davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (GA)

Nothing, I've disputed like I'm still disputing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX This account was closed and charged off my account with a positive balance of {$320.00}. I did not close this account with a positive balance, so why does it keep revolving and updating on my credit report monthly? It makes no sense and I want it DELETED from my 3 reporting agencies. Why is this so difficult and why do the consumer reporting bureau allow these debt collectors to do this.IM REALLY TORED OF BACK AND FORTH and now it's getting ready to hit the news about how hard working people have to struggle in Georgia.
Consumer complaint received 2024-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Many students, including myself, were misled by Navient into securing predatory private loans to fund education at for-profit online institutions, such as university of XXXX XXXX I attended from XXXX to XXXX with an original principal loan amount of {$6500.00}. Despite having paid hundreds of dollars towards these loans, my current balance stands at {$7400.00} due to an exorbitant interest rate, which currently is 12.5 %. 

Notably, XXXX  XXXX XXXX and their parent company, XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX  XXXX XXXX, the XXXX administration recently announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. This led to the discharge of my federal loans totaling XXXX  XXXX and the restoration of my credit. 

Navient, which was sued by the attorneys general of XXXX states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, making it a " preferred '' lender. Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at approximately XXXX for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period. 

The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 

Moreover, Navient exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 

Navient has also faced multiple lawsuits for other predatory lending and illegal collection practices. Currently, Navient is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as Navient is already aware of the affected students.

Under the FTC 's " Holder Rule, '' Navient is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged Navients XXXX to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-11-03
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. (FL)

I recently acquired my credit report and discovered that I have fallen prey to identity theft. As I am currently in the midst of purchasing a home for my family, this distressing revelation has had an adverse effect on me. I kindly ask for the swift removal of these deceptive accounts from my credit report. Please see attached
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

Account Name : XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : STATE OF MI OFFICE CHI Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that was placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have not engaged in any activity that could be considered fraudulent or in violation of PayPal 's policies. Therefore, I believe that the permanent limitation placed on my account was unjustified and undeserved. 

Secondly, I would like to emphasize that I depend on my PayPal account for my business and personal transactions. The permanent limitation has caused me significant financial losses and inconvenience. I am deeply concerned about the impact this decision will have on my ability to conduct business and pay for essential services. 

Given the importance of my PayPal account to my daily activities, I kindly request that PayPal re-investigate my case and take into account any relevant evidence that I can provide to support my claim. I am willing to provide any documentation or information that may assist in resolving this issue. 

In conclusion, I urge PayPal to carefully consider my appeal and take the necessary steps to restore my account. I appreciate your attention to this matter and thank you in advance for your cooperation. 

Sincerely, [ XXXX XXXX XXXX
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 — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (FL)

I opened a merchant dispute with my bank for the transactions listed on the attached documents. 
The claim was denied sayin that the card was present and was authorized by me. When I opened the claim I was very clear saying that those transaction where authorized and made be me but the merchant NEVER sent the items. 
The bank never requested more information about the case or ask about it. 
Attached also goes the inovice and order receipt to support my case. 
This claim was handled in inappropriate way and didnt follow the transfer act and regulation E and Z, also didnt apply the chargeback procedures for this cases. 
Im Bank of the West customer
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (MI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: HYUNDAI CAPITAL AMERICA (AR)

Hello, my car was having issues the I purchased from XXXX in XXXX, AR in XXXX of last year, in XXXX of this year I had it towed to the actual Kia shop because I was told from XXXX XXXX XXXX, which is who XXXX uses for a shop, that my car needed a new motor. I had the car towed with my car insurance company, XXXX, since its free towing on XXXX XXXX. The car was towed to Kia dealership on XX/XX/XXXX. I didnt get a rental until XXXX because XXXX claimed they would give me a loaner vehicle & I never received one. I tried to request a loaner vehicle from Kia in XXXX, AR however I was told that they no longer have loaners because during Covid they discontinued the program but, Per XXXX the Service Dept manager, I would get full refund once I submitted what I have from enterprise to Kia. Well, its now XXXX & Kia has definitely given me the run around. First, they needed proof that my last 4 digits on XXXX invoice matched the card. I sent that in. Then they needed proof that my bank account processed the XXXX and something payment from XXXX I sent that in. Next they needed proof of the itemized bill from XXXX updated with the refund deposit submitted back to me from XXXX and something to XXXX and something, I sent that in. Next I requested that Kia escalate my issue because theyre were beginning to request plenty and nobody was telling me anything if I would get it refunded or not. I get a case manager XXXX, and now hes requested the Title or proof of purchase guess what, I sent that in even though I dont know what that would possibly prove for an XXXX  refund. Now XXXX requested the towing bill! Its too much! My car was towed to Kia on XX/XX/XXXX & because they were too busy to get to my car and behind Kia just told the tow driver to drop my car off. They did not begin working on my car until late XXXX so Kia is trying to say I dont get the full refund of my rental I receive some of it because they wont pay for the days that Kia didnt work on the car even though I had the rental when its not my fault they were behind nor is it my fault they didnt do paperwork for my vehicle when it came in on the XXXX.
Consumer complaint received 2024-05-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (MS)

This company has made the application process to the point where information can be easily entered or reentered to fit what the person wants. If a co-signer was needed the person can go back and fix the numbers so that a co-signer isnt needed to obtain the loan. Years later the details of the loan wasnt clear as far as having options to repay the loan. No options were available if the person was in a financial situation to help repay the loan. One of the representatives even asked if I could not pay rent or my car not in order to repay the loan. They have suggested several times that I move in with a family member and car pool to save all of my earns to repay the loan. That is completely unacceptable and unethical for them to say that. My address has changed several times and they have constantly sent my mail to my old address and have blamed me for not going to get my mail when I have told them my address changed and the representative said Id have to go in and change the address myself. The representatives are rude and the things they say are just absurd. My loans have been reported and are not a charge off after 4 months.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}
Consumer complaint received 2018-07-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nelnet, Inc. (CA)

In XXXX, I was admitted to a XXXX XXXX in XXXX, Florida called XXXX. During this time I was recruited to a school called XXXX XXXX XXXX whose primary role was to help me rehabilitate myself by furthering my education. Upon admission to XXXX i was advise to apply for a student loan, however, because of my XXXX XXXX  i lacked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   about what the student loan entailed. In addition, I came to later discover that the XXXXXXXX XXXX was not even an accredited learning institution. 


It has been nearly 30 years later after the student loan. In XXXX I was placed on permanent XXXX. Last year, I took a part time job while still on XXXX and filed my XXXX taxes. While waiting for my refund to arrive I received a letter that my wages were garnished by the Department of Education. As a result, I immediately contacted the department to advise them of my XXXX status of which they requested written proof from the Social Security Administration in order to qualify me for disability discharge and return my wages. I forwarded the information to their offices and was notified of their receival of the document. Shortly after, I received a letter from the department that I was denied for Disability Discharge. Can you please assist me regarding this matter????
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to XXXX tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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