davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

Good Morning Navient! 
My name is XXXX and I obtain a loan from you to complete my XXXX at XXXX University, beginning in XX/XX/XXXX. Upon graduating in XX/XX/XXXX, I accumulated {$40000.00} worth of student loan debt and I also graduated un-employed. From XX/XX/XXXX XX/XX/XXXX I suffered from harassing phone calls and threats at the hands of XXXXNavient to begin repayment. Unfortunately, I was still unemployed and this added XXXX did not help. I returned to school in XX/XX/XXXX and it was then I was granted relief through a forbearance. Upon completion of XXXX school in XX/XX/XXXX, I was underemployed and still unable to make payments. I began making in XX/XX/XXXX, but only after threatening phone calls and harassment. It was then I learned that my debt had doubled to {$85000.00} through compounded interest rates and fees. I have struggled to pay since XX/XX/XXXX and but have succeeded in not having a late payment. Because of my credit and payment history, I recently began receiving inquiries to transfer my loans to another servicer for lower interest rates and less terms. 
I know beyond a shadow of doubt that I am the victim of Navient misallocating payments, being steered and automatically enrolled, without consent, toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. I would like to opportunity to move on with my life without Navient. Although I have maintained a good credit and repayment history, based upon lawsuits currently filed, it 's in my best interest to default and declare bankruptcy. I have already payed over {$35000.00} to you, faithfully.
Consumer complaint received 2022-10-02
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. (GA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-02
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. (CA)

the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in XXXX date opened XXXX while in XXXX says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions, Inc. (NC)

XXXX XXXX XXXX XXXX showing for {$55.00} Original was purchase by Receivable Solutions and I paid in full {$400.00} on XX/XX/XXXX for all medical bills to Receivable Solutions for this collection.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (CA)

Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX
Consumer complaint received 2016-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (AL)

Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NV)

I received a letter from Synchrony Bank on XX/XX/22, stating that a cease and desist was notated on my account, upon my request. However, the phone calls are still coming from the bank. The individual name is XXXX XXXX, XXXX. 

The promise made by XXXX XXXX, Senior Specialist on XX/XX/22 isn't being honored. 
The letter also stated that my solution to charge off the account couldn't be honored. However, there was no explanation given to cfpb. And I would like to know why? 

An Alternative solution is a settlement for partial of the due balance. I explained that I do not have unemployment benefits. This would be an ideal solution. Considering the circumstances of financial difficulty.. 

I would like the Specialist in a letter to the cfpb specify why they denied a charge off. And consider a settlement under my special circumstance. XXXX claim to be compassionate and understanding towards the needs of the customer and has plans to assist. But do not qualify for any of them as discussed with an agent. 

So, XXXX assessment is inaccurate and a settlement would suffice during this current moment of crisis. There's no way that I can keep up with the mounting late fees and interest while under financial hardship. 

If a settlement offer is rejected. I would like an explanation letter to CFPB as to the outcome of Synchrony decision.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2020, I withdrew {$45000.00} from my XXXX XXXX   Account and transferred it into my J.P. Morgan Chase accounts ending in XXXX and XXXX. 

Chase gave me access to that money. Then, Chase performed a debit return. The money was transferred back into my XXXX XXXX   with the joint holder. 

My Chase accounts went into the red, and I had to deposit money to get them back to a surplus.

My Chase accounts are still frozen. Chase has blocked me access to my own money, even if I try to retrieve it from the branch bank.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RentDebt Automated Collections, LLC (MO)

My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. 

This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (CA)

On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against XXXX because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of AFNI , INC has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

AFNI Account Number XXXX XXXX
Consumer complaint received 2022-07-21
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-08-04
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. (FL)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have an auto loan with CapitalOne Auto Finance. I have been paying more than the monthly payment to get the principle down faster so I can get the vehicle faster. Every month the principle amount is up a little and the interest amount is higher. I have called them serval time. I get told that the interest is done on a daily bases. Something seems wrong.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

I had inquiry on my credit report saying that I applied for chase bank credit card ( XXXX ) i tried to call them to inform them that this was n't authorized by me so they can take it out from my report so they refused saying i have to wait until XXXX 2018.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/22 my credit cards were stolen from my vehicle. Police report made. All credit cards contacted immediately advising of the stolen cards to cancel them. There is one fraud charge still on my Barclays XXXX XXXX XXXX. I have made over a dozen calls to them to fix this. All they do is send me a new card. There is still {$28.00} fraudulent charge from XXXX gas station on my account, they are now charging me interest and late fees. Every time I call I get the run around and then they disconnect my call. I am desperate for help at this point.
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ballybunion Enterprises, Inc (FL)

Freedom furniture and electronics showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from Freedom to another company security credit services ( who never contacted me ) and sold again to Military credit services and now sold to another company XXXX XXXX XXXXXXXX XXXX. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????
Consumer complaint received 2022-07-21
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: Colony Brands, Inc. (MN)

Montgomery Wards is reporting negative information on my credit report that is not mine. The social security number is not mine and they continue to report negative information on my credit report ( XXXX ) every month for the last year and continues to do so even with letters and filing a complaint. I would like this removed since this is not my account and never has been. Montgomery Wards even told me that it was not my account but still continues to report it on my credit. Also, the account belongs to XXXX XXXX XXXX and I am XXXX XXXX XXXX, last name spelled different.
Consumer complaint received 2022-07-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC (PA)

I refinanced my XXXX XXXX mortgage with Top Flite Financial recently. Top Flite requested a payoff, XXXX sent it, and Top Flight paid. I received my disbursement, and now XXXX is saying that {$1300.00} is still owed. 

This is money that should have went to me, and should not have been paid out, and certainly not owed. 

I would like that {$1300.00} refunded to me, as the payoff conversation occurred between these two companies, I should not be penalized by one of their mistakes. I am supposed to start paying Top Flite, but yet XXXX says I still owe, how can this be?
Consumer complaint received 2017-03-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I have had a Home equity line with Regions Bank since XX/XX/XXXX. I decided to close the home equity line because they were charging me {$50.00} fee to keep it open. They sent this charge to their collections and reported it to the credit agencies after they gave me a written promise to wave off the balance to this fee back in XX/XX/XXXX. The letter was from XXXX, senior Vice President for collections- XXXX. This has affected my credit score ( XXXX to XXXX ) negatively. I have been to the XXXX Branch of Regions twice and each time they promise to close the equity line. I have called XXXX and disputed this late charge. 
One another note they did not report interest on my mortgage to the IRS in XX/XX/XXXX only send me a letter in XX/XX/XXXX that they had made this mistake.. I had get my accountant involved because of their mistake.
Consumer complaint received 2020-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (PA)

e tried to call to get help as my son make XXXX $ an hour and is only part time due to covid. we tried to call to get extra help but kept getting hung up on. I found out a number calling me was them but every time i answered for 3 weeks they hung up. So i stopped answering now they blow up my phone leaving messages everyday but will not answer employee XXXX. if I answer this is harassment. My son has XXXX XXXX and XXXX  and has a hard time understanding the loan so I help him ans Sallie Mae  acts like they can not hear you after you ask for a manager. I said since you can hear me people need to talk when they call my phone that is how help is not of we called they didn't answer oh well that Sallie Mae trying to play games. This is not fair for a young man who is having a hard time. There customer service XXXX.
Consumer complaint received 2022-07-21
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. (MS)

This is my 9th attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2022-07-21
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX  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 XXXX. 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 XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-21
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. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX FL
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (CA)

XXXX was compromised which put my identity at risk exposing my information and making my accounts overcharged or missing money.. unknown wire transfers and purchases I didnt do. It was as though it was masked. I am trying to get back on my feet and fix my credit. I got a background clearance and my credit cards are all on hold. It's very frustrating