davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (UT)

I filed a police report # XXXX regarding the school misconduct and how they committed student loan fraud. The school I attended has been in court for school misconduct and as a result I had a borrower defense claim automatically filed by the Dept. of Education that closed my federal loans without further damage or loss to myself. I challenged Navient when they sent a debt collection after me and they only provided to me forged documents. I am still waiting on law enforcement to complete their investigation. The police report was filed XX/XX/year>2024 with the local police department. I have been accepted to the XXXX XXXX XXXX for the XXXX XXXX bankruptcy case. I have been harmed by the schools misconduct and the federal government closed those federal accounts stating there was school misconduct. I understand the holder rule requires Navient to react accordingly on my private loans. I am aware they are doing so for other students in my similar predicament. Navient ( previously SallieMae ) was aware of the tactics being used but has done everything in their power to avoid consequences. They settle out of court but manage to limit their losses by setting terms that favor the few leaving the majority up the creek in a bad way. No lawyer in my state wants to take them on directly and are just telling me " call us when they sue you. '' This is totally unfair to those in my position and I need help.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

Apologies if I didn't select the correct category for this, but this is what I am complaining about. 

I hope this correspondence finds you well. I am writing to bring to your attention a matter concerning my educational loans that necessitates careful consideration and resolution. 

During the period spanning from XXXX to XXXX, I pursued my education at XXXX XXXX located in XXXX XXXX, IL ( now closed ), culminating in my graduation in XXXX. Throughout my academic journey, I availed both federal and private loans to facilitate my educational endeavors. 

Recently, my federal loans were XXXX in XXXX owing to instances of misconduct and the subsequent closure of the institution. This development prompted me to explore the possibility of a similar discharge for my Signature Select private loans, which are currently serviced by Navient, formerly serviced as Sallie Mae. 

In light of the circumstances surrounding the discharge of my federal loans, particularly the misconduct associated with XXXX XXXX and the application of the FTC 's " Holder Rule, '' I firmly believe that my private loans merit equitable consideration for discharge on grounds of misconduct. 

For your reference, I have enclosed a copy of the letter titled " Notice of Borrower Defense Discharge Approval, '' which pertains to the discharge of my loans from XXXX XXXX in XXXX. 

I kindly request your assistance in assessing the eligibility of my private loans for discharge in alignment with the aforementioned grounds. Your attention to this matter and timely response would be greatly appreciated.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (KS)

In XXXX, my servicing lender was transitioned from Dept. of ed Nelnet to Dept. of Ed. XXXX. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted XXXX and Nelnet, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : JPMCB AUTO Account Number : XXXX Reason : Payment history is completely inaccurate across all 3 credit bureaus. 
Instruction : Please Update to Pays Account As Agreed Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IL)

I am filing a complaint against PYOD LLC regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : XX/XX/year> : The collection account was opened by PYOD LLC. 

Nature of Contact : PYOD LLC initiated contact regarding the collection of the debt. 

Frequency of Contact : PYOD LLC has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from PYOD LLC on a daily basis, sometimes as frequently as 3 times per day. 

Calls at Unreasonable Hours : PYOD LLC has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, PYOD LLC has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
PYOD LLC 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from PYOD LLC have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and anxiety. 

Abusive Language : During communication attempts, PYOD LLC agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : PYOD LLC has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

An in the past, I have interacted with an account named " XXXX XXXX. '' I have sent payments to and received payments from that persons account. Currently I am in legal proceedings and need to provide documents showing said transactions. Unfortunately, their name has been retroactively changed on all my bank statements to " XXXX XXXX. '' Therefore, due to cash apps loose record keeping policies, and the fact they have been made aware of this error and continue to not provide the original receipts of those transactions, and allow this account to continue its fraudulent behaviors, they are complicit. I requested cash app to send me the original receipts of the transactions before the name change but have not received them.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 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 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

I was notifed through cash app that a charge was declined for my protection. When reviewing the charge, the app asked me if I recognized it and I said no. This canceled my card and a new one was issued. Upon further investigation, I noticed the charge was recurring and was successful on XX/XX/year>. I immediately disputed the charge. My first dispute was denied. I called the XXXX number for cash app and explained to the agent that I do not know what XXXX is. Another dispute was created but was quickly denied stating that I authorized the transaction but I did not. Upon further investigation, I learned that XXXX is an app on XXXX XXXX store. I emailed the app about the unauthorized charge twice with no response. I have closed my cash app account as a result of money being taken out of my account. I need my money back which was {$34.00}. Thank you
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

I am a victim of fraudulent information reporting and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-06-11
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. (FL)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts 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 XXXXXXXX XXXX However, they stated everything was complete and accurate.my question is-how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo provided me with my original disclosures as a result of my previous complaint. Nowhere on what was sent over does it indicate how to enter into XXXX with Wells Fargo, only with the original holder, XXXX XXXX. Im looking to enter into XXXX to prove the securities fraud being committed
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (NJ)

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 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My complaint is with Trans Union credit reporting agency. For years I have tried to get my report online. They deny me every time stating that they can not confirm my identity. I called the number listed and tell them that when I answer their questions to get my report I am answering the question correctly but the information they have about me must be wrong, consequently they think I am giving wrong answers. I have tried and failed to get them to change my personal information and fix the problem, but they refuse. They don't believe I am who I say I am. Whomever gave them the information to cause this problem must have given them the wrong information about me. These companies have too much power over our personal lives when they report information about us that is wrong. And yet I have no power over this unfair situation.
Consumer complaint received 2023-04-27
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. (NC)

These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!
Consumer complaint received 2024-04-12
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AZ)

I am attempting to redeem my earned rewards through my Barclay credit card and am receiving multiple errors. The initial error I received last week said the site was under maintenance. I've tried again today, the site loads and I'm able to select my travel purchase for my redemption statement credit. I asked to redeem 200,000 miles, while I have a balance of 200,085 miles. When selecting redeem, the website produces an error saying please enter a valid value. I called customer service, who said their system was down and they were unable to do the redemption, but they can walk me through the redemption process. They had me try the same steps that I had tried on my own and received the same error. Per their suggestion, I requested a lower amount 197,500 miles for {$1900.00}. It too received the same invalid value error. It seems to me they do not want to redeem this earned reward.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (WY)

I have tried on several occasions to dispute a debt with XXXX XXXX/Jared that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware that this account that was disputed with the credit bureau when it was only an inquiry. The inquiries were deleted and marked as Fraud. However, I was never advised or notified that the account was never closed after the credit bureau notified the creditor that the inquiry was fraud. I disputed the account with all 3 credit  bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX/Jared The Galleria and XXXX XXXXJared. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE CORPORATION (SC)

Since XXXX of this XXXX, Ive had medical hardships due to XXXX and XXXX XXXX  at my XXXX XXXX I requested a forbearance while I been recovering from my temporary medical condition. Ive had no progress dealing with South State Banks  XXXX XXXX department. Im currently appealing the denial of my forbearance request for the XXXX  time. I am still going to physical therapy XXXX XXXX  a XXXX  and have not been released by my XXXX  doctor to return to work. During the forbearance request, I have been hounded relentlessly with calls from South State Bank wanting me to make my XXXX payments while I have been out of work and recovering from my medical hardships. During this whole process to get a forbearance, being denied, and going through the appeal process South State Bank has been ruining my credit by reporting XXXX  mortgage payments for XXXX XXXX  to the credit bureau. My XXXX  payments are XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4200.00} XX/XX/2017