davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXX, my wife and I consolidated our Direct Federal Student loans into the Federal Family Education Loan Program managed by Sallie Mae shortly after we married. Since XXXX, we have paid {$100000.00} toward the loan disbursement of {$100000.00}. Unfortunately, we still have a loan balance of {$110000.00}. 

I have been working in XXXX XXXX since XXXX. In XXXX, I learned about the Public Service Loan Forgiveness program and contacted Sallie Mae at that time inquiring of what I needed to do to qualify. I was told I needed to enroll in income-based repayment plan and make 120 payments. I enrolled in IBR plan in XX/XX/XXXX, despite seeing an increase in my monthly payments, with expectation of having my student loans forgiven in XXXX. I have since had monthly payments directly debited from my checking account every month WITHOUT missing a single payment over the last 9 years. 

Fast forward to present and I recently learned the FFELP joint consolidation loan my wife and I have is not eligible for PSLF program, despite us both having Federal Direct loans that would otherwise qualify for the program. I applied for Direct Loan Consolidation with XXXX in order to qualify for PSLF and received notice this week that my application was denied because the FFELP joint consolidation " may not be included in a federal student loan consolidation ''. I reached out to Navient and again told FFELP and joint consolidation loans are not eligible for PSLF program. 

What's really sad is we are literally " stuck '' in this FFELP loan. At this point, we have no options to allow us to refinance. 

This is an issue that needs to be addressed ASAP. Any help you can provide in getting this fixed will be greatly appreciated.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/2017 I filed a non-asset Bankruptcy where my home mortgage was not included. 
I have made payment on time to my lender for life of the loan 9 years. 
Mr. Copper/ Nationstar had my account marked as active BK and will not change the reporting. This is blocking me from accessing any credit. I have been told by many creditors they will not lend until the mortgage is out of BK. I have a recent decline letter from XXXX XXXX. 
I have made 6 inquiries with Mr. Copper over three years and they said I have to refile and reopen my BK case then reaffirm the account. My BK attorney has advice me ( in writing ) that the district in CA where my BK was filed does not grant reaffirmation on home mortgages. I have also filed multiple disputes with all credit reporting agencies who have contacted Mr. Copper and determined they would not change my reporting. 
My credit reporting code is 17 - no liability. I need this to change to discharged/closed - no late payments. I will never be able to access credit with a 17 code. 

Thank you,
Consumer complaint received 2020-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I contacted Equifax to learn why score dropped by 35 points as nothing on my report would indicate why such a drop. The agent said she does not know why and the computer provides the numbers. I also informed her that one of the items is showing an increase to my account. I explained to her that if my previous month report was XXXX and now my current balance is XXXX how was an increase done. She just kept repeating the same thing. I asked her if she could put in an inquiry to find out why my score dropped by 35 points if nothing on my report is indicating the reason for this. All she could say is the computer generated it. I want experian to look into why my score dropped by so much with details. This is just unacceptable to a consumer that helps to stimulate the economy through purchases and paying for my purchases.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (TX)

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2020-05-21
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. (NV)

I have sent out letters to equifax asking for who am I supposed to be disputing with or paying and they have not provided any information on these accounts. 

I have no idea which collection I am supposed to pay if I do not know who the collection company it is.
Consumer complaint received 2020-06-23
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: ATG Credit, LLC (OH)

ATG Credit LLC has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency XXXX XXXX, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to XXXX XXXX, it is my understanding this debt was purchased by them from unknown creditor.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

My account with CHASE BANK experienced fraudulent transactions totaling {$2100.00}. These withdrawals occurred for very small amounts at first then after 60 days very large amounts were taken. The transactions were through two XXXX accounts. I called both CHASE and XXXX and both organizations could not help me directly but I was told that the bank should open a dispute to work together with XXXX to retrieve my money. Since early XXXX I have been working diligently with both CHASE and XXXX on this, contacting both companies several times, with no results. The fraud on my account is a well known scam that should have been caught by my bank 's Fraud Department. 
A file is being attached to notate the charges in dispute.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XX/XX/2018 for my XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for an ongoing divorce and a short notice eviction, along with serious medical issues leading up to my hospitalization following surgical complications Id have an excellent repayment record. I made a mistake in falling behind, but I have learned how to manage my finances Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XX/XX/2018. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (TX)

No actions were taken by the company but all actions of mine are here for the taking to make America better/greater. 

XX/XX/2020 PROBLEM : I think I am contacting USDIRECTEXPRESS.COM using the webite, cfpb.gov/prepaid and I do not get orbited around the internet waves even having excaped the haven for hope 's intranet mainframe and security measures. 

PROBLEM : Your website has not ground to stand tall on because it isn't needed to be told to new or returning customers until a problem such as credit collections or discrepancy occurs between you and customer. It's a bad BUSINESS message. The customer isn't happy. Therefore, 3rd perception falls in your lap. DECEIT=EVIL and your expecting, sublimally to set a negative tone and force a loss sale to occur. MAKE SENSE. NO IT DOESN'T. USE this as food for your brain. Chew on it. Don't swallow paper like I do, the ink might be poisonous. 

REGARDS, SICKLY and XXXX, LUCKY
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

In XXXX I schedule to Take a cruise in XX/XX/XXXX XXXX- XX/XX/2020. The cruise line I choose was XXXX  the amount for the cruise was XXXX I paid an deposit of {$100.00} XX/XX/XXXX. XX/XX/XXXX I paid {$35.00} & XX/XX/XXXX I paid {$100.00}. At the time the COVID-19 was not a major issue and XXXX  XXXX  XXXX   did not issue a statement regarding the situation to cruisers! Fast forward weeks go by and XX/XX/XXXX another payment of {$74.00} and final XX/XX/XXXX another payment of {$420.00}. Not once did XXXX address the Covid-19 until the beginning XXXX when they got exposed for allow XXXX ships to departure with XXXX cruisers on board. Nearly a month later they started giving out options to cancel with option receiving a cruise credit or refund! No one can gain access to the customer service line due to the overflow of calls! People have requested refunds back in XXXX such as myself still havent gotten a refund but yet people who requested refund in XXXX are receiving their refunds! Thats makes absolutely no sense Ive waiting well over 60 days and should be compensated immediately! When you try to reach out to see the ETA of your refund they can not provide answer. Unfortunately for me I didnt use a major credit company for payments! I used cash app card, Ive reached out to cash app & cash did nothing to assist me! They couldnt even reach out to XXXX so that they can release the funds! This very frustrating had I used XXXX XXXX I wouldve received 100 % good customer and money back in no time ... Ive attempted to reach out to cash app again however they are requesting proof from XXXX that I am receiving a refund! After telling them XXXX  has not been willingly to help they still do not seem to care! This horrible Im starting to think I will never get my {$700.00} back for a cruise I never even went on! I cant get proof from XXXX  and I cant get help from cash app! I am in desperate need of this money I have been out work for nearly 3 months! I have over due bills and mouths to feed. I need my full refund.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}
Consumer complaint received 2020-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I received a letter from Equifax on XX/XX/XXXX that states they were unable to pull up my credit report. I know this is a false response because the letter I sent calling for an investigatio included all of my credentials, my social security number and also my drivers license number. I requested several things, first requesting the method of investigation and documents provided fromm the data furnisher concerning three accounts which I have listed below. 

CCS COLLECTIONS acct number XXXX XXXX XXXX acct number xxxxxxxxxxxxxxxx XXXX XXXX xxxxxxxxx XXXX Equifax has not complied with my request for them to follow the law. They have not provided a method of verification, they have not provided documents showing how they verified the accounts and instead sent me a letter stating they were unable to find my credit report although my credentials were provided. I am asking XXXX to assist me in getting Equifax to comply with the law and immediately delete the above tradelines. I have attached the letters I received from Equifax in an attempt to stall with complying with the law and granting my request in which they are legally required to do.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WV)

I checked my credit report in XX/XX/2020 and seen a ERC Collection/XXXX which account I never had so I wrote a letter to Validate debt with original signed contract to the CRA 's for validation neither the CRA 's or ERC send me valid proof of a debt that is not mine. ERC sent copies of a bill from XXXX that I never seen even with phone records which is a breech of private information sent to me ad validating the debt. No signed contract. So I proceeded to right XXXX again for their proof of validation which they never sent what proof they have to validate the debt. The debt collector ERC even reported an address I never lived at in XXXX VA and I have proof of that which is another law they broke. This company ERC has violated my rights amd broke numerous Federal Laws according to FCRA and FDCPA. They have no record of my Social Security or any relevant findings that validate this debt.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This account has been reported as opened on XXXX  by this step collector company. This account was not open in XXXX. I have continually asked for verification of this account and how it is being verified with no response on documentation. I have also asked for a purchase agreement were if this closest information is being reported, with no response or documentation.
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I submitted a dispute with Equifax on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 Equifax came back stating the debt was accurate without even completing a thorough investigation. Equifax has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your  continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that Equifax continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.
Consumer complaint received 2020-05-21
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.
Consumer complaint received 2020-06-23
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. (AL)

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( Equifax ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( Equifax, XXXX, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX XXXX Equifax ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax and XXXX  ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$160.00} XXXX  XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( Equifax ) Bal : {$120.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$100.00} XXXX  - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( EQUIFAX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( Equifax and XXXX  ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX ( 2 TIMES )
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

My us banking ReliaCard is blocked and I can not use it. I have been calling the number on the back of the card and I cant get anyone on the phone. I do not have a bank account at the moment.I am trying to get in touch with someone so they can remove the block and Ill be able to use my card again.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (NC)

After receiving alert from credit monitoring I tried contacting Nationwide recovery SY. I was unsuccessful. I have never received any communication from this collection agency and don't know who they are or why they just started reporting this negative remark on my credit. I have no knowledge of this fraudulent debt they're claiming I owe. They are violating by reporting fraudulent debt and not sending any verification of it!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with 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. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 information is inaccurate.