davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (NC)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$77000.00} were XXXX and my credit repaired. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 

Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (NC)

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: New Century Auto Sales, Inc. (IL)

Good Morning Rightway Auto, I have spoken with my representatives after making a claim against rightway due to denial of service. It seems that you all have a private arbitration offering to dispute any application discrepancies. Since I did show proof of my income but was denied without proper reason. I will be pursuing my claim of consumer discrimination against FCRA and consumer laws. 

Please let me know how Rightway Auto would like to proceed. 

I have BCCd local public and private representatives this email for protection. 

Thank you,
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (CO)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-04-24
Product: Credit card — Store credit 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: CITIBANK, N.A. (FL)

I submitted a claim that a fraudulent Best Buy Citi Bank credit card was opened up in my name and used to make {$1800.00} in purchases at the Best Buy location in XXXX XXXXXXXX XXXX. The card was opened in-person on XX/XX/XXXX and purchase were made at XXXXXXXX XXXX and XXXXXXXX XXXX that day. The account was reported as fraudulent as soon as I noticed the activity on XX/XX/XXXX. I immediately called the security operations department at Citi Bank and spoke with XXXX. She conducted an interview and started an investigation and opened a case. Also on XX/XX/XXXX I filed a police report with the police and their investigation is still ongoing. I informed the Security Operations team of the Police Report Number immediately. I called again on XX/XX/XXXX and spoke to XXXX in regards to a notice I received in the mail stating the investigation had concluded and I was still liable for the charges. The investigation was still ongoing and I was instructed to mail in a scanned copy of my license, which I sent in and was received on XX/XX/XXXX. I called again on XX/XX/XXXX around XXXXXXXX XXXX and spoke with XXXX who informed me this was not enough information to overturn the investigation. This time I mailed in a signed letter from my boss stating that I was at work until XXXX XXXX on XXXX, XX/XX/XXXX ( proving I was at work during the time the purchases were made ). The receipts of the in-store purchases were provided to the police when the police report was filed. I stopped into BestBuy today on XX/XX/XXXX since the police have yet to act on my case, and the in-store security footage is gone, and I was about 2 weeks too late. When I filed the police report I was reassured the police would check the cameras, but nothing was done while the footage was still available. I am frustrated and do not want to be held liable for almost {$2000.00} of purchase that I did not make.
Consumer complaint received 2023-04-24
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. (VA)

In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, XXXX and Equifax, Reference # XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have 2 Bank of America credit cards for 2 years and 7 months. I have never missed payments with either of them and always pay my full balance off every month on the due date. I haven't used one of the credit cards, my customized cash rewards cards in awhile. The BofA 's online credit card payment XXXX is terrible and somehow does not let me change my auto pay bank account. So because of that I always make my manual payments every month before the due date from my updated bank account. I scheduled to pay my full balance off manually and it was posted on the XXXX of XXXX. I had paid off my FULL statement balance before the due date so there shouldn't have been another automatic payment coming out for the same amount. None of my credit cards actually would do this except Bank of America. On XXXX  XXXX the automatic came through on my old bank account that I do not use resulting in a returned payment. Bank Of America shortly closed my account after that. I find that this is completely unjustly because of the detrimental effects on my credit report that this would cause, including the loss of the credit age and credit limit that I had that was originally {$6500.00}. My other bank of america credit card has a 0 % utilization with a {$11000.00} credit limit as well as more than enough in my main checking account to pay off the credit card. I do not deem myself a risk at all and have a good record with bofa. I called BoFA numerous times with their horrendus hold times waiting over hours to get in touch with agents. Even through speaking with supervisors who even agree that the accounts should not have been closed they offered no solution to the problem except " we can write something nicer on the closed credit report ''. I find this incredibly disappointing that the only answer they can give me is that you can apply for another credit card. I've been a client with BoFA since high school with my parents and now almost middle aged. I really can not help but feel my relationship has not been valued at all and will be closing out all of my bank accounts with them if this is not rectified.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/ Opted-out third party reporting & Credit Reporting Updates . Transunion, XXXX XXXX XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Specific incorrect information incorrect name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - please remove all incorrect date of birth Non-Mailable addresses incorrect previous addresses incorrect Nonpublic Previous employers incorrect non-matching account XXXX XXXX  incorrect Non-matching account types incorrect Non-matching account type - detail incorrect Non-matching bureau code incorrect Non-matching account status incorrect monthly payment incorrect Non-matching Date Opened incorrect non-matching balance incorrect No. of Months ( terms ) incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching past due incorrect non-matching payment status incorrect non-matching last reported date incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment incorrect non-matching two-year payment history
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America master card ending in XXXX and XXXX were both closed by the bank because they said I had too high balances on my other credit cards as they must have viewed on my consumer credit reports. HOWEVER, this was just a temporary situation where I used a lot of my credit and have already paid almost all of it off. If the bank would just wait a month and run my consumer credit again they would see that I have paid off almost all of my balances, which demonstrates financial STRENGTH.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 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 2024-08-13
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 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 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (TX)

XXXX XXXX XXXX and Westlake Financial committed fraud said I had to put {$9200.00} down payment to get financing through Westlake financial. 15 U.S Code 1605 ( a ) ( a ) " FINANCE CHARGE '' DEFINED Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of. all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Also violated TILA laws The Truth in Lending Act ( TILA ) is a federal law designed to protect consumers in their dealings with lenders and creditors. Here are five common dealer fraud violations under TILA : 1. Inadequate Disclosure : One of the main purposes of TILA is to require lenders to provide clear, detailed disclosures about the terms and costs of loans. Failure to provide these disclosures or providing incorrect or misleading information can be a violation of the Act.

2. Incorrect APR Calculation : The Act requires lenders to disclose the Annual Percentage Rate ( APR ) of a loan. This should include not just the interest rate, but also other costs and fees associated with the loan. Providing an incorrect APR can be a violation.

3. Bait and Switch Tactics : This involves advertising a loan product with attractive terms to lure customers, but then offering a different product with less favorable terms when the customer applies. This can be a violation of TILA.

4. Loan Flipping : This is a practice where a lender encourages a borrower to refinance their loan repeatedly, often with additional fees each time. This can be a violation of TILA as it can lead to a cycle of debt for the borrower.

5. Predatory Lending Practices : This can include a variety of deceptive or unfair practices, such as charging excessive fees, lending to borrowers without regard to their ability to repay the loan, or targeting vulnerable consumers with high-cost loans.
Consumer complaint received 2024-04-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fay Servicing, LLC (GA)

XXXX XXXX XXXX XXXX on behalf of client Fay Servicing , LLC has my home unlawfully listed as foreclosed with a sale date of XX/XX/2024. My home does not have an active mortgage to foreclose upon. XX/XX/2024 a request for Validation of Debt was made and not received. I have verified with my countys Superior Court that there is not a formal notice of foreclosure, liens, or holdings on my property. XXXX XXXX XXXX XXXX listing my home as foreclosed has caused unwanted, aggressive, continuous solicitation from unknown persons refusing to identify themselves or company. The unknown individuals only state that they are working from information provided by XXXX XXXX XXXX XXXX. XX/XX/2024 a Cease & Desist Letter was sent and received by XXXX XXXX XXXX XXXX but the harassment continues and the foreclosure listing remains. I am now afraid for my safety and and a police report is made.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (FL)

I have been in repayment on my grad loans, which are on XXXX, since XX/XX/year>. It is now 25 years later and I am eligible for discharge. 

But there is no action on that front. 

I have already paid the XX/XX/XXXX payment in an attempt to trigger discharge. That failed. Now I need action to get the servicer and Education Department to recognize that I have fulfilled the obligation.

Currently, Aidvantage s
hows some of my loans are due to be repaid until XXXX. This is a multibillion dollar portfolio they are handling, and I can't imagine that if it were reversed, they would be good with a blatant declaration that another party was breaching the contract.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to address the serious issue of a fraudulent account present on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. 
I have submitted the required FTC report to the company associated with this account and they have already removed this from their records. Furthermore, other credit bureaus also deleted this account after receiving the supporting documents. The inclusion of this fraudulent account is not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC. (WI)

On XX/XX/year> I applied for a personal loan after completing and receiving a pre-approval from SoFi. I was pre-approved up to {$30000.00} based on the information requested including gross income. The gross income provided was {$100000.00}. The supporting documents provided support this gross income amount. The application was denied. When I called to inquire further, I was told I was supposed to provide NET income and that the income couldn't be verified. I asked what they believe my net income was and was told around {$65000.00} and that I should re-apply with that amount. I attempted to reapply again for {$25000.00} and {$10000.00} respectively and was denied for both. When I contacted them again I was informed my only option was to wait 30 days and try to re-apply with a co-borrower. I attempted to provide more current supporting documents but was informed there was nothing else that could be done. After multiple conversations with the company support, I went back and looked and it indeed requests gross income before taxes.
Consumer complaint received 2024-04-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (NY)

I paid in full my student loan for my XXXX XXXX XXXX with a loan collection company Called XXXX in XX/XX/XXXX. I received a letter from XXXX acknowledging my payments and then some XXXX yrs later I began receiving notices from other collections companies stating that I owed them for this same debt which was already paid off. I presented them proof and then they would eventually disappear. However, new collectors keep popping up and claim that I owe on a student loan. The most recent collector is aidVantage, who sent me a copy of an application I never applied for in XXXX with disbursements I never received for schooling at XXXX XXXXXXXX XXXX XXXX, which I didn't attend in XXXX. I actually was XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX at XXXX XXXX XXXX until XX/XX/XXXX. I returned home and not long after discovered this fraudulent student loan activity which also resulted in the XXXX of my XXXX IRS refund. AidVantage. Owes me for my IRS refund, also note my loan of {$20000.00} was overpaid, I paid in excess of {$31000.00} and I want to be reimbursed for the overcharge plus interest as this dates back to XXXX of XXXX. I have also incurred damages as this problem has negatively impacted my credit ratings for more than XXXX yrs.