davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I have been charged extremely high capitalized interest to loans in times of hardship and I believe the interest rate is extremely high. Please help me. I owe nearly twice the amount I borrowed even though I have paid for years. 
Thank you
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

TO WHOM THIS MAY CONCERN : I have been informed that I have negative information reported by XXXX XXXX XXXX XXXX in the file you maintain under my social security number. Upon ordering a copy of my credit report I see an entry from this court listing filed on XX/XX/XXXX. LEXISNEXIS is the data furnisher to XXXX who is reporting this bankruptcy on my credit report. Yet you are providing inaccurate information to XXXX and violating my consumer rights. The case number/Reference number you have on file is inaccurate and the date paid. How would you know the date I paid or the amount I paid? My privacy rights are being violated and you have no right to disclose my transactional history. Please validate this information with the court and provide me with copies of my documentation associated with this account granting you authorization to report this information, bearing my signature. I formally request that you that this information be immediately DELETED from the credit file you maintain under my social security number. I have attached the case summary AND the transaction receipt as of XX/XX/XXXX. The bankruptcy court name is inaccurate DELETE THE BANKRUPTCY FROM YOUR RECORDS. IT IS AN ERRONEOUS ERROR ON YOUR PART AND I DEMAND A DELETION. You are reporting inaccurate information of a bankruptcy to XXXX. I am requesting that you DELETE this from my consumer profile at LEXISNEXIS. You are violating several of my consumer rights. 

Firstly, you are violating my rights to my privacy LEXISNEXIS violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 information is inaccurate. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 15 U.S. Code1681n ( 1 ) A - ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. YOU DO NOT HAVE MY PERMISSION TO HOUSE ANY OF MY INFORMATION AND SHARE IT. YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND YOU DELETE THIS INFORMATION from your records ASAP! XXXX is a data furnisher of bankruptcy information for XXXX and the information you have is inaccurate and I DEMAND A DELETION OF MY CONSUMER REPORT FROM YOUR RECORDS OR I WILL TAKE LEGAL ACTION. I have also attached my XXXX reporting and my case summary of the bankruptcy. Totally inaccurate and erroneous information being reported. The case number is wrong. DELETE DELETE DELETE! 

Sincerely, XXXX XXXX last four of SS # : XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Repeated calls from debt collectors even though I don't have any debt/loans at all. I told them they must have incorrect contact information, they said they will continue calling until they can verify I'm someone else. I asked repeatedly to remove my number and quit calling, they refused to do so and got hostile and rude saying they were doing their job.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have disputed the following accounts on multiple occasions however they are still reporting them incorrectly. 

XXXX XXXX is only reporting on my XXXX with an inaccurate date opened, no date last verified although I've disputed this account for almost a year and most recently being 1 month ago. 

XXXX XXXX  card is only reporting on my XXXX with no date last verified and the last date reported XX/XX/XXXX. This is an account I'm actively disputing but they return " updated and verified ''. My last payment date is showing XX/XX/XXXX which is inaccurate and they have not sent me verification. 

XXXX XXXX XXXXXXXX is showing inaccuracies on the 30 days late, 60 days late and 90 days late. How is this account showing 90 days late 24 times consecutive? 

The following accounts have all been transferred to a student loan fresh start and should not be showing delinquent or derogatory on any of my reports. The USDEPTOFED are also duplicates and need to be removed immediately. 

DP OF EDUC XXXX- This account is part of Fresh Start with US Department of Education USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate USDEPTOFED XXXX- This account is a duplicate DEPTEDXXXX  XXXX - This account is showing as a duplicate and is part of the fresh start program with the US DEPT of ED. 

XXXX XXXX XXXX XXXX this account is showing on two bureaus with mismatch information such as " date reported '', " creditor remarks are also inaccurate '', last payment is also a huge inaccuracy showing XX/XX/XXXX on XXXX and XX/XX/XXXX. The date of last activity on this account also do NOT match. 

XXXX XXXX- this account was a bogus debt from XXXX ( XXXX ) they credited my account and my balance to XXXX. This should be removed IMMEDIATELY XXXX - This account was recalled by comcast and no longer was reported by XXXX however the bureaus refuse to remove it after multiple attempts.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

Ive tried numerous times to get the following credit report agencies to investigate this alleged bankruptcy reporting on my consumer credit report ( from XX/XX/XXXX till current date XXXX ). They have failed to respond. I have sent verification ( drivers license and social security card ) still no response given.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I am complaining by a recent attempt by Citibank to improperly and without cause charge me {$32.00} interest on credit card purchases last month. I check my balance online every day on their website and WE NEVER RUN A BALANCE. I pay several times a month online. I do n't like paying interest charges. Their annual fee is enough. I called them today and they said that I actually DID HAVE a balance but that it was n't showing up on my screen! I said, " Then it 's a software issue for Citi, not a payment issue for the consumer. Their new website is misleading. It is an attempt to hoodwink consumers! Call me anytime for details. OUTRAGEOUS behavior to up their numbers for the quarter.
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

After seeing my credit report this week I discovered a false delinquency. On XXXX XXXX XXXX I signed. 13 month lease with XXXX XXXX XXXX. 
After being told my XXXX job was being eliminated in XX/XX/XXXX my landlord had me sign a release from the final 3 months of my lease. 
I moved out of state on XXXX XXXX XXXX leaving my forwarding address in XXXX. Since that time XXXX XXXX XXXX NEVER contacted me about any delinquent charges. On my credit report they charged me for XXXX and XXXX rent plus {$900.00} in damages. 
I have made XXXX of attempts to contact them to discuss the situation. I havre been ignored. 
I am seeking a legitimate and fair way to resolve the situation. Can you help? 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Armor Systems Corporation (IL)

I learned that XXXX Systems reported account # XXXX to the credit reporting agency. On or about XXXX XXXX, 2016, I contacted Armor Systems and I stated that I was disputing the debt owed. I was told to put it in writing and email a letter to them. The letter was emailed. On or about XXXX/XXXX/16, I contacted Armor Systems XXXX and XXXX XXXX from the credit department hung up on me stating that she does not have to assist me. Called back and spoke to XXXX XXXX again and she stated that they never received the letter emailed to them on XXXX XXXX, 2016. I again stated to XXXX XXXX that I was disputing the debt and will forward another letter to them. I asked XXXX XXXX what contact information did they have on file for me. XXXX XXXX stated that they tried contacting me at XXXX. I explained to XXXX XXXX that the number is disconnected. XXXX XXXX also stated that they sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXX. I told me XXXX XXXX that I 've never received a letter nor did I receive a phone call. I was not notified by Armor Systems about the debt until it was unfairly reported to the credit bureaus. I should 've been given an opportunity to dispute the debt but instead Armor violated the law by not allowing me the opportunity to dispute it instead the reported it to the credit bureau.
Consumer complaint received 2016-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Augusta Collection Agency, Inc. (GA)

I am disputing this paid collection reporting bye Augusta Collection Agency. This account was closed and returned to XXXX XXXX XXXX. They have no legal right to report anything. 

Please see the attached documents for greater details as there is not enough space here
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX, AND EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, CAPITAL XXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2020-04-24
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. (TN)

Credit reporting agency still providing false information saying that information is accurate failed to provide me with method of verification Experian used third party vendor which is XXXX XXXX they are reporting false information I provided documentation and will provide again if this is not resolved in 15 days I will file a lawsuit against third party vendor and Experian for violation of FCRA
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

The financial burden of my student loans are to large for me to handle and I am unable to negotiate other options like forgiveness plans or bankruptcy. I have had to postpone life choices like marriage and children due to these burdens. I have a good paying job and still unable to live within my means. This form of indentured servitude is unethical in our society.
Consumer complaint received 2023-08-07
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: DISCOVER BANK (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CT)

I have been trying to make payments towards loan forgiveness for XXXX full years however my monthly payment has been set up far too high repeatedly! I used to pay {$99.00} monthly. After getting married and getting a full time position, I was XXXX prior, my XXXX now has tried to charge me between $ 667 monthly and now $ 557 monthly or {$380.00}. None of these amounts make any sense and they cant seem to get something figured out no matter how many times I call or resend via mail or fax our financial records. We have a family of XXXX, XXXX children and are both XXXX in about XXXX dollars of student loan debt between XXXX school and XXXX school degrees. My husbands bill was XXXX and mine was far higher. Why when we both have the same amount of debt?! Please help!
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Klarna AB (TX)

I have an account with Klarna, and with whom I have active loans. However, I attempted to user existing credit to make a purchase but Klarna decline me for the following reasons : " After carefully reviewing your request, we weren't able to approve this purchase because we couldn't verify the personal details you provided. Please check that your details are correct before trying to use Klarna again. '' XXXX - this lacks specificity, what information was suddenly unverifiable? 
XXXX - this is a farce! They declined me because I refused to link my bank account through a third party. I should not have to provide my bank account information, and I shouldn't have to agree to preauthorized XXXX to get a loan.
Consumer complaint received 2023-08-07
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-08-06
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION (TN)

I have been receiving correspondence from Sallie Mae that I am a co-borrower on a student loan ( Loan Number : XXXX ) which I did not authorize, encourage, or sign. I was unaware of any such loan until one day checking my credit score and wonder why Sallie Mae would be on my credit report indicating that I have an open loan with them. I contacted them to find out why and they stated that my son or someone had taken out a loan and added me as a co-signer. I explained to them that I had not authorize my son or anyone for that matter, to do that and that I should be removed from the loan because I did not sign for a loan and that they didn't have my signature on a loan. Not only, do I have a daughter who is also in college a year ahead of my son, she didn't apply for any loans and nor should he had. I am also on a fix income because I am XXXX and collecting social security XXXX benefits, so why would I advise or allow someone to use my name as a co-borrower? They wanted me to file a police report against my son, which even though I did not authorize him or anyone to list me as a co-borrower, I have a hard time doing because he is my son. All I asked was to be removed as co-borrower because I did not sign or request a loan and his or someone else 's mistake should not warrant him having a police record or inquiry. I ask for assistance in clearing up this err/mistake and get my name removed as co-borrower from such loan
Consumer complaint received 2023-08-07
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. (SC)

XXXX XXXX, XXXX, AND EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2016-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

Received a call from Transworld systems this morning and they are trying to collect a debt from someone who used me as a reference. The person is my son, XXXX XXXX, but he does not live with me, nor does he even live in the same city. They chose to give me his name and tell me what they were trying to do. My job experience is credit and collections and I already know of XXXX violations that that they have made?? Calling a 2nd party & discussing that persons acct. I see where they have already been sanctioned by the FTC but that does n't seem to bother them? There are multiple blogs on the internet in re the same thing.
Consumer complaint received 2023-08-06
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: BARCLAYS BANK DELAWARE (GA)

I was a victim of identity theft and numerous charges showed up on my Barclay 's Gap Good Rewards Mastercard and I filed a dispute with them for many transactions. The fraudulent charges were {$20000.00} and I have documentation showing that my credit limit was only XXXX XXXXXXXX. Barclay 's shouldn't have allowed anything over this $ XXXX credit limit. I never authorized an increase in my credit limit. I have contacted Barclays ' numerous times to resolve this, and they credited me one of the fraudulent amounts, but they were unable to resolve the other transactions that were identical in nature. Barclay 's never explained why my balance was allowed to extend {$10000.00} over my credit limit. I faxed them a dispute letter on XX/XX/XXXX  discussing all the fraudulent transactions along with information showing the identity theft. I have reached out countless times to get an update on my dispute, but I have never gotten an answer as to why they allowed the credit limit to be exceeded so significantly. 

My hope was that Barclay 's would credit my account for all the fraudulent charges. It doesn't appear that is going to happen. I have repeatedly submitted disputes and they continue to say the charges are valid with no explanation. I don't feel like they reviewed any of my identity theft documentation. I filed a police report for my identity theft because many charges were made on different cards and other cards were opened in my name that I did not authorize. Barclay 's is the only company that has not resolved fraudulent charges on my account.