davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

Navient and the XXXX XXXX XXXX is a rip off. They are misleading people with incorrect information and as a result I lost out on years of qualifying public service loan forgiveness payments and thousands of dollars. I started working for a public service government agency in XXXX. Since the beginning we have sent certified letters to nvaient/ XXXX XXXX proving I am still and employee. Since XXXX, I have paid towards the program. In between XXXX, I TOOK OUT XXXX PARENTS PLUS LOANS.. At the direction of navient/ XXXX customer service representative , told me I Had to consolidate to stay in the program and that I would lost out on any payments previously made. LIES, LIES, LIES. In XXXX of XXXX, the consolidation went through and I was told by at lease 6 representatives from the department of education and navient that I had to start the program over, that there was nothing they could do. Now, when I should be coming to an end of my 10 years, I have to start all over because I listened to them. I truly believe there are some fraudulent motives.
Consumer complaint received 2021-06-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (WA)

Have sent out 4 letters of disputes ( 2 different times for 2 different accounts ) to collection company IQ DATA, neither response letter from them was responded to within the 30 days they're required by law, they also did not include information requested. Such as origin creditor documentation, sworn affidavit, valid contractual obligation with signatures, documentation from creditor to authorize them to collect said debts, proof that the are allowed to collect debt in this state, copy of business license, bond with bond stamp, no paper work with signatures or copy of original contract. Also called and asked them to please remove said debt from collections and they said they're legal team was within in their rights and do not have to send the requested information desired in the letter of dispute. They're is no proof that I owe this alleged debt so I request that they remove from collections and dismissed the account. I have certified letters, receipts showing my letters of diputes, and time stamped mail from collections agency showing they did not respond within the 30 days.Thank you for your time, XXXX XXXX. XXXX. XXXX. I also have more documentation showing the information they did send me, the certified letter I sent with date and times, the envelopes with dates showing they did not respond within the 30 days by law. Again there not the copies of original contracts shown for XXXX XXXX, just XXXX page with a signature, nit the XXXX pages we had to sign and initial. And zero copies of contract or signatures for XXXX XXXX XXXX XXXX. All documents that IQ DATA sent as a response are included in the file attachments.
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (MI)

I signed up to use Freedom Debt as I had 2 XX/XX/XXXX and was in midst of a divorce causing financial hardship in XX/XX/XXXX. I was told in XXXX that I would have debt settled in the range of 40 % -65 %. With fees my settlements included to be 8 % debt reduction. No where between range promised. 

I messaged Freedom debt on their app what the pay off would be and how soon it would pay all accounts and graduate from program in XX/XX/XXXX. I was told the amount was and it was 30 days and all would be completed. I made the deposit requested by FDR on XX/XX/XXXX I messaged in XXXX after 30 days as accounts were not being paid and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in XXXX after 30 days from may contact. Accounts were not being paid still and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in 2 weeks later XXXX after early XXXX contact. Accounts were not being paid still. I told FDR to seize and desist from withdrawing from my bank accounts. They still did it after the seize and desist request. I have screen shots of the messages related to these messages. I complained to FDR yet again and told them next time an attorney will be contacting them. They resolved the debt immedialtey and was paid of XX/XX/XXXX. 

Today the accounts are paid off but continue to take fees on remainder of balance. I have exhausted all possibilities of working with FDR when seize and desist order was not taken seriously. 

They extended my poor credit even longer so I could not refinance my house in time per court order and affected my credit scores to stay poor longer than necessary.
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. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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. (MD)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : 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 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
Consumer complaint received 2022-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (FL)

For the last 60 days I have been fighting this company for illegally not applying a payment to my account for an amount between XXXX dollars ( multiple payments were made and at least XXXX was not subtracted from the balance ) even after providing months of bank statements and any possible information associated with my claim they continue not to find the payment that wasn't applied to reduce my balance owed. On XX/XX/XXXX I was told a payment for {$690.00} was marked as reversed, so I submitted a statement showing that payment went through XX/XX/XXXX at XXXX XXXX. I called in again today and they changed their tune saying the payment was completed yet the balanced owed remains unchanged. All of these phone calls are supposedly recorded as well. A very basic calculation of all my payments made in the last 60 days well exceeds what was spent and interest charges paid ( I pay the card off monthly and keep tabs on the exact balance on a daily basis ).
Consumer complaint received 2022-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AR)

I have a dozen problems. But right now I still can't get in the Federal student aid page. They had to do a reset that took since XX/XX/XXXX and sent me a code. The code wants me to confirm changes. I have a new address. It won't move forward on the page to confirm. I had the chat person there try to help. Nothing worked. I don't even have a place to log out there as I should. I think that site is being watched, or hacked something. Something is wrong. 



And before that I have all kinds of emails all year begging Navient to help me with info so I know what to do. For months. I got emails saying they are investigating my case and will get back to me. No help. Or several that say she will be out of the office for a week. Several times! I couldn't get in my navient account for a while and didn't even know what my loans were from 25 years ago. But they were federal XXXX subsidized. But sold I guess. 
I feel they have purposely not assisted me for a very long period. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX XXXX XXXX XXXX XXXX. I begged for help. I finally got in navient site but locked out of student aid a long time. I've spent so many hours so many days trying to get this figured out and see what I need to do. I cant get in XXXXXXXX XXXX now. I hope a hacker is now in there. XXXX XXXX asked for my SSN and date of birth. I couldnt log out.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. XXXX has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while Navy Federal Credit Union reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. Navy Federal Credit Union is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. XXXX is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. Navy Federal Credit Union has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (FL)

Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I was charged a very high-interest fee ( approx {$200.00} ) on my XX/XX/2020 Home Depot Credit Card Statement, for a Home Improvement Purchase promotion that had expired and I, kindly requested to extend due to the current pandemic, the no-interest promotion ( as have other retailers -Best Buy- done with their store cards, extending without having to request ) but Home Depot has refused.
Consumer complaint received 2022-07-21
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-01-09
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: JPMORGAN CHASE & CO. (TX)

My debit card was stolen with the pin around XX/XX/XXXX or XX/XX/2018, and used for a large volume of transactions at various locations and the pin was used on some of the transactions. The total amount of fraudulent transactions was around {$2400.00}. I informed Chase by phone on XX/XX/2018, had the card locked, submitted a claim for refund. I received a questionnaire in the mail from Chase about the incident, filled it out and returned it. Chase has denied the claim becuase a pin was used in some of the transactions. I do not know what to do.
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and XXXX is not following the law by not providing proper proof to consumers in which they wish to collect from.
Consumer complaint received 2021-08-03
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. (FL)

I reviewed my credit reports from Transunion, XXXX, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/2019, I left a XXXX XXXX that I started called XXXX XXXX. We opened up a business credit card in my name and my Partners refused to transfer the balance. While we negotiated the sale of my shares, all of the items related to me were supposed to be removed from the business, including the credit card. 

The credit card ends in XXXX. Business name is XXXX XXXX . I would like a late payment to be removed because I had no means of making this payments once my former Partners ran up the credit card and stopped making payments. 

The card is now closed and we are working with the courts to have my former Partners to pay off the remainder of the balance.
Consumer complaint received 2022-07-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (GA)

On XX/XX/XXXX, I contacted lender to pick up their collateral of my vehicle, sell the vehicle and apply proceeds to balance. Unfortuanely, after many calls and emails they have not obtained property from my residence, and have fradulenty reported this as bad debt, and has sent my info to an attoreny for collection without adhering to the signed contract on XX/XX/XXXX, which indicates GA Penal Code 11-9-610 default per collateral. I am attaching all documents to support my complaint. The law firm that is now harrassing me is none other than : XXXX XXXX XXXX, XXXX ; of XXXX AL. I was unemployed and was unable to make payments, and therefore, I honored our agreement to surrender my XXXX XXXX XXXX to comply with contract. However, One Main Financial has breached their commitmement to take possession, and have now submitted false information to all three credit agencies as a bad and derogatory debt.
Consumer complaint received 2022-08-01
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)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number 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 DEPT OF ED/XXXX. Posted XXXX on XXXX Account number 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 XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2015 I received a letter from Wells Fargo dealer stating my auto account XXXX has been paid never late satisfactory. Since that time and the present Wells Fargo Dealer has changed my status from charge off then recently to paid charge off. This is an error and I believe violates my rights under the FCRA. Please has this status change to paid as agreed attach will be the supporting documents from Wells Fargo dealer and my credit report.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (IN)

I disputed some unauthorized charges made without my permission to them as soon as I became aware of them on My child support way2gocard on XX/XX/2021. They sent me a letter on the XXXX stating that if I returned the questionnaire within 10 business days that they would give me a provisional credit in the amount of XXXX. 
So I submitted the form via fax as the letter and the agent I spoke with said to the expedited fax number given to me on XX/XX/21 within the allotted time and now there refusing to give me the provisional credit as they promised
Consumer complaint received 2018-08-30
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: SYNCHRONY FINANCIAL (OH)

Why are they billing me XXXX when I already paid off the promotion on XX/XX/XXXX? 

I paid over {$400.00} for XXXX and only needed to pay XXXX why have they not adjusted my monthly payment as promised my monthly amount should be XXXX not XXXX as I already paid off a promotion.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NY)

When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

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 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (PA)

Three months ago a overdraft was deducted from my payroll account in the early XXXX  hours. The very same day @ XXXX  I walked into key bank in XXXX XXXX, PA XXXX with a credit Union check to deposit it into my account. Afterwards I was told it will be froze due to the negative account previously. The negative was taken care of 8 hours before submitting the check. The hold lasted over 10 days counting the weekends and not just the 5 days explained. I was not awarded the 4 hours after XXXX XXXX  the day of which made it ( 2 ) weekends. All this started late fees on other bills creating additional charges I was forced to pay, causing more overdrafts later. 
Fast forward going from paycheck to paycheck I paid {$300.00} to fix account again only to find it worse. I have been a victim of this from XXXX XXXX, XXXX  XXXX, and now KEY BANK. I was not even part of the settlement now have no income to deal with this.