davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

My XXXX and I are XXXX XXXX borrowers impacted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The law was signed by President XXXX on XX/XX/2022. Per the law, we intend to separate our FFEL XXXX XXXX  Loan into XXXX XXXX Loans. We will then take advantage of the XXXX  waiver and expanded XXXX initiatives. Because we have been paying on our loans since the mid XXXX, our loans will be immediately forgiven under either the XXXX waiver, or the expanded XXXX  initiatives. We both have received confirmation that we have completed the steps required of us by XX/XX/2022 to qualify for the XXXX waiver. Recently, XXXX XXXX XXXX  and the Department of Education announced that implementing the XXXX will be delayed. In light of this delay it declared that upon request, loan servicer were required to place XXXX  XXXX XXXX Loans in Administrative XXXX until such time as the XXXX can be implemented. We have made XXXX requests to XXXX ( our XXXX XXXX to do just that. To date, they refuse to do so. Their willful failure to follow the directives of XXXX and the Department of Education require us to continue to make monthly payments and cause us to accrue unnecessary interest on a loan that will be forgiven.
Consumer complaint received 2021-02-10
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. (WA)

I have been disputing the same items off my credit report for the past year almost every single month and Equifax refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Equifax refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Equifax verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Equifax refuses to do so.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

From XXXX XXXX, I received letters from credit cards companies. These letters were thanking me for applying for a line of credit, but informing me that I was denied. I never applied for any credit cards not ever. I think these scammers have my social security number. I am afraid bc I do not know what else they are doing with my information. 

My Bank account with XXXX XXXX  was compromised a few weeks ago, I caught it in time and I never lost any funds. I closed that account and now I have a new one, hopefully it is secure. 

I am in the process of calling all the companies and I'm considering sending them letters also. It is Discover Card, XXXX, XXXX XXXX, and XXXX XXXX. I will not be surprised if more come in as well. 

My credit is terrible and I've been working hard trying to improve it. Will this situation end up with me having an even lower credit score than I already do? If so, how do I go about rectifying this? 

I would so appreciate any assistance you can provide. Thank you very much. Please feel free to contact me any time. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: J & B Endeavors, LLC (AZ)

I received a letter with a notice date of XX/XX/XXXX stating the amount of money I owe on my student loans and that I was eligible to participate in the " Student Loan Document Preparation Processing Services Program ''. The company provided a phone number which I called on XX/XX/XXXX, as the monetary amount that was noted to be due was accurate with what my XXXX XXXX was stating on their website. I called and set up payments to be taken out monthly from my checking account to go towards my student loans. When I called on XX/XX/XXXX, I was told I needed to submit my paystubs, which I did. I was also told what I was placed into a Revised Pay-As-You-Earn ( PAYE ) plan and that I would just have to pay $ XXXX. for 5 months beginning XX/XX/XXXX on the XXXX of each month, then after reconsolidating, I would be entered into the PAYE plan. I was told that if I worked any overtime, to let the company know so that they could adjust my account. I was told that my hours of working had to be over 30 per week in order to stay in the program and have my student loans paid down. I called again on XX/XX/XXXX as I was sent an email by a representative from their company stating that the monthly {$340.00} was set to be taken out of my checking account on XX/XX/XXXX. I immediately emailed back on XX/XX/XXXX and asked for a hold of the funds which they did not respect. I did not get an answer when calling XX/XX/XXXX ; I then tried calling the next day ( XX/XX/XXXX ), and an accounts representative answered and told me she was unable to help me and that she would only be able to set me up with a meeting with another person for XXXX XXXX MST the next day. I never received a call. When I emailed back, a different representative told me that I could call any time if I had any concerns, but I have been getting the run-around. I called my XXXX XXXX today ( XX/XX/XXXX ), who informed me that because this is a third-party company, there are unable to advise me in what I can/ can not do, but that at least filing something with the Federal Trade Commission would get me started. I intend to call my bank and have those funds stopped from being debited. I have also changed my passwords on both XXXX and XXXX as the company changed my passwords, password protection information ( e.g., city I was born in, etc. ), phone number, and email address.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

NewRez did not pay my Washington XXXX DC property tax bill. I received a letter from DC stating that I was delinquent on my property tax and that my house would go up for tax sale by XX/XX/XXXX. 

I called NewRez on XX/XX/XXXX or XX/XX/XXXX. I explained the problem. We identified then that the problem was that NewRez had the wrong parcel number. I gave them the correct parcel number. At NewRez 's request, I uploaded the delinquency letter to NewRez 's website. I was told that NewRez would resolve the problem by XX/XX/XXXX and call me back. 

On XX/XX/XXXX, I still had not heard from NewRez. I called them back. They apologized, took the same information again, and told me that they would call me back. 

On XX/XX/XXXX, I still had not received a single email or phone call from NewRez. I called them back. They apologized and took the same information again. This time the person I spoke to seemed competent, and that person escalated me to a supervisor. The supervisor told me they would call me back by XX/XX/XXXX. 

I can not believe that NewRez failed to notice this problem. But mistakes happen. What is most galling is that in almost 4 weeks, they have never bothered to reach out to me once. I have to go through hourlong phone calls to try to get help. And no help seems to be arriving. 

Moreover, I have to navigate a phone menu where I have to make selections or provide information 12 (! ) times in order to reach a tax specialist. I have to enter the last 4 of my social. I have to enter the loan number ( twice! ). As soon as the specialisXXXX finally picks up, they ask for all of that information again. So each of my calls takes 10 minutes to reach a person ( if there is no wait time ).
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Back in the beginning of XXXX, I called the Disputes department and asked them why my disputes against XXXX for {$130.00} was denied. They claimed they had no knowledge of the reason, but would request a letter to be sent out with more detailed information as to why the disputes were denied. They sent me documentation that XXXX had sent to them, showing print-outs from a computer, which were obviously based on a faulty system or computer error at the time. I had provided the Disputes department with the ACTUAL receipt that shows the total amount to be charged, along with the amounts listed right above that show what matched the total after XXXX and Rewards were applied. You can not argue with that. And physical receipts outweigh computer print-outs. They supported a print-out verses a physical receipt. When I spoke to the Disputes Department weeks ago, they put in a request for Reconsideration. Well I just received a letter in the mail dated XX/XX/XXXX -- " Their records show that no posting error has occurred on your account. " ... But my records show otherwise, and again, physical receipts overrule computer print-outs...
Consumer complaint received 2022-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TX)

My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I have noticed that banks and bank account are getting changed over from XXXX XXXX XXXX to XXXX XXXX XXXX. I have XXXX hackers. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Who have been stealing money from my accounts. I have not touched a XXXX of the money in any account. I need this to be corrected immediately. I need law enforcement to track down every XXXX these XXXX have taken. Please. They are harassing me and will not leave me alone. Please. Also change the reference XXXX on ally forms. XXXX  has passed away and her family is in on trying tos teal everything I have. Please do not reference XXXX with anything to do with any of my accountsm XXXX XXXX. Please be aware that XXXX XXXX XXXX and XXXX XXXX XXXX have a fake passport and a fake POA. Please do not use in any bank transaction. Do not allow bank transfers of any type. In the XXXX and XXXX international. The XXXX and XXXX are no longer an association with me. In any matter.
Consumer complaint received 2023-01-27
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; 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 XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (AZ)

the original student loan was taken out in XXXX, they have kept these loans on my credit report since XXXX! They are absolutely abusing my credit history! 
XXXX flagged my report 4 times in 4 weeks greatly hindering my credit score and life. 
I want them to cease and desist immediately and due to their abuses Im seeking forgiveness for their debt. 
XXXX I'm seeking due to covid 19 I've been isolated since XX/XX/XXXX unable to work and am now XXXX on below poverty level living so I'm seeking a removal from my credit report and requesting minimum two year hold on reporting to the credit bureaus, to allow me to stabilize my life,, so that i can pay that debt.l
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NV. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX 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 instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Fresh Holdings Inc (AL)

My credit line amount is {$1400.00}. My original withdrawal was {$1400.00}. In XXXX of XXXX  my balance was {$1400.00}. The fees and biking charges are {$85.00} each bi-weekly period. According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures.

Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ).

My complaint is that it is taking advantage of me if my new credit balance is {$1500.00}. My booking charges in two months amount of two {$420.00} and the credit amount to my actual balance is {$98.00}. That is a total of {$520.00} paid year to date with {$98.00} not yet posted to the account as of today XXXX XXXX Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back.
Consumer complaint received 2023-05-19
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I write regarding the closure of my capital one credit card on XX/XX/2020. On XX/XX/2020, I learned that my card was restricted due to fraudulent activities and someone from Capital One would be in-touch to inquire. On XX/XX/2020, I contacted Capital One and was transferred over 6 times to different people and received no help. Finally, I learned that my account was closed due to two payments that were returned. I have my monies transferred to XXXX XXXX, which I then transfer to XXXX XXXX ( I am in-process of home shopping and I use XXXX XXXX for saving purposes ). Due to COVIS-19, branches are very limited and staff members have been impacted, which has affected the way I transfer my money. 

When I learned both times that my monies were returned, I immediately contacted Capital One and verbally/clearly explained the issue. I even asked the representatives to process another transfer so the payments could be extracted. I also wanted to note that pre-COVID-19, my payments were on time, in-full, every month. 

Today, XX/XX/2020, I contacted Capital One, once again to speak to someone who could help, but was once again transferred over 4 times. Since all calls are recorded, someone in Leadership of Capital One can verify. I am asking that my account please be re-opened. I am preparing to purchase my home and my credit score has dropped 45 points and I worked too hard to let this happen. I opened this secured credit card to build my credit, which I have been doing -- I have an exceptional payment record with Capital One. I would like a reversal because I am being negatively impacted, I have done my due diligence to resolve this matter but have received no help.