davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TN)

I would like to work online for my school to pay off debt for my XXXX XXXX cant get anyone to assist in getting me started my health will not allow me to compete in any service oriented jobs to wash the loan or get rid of half amounts I am of age now and this is causing me a lot of unneeded stress Thanks for a solution I have many friends younger than I am a their student loans are eradicated and this is very disturbing and negatively effecting my over XXXX XXXX unnecessarily my loan have been hanging over my head for over XXXX yrs and nothing has been done except delayed only to come back on my report and now I cant go out in the workforce
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have a Citibank credit card. I went to a Citibank branch on Monday, XX/XX/2024, to make a credit card payment. I gave the bank teller my valid drivers license and cash for my minimum payment due. The teller refused my cash payment because I dont have a Citibank deposit account. I informed the teller I am a Citibank customer and making a payment for my Citibank credit card. Again, she refused to take my payment because I dont have a Citibank deposit account. I dont want a Citibank deposit account. I need to make my credit card payment in order to avoid a 30 day late payment which could have a long term negative impact on my credit reports and scores. Citibank prohibited me from making a payment to my credit card. This is egregious. A deposit account is irrelevant. A customer is a customer. No customer should be denied the ability to make a payment. This is an unfair and abusive act.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC (PA)

Sometime around the week of XXXX XXXX I received a phone call from this company called ERC demanding I make a payment before a certain date or my credit would be damage. I never recant letter stating any debt owed on my behalf. In XX/XX/2021 I learned that the company reported the debt I allegedly owe to the credit bureau. This company threatened me over the phone and never sent me any letters and now is damaging my credit.
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-25
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: Navient Solutions, LLC. (AZ)

Per 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. 

I have not given any written instructions to XXXX, XXXX  or XXXX to furnish a consumer report with the Department of Education/ Navient . This is a violation of my consumer right to privacy. 

I am requesting this be deleted from my consumer report immediately. 

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for Navient to be deleted from all 3 agencys, XXXX, XXXX and XXXX
Consumer complaint received 2019-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (CA)

I am graduating school in XXXX. I contacted Discover Student Loans multiple times to find out what my payment would be. They have refused to just tell me what the payment will be, and said they would mail me a schedule when the online link wasn't working. The first attempt to mail never arrived. The second attempt is outdated and shows payments as though I had been paying since 2008 and hadn't deferred while in school. I still don't know what my monthly payment will be or my payment schedule and it seems like Discover is being purposefully deceptive.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Google Compare Credit Cards Inc. (IL)

I closed my account on Google XXXX account they want let me close account they took XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to XXXX, Equifax, XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.
Consumer complaint received 2020-07-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC (FL)

I got a high interest loan for XXXX from XXXX/Amplify after I already paid them XXXX I got sick on the on a virus called them to explain that I'm a XXXX XXXX XXXX low income retired unable to continue the XXXX biweekly payments they were taking from my bank account, but the Representative were agressive indicating me that I'm in collection by the above Company, I need help on this matter because I really can't afford those payments, I need to know if is legal to overcharge a person in this way. XXXX is located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX, phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate your attentions and all help you can help me on this regard. Thanks for your time. XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Fl XXXX my SS # XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NC)

I visited XXXX, Fl on or around XX/XX/2021 for three days. Used a car wash and the sales person talked to us getting a unlimited was and buy a monthly pass which would have been a better deal even if we used it twice. He didnt ever mention recurring charges. After I realized the recurring charges on my account, I called XXXX XXXX XXXX but no one seems to answer the phone. Mailed in a letter but no response received and the charges are going through my account monthly. 
I called in to the credit card customer service and the lady was unable to help me the dispute.
Consumer complaint received 2019-11-15
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

Account name : XXXX  XXXX XXXX # XXXX, account name : XXXX XXXX  # XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to file a formal complaint against Bank of America concerning their handling of a recent dispute. Approximately a year ago, I placed several pre-orders through XXXX with a merchant. I have substantial evidence, including email correspondence, indicating that the merchant will not fulfill these orders due to a warehouse issue. The merchant has advised me to seek a refund through my bank. 

I have successfully disputed similar charges with other financial institutions, such as XXXX ( under XXXX ) and XXXX XXXX, for the same merchant and timeframe. However, Bank of America has consistently refused to investigate my disputes, citing their policy of not reviewing transactions older than 60 days. This stance persists despite my clear and irrefutable evidence supporting my claim for a credit. 

Furthermore, Bank of America initially opened my disputes but subsequently closed them within days without conducting a thorough investigation. This lack of action has left me with no resolution for the disputed charges. 

I respectfully request your assistance in addressing this issue and ensuring that Bank of America adheres to proper dispute resolution practices. 

Thank you for your attention to this matter.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2021-06-25
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)

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX  in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ).

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX Risk Solutions before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

Concerned that the information I report in employment online screenings are being used or intercepted by the wrong people including XXXX XXXX XXXX to harass and discriminate against XXXX people to " keep them from becoming successful ''. Below is a complaint I submitted about how multiple survey sites are being used as well. 

I am concerned about information getting out from multiple survey sites into the wrong hands including XXXX. There is a local church community ( XXXX XXXXXXXX XXXX XXXXXXXX ) involved with trying to 'study ' a XXXX person before they tend to XXXX XXXX. My name is XXXX XXXX and I am living in XXXX, CA with rumors from these conspiracy groups that I have XXXX XXXX XXXX myself by now with the XXXX XXXX XXXX from Florida calling to check on me after seeing a missing person 's post. These organizations are utilizing survey questions that I filled out over the years to create a false reality to try to cause me fear, become violent or make me XXXX, none which I am in order to " study '' me further. Supposedly they have placed some device in my head, but have no idea what or how it is utilized besides people at XXXX XXXX XXXX where I reside responding to thoughts. There is a hole in my head that wasn't previously here. They created some sort of " XXXX XXXX '' story and the small town of XXXXXXXX XXXX people are obsessed with me having a XXXX listed as a XXXX XXXX. Yesterday impersonating of a XXXX XXXX XXXXXXXX was used to put a homeless man 's dog down just for this XXXX to study how a XXXX person reacts. This town lists XXXX XXXX as the President in their XXXX phone book. There are multiple key players involed in using these online survey sites such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  organizations. I am being told now I can not leave the Town of XXXX and because of being financially unable to leave I am trapped in my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I come and go freely and since moving here XX/XX/2021 I became a XXXX at the local XXXX, just to have the local XXXX involed now with a XXXX XXXX complaint. Please remove these survey sites as they are being used to harm the XXXXXXXX XXXX XXXX XXXX XXXX, homeless and people of XXXX community. I previously used only XXXX internet for my home computer and phone by using my mobile hot spot so also concerned XXXX is involved. 

Chase Bank in the XXXX XXXX XXXXXXXX is involved.
Consumer complaint received 2020-05-25
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (GA)

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}
Consumer complaint received 2020-05-25
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 — Problem with personal statement of dispute
Company: CORELOGIC INC (GA)

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). You have NOT provided me a copy of ANY o
riginal documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, EQUIFAX and XXXX were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.