davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (TX)

I sent in an XXXX XXXX XXXX application to have my loans forgiven, being the federal student loans for XXXX XXXX were forgiven. I sent in the application and receive as response saying it was denied. I asked the reason why and they stated : " Each application is subject to our review and discretion. A variety of criteria are used to determine eligibility, including, but not limited to, proof of resulting harm, sufficient documentation supporting your claim, date when events occurred or when you experienced harm, etc. Because we review each application holistically, it is not possible to identify specific criteria that caused your application to be denied. While we understand why this matter is important to you, our analysis is confidential and proprietary. '' So basically, we don't have a reason why you were denied, but you're denied. 

I sent the application to them on XX/XX/year>. I owe a balance of approximately $ XXXX. They have me in an " interest only '' program, which also makes no sense. I've asked for another program where I can pay on the principal, but was told they have nothing else I could apply for and if I wanted to get out of the program I would need to refinance this loan with another banking institution. 

I'm not understanding why these loans can not be discharged, being the government has released me and I've given you PROOF.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (WI)

I was shopping using the TARGET app and had a screen that said " save 5 % instantly, instore and online. '' Find the right credit for you, Credit, debit or reloadable. There is a XXXX footnote after the 5 % which says restrictions apply see Target.com/XXXX  for details. 

I filled out the online application and got a XXXX digit code texted to me, but no instructions for what to do with it and no notification that I was accepted. I called their XXXX number and they said there is no instant account because they have to do identity verification. It will be days and I will be notified in the mail. 

I went and looked through the footnote details mentioned above and it does say that it takes days to approve. 

SO why are they saying INSTANT? I was going to make a large purchase and thought it would be a good time to start getting the 5 %. Since I have never been turned down for credit, and have been given instant credit from other companies, I thought instant meant right away, not in days.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I have a Citi Simplicity Card.carrying a balance composed of : Balance transfer ( about $ XXXX 1.99 % ) XXXX  ( $ XXXX 7.99 % ) The 1.99 % Balance Transfer promotional rate expired on XXXX XX/XX/year>. 
With the purpose of avoiding the 21.24 % rate that would now be applied to said balance, and based on what it says on their statement ( " As required by law, payments above your Minimum Payment Due generally go toward balances with higher APRs first. " ), and also based on previous experience ( with XXXX  XXXX XXXX ), on XXXX, -when the APR already went to 21.24 %, I decided to make a {$2000.00} payment to the credit cards. That would cover the the minimum due ( {$180.00} ) leaving about {$1800.00} to be applied to the {$1800.00} ). 

To my susprise, the statement came in showing the applied the excess ( almost all of those {$2000.00} ), to the XXXX XXXX, leaving me with a $ XXXX balance subject to a 21.24 % I called them, and after a convoluted explanation about how their system works, they pretty much told me that's how it is. They offered no alternative at all.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient got in trouble with the government for not processing and applying income driven repayment schedules to student loans causing thousands of peoples ' accounts to be reported as late prior to and around XXXXXXXX XXXX. I was a victim of this issue, however Navient has refused for over a year to remove the 90 day late payment reported to the credit bureaus. They're even reporting my account as 120 days late to one bureau and 90 to the others. It has been disputed many times to no avail. It is the only late payment I have ever had with them over the 22 years the account has been opened and it is ruining my credit report and impacting my livelihood. They refuse to reply either on the phone or in writing. They are entirely ignoring that my alleged late payment was due to their error in not applying the proper XXXX terms to account in a timely manner. I also read it was partially to blame on an I.T. problem. 

Please help me with this unfair situation.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I don't recall having a contractual relationship with this collection company National Credit Systems. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 at approximately XXXX I attempted to withdraw {$3000.00} from a bank ATM inside Chases XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The ATM did not disburse my funds. The funds were however removed from my account. 

I spoke with several branch employees and with the claims department with no success. I've asked repeatedly for them to count the funds and review security footage to corroborate my claims and they refused. They have stated I would need a subpoena.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I am REWRITING to formally refile a complaint regarding serious inaccuracies present in my AMERICAN EXPRESS credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my AMERICAN EXPRESS credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge AMERICAN EXPRESS to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2024-04-30
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. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paramount GR Holdings, LLC (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : GOODLEAP LLC # XXXX
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (NV)

Dear XXXX, I am writing to address the egregious violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights by your organization. As a diligent consumer, I have identified several discrepancies on my credit report that require immediate attention. 

FCRA Violations : Your failure to comply with FCRA regulations, including timely response to credit disputes and freezing my account without justification, constitutes a serious breach of consumer protection laws [ 3 ].

Civil Liability : Under 15 US Code 1681 ( n ), there is civil liability for willful noncompliance with obtaining a consumer report under false pretenses or without a permissible purpose [ 5 ]. Similarly, 15 US Code 1692 ( k ) addresses civil liability under the Fair Debt Collection Practices Act ( FDCPA ), stating that debt collectors may not be held liable if they can demonstrate, by a preponderance of evidence, that any violation was unintentional [ 1 ] [ 2 ]. 

Request for Detailed Information : I demand detailed information about the items on my credit report to substantiate any claims. If XXXX can not validate these claims, they must be promptly removed or corrected to ensure the accuracy of my credit profile. 

Impact on Credit Score : The false information regarding inquiries on my credit report has resulted in a decrease in my credit score, further exacerbating the damage caused by XXXX 's negligence. 

Legal Action : In light of these violations and the harm caused, I am prepared to pursue legal action against XXXX. I seek compensation of {$1000.00} for the damages incurred due to your non-compliance with FCRA regulations and failure to uphold consumer rights. 

I expect XXXX to take immediate corrective action to rectify these issues and provide me with a comprehensive resolution. Failure to do so will leave me with no choice but to escalate this matter further. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-09
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. (MA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-04-21
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. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (OK)

Hi I had a XXXX XXXX credit card that was closed due to a fraud listing on the account I received no notice or a replacement card for this account. I want this account fraud to be removed I want a replacement card and this account restored or given a new account.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have told this company to send into writing to send over a copy of my signature dealing with them and they have failure to do so. They hav an address I have not used because its my moms address. I have also told them this was identity theft and they in turn told me I was a part of it and XXXX from it. I get class from XXXX and XXXX repeatedly asking to speak with me. They do not have paperwork with my signature on it and nor have I ever done business with this company and would like them to stop trying to contact me cause now its harassment. I also sent them over the police report about the identity theft and they refuse to stop bothering me. Please HELP
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MO)

Hunter Warfield is attempting to collect on a debt that is not owed. All of my bills were paid before exiting this apartment complex in 2018. I did not owe any remaining months as my lease was up and I decided to opt out and move. This is not the first time that I have heard of this complex selling false owed accounts to debt collectors, I just never thought it would happen to me. So, not only was I never contacted about this debt, I wasn't aware it existed until recently when I was denied moving into a new place and was denied.
Consumer complaint received 2023-07-11
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. (CA)

recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX : XXXX, & XXXX XXXX : XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( a ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer repost, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability foe willful noncompliance [ 15 U.S.C. 1681nl
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Someone from a XXXX area using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, has tried multiple times to open several credit cards in my name. I do not know this person and i did not authorize these inquires. This is all the info i could get on the inquires. 

XX/XX/XXXX XXXX feb/destiny- @ XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, il XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX, XXXXXX/XX/XXXXXX/XX/year> XXXX XX/XX/year>XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXSD XXXXXX/XX/XXXXXX/XX/year> - XXXX XXXX XXXX XXXX OH, XXXX XX/XX/year> XXXX XXXX XXXX @ XXXX XX/XX/XXXXDE, XXXX XX/XX/year> cXX/XX/XXXXXXXX XXXX, XXXX UT XXXX XX/XX/year> XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX ky XXXX XXXX XXXX ( finance ) - XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, il XXXX
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Account XXXX XXXX XXXX XXXX XXXX # : XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX  SYS Account # : XXXX XXXX XXXX IN Account # : XXXX XXXX ( Account # : XXXX BankruptcyReference # : XXXX