davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

First of all I was furloughed due to COVID-19 starting XX/XX/XXXX. My payments are automatically deducted on the XXXX of the month. XXXX 's payment was not a concern I had enough to cover. I did check the company website in late XXXX early XXXX as it became more clear that i was not returning to work soon. The information I got was that they ( Navient ) was working with the government on a solution. After I heard about the Federal governments plan forgive student loans until XXXX XXXX I went and checked the status of my FFELP loan status. I understood, from the information I had, that I didn't need to do anything further. That was mid XXXX, it showed that I owed nothing come XX/XX/XXXX. So, I figured everything was good. I received a voice message from Navient on XX/XX/XXXX claiming that my payment was past due and I owed an additional {$27.00} late handling fee. I called them back on XX/XX/XXXX after checking the website first. According to the website I owed {$0.00} on XX/XX/XXXX and about 2 lines down it said there was past due payment from XXXX plus the late fee. So, I asked the agent what that is about? She said it showed {$0.00} owed because I have automatic payments. I said that is very confusing and then I asked her why my loan wasn't being included in the government COVID assistance program? She explained it was because i needed to consolidate my loan with the Dept of Education. I said it is a consolidated loan. I consolidated over 10 years ago when the POTUS said the interests rates were going up and students should consolidate their loans to lock in the interest rate. So, I contacted my service provider at the time and consolidated my loans. The Navient agent proceeded to then tell me that my loan is indeed consolidated, by not by the Dept of Ed. Navient owns my loan outright. So, I proceed to tell her that I've been furloughed due to COVID-19. I ask what are my options. She said my only option is Navient 's Emergency Relief program which lasts 90 days. I then asked will you be charging interest during this time. She replied yes. I went on to say this is why I fought Navient taking over my loan again. About 20 years ago I was working, but having trouble making payments. XXXXSallie Mae was my service provider then and told me the only real option I had was forebearance. Well, I ended owing double the original loan amount. The Navient agent said that in order for me to have control over who services my loan I would have to consolidate my loan through the Dept of Ed, and that she would email me the information. I said fine to that because I would like nothing more than to get rid of Navient from my life. I did agree to the Navient relief program for now, so that I don't keep getting hit with late fees and they don't keep trying to draft money that isn't there. Apparently in the meantime I have to consolidate and already consolidated loan.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (WA)

Repeated calls from unknown individuals claiming to represent Tate & Kirlin Associates , Inc. regarding a debt. 

Several factors of these calls are extremely suspicious : 1. The caller 's telephone numbers are always local, XXXX area code, although this business is in Pennsylvania. 
2. They refuse to discuss what the call is in reference to, unless I divulge personal and confidential information.

3. When questioned as to their identity ( i.e., spelling of their name ( s ), etc. ), they hang up in my face!

4. On Friday, XX/XX/XXXX at approx. XXXX PST, I called their corporate headquarters at XXXX. When asked why my phone number was being called, the representative stated TWICE that there was no record of my phone number in their files. However, after approximately 10 minutes on the phone, the representative claimed to have " found '' my telephone number in another database. 

This business has been reported to CFPB, HUNDREDS of times, yet they are still operating. I would like to know WHAT steps CFPB is ACTIVELY taking to monitor, police and punish Tate & Kirlin Associates , Inc. for their suspect collection practices!! Allowing these type of " businesses '' to operate is fostering the culture of FRAUD/SCAMMING that is running rampant, currently, in the U.S.!!!
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Good afternoon my name is XXXX XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes and I feel as though Im being ignored, and my issues are being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and the target breach and may have gotten into the hands of the wrong people. Inaccuracies on my credit report have cost me thousands this year and can not be ignored in this manner.
Consumer complaint received 2020-05-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Greetings, I'm an honorably retired and permanently XXXX military veteran. I'm one of the many innocent consumers affected by Wells Fargo unethical, illegal, and discriminatory mortgage practices. 

I have filed several complaints on the CFPB website about Wells Fargo 's egregious actions. 

I reached out to Wells Fargo on several occasions prior to and during COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

I bought my home while selflessly serving in the military. By joining the military and making other life choices, I was fighting for my country, building a promising future, and creating generational wealth. 

Unfortunately, I lost my home because Wells Fargo unfairly denied assistance to me. 
Wells Fargo initiated foreclosure proceedings, forced my family out of our home, and damaged my credit standing. 

Wells Fargo caused PERMANENT and GRAVE harm to me ( and my family ) emotionally, mentally, and financially. 

I wanted to keep my home in the family and pass it down to other generations. Wells Fargo 's biased actions have prevented that from happening. 

Additionally, I could not get assistance from other banking institutions/lenders due to Wells Fargo 's deceitful and dishonorable conduct of reporting foreclosure proceedings to the credit bureaus. 

I humbly request that the Consumer Financial Protection Bureau help me get compensation for the destruction that Wells Fargo has caused me and my family. 

Wells Fargo keeps denying any wrongdoing. I ( and other victims ) state otherwise. Consumer Financial Protection Bureau, please hold Wells Fargo accountable for their illicit actions.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (VA)

I have a trade line from XXXX  XXXX  in my Equifax file. All payments were accurately reported until recently, in which they are only reporting TWO of the payments, despite the account being paid off and closed in XX/XX/XXXX. I have confirmed telephonically with the creditor that they have made no reports on then account since XX/XX/XXXX when the final report was made. All payments were made on time, and did appear on the report until recently. This has negatively affected my credit score and thus decreases my chances for better credit opportunities. There was no reason to delete that info, other bureaus have it, and Equifax should not be altering the reports in this way. I have verified with the creditor that the information Equifax is reporting is incorrect Additionally, Equifax online disputing does not allow for disputing closed accounts. I called Equifax, only to find that they use offshore call centers, placing my and others financial information at extreme risk. 

I have copies of previous reports in my files, and can provide you with a copy of them, if necessary, for your review. 

I trust you will be able to enforce the ACCURACY requirements of the FCRA and other laws on Equifax
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (RI)

My name is XXXX XXXX My address is XXXX XXXX XXXX I am writing because I was locked out of my Us reliacard account, due to a change of address I was instructed to send documents I have three times The documents I've uploaded Is a lease statement A photo of of my landlord The phone number of my landlord My photo ID My w2 My SSN A selfie of me holding my id A selfie of me holding my debit card I was told it would be unlocked in 1-2 buisness days, it's now going on the XXXX I have no access to my funds I need to buy medicine I've called over thirty times The agents are all unhelpful, they all have a diffrent reason as to why the " company hasn't reviewed my documents '' I have contacted the PA unemployment office who has contacted the company on my behalf to have my account unfrozen and still no help Today was the last draw ( XX/XX/2020 ) I called at XXXX XXXX, the agent told me that they have received my documents, but they couldn't unlock it till after XXXX XXXX, and to call back then to have my account unlocked I called at XXXX XXXX, the agent who answered said there's nothing sh can do, that I should resend in my documents, I asked to talk to a manger she said there isn't any that work there. 


I am livid, they are holding my money because I changed address 's, I was forced to change address due to an eviction I have also uploaded the eviction notice I need my money to buy myself medicine to buy my self food and they have no right to hold my money on me I want this fixed right away
Consumer complaint received 2021-07-27
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. (LA)

On XX/XX/2021, I submitted a fraud dispute with the FTC report attached for fraud to Equifax. They told me with a valid FTC report it would take 4 days to remove. They were not removed. Equifax opened p another dispute on XX/XX/XXXX. They once again said it would take 4 days. Those fraudulent items still were not removed in a timely manner. On XX/XX/2021 the dispute was completed and I received a confirmation and letter confirming that those items were removed from my report. They have not been. It has been almost been 75 days and those items still remain on my Equifax Credit Report after I received notification that they were removed.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MO)

I am XXXX and I am not able to leave the house as often as I would like. I have been with U.S. Bank since 2007. On or about XX/XX/XXXX I made a mobile deposit on behalf of my minor son. I initiated the deposit via phone app from his account access screen and some how the deposit ended up in my checking account. The first {$200.00} was made immediately. The next day I received notice saying there will be a 7 business day hold. I eventually ended up with a notice saying Im blocked from online banking. I called and the fraud department told me the Branch Mgr placed the hold and the block on my account. I called the Branch Mgr after the 8th business day and she told me Im permanently blocked and could not explain why. 

I have not did any fraudulent activity with my account. My son has made several in person deposits into his savings with the same type of paycheck. 

I was accessed overdraft fees and being blocked from online banking and mobile deposits is a total inconvenience
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 i walked into my local Chase financial institution and deposited what i believe was {$960.00} into an atm machine located just inside of their doors. Im not 100 % sure of the amount because fooloshly i expected the atm to count it for me. Instead of my deposit going like normal, my money was taken and i was given a receipt that said there was an error. I immediately approached the desk and asked for help but they refused and advised i would have to file a claim through the number provided on the receipt. I did tjst right away. A few days later i received notice thatu cla was denied and mu account had been closed! When i called they said no money had been located and thst after their investigation they had concluded i put RUBBER BANDS into the machine and not money. Just ridiculous. I immediately went to the bank because surely there was a mistake. While there i got no resolution and was actually escorted out by police fpr trespassing. That day i escalated to the executive level and as a result another investigation was opened. A few days ago i was given the final decision which was no different from the original decision. It was XXXX from corporate who delivered that news via voicemail. I have asked and asked for video but was told they only review it for vandalism or if a crime was committed. There was a crime and my money and account are gone now. Please help!!! I can not afford this and have been put in a major bind because of it.
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (MO)

Loan amount {$500.00} taken by me on XX/XX/23 No explanation of the Finance charges {$1800.00} or Annual percentage rate XXXX % by a representative I was just told to sign the forms. I later realized this annual percentage rate was not normal for personal loans.
Consumer complaint received 2023-01-16
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 2024-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (GA)

my credit report ( i had id theft happen 1 year ago ) shows nothing in collections but i get phone calls from Allied interstate? untill they send me a letter im doing nothing. Maybe they trying to contact my ex-wife i took her phone over in XXXX because XXXX XXXX didn't work in NYC. Also she declared bankrupcy few years after we divorce
Consumer complaint received 2023-01-16
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. (TX)

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. 

XXXX  XXXX : XXXX, XXXXXXXX XXXX  : XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX 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 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 an 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 seven 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.
Consumer complaint received 2023-01-16
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. (LA)

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 2023-01-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.