davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CT)

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

NAVIENT is a creditor as defined by 15 USC 1692a ( 4 ). 

NAVIENT alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

NAVIENT is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account sinceXX/XX/XXXXand XX/XX/XXXX 

NAVIENT has failed to supply any record of payment under the original creditor SALLIE MAE as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -NAVIENT in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-NAVIENT in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- NAVIENT has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Consumer complaint received 2020-01-23
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. (FL)

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (NV)

We have been experiencing an extreme lack of communication and support from our Mortgage Bank, Axos Bank, since the begining of XXXX, XX/XX/XXXX. Axos Bank, has made it so difficult providing by phone assistance, to provide solutions, resources, information, about helping clients in need due to the pandemic. We live in XXXX XXXX and we lost our job for 22 years in the XX/XX/XXXX. Which has made us first handed impacted by the pandemic. Always looking for solutions in these unpresented times ; Loosing our income has made us vulnerable to banks in how they can help us keeping our home. Axos only has provided one e-mail to contact the XXXX XXXX, which it's their pandemic help department. Some times, like now, they don't even reply. 
Which lead us to contact HUD this Monday XXXX XXXX XXXX, looking for help to assist us contacting the bank. HUD redirected us to XXXX XXXX to help us talking to the bank for a loan modification or extending our forbearance and most important to communicate with Axos since our forbearance will expire at the end of this month. 
Even with the lady from XXXX XXXX, doing a three way call, we were 1 hour plus waiting to talk to someone from the porfolio managment department. And NO answer. Someone picked up from the main menu and took a message saying they will contact me in 24 to 48 hours and " NOTHING. '' This has been the norm with them for the past 17 months. Only once we have been able to talk to that department since the begining of the pandemic. ~NOW, we wrote three e-mails since XX/XX/XXXX, not counting the many many e-mail we have sent this past year, and no reply yet. It has been really challenging to deal with this bank, we had another property and the bank in charge was XXXX XXXX and they were impecable with its resources and availability to help its clients which makes it so hard to believe what Axos bank is doing now to its customers ; neglecting us from help and communicating in these difficult times of adjustment and some how very scary. We are really sad this kind of behavior it's present in this Country. Shame on you AXOS BANK.
Consumer complaint received 2021-08-18
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. (CA)

I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC. (MI)

On XX/XX/2021 a charge was put thru on my XXXX XXXX credit card, for like over XXXX. I didnt know about it until I started getting notices from XXXX XXXX that my orders are on their way. I immediately called the credit card company and said please stop all orders I never placed the orders. The representative said they cant stop it. I tried to call ups and usps and whoever was going to deliver the order to tell them to return it it was not authorized by me. XXXX XXXX has the records of me calling so many times. Well XXXX XXXX couldnt stop the order and ups said I have no right to stop it I am not the sender and XXXX XXXX Would have to do it and when I called XXXX XXXX they refused because they said they cant. Well I never got the orders we dont know how they were picked up since I had no control over it. I couls not get anyone to help me. Now I reported fraud on my card for the full balance and now they are holding me responsible and the card company sent me a bill that is due and a new card but how should I pay for something I never charged that is not fair. I had my wallet stolen from a church fundraiser at the end of XXXX and thats when the charges were done. Please help me resolve this it was not my fault. XXXX XXXX is holding me responsible.
Consumer complaint received 2021-08-18
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: LEXISNEXIS (TX)

A third party consumer reporting company has been collecting my personal information without my knowledge, and authorization, and distributing this to businesses, marketing companies, and the three credit bureaus. Also they have distributed inaccurate information about me to all three credit bureaus, and refuse to remove the information. I have contacted them directly, as well as the three credit bureaus to get this inaccurate and third party information removed from my credit reports that I do not recognize - two alleged bankruptcies.
Consumer complaint received 2021-08-18
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: SYNCHRONY FINANCIAL (FL)

Our son died XXXX, 2020. PayPal is sending him bills despite the fact we have informed them on several occasions that he is deceased. They then tried to hold us responsible for the bill. We told them we had not authorized nor signed to open the account. They said it was resolved but our credit report shows a overdue balance from PayPal.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran 15 times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US Sm Bus Admin ODA XXXX XXXX XXXX
Consumer complaint received 2021-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

FSA User ID : XXXX I would like clarification on the 90-day and 120-day late payments that Navient are reporting to all 3 major credit bureaus ( XXXX, XXXX, and XXXX  ). I have a federal student loan ( FFELP ) backed by the Department of Education ( Sallie Mae ) and per the C.A.R.E.S. Act - Coronavirus Relief, student loan payments have been paused/extended beginning XX/XX/XXXX until XX/XX/XXXX. However, Navient continues to request monthly payments from me ; they continue to charge daily interest ; and every month I receive payment reminders and no-payment received notifications. Since Navient is the servicer of my federal student loans, I feel as though my student loans should be eligible for the relief, regardless of how Navient categorize them. Per the Coronavirus Relief, Navient should stop collections on defaulted loans ; my loans are and were in default at the time the president signed the C.A.R.E.S. Act into law. Therefore, Im thinking that Navient should not be requesting payments from me at all on my federal student loans until after XX/XX/XXXX. 

The Dept of Education reports my Stafford loan as 2 separate loans - subsidized and unsubsidized, while Navient reports the same loans according to the date payment was made to the school, XXXX XXXX ( see attached ). Arent they the same loans? I only applied for one student loan on FAFSA. I am confused as to why one would be eligible for the pandemic relief and the other would not since they are one in the same.

Lastly, according to the Coronavirus Relief, under Which Loans Are Eligible for the 0 % Interest Rate, I feel that my FFEL loans are eligible for the relief. It states : FFEL Program loans owned by ED ( defaulted and nondefaulted ) AND - Defaulted FFEL Program loans not owned by ED.
Consumer complaint received 2020-01-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I was contacted in XX/XX/2019 by The Professional Bureau of Collections of a Maryland via phone. I had never heard of this company before! I was informed that my student loans were in collections and that I now owed roughly {$150000.00} to their company. A man informed me that {$300.00} a month isnt going to cut it. So I offered to pay {$250.00} in bi weekly payments- a stretch on my finances already. He agreed to help me set up this plan and I provided my information. I asked for a written explanation of my loan amount and he stated that it would be mailed to me. I never received anything from this company. I have yet to receive any written communication from this company. I had to XXXX it to find that it was even a legit collections company. I am beyond mortified that the US Dept of Education would set me up with such a shady company. The first two payments were made in XXXX. I figured I was making my auto payments. However, just right before XXXX, I was contacted AT MY JOB by this collections company. I had never given them permission to contact me at my employment. As the phone was answered by a colleague, it was disclosed that a debt collector was looking for me. I was horrified, especially because I figured that we had handled this privately. I found out that this company has been contacting my previous employers phone number. Please note : I have been faithfully paying my other student loans and I have been enrolled in auto payments for years. Email me, send me a letter, but calling my job is harassment. I set up a auto payment with XXXX for {$500.00}. This time he refused to do bi weekly payments and was, once again, supposed to send me a written statement. I had to call them in XXXX to ask for the amount to be lowered to {$300.00}. I was informed this month that, no matter what, any tax refund that I get back will be theres to take ... even though I am making auto payments. I do not trust this company, as I have been frequently lied to about the amount of my debt and about my repayment options. It feels predatory and abusive. I am still waiting for a statement.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (TX)

Jefferson Capital System has inaccurately aged a collection account they purchased from XXXX XXXX as new debt in an attempt to continue collection activities. Despite having disputed this information with credit reporting agencies and directly writing to Jefferson Capital ( with no response ) they refuse to provide any information to justify attempting to collect beyond the seven years from date of default with the ORIGINAL creditor, not seven years from when the collection agency purchased or has consigned the debt.
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (AZ)

Please see complaint # XXXX. 

Sallie Mae Bank was lender in XXXX  ( When XXXX. XXXX Bankruptcy was filed ). Switched to XXXX XXXX. 

Lender has since changed twice in 8 years. This SHOULD HAVE been removed by Sallie Mae Bank back in XXXXBut they just passed it to next lender who is just as non-responsive as Sallie Mae was XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2020, I was scammed by a person online to wire money from my Chase checking account to a XXXX XXXX account in New York, the amount is {$25000.00}. The scammer begged to borrow money for business and promised to repay in a few days but never did. The scammer then disappeared. I reported to XXXX XXXX Police Department and XXXX in XX/XX/2020. 

After looking up the receiving bank account information, I saw that it's a transferring bank to XXXX. This raised an alarm of money laundering and bank fraud, scam. I contacted my bank Chase to ask them to track where my money ended up with. After knowing the bank account and company of the ultimate end, hopefully I could give more information to police for their investigation. However, Chase never directed me to the right department nor the right person to solve my questions. I contacted XXXX XXXX ( receiving bank ) for the same request, and still have the same helpless attitude and endless phone transfers to different departments but none of them could give any meaningful assistance. 

It has been more than a year since I was scammed but I have received limited assistance from my bank in helping track the scammed wire. They always give excuses that bank accounts for fraud and scam will be inactive right after the scam. As if it's helpless to go to know where my money ended with. 

I explained to Chase what happened and that I have police report case number and other reports to prove that my case is real and that I am a victim. I have legitimate right to get helps from Chase. However, Chase ( phone reps and bankers ) said they don't need the case number. They acted like this is none of their problems even though I am their customer!
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Beginning a week ago, I found my online account was blocked from accessing statements. I spent 3 hours on the phone, transferred between agents, departments and countries, calls and holds fraud, tech, etc then my account was completely blocked. There is over {$100000.00} in my name at Citi Last Wednesday. I went to the branch at XXXX and XXXX in XXXX. They tried to fix it. I went back the next day, they sent me a new debit card and said that would fix it. 

I have a new card but still dont have access. I cant pay my bills. 

I went back to XXXX and they said we arent the fraud department theres nothing we can do Its been 3 work days of my life over a week I need my money and I need to report this bank for gross negligence. 

Please help me
Consumer complaint received 2022-10-24
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: Synovus Bank (MO)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose
Consumer complaint received 2022-10-24
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (CA)

I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, 2022. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.