davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

My complaint surrounds the now know predatory practices of XXXX XXXX XXXX. My duration of school was from XXXX - XXXX. I sought out XXXX for the XXXX XXXX and XXXX program. While I was fresh out of XXXX XXXX, they made sales pitches to me stating federal/private loans would guarantee my future. I would be placed with a well paying job right out of school and my loans would only help my future by improving my credit lines. From the application paper work to the application for federal/private aid through student loans, this was all facilitated through a rubber stamp type action, much like we saw on home mortgages. I fought every step of the way to gain an education which I thought I had paid for and ultimately left me without work and the ability to repay my loans. As the schools have no closed and previous lawsuit, much like the CFPB in Case No. XXXX are the exact situations I faced. There was no truth in lending and I have n't been able to obtain assistance from Navient, my loan servicer. I would appreciate the assistance and guidance to have these loans discharged, both federal and private loans.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO. (CA)

You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (MA)

On XXXX XXXX, 2016 Synchrony Bank sent me a letter stating that my application for a credit card from XXXX XXXX had been denied ( see attachment ). Since I never applied for a credit card from XXXX I responded to them stating the I had not applied and to notify the consumer reporting agency they used so as not to negatively affect my credit rating ( see attachment ). On XXXX XXXX, 2016 they sent me a letter explaining why my " application '' had been denied ( see attachment ). 
They never acknowledged that I did not apply for a credit card, nor notify the consumer reporting agency. 
I believe they have attempted to fraudulently seek to provide me with a credit card that I do n't want and never applied for.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

We filed for Bankruptcy XXXX in 2011, to save our home from going into foreclosure. We also went through a State program and was approved for {$24000.00} to help pay down our loan. A bankruptcy Judge added a court order for the bank to accept the money and the bank did not. I have all the paperwork. My complaint is the bank has inflated our loan and is now trying to foreclose on our home. I look forward to talking with you and sending any information you may need to proceed. <P/>Thank You, XXXX XXXX
Consumer complaint received 2017-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KY)

I have multiple private loans with Navient. I was continually fed false information on my repayment options. I was able to get in touch wit h one r epresentative who told me the correct repayment options available to me. I am currently in school full time and have a in-school deferment for all my loans, even the private loans through Navient. I made a " catch up '' payment  in  XX/XX/XXXX . The in-school deferment was recommended to me by the Navient representative in XX/XX/XXXX . I became a full time student in  XX/XX/XXXX . I began recieving 4-10 phones calls Monday - Friday, from Navient, starting in  XX/XX/XXXX . Navi ent uses multiple numbers and only leaves one message per day, despite the numerous phone calls.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the handling of my claim for non-receipt of goods with Bank of America XXXX On XX/XX/year>, I filed a claim ( Claim ID : XXXX ) for {$2100.00} due to the non-delivery of goods. Despite several months of waiting, I have yet to receive a satisfactory resolution or a refund. 

At the outset of my claim, I was informed that I would receive a temporary credit for the disputed amount. Subsequently, I was told that I would need to wait 45 days for my claim to be processed. However, this period was then extended to 90 days without any clear explanation. After this extended period, I was informed that I would need to wait for a response from XXXX, without being provided with any clear details on the status of my claim. 

I would like to emphasize that the handling of this claim has been marked by a severe lack of professionalism and support from Bank of America. I have received contradictory information from various customer service representatives, and no tangible assistance has been provided to resolve my issue. This behavior appears to contradict the bank 's obligations toward its clients concerning claims processing, as outlined in Florida law and banking regulations. 

Furthermore, the handling of my claim seems to be in direct conflict with the requirements set forth by Regulation XXXX of the Federal Reserve, which governs electronic funds transfers and mandates that financial institutions investigate and resolve customer claims within specified timeframes. Under this regulation, banks are required to issue a temporary credit within XXXX business days of receiving notice of an error and complete their investigation within 45 days. If the investigation takes longer, an extension is possible, but the customer must be adequately informed of the status of their claim. 

Additionally, I would like to remind you that Bank of America 's practices may be subject to the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), which protects consumers from unfair and deceptive business practices. The lack of transparency and contradictory information provided by Bank of America may constitute a violation of this act.

I am therefore requesting your assistance in recovering the {$2100.00} that is owed to me. I also ask that Bank of America be held accountable to its legal and regulatory obligations concerning the timely processing and resolution of claims, as stipulated by Florida law. 

I would be grateful for your intervention to ensure that this matter is resolved as quickly as possible, and I kindly request clarification on the available legal recourse to enforce my rights in this case. 

Thank you in advance for your help, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (CA)

We have a fixed mortgage on our home - we have always paid out mortgage on time and always online via the web portal of the financial institution that services the loan ( previously XXXX ). Recently our mortgage was transferred to another financial institution and the servicing of the mortgage was transferred to CENTRAL MORTGAGE COMPANY. 

We received details in the mail from CENTRAL MORTGAGE COMPANY how and where to make our new monthly payment. We followed directions on their website WWW.CENTRALMORTGAGEONLINE.COM as to how to make the monthly payment. We set up our account but they want us to pay {$5.00} per month as an additional charge for the 'convenience ' of making the payment online. Principal + Interest + their $ 5 monthly fee. 

In the past 16 years since we have been paying our ( various ) mortgages with different banks and servicing companies - we have never had today more than the agreed amount of the monthly mortgage payment. This is a bogus and erroneous charge and with add {$60.00} per annum to our payments and {$900.00} over the lifetime of the remaining balance on the loan. 

I called CENTRAL MORTGAGE COMPANY direct to see if there was a way to resolve this and they advised it was their policy for internet / online payments. 

This is price gouging - we have never been charged a fee previously by our original lender or their servicing company. 

Can you please investigate this as CENTRAL MORTGAGE COMPANY is unwilling to waive this charge. 

Thank you.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I sent a letter of dispute to XXXX and called the phone number ( XXXX ) XXXX as given to me by one of their employees at the phone number I called which was ( XXXX ) XXXX. XXXX has not responded to my request. 

The following is a summary of what I sent to XXXX and have not received a response. I have never been late on any of my accounts. 



I am writing to dispute an inaccurate late payment on my credit report for the XXXX account, account number XXXX. The reported late payment is incorrect and needs to be removed. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act, I request that this inaccurate late payment be investigated and corrected. Below are the relevant details : Creditor : XXXX  Account Number : XXXX Date of alleged late payment : XXXXXXXX XXXX  Please investigate this matter, remove the inaccurate information, and send me written confirmation once the issue has been resolved. I also request an updated copy of my credit report reflecting this change. 

in addition, I did not at anytime give the following companies permission to look at my credit report nor did I apply for credit with them and I want the unauthorized inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion consistently prevents me from accessing my credit reports, even after successfully signing in on numerous occassions. Unlike XXXX and XXXX, which reliably provide my credit reports without issue through the Free Annual Credit Report service, TransUnion fails to do so. They also generate unusual identity verification questions, and even when I answer them correctly, they still refuse to provide my report. 

This issue goes beyond access : I have serious concerns that TransUnion is inaccurately reporting my credit information. My TransUnion credit score is always significantly lower than my XXXX and XXXX scoressometimes by as much as 100 points. This week, for example, TransUnion is showing a score nearly 100 points lower than the others. Given that creditors often rely on TransUnion for credit checks, this ongoing discrepancy has unfairly impacted my financial opportunities and creditworthiness. Its essential that TransUnion corrects this issue immediately, as their inaccurate reporting is directly affecting my financial health.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act 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 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.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$380.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX