davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I co signed for a loan for my son through XXXX XXXX which eventually was sold to Navient. The total amount of the loan was for {$5200.00}. The loan payments started on XX/XX/2007. I faithfully paid {$90.00} every month for the last 10 years. At one point XXXX XXXX screwed up my payments and started charging me a late fee. I called and asked them to fix this which they did but at another time they started assessing another late fee when I was n't even late. Based on my calculations, I have paid back {$9300.00} in principal, {$10000.00} in interest for a grand total of {$19000.00}. This is almost 4 times the original amount of the loan or a 74 % interest rate. My payment due date was considered the XXXX of each month. Last month I called Navient to explain this situation and asked for my loan to be considered closed and paid off. They would not do so. Attached is a document I pulled off Navient 's website showing my payment history for this loan. You will see that I was almost always early with my payments. I feel Navient misappropriated my money and abused my account. Plus I strongly feel they should repay me some of the money I overpaid to them. Thank you for looking into this for me.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I purchased two water heaters for installation by Lowe 's Home Centers on XX/XX/19. Listed below are my concerns that Lowe 's has not corrected : 1. Water heaters delivered face down in truck. Manufacturers .guidelines on box state that water heaters are never to be laid down.

2. Rusted T valve used to connect two brand new water heaters. I asked the installer to use a new one but he refused. Wood blocks were used to hold up this T valve. According to the manufacturer no combustible materials are to be used next to a gas water heater.

3. Lowe 's sent out two bent up pans to be used for the installation, but installer had to go out and buy two new pans that were not what the manufacturer recommended.

4. Vent Pipe to ceiling and roof has a hole that should not be and should have been adjusted 5. I sent in a rebate form that was printed out at the time of purchase and mailed it in during the time specified in order to get the rebate. Lowe 's installed sales manager cancelled this receipt on my credit card without my permission. It was rebilled after the dates to qualify for the rebate. I have asked Lowe 's to comply with the terms of the rebate offer and give me the Lowe 's credit card I am due. They do not want to comply with the terms of the offer.

6. I have requested an original copy of the adjusted receipt but have not received it. Since this affects my credit card I have a right to receive the original adjusted receipt.

7. The company Lowe 's hired to install the two water heaters should have pulled a permit before the work was started. They pulled a permit 5 days after they installed it. When I called the permit company I found out this company did not have a valid license on file and that there insurance was not current.

8. Installed sales manager told me recently that she was writing a work order for the company XXXX XXXX to come back out and make corrections but she has told me that they are now refusing to come back out to make corrections.

9. I found out after purchase of these two water heaters that the manufacturer has had problems with their gas water heaters and many have been recalled. Lowe 's did not tell me this.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I have filed a complaint with Experian and called and made a compliant - filed disputes with both. In 2016 I was heavily in an addiction. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the XXXX XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX  to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX   and Ive been XXXX  and in XXXX since. 

I have called and explained the situation to both Experian and XXXX, which I was told by both there would be an internal investigation. I did ask XXXX  for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX  and XXXX  XXXX was removed. So it seems its more of an Experian issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX   XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.
Consumer complaint received 2024-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient has consistently been deceptive. Loans should be resolved. Administrative forbearances were placed on private loans for years without my knowledge or consent. During this time, I had a demonstrated inability to repay these loans and they should have been defaulted and charged off. Instead they were held onto for 14 years. I am concerned that these practices and others go against Consumer Protections like the right to be informed and fair debt practices. I am concerned that the lack of transparency, or information provided to me or available to me has prohibited my ability to repay and resolve these loans. These loans have been on my credit reports for over 20 years and have significantly impacted my financial life.
Consumer complaint received 2019-06-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (MA)

This is in regards to a MEFA loan from XXXX. My husband became XXXX in XXXX. I found out in XXXX of XXXX that we could apply for a XXXX forgiveness of the loan. I did so and finally in XXXX of XXXX we received a call saying it was approved. Now they are telling us that they took his name off the loan however since I co-signed the loans they have been put in my name only. Since his income is drastically reduced since his XXXX, and we are together, this does not seem to be fair. If they had told us that it would revert to me I wouldnt have bothered with 8-9 months of paperwork and aggravation. According to their website, the current policy is to remove loan completely. They are telling us that the policy when we took the loan didnt state that. 
I think this is unfair and want to know if I have any recourse from this loan
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I contacted Equifax to clean up incorrect information on my credit file and to have them update the credit score which is more than 150 points less than the other bureaus. When I called I provided them my full name, social security number, date of birth and address. Then they wanted to verify other information on my report. So, I gave them the auto loans, credit cards and student loans that I have open. They then asked me to give them the same information for accounts from the past. I have not had any of these type accounts for over 10 years and I do not remember the names of mortgagers or finance companies I had products with. After spending all this time answering their questions ( 15 minutes ) they then say they can't help me because they can't verify the answers I provided! This is the third time in the last two years they have done this. The end result is I can not correct the bad credit rating they have on my account because they are using information that is likely wrong to determine if I am who I say I am. I need a remedy so that the appropriate changes can be made to the credit record they have with my name on it. Thank you
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My complaint is against XXXX XXXX and all 3 credit bureaus ( XXXX, EXPERIAN, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX  , EXPERIAN , XXXX  ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-14
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: Experian Information Solutions Inc. (NY)

Re : XXXX Credit Card Was paid in settlement to XXXX  XXXX XXXX XXXX XXXX but still the Credit reporting agency Experience is not correcting the profile showing as STATUS : '' closed {$620.00} written off " spoke to XXXX they transferred XXXX to XXXX @ XXXX XXXX XXXX XXXX, they transferred me to XXXX XXXX @ XXXX XXXX XXXX XXXX, they transferred me to XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX who informed me that the account is paid off to XXXX @ XXXX XXXX XXXX XXXX. 

after speaking to Experience telling them the said account is paid off and informing them of all various agency contacted still nothing is being done by them to correct my profile.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

My phone was stolen at a night club on XX/XX/XXXX and used to initiate XXXX Transfers to an unauthorized person in the amount of {$5000.00}. When the fraud was reported to Bank of the West, they asked that I submit a fraud claim with them. Following that claim being submitted, the bank denied the fraud claim as they said that I was being careless with my personal property and that the fraud was actually my fault. I have been treated as a co-conspirator by Bank of the West since this process began and I am the victim here. I have had an account in good standing with Bank of the West since XXXX. The Bank first denied my claim because the banker ( XXXX ) I was working with at the XXXX XXXX XXXX did not understand what had happened when he took the claim. I was then contacted by someone named XXXX who was with Bank of the West. She interrogated me again as if I was a co-conspirator with the person who stole my money. After I told her what had happened, she attempted to lay the blame on me saying that I was irresponsible with my property. After she berated me, she told me that she was waiting to hear back from the receiving bank to try to get the funds back before she credited my account back the funds that were taken. I told her that I would wait until the funds were credited back into my account from either the fraud person 's bank or Bank of the West credited my account back. She assured me that I would receive the funds either by retrieving the funds from the receiving bank or by Bank of the West crediting me back. She even said that she wanted to delay crediting my account back the {$5000.00} because she didn't want my account credited back {$10000.00} if the receiving bank sent back the funds that were taken. Following that phone call, I received a letter from Bank of the West again denying my claim and now saying that I needed to contact the receiving bank to get my funds back.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX AND XXXX XXXX XXXX DECEASED, WE ARE THE EXECUTOR 's FOR BOTH. XXXX XXXX XXXX XXXX STOLE MY PARENTS FUNDS AND WANT ALL MONIES IN CHASE BACK OR WILL SUE DAMAGES FROM YOU ALLOWING FRAUDULENT CONDUCT. SEE ATTACHED INFO
Consumer complaint received 2019-06-14
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. (IL)

Experian has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Experian for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Experian credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Experian they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX XXXX Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Experian. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX & XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX XXXX Bankruptcy Court stating they do not report ANY information to Experian why is this credit bureau XXXXeporting false & inaccurate information under my name and social security number.
Consumer complaint received 2019-06-14
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. (FL)

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Saturday, XX/XX/2019, I went to XXXX XXXX, XXXX, NY ; XXXX XXXX   for a dress. I was charged {$41.00} ; I was credited and charged a second time, then was unable to be charged. I called Chase and the customer service representative said that there was only one charge made at XXXX XXXX. I left the store and checked my Chase Bank account ( checking/Visa ) Sunday and Monday XXXX XXXX/XX/XX/XXXX, my account ( checking/Visa ) was still correct. 
On Tuesday I went to get a coffee and the XXXX XXXX cashier said my card was declined! I looked online and saw that my account was ( minus ) {$18.00}! I l called Chase Customer Service @ XXXX ; she said I had to file a claim because the store had charged my 465 times {$41.00} and CHASE LET IT HAPPEN! Chase called me back at XXXX XXXX and the claim rep said I had to call XXXX, that they can not do anything.. I let her know that I expected my money back and let me know what was going to happen. I spoke to XXXX at XXXX, the District Manager, XXXX answered, I told her what happened she said she would speak to her Manager and get it figured out. I waited and neither company called me back. At XXXX I called Chase and XXXX and left messages. I called Chase back and was given to a Claims Supervisor, XXXX, she stayed on the line with me for about 1:30 minutes working on resolving the issue but was unable to do all of the reversals because her computer would not let her access that many. I asked for her to call me back when it was figured out, she said probably not till Friday. I have NO MONEY, NO CHECKING ACCOUNTNOTHING! 
I spoke to XXXX corporate office in California and XXXX XXXX was trying to figure out a way to have my money refunded to my account that same day, Tuesday XX/XX/2019. He stayed to contact with me and had a meeting with Chase. Later that night around XXXX money had been credited to my account. I checked that next day Wednesday XX/XX/2019 and it was a little bit off but seemed as though everything was getting settled. Then I woke up today Thursday XX/XX/2019 and my account is now minus XXXX. XXXX is still charging me over and over again for the same dress, the same transaction number and it is not stopping and CHASE IS STILL LETTING THEM AND NOT EVEN CALLING ME! You will see some of the thousands of transactions being made. I included several pages but not all because the first time it was 465 times at XXXX and now today 1,000 times at XXXX!! 
This is why I am contacting your department. Please help me. I have NO MONEY, NO GAS IN MY CAR AND THEY ARE STEALING FROM ME! 
Thank you, XXXX XXXX
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (OH)

From XX/XX/2016 to present. I send Experian several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required.

Experian never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ).

( a ) Thenameofthecreditor ( b ) Thepersonsname and title showing thattheyverifiedthedisputewith ( c ) Theaddress ( d ) Thetelephonenumberand ( XXXX ) Thedocumentationusedtoverifythedispute. 

If Experian reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Experian non-compliance. 

Anyone paying for experian services could fax, mail, or email in a fraudulent account. 
Since it still reporting on my credit report I'm sure that experian could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (FL)

Previously advised agency that I was in dispute with the original creditor regarding fees associated with move out.. carpet replacement fee, Agency refused to allow me time to negotiate with original creditor regarding this. They reported to XXXX after I adivised several times I wanted to discuss with original creditor.. within 1 30 day period they reported same account 3 times to XXXX in hopes of decreasing my score ... 
I am still in dispute of my liability of replacing carpet at apartment I paid apartment over XXXX dollars all I owed minus disputed items