davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I had begun paying my Federal Loans using Navient 's online payment system then for some reason the website stop taking my payments. An error prompt would display saying that my requests could not be completed. I tried many different web browsers and operating systems and the problem continued. The lack of not being be able to pay my loans online resulted in a major inconvienence and displays a huge chunk of customer service/satisfaction on Navient 's end. I called in to let Navient know that this issue was happening and the Reps told me that they were able to simulate the payment process and that it was all working on their end. They even walked me through the process to ensure that I was doing it correctly and the issue continued on my end. This resulted in me having to call and spend atlast 30 mins on the phone and be threatened with a processing fee in order to pay my loans on time after doing this for a few months in a row I decided to hold Navient responsible for the errors in their website and this unfortunately has forced my account to go delinquent as I am still not able to pay them online. I continued to bring this issue up and nothing was ever done about it, I was told to contact the Tech Support Team regarding this issue and I was never contacted back and here a we are a year later with the same problem and no solution. I have tried contacting Customer Service by email through Navient 's website and as soon as I finish my letter and press send I am told that I do not have access to such a feature. I tried this on different devices and operating systems and the issue continues. I have also tried contacting Customer Service by Phone and I am redierected back to the Collections Departament, and everytime a Rep claims to transfer me, the call is ended and I am back at square one, almost as if no one wants to talk about this issue or take care of it, yet they still demand their payments. 

I have also asked Navient to stop monitoring and recording my calls in order to protect my privacy and everytime I ask them to do so, they disregard my request and hang up on me, I feel this is very wrong as I as an American Citizen have rights and never agreed nor signed anything that allows Navient to monitor and record my calls. 

I had been offered to put my loans in forbearance but after seeing so many horror stories on the news I feel that it is not safe to do so without at least presenting my issues to the public and CFPB.
Consumer complaint received 2023-04-26
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. (NJ)

I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Gurstel Law Firm, P.C. (AZ)

I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We have not even gone to court yet the trial date is a few weeks away and I am now getting threatened.
Consumer complaint received 2023-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

This is a follow up to my complaint XXXX from almost a year ago. TSI keeps claiming that my insurance was billed but has failed to provide proof. It has been a year of them forwarding me the same bill from XXXX XXXX instead of any communication from my primary insurance. I did see last year that my complaint XXXX was closed, but did not see until now that feedback had been requested from me about how TSI has responded to my complaint. Would you please intervene by either reopening complaint XXXX or starting a new complaint. It has been a year of back and forth with no resolution.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX of 2022, Bank of America authorized an individual on to my business bank account, without notification to myself of any kind and proceeded to allow them to sign up for ACH transactions to XXXX XXXX showing my name as the Transaction description. A total of seventeen transactions took place over the next four months, totaling a monetary loss to my account of {$35000.00}. 

Since this initial dispute, both Bank of America and XXXX XXXX have documented admittance to these transactions being fraudulent and not be condoned, signed by, or authorized by me. Both companies have been continuously difficult and negligent with their due diligence to help me recover my funds, or release information of the individual who committed grand larceny within my account, or taken responsibility for allowing these transactions to take place, unannounced to me until I caught the transactions myself. 

I have spent countless hours, days, weeks, trying to battle these FDIC insured businesses to give me my money back or the information of the individual. They have told me excuses like I found out too late, or they cant, due to privacy laws, release their information. 

Well, Bank of America finally did. I was given the name of the individual they allowed into my private, business bank account, and allowed to take almost $ XXXX of my money in four months. With that being said, not only did Bank of America allow this criminal to get onto my account without notification, they admitted it was fraudulent, told me they couldn't release their info, and now just did. So there are a number of things that need to be address and multiple suits that need to happen. Aside from the larcenist who needs to be jailed for this fraud, Bank of America also needs to be held responsible for the action they took to let them get onto my account, steal my money, lie to me about it, belittle me for it, and now deny to give my money back that they released. 

I have called lawyer after lawyer, police, news stations, the Attn General office. I finally sent a demand letter to both Bank of America and XXXX XXXX on XX/XX/XXXX to respond with answers to my questions or return my funds. Return receipts showing those banks received those letters on the XXXX and XXXX of this month. I have no idea why this has been such a nightmare when these Federal Institutions hold an oath to uphold honest and fair banking to us consumers and I am getting no help. I have documents, proof, statements, even the name of the criminal and still, no one is helping get my money back. 

I have attached the demand letter that was sent to the bank with relevant attachments including all the fraudulent transactions, the letter from XXXX XXXX and Bank of America, and the attachment Bank of America sent me with the criminals name showing on my account, as STILL ACTIVE.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NY)

MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act Convergent Accounts are violating my rights # XXXX for XXXX XXXX XXXX, XXXX bank # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 instructions in accordance with the law 15 U.S.C 1681 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. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), 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.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX check # XXXX amount is XXXX, checked cashed by fraud, my XXXX says they donot receive the check, and their bank is XXXX XXXX XXXXXXXX, someone from XXXX XXXXXXXX XXXX they cashed the check without endorsement as well, we filed a claim to chase bank and also reported to police we submit all the info to chase bank, and around 8 month later, they reply me on XX/XX/XXXX says cause the XXXX XXXX didnot reply back to them, they close my claim
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: World Acceptance Corporation (TN)

They had an automated messaged call and threaten to take me to court and sue me. When I called the number back to inform them they were in violation of my rights, she decided to try and convince me I took out a loan in XXXX at a place I was supposedly working, but the place that was on file I hadn't worked at since around XXXX. She then tried to tell me there was no statute of limitations on this loan, wouldn't give me any information to contact someone, threatened to take me to court, and still quoted wrong information. I told her if they garnish my checks then that is going to cause undue financial hardship for me and my daughter I'm raising, and I basically got an " oh well '', even though I never took out a loan in XXXX. I've never received anything in the mail, no prior phone calls or anything.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NC)

I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished on my report
Consumer complaint received 2023-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.
Consumer complaint received 2023-04-28
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)

INQUIRIES UNAUTHORIZED & UNVERIFIED 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase credit card XX/XX/2023 which I thought I was prequalified for at the time of opening a new bank account with Chase. The reason why I thought I was prequalified was because it was given to me as a special offer directly through my bank account app .The credit card application was denied. I received their denial letter, so I call for reconsideration on XX/XX/2023. The lady I spoke to who took the book to from reconsideration department, who took the final decision, told me that she could not qualify me because of past history in there chase files said they were said {$20000.00} credit card was charged up in the pass and resolve through identity theft and she clearly stated that that was the reason why she could not approve me. I also have bankruptcy, but she said she can not overlook the bankruptcy due to the bad history on that credit card even though it was already resolved, and the conversation finished there.on XX/XX/2023 I called them so I can retrieve their file that states the {$20000.00} credit card XXXX  the manager I spoke to said that that car was only charge for {$16000.00} and that no she can not give me those files and she gave me a phone number which ended up nowhere
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: YSA ARM LLC DBA Oxygen XL (CA)

I received a debt collection notice from Oxygen Recovery Group claiming that I owe XXXX XXXX {$880.00}. I have requested proof of this debt and have received nothing from them other than a threat that if I do not pay, they will report me to the credit bureaus. I do not recognize XXXX XXXX as an entity with which I have any business dealings. Further, I have no way to contact them to verify the debt, if any.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

To whom it may concern, On XX/XX/XXXX    I sent a letter via certified mail to Experian a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply stating that the letter was not from me, so no action/changes ( tho harmful ) would be made on my behalf. 

I AGAIN sent letters on XX/XX/XXXX regarding the same and other issues that this company is continuely reporting on my credit. Only to be met with the same computer generated email/letter on XX/XX/XXXX. All of the above attempted communication with this company has been sent with photo ID and a utility bill proving this communication is from myself directly. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterrent of my rights to a TRUE investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been well over 30 days and I have not received my due process of the above issues.
Consumer complaint received 2023-04-26
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. (TX)

I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!