davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

XXXX Navient has not participated in fair practices for repaying my student loans. I graduated in XXXX and have been paying for several years now with virtually no change in the amount owed on the loan. The original principal on the loan was {$20000.00} and was disbursed in XX/XX/XXXX. The payoff was set to end in XXXX but now has been pushed back to XXXX and the remaining amount on the loan is {$20000.00}. The worrying and upsetting issue is that very little of the payments have been applied to the principle. For example, on XX/XX/XXXX, a payment of XXXX was made on the loan, but {$110.00} went to the principal and {$280.00} went to interest. Another payment example was on XX/XX/XXXX where a {$420.00} payment was made on the loan, but only {$58.00} was applied to the principal and {$360.00} went to interest. More examples can be provided without hesitation as this has happened on every payment that was made since the first payment on the loan was made. It does not make any sense whatsoever that after paying on the loan since XXXX that there is no change in the amount owed. At this rate, I will be paying on this loan for the rest of my lifetime and is a prime example of predatory lending. I contacted Navient about this issue and received no resolution nor any answer to why more was applied to the interest and not to the principal. They offered no option of resolving this issue and left it as a " we're sorry but that's the way it is '' kind of feeling. Even on a so called " variable interest rate '' this should not be happening. This is beyond criminal behavior and for a family that needed help sending their daughter to post secondary education, we have been taken advantage of for over a decade from Navient. If nothing is resolved, legal action will be pursued and we will not be afraid to bring this to attention. Navient should do the correct thing by forgiving this entire loan due to unfair payment practices and taking advantage of yet another family.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

In XX/XX/2020 XXXX distributed a tax payment out of our escrow account to a property we don't own. The property has a similar address. They also made the correct payment for my home. As a result our escrow balance dropped and our monthly mortgage payment was increased several XXXX dollars to make up the deficit. XXXX did not correct the issue and in XX/XX/2020 we were sold to XXXX. 

I have sent all the information to the refund proxy department at XXXX in XXXX to try and recover the tax payment in the amount of {$2100.00}. They have yet to reply or contact me. Each time I try to follow up I receive a standard interim letter. I have provided them all the documentation. I have contacted the Town. We just want our money back.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IA)

I went to transfer my XXXX  to a XXXX XXXX  and Coinbase refused to allow me to send my XXXX  anywhere. They said I could sell it and transfer money, but I am not allowed to transfer it. I have requested information as to why and the only answer I get is that I am unable to because of security reasons. I ask to speak to a supervisor and they say no due to security reasons.
Consumer complaint received 2022-01-13
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. (FL)

No response from my written request to XXXX XXXX XXXX XXXX florida to validate the debt. I wrote experian asking to send me the results of their investigation on the account and still did not receive anything in writing regarding the account for XXXX XXXX XXXX XXXX florida for {$1400.00} on my report. No reply from either company is continuing to hurt my credit as a consumer.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (KS)

XX/XX/21 received a robocall regarding an old debt which was paid last year in full. The recorded message stated that my employer would be notified as well as the HR department and that this would be the only attempt the collection company would take to reach me to fix the situation. I called the collection company back on the number in my caller ID because the message went too fast to get written so it was the only number I had. When the phone was finally answered by the collection company, I was half way through explaining what I needed help with and the receptionist or whomever hung up after telling me that its my problem that I have the debt and I should have been writing as soon as the call came into my phone.
Consumer complaint received 2020-05-29
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 cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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. 
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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. 
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  PLUS XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I paid the account off in full per what the app said was due. The next month I got a statement for a fee. I called in because I had never been late nor had any fees. I was told I paid a day late. I asked if the fee could be waived because I paid the entire balance showing due on the app. I was told I would be contacted. I was never contacted until 8 months later. I was called and told I had an almost {$700.00} balance. I again explained the entire situation to the rep. i was on the phone with him for over an hour. He even stated the fees on the account were not correct but he wasn't allowed to touch my account. I have been charged fees on fees for something that was paid off. I never received any statements. I always paid what the app said I owed.
Consumer complaint received 2023-04-25
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

There are multiple addresses, inquires, and misspelled names that are attached to my credit report.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I contacted XXXX XXXX XXXX XXXX in XX/XX/2024 in an attempt to resolve a balance of {$28.00} showing on my credit report. Although I did not recognize this account debt or lender, I was willing to pay the {$28.00} to resolve it from my credit report. The associates I spoke with several times stated that this account has been charged off and there is no way for me to make a payment to them or any third party for the debt to be removed from my credit report. They stated the account has been closed and can't be reopened and there is no way for this situation to be resolved. When I disputed this account stating that I don't recognize it, they fought it and refused to allow it to be removed. In essence, they are holding my credit report hostage, by reporting the account as open, past due, charged off, and not allowing me to make a payment to resolve the account even though I don't claim ownership or responsibility. It is completely unfair that I would have to let this negative mark appear on my report and not be allowed to seek recourse.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

Purchased my car though XXXX XXXX 11 months ago. The company XXXX XXXX XXXX ) went under without notice to there customers. They sold the loans to Westlake Finance for collections. With the purchase of the auto they offered warranty and roadside assistance and rolled into the total loan. Upon call the warranty company I was informed that XXXX XXXX never forwarded any payments to them and they are not honoring any warranty. Upon calling Westlake Finance I was informed that they are not honoring the warranty and they are not lowering any payments for the warranty. I feel that this was an fraudulent loan transfer and needs to be investigated. Also there should be a stay on any loan payments and any type of repossession from Westlake Finance.
Consumer complaint received 2020-05-29
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. (NY)

Equifax has an account listed in collection on my account. The company reporting has yet to contact me regarding the debt. It has been listed since XX/XX/2020 on Equifax. A dispute was filed, they investigated and reported to me the debt was accurate. How can Equifax determine if a collection account is accurate if I was never notified and have not received written notice from the debt collector to verify it??
Consumer complaint received 2022-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MN)

XXXX XXXX XXXX are typically creditors, lenders, utilities, debt collection agencies and the courts ( i.e. public records ) that a consumer has had a relationship or experience with. Data furnishers report their payment experience with the consumer to the credit bureaus. The data provided by the furnishers as well as collected by the bureaus are then aggregated into the credit bureau 's data repository or files. The resulting information is made available on request to customers of the credit bureau for the purposes of credit risk assessment, credit scoring or for other purposes such as employment consideration or leasing an apartment.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2023-06-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I applied for a loan on Nelnet and was declined around XXXX XXXX I checked my credit report about a year later and I had two student loans from Nelnet. One was about {$4000.00} and the other was about {$2000.00}. I never received this money. I called Nelnet, they said they couldnt do anything. I tried talking to XXXX XXXX XXXX, there wasnt much they could do either. I tried logging into Nelnet to see if I had an account at the time. There was no record that I even got the money. I never received any emails, letters, nothing. It just appeared on my credit report. Please help me, it is ruining my credit.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America closed my checking account in XXXX I requested the monies in the account to be sent to Bank of America stated the mail me a check on XX/XX/XXXX I have never received this check I have made several inquiries into this situation to no avail. 
As of XX/XX/XXXX I still do not have this money the total = XXXX
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BOEING EMPLOYEES CREDIT UNION (TX)

I found out inXX/XX/2021, while applying for a school program someone had taken out three student loans in my name without my knowledge. The purported lender is Boeing Employee Credit Union. I immediately contacted them and was told I do not hav3 a loan with them. I asked for a clearance letter or notification In the system that I did not have any delinquent loans so I could pursue my career. They refused to give me one. Thus is NOT my loan. I have enclosed an identity theft package.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called a so call XXXX company about a payment that they email me that was going to come out of my account. Asked me to download a app in which turned out to be for him to see what I was doing on my phone. Told me my to go into my bank transfer money but that it was not going to go through. It turned out I was transferring money through XXXX to him. I immediately hung up once he said to go to my XXXX app. He called me Back really XXXX of why I hung up. I immediately called my bank to report but they said it was a valid transaction and that I was not going to get refunded. It turned out the money went to a XXXX XXXX XXXX bank. All this happened on XXXX of 2021.
Consumer complaint received 2022-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

An collection item was placed on my credit on XX/XX/21 and my score immediately dropped XXXX points. On or about XX/XX/XXXX, the item was removed from my credit report but my score, according to the app, hasnt moved in the upward direction. I called Experian and they stated my score did increase and to delete the app and reinstall, which hasnt changed anything on my score and was just a tactic to get my off the phone and show as a issue resolved for that representative. 

Credit Bureaus really need more oversight and monitoring by the federal government. They are receiving financial incentives from either the collections industry or creditors to treat the American people and our credit like XXXX.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have wrote to XXXX XXXX, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX demanding TransUnion to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as  no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to report a case of identity theft, as I recently discovered unauthorized XXXX XXXX and XXXX XXXX credit cards were opened in my name without my knowledge or consent. I have taken immediate steps to address this issue by contacting the respective credit card companies and placing fraud alerts on my credit reports. I am filing this report to request a formal investigation into these fraudulent activities and to assist in any necessary actions to apprehend those responsible
Consumer complaint received 2022-08-08
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions