davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (CA)

Dates : XX/XX/XXXX - XX/XX/XXXX Total Current Balance : {$100000.00} XXXX of students were XXXX by Navient into taking out XXXX private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and my Fed. loans of {$78000.00} were discharged and my credit repaired. 
My XXXX XXXX Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 '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 XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a XXXX of a settlement deal for the rest of borrowers XXXX  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 XXXX payments students could have enrolled in, but instead steered toward XXXX? Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other XXXX 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 XXXX. 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. Time is running out for Navient to do right by students who were XXXX 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 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

I have previously written to Experian to address a list of hard inquiries on my credit report that went largely ignored. Today, I sent Experian a formal Notice of Intent to Sue letter via CM RRR # XXXX. I have demanded under FCRA U.S. Code 15 U.S.C. 1681 et seq 604 that the list of hard inquiries are there without my express consent. In XXXX of 2022 I experienced XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the entire contents of my purse along with identification documents were stolen. There is a police report regarding such ; however it contains very personal information and I should not have to expose myself or render myself vulnerable to a large bureaucratic agency with obviously zero empathy or regard for how they respond to consumers and how their respective neglect affects lives. I am a XXXX yo XXXX, these hard inquiries have driven down my credit score, making it extremely difficult to rent an apartment or to buy a car without an exorbitant deposit or a extremely high interest rate. Experian should step up and pay the penalty as outlined in the FCRA for reporting inaccurate information, per each violation. I have attached my formal letter, along with an example of damages from a recent apartment application. The expenses involved are application fees that I can not recover while I go completely ignored.
Consumer complaint received 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

Thees debt collectors are reporting debt on my consumer report that does not belong to me. This account have been causing hard ship to me because of this inaccurate account have been denied housing and employment. I have sent letters to these debt collectors multiple times with no response and no proof of debt.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IL)

Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

XXXX Account number : XXXX Date openedXXXX XXXXXXXX, XXXX Past due amount {$1000.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} DISCOVER BANK Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account XXXX
Consumer complaint received 2023-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2023 I received a phone call from this number XXXX and was coerced through the use of legal threats by an individual posing as a Texas police officer into transferring money from my bank account into multiple individuals other accounts via XXXX. There was an elaborate story involving solicitation of minor via online dating website and property damage. I was directed to speak with phony parents that eventually offered the opportunity to resolve the matter without pressing charges. I was told I could avoid extradition and criminal proceedings if I payed for a XXXX laptop that had been destroyed during the concocted incident. I was offered multiple options to pay and ultimately ended up using XXXX initially to make one XXXX payment, then a XXXX dollar payment through XXXX. After this I was then told I was going to be charged for various legal fees including payments for keeping my record clear from any wrongdoing this would total in the amount of XXXX dollars which was again paid with XXXX. 
On the morning of XX/XX/2023 I started receiving texts from the same number I had initially received a call from XXXX that payments from the night before had been put on hold and that I need to attempt again. I was texted repeatedly and aggressively in order to get money transferred or else warrants would be issued soon. 
This is when I contacted other individuals and quickly found out these were not real people and it was all an elaborate money scheme
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (NY)

on XXXX XXXX XXXX furniture store in the XXXX had as big sale online, they promoted ACIMACREDIT, they stated you can get up to 2000 approved. so i apply and received XXXX   approved. XXXX furniture store told acima we received our merchandise and i have not received anything yet and today is XX/XX/XXXX. i called acima they were very unprofessional and didnt give 2 XXXX about them taking money out my checking account knowing XXXX is right around the corner. this is completely fraud! i need help with removing this off my credit and for them to stop charging me for things i dont have
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries violate 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Please remove it immediately, i did not consent in written or verbal form to these inquiries
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TN)

Hello, on XX/XX/year> a purchase was made on my Chase credit card that I did not make. The fraudulent charge was made on the website " XXXX ''. I notified Chase of this Fraudulent charge when I went to pay my bill in XXXX and they temporarily took it off and mailed me another card. Last week, I went to pay my bill again and noticed that it was back on my bill. I contacted them again and this time spoke with their fraud department. They basically told me that they wouldn't take the fraudulent charge off because evidently someone not only hacked my credit card but also hacked my email address as well. Whoever stole my information set up an account on XXXX where they purchased tickets. They bought tickets to an event in New Jersey I believe and the location was set up to XXXX. I have never been to either of these places and I live in Tennessee. I have had credit cards for 20 years and I have XXXX late payments. I always pay for what I purchase but I did not make this purchase and I thought it was obvious but I guess not. Please help. Thanks
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer XXXX have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to equifax in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I made my payment before my due date, I got a letter a few days later from NelNet that my payment was returned. I contacted my bank and they told me that NelNet never even attempted to charge my account. I called NelNet and asked them why my payment was returned and they can't even tell me why.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NY)

XXXX  I made a payment of {$190.00} via destiny website to pay off entire balance. XXXX  I only had {$100.00} of credit when I should of had {$300.00}. On XXXX I still did not have entire available credit of {$300.00}XXXX XXXX XXXX I checked to make sure I had available credit there was a balance due of {$290.00}. I checked the balance transaction and after XXXX   somehow a reverse charge payment of {$190.00} shows on my account which made me have a balance of {$290.00}. I called XXXX Concorda credit and XXXX states that " there was insufficient funds in my account when they I made the payment ''. The payment took three days to deduct and even on XXXX XXXX I had {$190.00} in my account to deduction to pay this card off. I am now getting hit with a return check fee of {$29.00}. Funny how this charge or charge back was never mention to me on or about XXXX XXXX XXXX and the due date for a payment is XX/XX/ how convenience this {$290.00} balance shows two days from a payment due date. This company is fraudulent
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, we ordered a wire transfer from Citibank to XXXX. All data was provided, all verifications submitted, adequate balance etc.. The online banking site said " successfully transferred. '' It was not, never received by XXXX. It bounced back. After many calls and inquiries, we submitted again. It happened again. I visited a branch of the bank, they were on the phone with wire transfer, assured me that all was well. I tried a third time. It is now four days since the original request and it has not yet been processed. We have repeatedly called the bank 's wire transfer department ( a call center somewhere ), to be told it was being " investigated. '' Citibank has had our money for four days and we have not had use of our own funds.
Consumer complaint received 2023-05-05
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. (GA)

HI 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 2023-12-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (TN)

I disputed this debt on XXXX by mail and it is still currently showing on my credit report fraudulently. XXXX XXXX XXXX was not the finance company for this vehicle. The amount owed on all 3 Credit bureaus XXXX, XXXX, and XXXX is not correct. This car was previously removed off my credit report due to it having the wrong lien holder. This car was clearly in a previous lien with XXXXXXXX XXXX not XXXX XXXX XXXX. Also XXXXXXXX XXXX  was in a class action lawsuit as well which is why it was removed previously. I am requesting XXXX XXXX XXXX to remove this false information from all 3 major credit bureaus XXXX, XXXX, and XXXX. I'm also requsting for XXXX XXXX XXXX to remove it from XXXX, XXXX, and XXXX XXXX permanently. I am not responsible for this debt due to it being previously paid off by American Coradius International LLC according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not give consent for XXXX XXXX XXXX to release my personal non public information to XXXX XXXX XXXX.
Consumer complaint received 2024-05-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLANET HOME LENDING, LLC (MT)

Regarding the eligibility, we sent the closing statement from the seller to show they paid the VA funding fee on the assumption to VA but that didnt seem to help, we heard back from VA today, the letter received is attached. It appears the only way to get this resolved will be for Planet to contact VA to make sure they have the information they need. It looks like the assumption agreement may not have been done correctly as it released the liability but did not transfer entitlement to the new owner but Im not completely sure. I dont seem to get anywhere when contacting Planet as they wont talk to me about the loan. My suggestion is to try and contact management at Planet to push them to contact VA to get it resolved.

Resolution notes : This file should be a XXXX not an assumption. This all falls back on planet home lending. They have not filed the correct assumption. They have yet to process the funding fee. I have reached out to them with no response.to this point. We as VA can not move forward until the funding fee has been processed. It might help if your client can try to attempt to reach out to his contact at planet home lending... 

This is the first I have heard that the assumption document was not correct, earlier they said they received information from Planet but now they are saying they have not. 
When they say XXXX that means Substitution of Entitlement, which means the person that assumed your loan replaces your VA entitlement attached to the property with theirs which frees yours up to be used again. It sounds like the assumption should have stated Assumption with Substitution of Entitlement instead of Assumption with Release of Liability. I dont have access to the buyers closing statement to see if they were charged a funding fee which on assumptions the person assuming has to pay a .5 % funding fee unless they are exempt due to a XXXX and I also dont have a way to find out if he was exempt without seeing his certificate of eligibility. We may be able to contact the current owner to see if he will cooperate with trying to get this fixed as he may be able to help contact Planet as well, do you know the person that assumed your loan? 

We have reached out to Planet and the VA has multiple times As a veteran this is crazy to me that i am dealing with this going on 2 years now ... ... they also were reporting the loan against my credit report .... this has made it very difficult for me each time i apply for something i have to show that i have paid it off ... ..PLEASE HELP
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (OK)

XXXX XXXX XXXX XXXX XXXX XXXX  located at XXXX XXXX, XXXX XXXX XXXX XXXX AR filed a suit against me for a time-barred debt on XXXX. I contacted the attorneys office by mail stating they were in violation of the FDCPA regulations and to stop any further proceedings in court. They have failed to do so and are continuing the suit.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

After filing a dispute with Experian about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification