davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I sent a certified letter to Equifax, XXXX, & XXXX in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX XXXX  & XXXX XXXX  bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, Equifax employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information to them. XXXX was unable to verify they received a copy of these bankruptcies themselves & referred me to contact XXXX. XXXX confirmed Equifax received my request from XX/XX/XXXX. The representative noted my request/dispute and provided a Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, they can not report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX  XXXX reference # XXXX XXXX XXXXXXXX reference # XXXX *Ive attached documents to confirm my identity. 
Thank you
Consumer complaint received 2022-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

I have been struggling to make payments on my Navient private student loans, which were taken out between XXXX and XXXX for my XXXX education and thus have the typical high and variable interest rates forced upon students who needed private loans to fill gaps in their educational financing before the recession. 

I am a XXXX  student  who makes $ XXXX on average with my position as a XXXX XXXX. Navient only offers 5 years of forbearance for XXXX  school. However, my XXXX  program takes on average 7 years to complete. My current monthly payments of around {$540.00} are completely unaffordable with my salary, and they will continue to be unaffordable until I XXXX  in XXXX  years. 

I have called and spoken with Navient officials numerous times since my loans went back into repayment to try to figure out how to lower my payments. Since I have " maxed out my forbearances, '' the only option Navient continues to offer me is a 6-month short-term interest-only repayment plan. While these payments were initially affordable at around $ XXXX, they have continuously increased alongside the LIBOR rate and have become unaffordable.

Today, I called with the intention of scraping my bank account to make the {$380.00} interest-only payment I was quoted two days ago on XXXX XXXX, only to find out this payment has increased to {$390.00} with today 's LIBOR rate and is now unaffordable. Despite giving several financial statements to Navient which have clearly shown I can not afford these payments, Navient offers me no other options. 

I have kept my account current with Navient for the past 14 years. Even during 2 years when I was a XXXX XXXX volunteer and making $ XXXX, I saved enough and emptied my savings to make on-time payments. I calculated that I've payed around $ XXXX to Navient over these 14 years, only to see my balance increase from $ XXXX to $ XXXX. Because of these payments, I have no savings, a $ XXXX balance on my credit card, and more public loans as I need to take them out to afford to live while making private loan payments. 

I have shaped my whole life in order to afford my student loan payments while still acquiring my XXXX. I have no car, the cheapest possible studio apartment available in the city in which I live, and yet still I am struggling to survive. I have no idea, if I didn't have this debt, if I might have aspirations to own a home, get married, or a family. I only know that Navient has shown me that those dreams are impossible. What is Navient gaining by scraping every cent that I own? Yet I am the one who contemplates XXXX. I know I am not alone in this struggle with predatory private lenders.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NC)

I have a checking account and a savings account with Discover Bank. I tried to add an external account, and I was locked out of the online banking ... .twice. When I called to get assistance the second time, I was transferred to the security department, and they froze my account for no valid reason. My phone is disconnected, which I explained to them REPEATEDLY, so they couldn't verify me via text. They requested that I upload proof of identity, and said it would take 48 hours. I did what they requested, and uploaded my passport, as well as a copy of my driver 's license front and back, and even a letter from them clearly showing that it is me. It has now been 49 hours. They claim that they can not see my documents yet in their system, even though I received an email confirmation from them on XX/XX/22, which said that the uploads were done successfully. I am a single mother, and I could not even do our laundry this weekend because Discover is holding my money hostage. I need to pay my bills! Including paying for an Extended Stay, and my direct deposit goes to this card, so I need access to MY OWN MONEY! I am appalled at the lack of business intelligence and also the unfair business practices. This is not acceptable! And I want a resolution immediately! I have gone through their verification process from the hotel phone about 10-15 times. No one is doing anything to resolve this matter. They are not following their own protocol. I demand access to my accounts!
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

Equifax is posting a Collection to my account for {$88.00} dollars but they are not posting who is submitting this collection, they are not submitting the address or phone number. It is literally blank and they keep verifying this Ghost debt in which I dont know is reporting to my credit report to contact them to identify this ghost debt. Addittionally its a violation of the FCRA to report a collection with all of that information for the consumer to be able to not only contact the bureau but this mystery company
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

HYUNDAI CAPITAL AMERICA is reporting a Chargeoff on my report however this is incorrect additionally I have never received information about this balance. The car was returned directly to them and I was told I was fine and didnt owe anything when I returned the lease.
Consumer complaint received 2022-09-19
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-19
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. (MO)

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 9th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-19
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-19
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. (NY)

I was reviewing my report and I have notice a few unauthorized inquiries that I am not familiar with. Im concerned with these unauthorized inquiries, Its dramatically damaging my credit score..
Consumer complaint received 2022-09-24
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: U.S. BANCORP (CA)

Upon checking my credit the XXXX  XXXX account that been under the dispute still remains i sent an ftc report proof of residency and as some companies reported information as accurate i want to inform that i disputed all other addresses on my credit report besides my actual one which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my cell phone XXXX any other information creditor has is wrong
Consumer complaint received 2022-09-19
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-19
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-19
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing in accordance with the Fair Credit reporting act XXXX these accounts have violated my rights 15 u.S s.C. 1681 section 602 A states i have a right to privacy 15 u.s.c. 1681 Section 604 section 2 states a consumer reporting agency can not furnish a account with out my written consent/instructions On my Fico -and on my 3 credit bureaus XXXX, balance XXXX on # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete over XXXX XXXX XXXX!!?
Consumer complaint received 2022-09-19
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-19
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. (FL)

The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

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 2020-12-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

I have a home loan with New rez mortgage company and since the beginning I chose to have an escrow account so the company would pay my taxes and home insurance and I thought my taxes were paid on time.i always paid the monthly bill on time.on day I get a check from the company and I called them what is the check for and they  told you just been overpaying.when I get my XXXX statement my payment was lower then usual and I called them again and they told that the bill its lower because we are not responsible for paying your taxes.they removed the taxes from the escrow account without my permission and didn't not let me know.now my sumer taxes didn't get paid since XXXX and they told me that when I called on XXXX.i keep sending emails about resolving the situation and keep calling them to fix this.at the  end of XXXX are my sumer taxes due and the winter taxes too.i told them am gon na pay my taxes myself but I want reimbursement for everything that did and answers why, when, who did take off the taxes from my escrow account?! I called a week ago they told me it's my fault that now they have to pay interest on late taxes.i cant deal with this company anymore.i told them I don't want them to pay my taxes anymore I want reimbursement for everything they did without permission and notice and answers.their supervisors are so rude, the lady supervisor told me we had intention to pay the taxes and then we didn't pay and it's you fault for that.this is causing me stress and frustration.i have all the emails I sent to them, statements.i need this to be resolved.i don't trust them anymore
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (NV)

During COVID-19 emergency, the policies and procedures employed by Chase Auto were dishonest and deceptive, and have harmed my credit report disallowing me to gain assistance in a separate emergency. 

I was promised orally on a recorded line that the late payments due to challenges with obtaining consistent employment as a sole-proprietor would NEVER show up on my credit reports as long as I had made the payment as soon as I had obtained said income ; I was speaking with them once a week voluntarily prior to the string of payments I would be having hardship with. 
After the technical due date, I was harassed more than 5 times a day including weekends by their collection agents, and finally told them to start taking notes like theyre supposed to or Im reporting the harassment to the appropriate agencies. After 3 weeks of this bombardment, the calls finally slowed down, as I was doing everything as before this event even started ; I would call chase every Monday with an update to a PPP loan pending ( I still was never able to apply for a second one ). 
As soon as I finally got the loan in the summertime, I immediately paid off the remaining balance of {$1100.00} as we had agreed on. 
CHASE STILL KEPT THE ACCOUNT OPEN, due to late fees that we had already discussed being removed. 

Deceptive practices from them and lacking integrity during an emergency situation is volatile and has subsequently harmed me. Thanks Chase Auto!
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (NJ)

I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with Hyundai for my leased 2020 Hyundai XXXX. Hyundai has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score.

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, Hyundai is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws.

My bankruptcy attorney attempted to resolve the issue with Hyundai, through both fax and email but Hyundai has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

The due date for payments is the XXXX of the month. For the billing period ending XXXX a payment was made on XX/XX/XXXX. Then on XX/XX/XXXX the online app showed a payment due XX/XX/XXXX. A payment was made on XX/XX/XXXX for the XXXX due date. Synchrony then applied that payment to the previous billing period and on XXXX jot me with a {$30.00} late fee for not making a payment by XX/XX/XXXX, even though it was made XX/XX/XXXX.