davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WV)

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, XX/XX/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 Biden administration has just announced a blanket discharge for anyone enrolled at XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of ( Your amount here ) were discharged and my credit repaired. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " 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 AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students 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 Borrower Defense 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 " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

Time 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.

Senator Elizabeth Warren 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 2024-05-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems contacted me about a debt owed to XXXX on XX/XX/2024 at XXXXXXXX XXXX XXXX I have not yet received a final bill from XXXX after switching my service to another provider on XX/XX/2024, nor have I received a written notice from Southwest Credit Systems of a debt. 

When I called XXXX customer service, the agent relayed to me that they do not show that my account has been placed into collections.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/XXXX, TCF Bank was bought out by Huntington Bank. There was a young ( late XXXX - mid XXXX ), petite, medium long blonde haired teller assisting me. She then informed me that the new account ( XXXX ) is the correct account, from the former TCF account for XXXX, and it was called XXXX XXXX XXXX XXXX. I said well, the account is supposed to be for XXXX XXXX but they assured me that this was the right account. I was skeptical. Therefore, I went a step further and immediately emailed my landlord informing him of the changes. This email was sent the same day that I was at the bank on XX/XX/XXXX. 

When I went in to the now, Huntington Bank on XX/XX/XXXX to make my monthly payment for rent, I was forced to cross out the name, XXXX XXXX, and place XXXX XXXX XXXX XXXX on the check instead. I again asked, is this the account for XXXX XXXX because it shouldn't really matter. ( I have a copy of the all the checks. ) The same blonde haired teller told me that all checks to the business account needed to have the business name on it. If I made the mistake again I was told to write out a new check that said XXXX XXXX XXXX XXXX. If the bank were to look up the transaction history to see who assisted me on XX/XX/XXXX they would see who gave me the XXXX XXXX XXXX XXXXXXXX account number. Their Payroll would even show who was working that day. 

Lastly, once my family and I informed our landlord we were moving in XX/XX/XXXX, he then noticed that my rent deposits were not in the account. We both went together and met with the bank manager later on that day, she acknowledged that there was definitely a banking error and it was going to be fixed because it was a mistake that they, at Huntington Bank made, but needed a couple of weeks to correct it. She then took the handwritten account number, ( that I got from the blonde teller 2 years ago ), from my landlord for their files. ( I took a picture of if before handing it to my landlord. ) I am now being summoned to pay back a year 's worth a rent with late fees totaling more than {$60000.00}.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX  was also closed. 

This remaining balance, T-Mobile claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Consumer complaint received 2023-06-23
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. (TX)

Account name : XXXX XXXX Account number : XXXX Status : Collection account According to a publication of the Internal Revenue Service, Charge-off or Collection or 1099-C or Cancellation of Debt are regarded as gross or ordinary income.

Thu

s, Charge-off or Collection or 1099-C or Cancellation of Debt, reported on a consumer 's credit report as debt or loss inquired by a business, is fraudulent and inaccurate accounting. As gross or normal income is not reported on the consumer report. Take Mandatory Judicial notice, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Take Mandatory Judicial notice, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (AZ)

A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my credit report.
Consumer complaint received 2023-06-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-23
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. (LA)

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as XXXX.
Consumer complaint received 2023-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I will be suing all 3 credit bureaus for false placing medical records on my credit report for years that do not belong to me. I have filed many disputes over the last two years. First and foremost I have full medical insurance so my company is always billed. Second I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I have not authorized any companys to share my medical information under the HIPPA laws this is a violation. Third. None of the medial bills listed belongs to me and Ive reached out to the hospitals as well documented and recorded everything this is becoming an harassment to my life financially and I will see them in court for falsely placing medical bills on my credit report.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/, I made an online purchase of {$170.00} at XXXX ( order # XXXX ). I used PayPal at checkout and paid with my XXXXXXXX XXXX credit card. 
Since I was not satisfied with the product, I returned the item back to the XXXXXXXX warehouse on XX/XX/. The item was delivered to the warehouse on XX/XX/ ( tracking # XXXX ). 
I haven't received my refund within the timeframe I was promised ( According to the XXXX policies, a refund is supposed to be issued within 48 hours after the item is delivered to the warehouse ). So I issued a dispute through XXXX XXXX  on XX/XX/XXXX  ( dispute case # XXXX ). My request for the dispute was accepted immediately and I received a chargeback of {$170.00}. 
On XX/XX/, I received an email from PayPal regarding the dispute. According to this email, PayPal received notice that I disputed the transaction with XXXXXXXX XXXX ( PayPal case ID : XXXX ) . This email also meant that it took 6 days for PayPal to receive a notice from XXXXXXXX XXXX  and open a dispute case on my PayPal account. 
On XX/XX/, I received an email from XXXX. I was told that XXXX tried to issue a refund, but they found out about the dispute. In order for me to receive the refund, I was instructed to close the dispute. I went ahead and contacted XXXXXXXX XXXX to close the dispute the same day. The dispute was closed and a chargeback of {$170.00} was added to my credit card. 
However, although I closed the dispute on my credit card, I still haven't received a refund from XXXX. I contacted XXXX about this issue. I was told that the dispute was still open on my PayPal account. So I went to my PayPal account and submitted a request to close the dispute on XX/XX/. The customer service at PayPal told me that they kept the dispute case open because XXXXXXXX XXXX has not notified them about the closure of this case. 
Since XX/XX/, I have contacted both XXXXXXXX XXXX and PayPal about this issue several times. While PayPal is claiming that they haven't been notified about the closure of the dispute, XXXXXXXX XXXX keeps assuring me that they have notified PayPal. Considering that PayPal was able to receive the notification of this dispute in the first place, I believe that XXXX XXXX  notified PayPal about the closure of the dispute. My multiple attempts at providing evidence ( i.e., the email I received from XXXX XXXX  about the closure of the dispute ) to PayPal have been directed to their department investigating this case, but there haven't been any improvements for almost a month now. And since PayPal is not closing the dispute, XXXX is not issuing a refund.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service for {$990.00} with my Chase Amazon credit card in XX/XX/2022. XXXX put in writing several times that I was guaranteed a 75 % refund if I didn't like the service after 90 days ( without which I would not have purchased ). I could not use the service because I got a second bout of XXXX, and because XXXX  didn't tell me that I needed certain credentials to use part of it. Suspicious of XXXX I filed a dispute with Chase around XX/XX/2022 ( within 60 days of getting my credit card bill ) stating that I was concerned the guaranteed refund was a fraud, and wanted to protect myself under the Fair Credit Billing Act by having a dispute if XXXX didn't honor the refund. Chase initially advised they were honoring the dispute but then somehow treated the dispute as a fraudulent purchase and sent it to their fraud department. Chase then failed to honor the dispute because, as I agreed, the issue wasn't initial fraud ( I did place the order ), but fraud in the service provided ( not honoring the guarantee ). I have gone back and forth with Chase many times to get them to understand the dispute and handle it properly, and send them all the supporting paperwork ( they apparently lost it a couple of times and I had to keep resending it ). Incredibly Chase now accept XXXX  's lies, including there was no guarantee, even though it is in writing. 
Chase 's 'investigation ' is beyond shoddy and incompetent, and violates by rights.
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I received a refund for {$99.00} from XXXX. The refund was processed and posted on my American Express Serve Account on XXXX. My transaction history on XXXX shows a completed transaction with the following detais : Description : Store Return XXXX XXXX XXXX  Date : XX/XX/2023 Amount : {$99.00} Transaction ID : XXXX Account : XXXX XXXX Account Status : Complete The {$99.00} was not credited to my account however but instead Serve placed a hold on the funds and the following pending transaction shows om my account : Description : Merchant Credit Hold for Review XXXXXXXX XXXX XXXX Date : XX/XX/2023 Amount : {$99.00} Transaction ID : XXXX Account : XXXX 's Account Status : Pending When I called to ask why they placed a hold on a refund/credit they had no explanation other than that it rakes up to 7 days, It appears that American Express Serve is intentionally placing a temporary hold on my funds to increase their float and cash flow position.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX, XX/XX/2023. Inquire done for credit card, I already have a XXXX XXXX XXXX  account. This application on this date ( XX/XX/2023 ) was not done by me.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. XXXX, XXXX XXXX XXXX original creditor " XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was reported and removed by XXXX several months ago and they have recently reappeared and after several correspondence they have yet fixed and/or removed it even after they have done an investigation. These following account has interfered with my rights and must be removed in accordance with the fair credit reporting act .. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said account to be removed.
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I discovered that this debt collection company named Credit Systems or Credit Systems International placed a collection on my credit report. It shows that the item posted on XXXX XXXX. The amount in question is {$120.00}. I disputed the item back in XXXX of XXXX  and it came back verified in XX/XX/2023. I have never entered into a contract or written agreement with this company or the original creditor listed. I called the company in the beginning of XXXX and the representative stated that the call is being monitored and recorded and this is an attempt to collect the debt, then proceeded to ask for my personal information to verify if I had a debt on file, I disconnected the call. The representative called back and I requested that they do not contact me again without my permission.