davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (ME)

As a customer of navient who pays their bill monthly I called them countless time ( mostly in tears ) to ask them to lower my student loans and make them more affordable. Often times I was told that it was n't possible and that I did n't qualify for income based repayment because I file my taxes jointly. I have federal, department of education, parent plus and private loans all through this company. It nearly drains our bank account every month and they have assured me I 'm at the lowest possible payments. They 've also informed me that due to the loan my dad chose the payments go up every 2 years and there 's no way to change it. I ca n't take my co signer off my loans or transfer the parent plus into my name even though I 'm the one who consistently pays. It 's been an awful process and I still have many years left with them. I hope you can help others like myself stop this from continuing. I am also informed that since I am a XXXX I am not eligible for any sort of XXXX forgiveness which is totally absurd. I make way less than XXXX and we meet all the same requirements as they do.
Consumer complaint received 2016-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I graduated from XXXX XXXX XXXX in 2010 and was very overwhelmed with the cost of my tuition I have to pay back. I tried asking for more explanation about the details of the loan and program I was going in for but never gotten the help from anyone. 
At first, I just wanted to visit XXXX XXXX since it is closer to my home and schedule can be very flexible, that day I felt like I was pressured to stay and enroll right away, they asked me to fill out loan applications and different paper form. 

Now that I am planning on continuing with my education I was told that all my credits from XXXX XXXX XXXX can not be transferred so now I am stuck, I know for sure I will never go back there because of the money they charge me. None of these information was given to me when I first applied. 

**We were un aware that they will have a loan under my name and under my step dad 's name until all this migration from XXXX to Navient happened not too long ago.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2015-06-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BOK FINANCIAL CORP (FL)

The Bank of Oklahoma trust department has been concealing important information on a municipal bond issue cusip # XXXX. 
The bank 's trust officers XXXX XXXX, XXXX XXXX and XXXX XXXX have failed to ever file MSRB-EMMA disclosure statements concerning the financial viability of the health care facility. As well as failing to disclose relevant information concerning the operating license and occupancy rate at the facility. 
This information has been concealed by the trust department, while at the same time telling registered municipal bond brokers that the facility was in good financial health. 
This FALSE information was passed along to me as an investor, and has caused me to suffer a complete loss on my investment. 
I request that the Bank of Oklahoma make me whole on the worthless bonds. 
The bank has known that the facility was closed a few years ago, but concealed the detail from investors.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at First Premier on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-08-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

XXXX 2010 I co sign for my son s car payments have been made till toda y XXXX more payments are due to paid off the loan today I received a notice that my credit score has drop by XXXX? points the loan is up today allied fin I think is out of control or the people they employee. Thanks XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WV)

There are many derivatives of my name and address reflected on my credit reports that are inaccurate. I would like my profile to be updated to reflect only the following address, full name, birth date, and personal information to coincide with my government issued documentation that is attached to this complaint. 

Full Name : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, WV XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I was a XXXX XXXX  victim from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the black market and used to obtain lines of credit that I did not authorize.
Consumer complaint received 2016-10-10
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALLY FINANCIAL INC. (SC)

There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested
Consumer complaint received 2017-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I have had better luck going through you to get a response out of Navient than getting ahold of them directly.

I've been trying for over a year to get back into an income based repayment plan. I was on one with XXXX  before Navient bought them out. Then I submitted everything and somehow my accounted ended up in forbarance. I can't recall why. So earlier this year, I went to submit the application again, with my XXXX and was told that it was too early to apply for IBR. however, I wasn't in IBR, I was in forebarance. I had not been in IBR since the previous year (I may have requested forebarance because I had changed jobs and taken a substantial pay cut), anyway, now I am trying to get the status of my application and I am getting NO response. I use the email XXXX because I just do not have the bandwidth to be calling and calling and calling. You can't use their on line system because I can't just respond to an email. I have to log in and half the time my password doesn't work, so I have to reset it. Its such a convoluted mess. I was having very good luck dealing with the advocates vs the customer service, but now I find I am getting no response with either.

I submitted an application and after 3 retries because either I checked a box wrong or they didn't accept the documentation I'd submitted as proof of payment (which, by the way neither the emails or the letters in the mail tell you exactly what is missing or incorrect. you have to call. then you sit on the phone. then you wait for someone who knows what is going on. This game is exhausting.

I got a late notice in the mail, however, I never got a bill and I've never had a response to my IBR application. 

I want them, AGAIN< to waive all the interest accrued during this maddening process. I want an affordable repayment plan. Or I want the option to have a different lender handle my loans. Someone who actually does what they're supposed to do, like XXXX who I had previously.
Consumer complaint received 2017-07-21
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. (TX)

THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXX have failed to do so.
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Good XXXX, To whom it may concern, I am a victim of identity theft and I have had a few accounts closed in my name due to this. I am writing for the third time in regards to my chase account in which I've seen, in person, a forged signature and payments being made in my name that I have not made. I am also seeing some withdrawals that I have not made as well.
Consumer complaint received 2023-08-11
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. (NV)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX Inquired on XX/XX/2023
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MS)

I was given false information about statuses and payments for my loan. My deferrment date for my loan also changed. My loans were supposed to be in deferment until XXXX XXXX, Navient made my loan repayment change to XXXX XXXX. My interest rate was increased without my knowledge, and no one could give me an answer why. I was forced to take a forbearance for my loans, which continued to allow interest to occur during those timeframes without being offered any other options. They did not work out an affordable payment plan for me when I had a job change/was unemployed.
Consumer complaint received 2017-09-11
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)

My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (WI)

On XX/XX/XXXX, I made an on-line payment to Plaza Home Mortgage as an additional principal payment to my mortgage with a posting date of XX/XX/XXXX. On XX/XX/XXXX, I decided to cancel the payment. I attempted to cancel via the website but was unable. I called customer service and the agent stated that he was unable to cancel the payment as there is only a four hour window where I was able to cancel. 

In the past I had previous poor experiences with Plaza including, but not limited to, providing incorrect addresses for insurance billing which nearly resulted in my insurance being cancelled and not properly filing copies of my insurance which resulted in Plaza threatening to initiate a policy of their choosing, despite the fact that four copies of my insurance were previously provided. In my previous complaint, Plaza took no responsibility for their errors and even made hints that the problems were my fault.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NY)

I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither Equifax or XXXX is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was shocked to see incorrect accounts suddenly appear on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were discrepancies that came out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but unfortunately, the errors stayed. Now, Im left hoping that the documents Ive sent will be reviewed carefully, so I can stop worrying about this for good.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX
Consumer complaint received 2016-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: DISCOVER BANK (WA)

I have phone logs dating back to XXXX of XXXX calling in an excess of 6 times a week, many before before XXXX. The representative for their collections have been told repeatedly not to call but they continue to call. I have sent a letter to their legal representatives XXXX, XXXX and XXXX to cease communication and collection activity until the debt is validated, yet they are still reporting the debt to the credit bureaus as an active collection without any notation of the debt being in dispute.