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 — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Dear Concerned Parties, I write to bring to light a matter of grave concern affecting thousands of students ensnared in the predatory lending practices of Navient, particularly those who, like myself, attended for-profit online institutions such as the XXXX XXXX XXXX XXXX XXXX 

It is a stark reality that the XXXX XXXX, along with their parent company, XXXX, have been subjected to investigations by numerous state attorneys general, resulting in damning findings of fraudulent activities. 

Recently, in response to the egregious actions of institutions like the XXXX XXXX, the XXXX  administration has taken a commendable step by announcing a sweeping discharge of loans for individuals enrolled at these institutions between XX/XX/XXXX, and XX/XX/XXXX. This move offers a glimmer of hope for those burdened by the weight of unjust debt. 

As I await the impending discharge of my federal loans and the subsequent repair of my credit, I am compelled to address the insidious practices of Navient. Not only have I dutifully repaid a significant portion of my original loans, including interest in the amount of {$41000.00} in Federal loans and {$31000.00} in Private loans, but I also demand restitution for the predatory behavior exhibited by Navient. 

The symbiotic relationship between Navient and for-profit online schools, facilitated by preferential lending arrangements, is a stain on the integrity of the education finance system. It is evident that these loans, fraught with a high risk of default, were designed to exploit vulnerable students, leaving many in financial ruin. 

Navient 's track record of malfeasance extends beyond its collusion with for-profit institutions. The company has faced legal action from state attorneys general, allegations of deceptive loan practices, and accusations of illegal collection methods. Their recent attempts to absolve themselves of responsibility through superficial " pilot programs '' are a slap in the face to those who have suffered at their hands. 

Under the FTC " Holder Rule, '' Navient bears accountability for its role in perpetuating predatory lending practices, particularly in conjunction with online for-profit schools. Time is of the essence for Navient to rectify the injustices inflicted upon students who were lured into a web of deceit and financial exploitation. 

The call to action has been sounded by esteemed voices such as XXXX XXXX XXXX, who rightfully demands immediate discharge of these predatory loans. It is incumbent upon Navient to heed this clarion call and take swift and decisive action to alleviate the burdens of those they have wronged. This should also include refunds for payments made on these predatory loans. 

In conclusion, I implore all stakeholders to recognize the urgency of this matter and to stand in solidarity with those seeking redress. The time for accountability and restitution is now. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-03
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

Crypto.com allows the user to easily transfer money from the users primary bank account to their Crypto.com account with an account number and routing number. Withdrawing any funds from Crypto.com proves to be an entirely different experience for anyone using the platform. 
In order to withdraw any funds, Crypto.com forces me to use a third party financial vendor by requiring that I open an account with them ( each vendor is contracted with Crypto.com ). Its a tactic to collect information on their users who sign up for the crypto.com platform. 
Once I navigate through the withdrawal prompts, Crypto.com instructs me to use their 3rd party contracted vendor, XXXX. XXXX  requires me to give them my bank account username and password so they can access it and pull all the users financial information ( there is no manual way to give them a routing and account number to withdraw funds, which they should already have from signing up with the platform ). My current Credit Union does not allow this, for good reason. 
The alternative is to open another bank account with a Bank who has an agreement with XXXX ( i.e. XXXX XXXX ), then give XXXX access to this account, transfer my Crypto.com balance out of the platform to the new bank account, then transfer to my long standing Credit Union bank account, then close the recently opened bank account. With this option, I am forced to open an account I do not want. 
Another option is to sign up for an account with Crypto.coms 3rd party vendors, XXXX XXXX or XXXX XXXX. This essentially funnels my money through a 3rd party who collects banking and other sensitive information on the user. 
Ive contacted Crypto.com to ask for alternative options for funds withdrawal. I have even suggested a check be issued to me or my own financial institution, or I can supply them with my account and routing number, which they have refused. 
Overall, my Crypto.com funds are being held hostage by them until I agree to create a financial account with their 3rd party vendors so they can transfer to my personal bank account and collect my financial data outlined in their agreement ( user is forced to accept ). I have declined to use their affiliated middlemen to withdraw my balance Please help resolve this common issue with Crypto.com. See attached PDF
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX  reported my account as being delinquent even though they we fully paid with no lapse. They got money from progressive on XX/XX/2023 then turned around in XXXX or whenever they did and reported to XXXX XXXX and TransUnion
Consumer complaint received 2024-05-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (HI)

On XXXX XXXX I received a prepaid Netspend Visa card for my XXXX XXXX  child. This was never authorized by me. I went to the phone number in the material that came with the XXXX XXXX to cancel the card, which then prompted an automatic email to my XXXX  child asking her to call the customer service line. I called the customer service line myself to make sure the account was deactivated and to insure that her account that they created for a minor without permission from a legal guardian was closed and if they took any money from her that they immediately return it to her. The customer service agent said that they only talk to the card owner. I told them again that she is a minor that they would not deal with her but her parent. The customer service agent said sorry that he can only deal with the card owner. I asked to speak with a supervisor because they cant transact business with a minor without my permission. I was placed on hold and 40 minutes finally someone came on the line and then hung up.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

STATE EMPLOYEES CREDIT U- Account Current Balance XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- XXXX XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : XXXX XXXX XXXX XXXXAccount 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-Account Current Balance : XXXX XXXX XXXX XXXXXXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

Filed first dispute with XXXX on XX/XX/XXXX because Synchrony Bank reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - Synchrony made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with XXXX and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX  using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with XXXX XXXX and provided the screen shots, account information showing XXXX  removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX  with the agents name and location, and the date we spoke. Got results from the XXXX  dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work. 

I filed disputes with XXXX and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve. 

My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. XXXX needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

For the following accounts : XXXX XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries Despite a my request for information from 4 months of asking in letters regarding late payments and collections, inquiries, there has been no response or resolution has been provided. This lack of transparency and action on the part of the debt collector represents a violation of the consumer 's rights under pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I was recently contacted by your companies above in regarding a debt that I owe or a inquiry I made. However, I disputed the validity of this debt as I have no knowledge or records of the alleged account in question. In accordance with the FDCPA, I kindly requested that they provide me with the following information to validate the debt : 1 A complete and itemized statement of the alleged debt, including the original creditor 's name, the date the debt was incurred, and the amount of the original debt.

2 A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt.

3 A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization.

4 Proof that your agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation.

5 A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence.

As per the FDCPA, they are required to respond to my request for validation within 30 days of receipt of this letter. I also requested During this time, all collection activity must cease, and any negative information reported to the credit bureaus must be removed. Failure to provide the requested validation or to comply with the FDCPA may result in legal action being taken against their agency. They did not follow through with my request at all.

Furthermore, I am invoking my right under the FDCPA, 15 U.S.C. 1692c ( c ), to demand that you cease and desist from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters and electronic communications to me, my family, friends, or place of employment and reporting data on my consumer report. Any further attempts to contact me regarding this matter may be considered harassment and may result in legal action being taken against the agencies
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (GA)

This information has been reported as verified. Per FCRA section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it should be provided. A copy of ANY original documentation was NOT provided at my request. Under section 611 ( a ) ( 1 ) ( A ) of the FCRA it is required. Under section 611 ( a ) ( 1 ) ( A ) information that can not be verified is to be promptly deleted. There has been a failure to comply under section 617 " negligent noncompliance ''. This has violated my rights as a consumer.
Consumer complaint received 2023-10-03
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. (CA)

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 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It
also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (OH)

My Loan was taken from a Credit Union and XXXX XXXX  XXXX XXXX in the XXXX 's and sold to XXXX XXXX. Eventually consolidated with XXXX XXXX XXXX. I received a call to fill out paperwork because I qualified for Loan Forgiveness.  When I explained the paperwork asked me to consolidate the loan to XXXX XXXX XXXX XXXX not forgive the loan. The explanation was the loan has to be consolidated back to the original Lender/Holder to be forgiven so I went ahead. I never heard anything further then my loan was in default. I brought it out of default and have been told I do not qualify for forgiveness. Now the loan is continually sold to services without my consent and every time I am contacted by a new servicer the loan amount increases by thousands of dollars. There is some sort of predatory fraud and scam being committed. The loan amounts I borrowed in school were around 15,000 and My has added interest from around {$30000.00} to not over 55,000 in the last 2 years. Something is wrong.
Consumer complaint received 2024-04-10
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2023-10-13
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. (NJ)

In accordance to 15 U.S CODE 1601 ( charge off ) ( late payments ) XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-04-10
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. (TX)

I am XXXX 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 XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings (NJ)

I withdrew from school XXXX University online division, and every time I go online to see if my account has been fixed to see what I may owe the school or loans the numbers are different one day I dont have a balance the next day the the numbers are changed and I have a balance, the last time this happen they delayed my stipend for 4 months, I trir6talking to a supervisor and got no where I ended up going to the corporate office and it was resolved but now they are doing it again.i have pictures of this.