies, I'm not accepting any excuses, there was no misunderstanding just an unprofessional dispute agent who couldn't do her job!!! 

I asked for a supervisor and never got one!
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (FL)

The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from Radius Global Solutions LLC in XX/XX/2019 in the amount of {$480.00}. First and foremost, I have confirmed that the debt collector, Radius Global Solutions LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Radius Solutions LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Radius Solutions LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Radius Global Solutions LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$430.00}.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to XXXX, Experian, XXXX and to guys concerning my issues.
Consumer complaint received 2020-10-20
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-11-05
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. (NY)

I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}
Consumer complaint received 2021-02-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I received multiple student loans under Navient from XXXX XXXX XXXX XXXX in XXXX for their XXXX  program. However, in XXXX the school was shut down and I was unable to finish their program to get certified and was left to pay off the debt of {$30000.00}. These types of schools are prey on low income community members to incur big debts and no certifications.
Consumer complaint received 2022-09-11
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. (NC)

I am resubmitting this complaint be issue Experian closed it and it was not completed nor satisfied to what was needed and requested.. I am including in this the items they requested. ..This is not a duplicate, who allows them to close it just because they said its closed when its NOT!. 

..I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. This includes all some have multiple entries. 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 Experian 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 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file if the information is outdated/ incorrect under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to accurate information from all three credit bureaus and I am aware that I have items missing from some bureaus that are, in fact, on others. Please send me proof proof of my debts from all bureaus or remove this account from my credit report for inaccuracy. I request that all future correspondence be done through email.
Consumer complaint received 2020-07-14
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I saw on my credit card statement In XX/XX/2020 XXXX billed me {$1.00} and they billed me {$2.00} and then I saw several months billed at XXXX each. I did not authorize or used their service. I have six months of charges on my credit card totaling {$230.00}. Since i did not authorize these charges and did not use their product or service and was unaware that I had subscribed or ordered it, I disputed the charges. Capital One credited my account and cancelled the card and paid off my balance. I thought it was taken care of until I get a late statement and finance and late fees on my final bill. Capital One placed XXXX in addition to late fees on my final bill. 

I did an email search on XXXX  and I saw a welcome email that said I subscribed to a five day trial, The email was dated XX/XX/XXXX, and on XX/XX/XXXX I simply replied to the email to cancel any subscription. I forgot about it as I never authorized, used or was aware that I had a subscription until I saw my XXXX Capital One bill. 

The XXXX XXXX XXXX gives this company an " F '' and the internet is full of reviews and scam alerts. 

I did not authorize these charges, use their service or was aware of my relationship with this company. Please help me. I am retired senior citizen on a small fixed income and can not afford this charge.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Account has been paid off and I have not used nor applied for another card. The account has an open credit limit of XXXX from XX/XX/2011. Please remove from my credit report. I have not and will not use this card.
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the XXXX XXXX XXXX XXXX  in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.