davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

The previous page on this form would only allow me to add one issue. Therefore, I am adding it to this section. I have two problems : privacy law, debt balance, and payment. 

First issue : On XX/XX/2023, Navient contacted my husband, children, and job regarding the student loan debt. The Navient representative left a detailed voice message regarding my student loan to those I mentioned in the previous sentence. According to the privacy law, Navient violated my rights by telling others who have no financial obligation about my debt. This is not the first time Navient has contacted others regarding my student loan debt. My job does not allow personal calls and emails. I told them previously on the phone not to contact those persons and recently sent an email for them not to contact others regarding this debt. I do have those voicemails and the email Navient sent. 

Another issue regarding this student loan debt, Navient has increased the total amount that they say I owe. I have been paying on this debt for years, and there has been no decrease in the balance. I do not get a bill stating how much I pay monthly and whether the total amount decreases. Every time I sign up at the end of the six months to get a low monthly payment, the amount increases by at least {$50.00} or more. I need assistance finding out why my payments continue to rise, and I will never finish paying off this debt. Navient says they are here to help, but I need to see how they are helping me. There is no way the total {$26000.00} increased to {$71000.00}. I have talked with Navient representatives numerous times regarding this debt 's payment amount and balance. This is never ending debt that I will never pay off. Navient is increasing payments, getting more money from me, and putting in more debt. It will never stop with them. I feel like they do not care that they put people like me in debt and struggle to pay them. This needs to stop.
Consumer complaint received 2024-04-03
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. (NY)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have recently reviewed my XXXX XXXX XXXX. The reports are indicating that a I have 30 day late payment in XX/XX/2023 reported by XXXXXXXX XXXX XXXXXXXX. This a serious inaccuracy a needs to removed immediately. I have never been on any accounts. Please provide proof that this account was paid late by provide me a banking showing by demanding a copy of the statement that confirms. 

If proof can't be provided, I demand that the XXXX account be updated to its correct status and satisfactorily paid on time.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Summary - This complaint is regarding Bank of America home mortgage online pre-qualification request as being intentionally misleading. 

Background - I applied for a pre-approval on BOFA website on XX/XX/2018 with following details - 1. Loan amount of $ XXXX 2. Down Payment of $ XXXX ( ~7 % of loan ) 3. Zip Code XXXX 4. Co-applicant with me and wife.

5. Primary Residence 6. Score estimated - 700-739 ( My email ID is the PDF for you to be able to identify my specific request. I spoke with XXXX as my loan officer ) In response on online application, Bofa website indicated below details for me - " Your APR for a {$590000.00} loan could be as low as 4.059 % ''. The loan estimate also clearly states - " This rate and pricing information is based on your credit scores and assumes you're making a {$45000.00} down payment and using your loan to purchase a {$640000.00} townhouse ( single unit ) in the XXXX area to be used for primary residence. '' See attachment for the details. 

The loan officer then called me and i only agreed to proceed because i was expecting to be qualified around the low interest rates they indicated and the down payment of ~7 % as i indicated in the questionnaire. The loan officer ran a hard credit check and confirmed that he can only pre-approve me of $ XXXX with a down payment of $ XXXX. In our conversation, he did confirm that the loan pre-qualification was based on the low down-payment amount and not credit history. The loan officer also mentioned that there were other attributes in play, but would not confirm what they were and how they differed from questions I answered online. 

I would not have asked for a hard credit check and hurt my score if the website would not have mislead me into believing i would be approved on for a higher loan limit with less than a 10 % down payment.
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

Lvnc funding LLC submitted in court false statements from original creditor XXXX bank from XXXX that claimed I didn't pay.i closed this account in XX/XX/XXXX. This company put this information on my credit report in XX/XX/XXXX appearing like this was a recent debt and sank my credit XXXX points
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2020, I mailed another letter about inaccurate accounts listed on my credit report. It has been almost two months and I still haven't heard from the company.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX there were several unauthorized atm withdrawals from my account in the amount of {$200.00} each. The total came to {$800.00}. I did not receive a singe txt freud alert message from chase. Attempted to put in a claim to resolve the issue. After speaking to countless customer service representatives, it was determined that I was responsible. JP MORGAN robbed me on purpose. They have the FDIC TO COVER THEIR LOSES. I have. They loose in the end.
Consumer complaint received 2023-08-13
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. (CA)

I applied for credit for my business, but it's showing on my personal credit report and Equifax refuse to remove this inquiry. I have sent 3 different letters to them certified mail in regard to this matter and received the same response each time. I Even called after each response I got back via mail.
Consumer complaint received 2024-04-03
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (GA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-15
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2024-04-03
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. (FL)

This is XXXXne of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating it within the legally required time range. The false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

This complaint is in tandem with an open complaint I currently have withXX/XX/XXXXXXXX XXXX through the CPFB. 

My phone was stolen on XX/XX/XXXX of 2020. The perpetrator used my phone to transfer XXXXUSD from my checking account held at XX/XX/XXXXXXXX into my CashApp account. They then used my CashApp account to transfer said funds into another unkown CashApp account. The transfers occured at XXXX. The CashApp company then sent an email to me stating they needed identify verification at XXXX, same date. I have attempted the proper channels to resolve this matter with XX/XX/XXXX fraud department with supporting evidence and witnesses, but have been denied more than 5 times. Supporting evidence includes a XXXX Police Report. I attempted to contact CashApp regarding the situation, and at most all I received was an e-mail stating they had elected to close my account. Within that e-mail, they stated they would provide no further information. Please help! This has lowered my quality of living and caused stress and pain and suffering. 

XX/XX/XXXXattempts to verify my identiy came only in the form of a simple text message with simple requirements of replying 'YES ' or 'NO '. This has been their statement to me multiple times. Needless to say, the perpetrator had an easy time verifying with the bank by simply replying 'YES '. CashApp attempted their identiy verificiation some XXXX hours ( too little too late ) after having already made such large transfers. PLEASE HELP! 

I have all necessary supporting evidence and witnesses needed! 

Please contact me directly for supporting evidence!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-03
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. (TN)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2023-08-14
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from XXXX XXXX XXXX and stated I owed a debt to PayPal. I asked the representative for more information and was told they represented XXXX XXXX XXXX. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe PayPal. My PayPal balance shows XXXX. I believe this to be a scam.
Consumer complaint received 2023-08-14
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)

REVIEW THE LETTER I SENT REGARDING THE INQUIRIES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.
Consumer complaint received 2023-08-14
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. (AZ)

on XX/XX/XXXX a letter requesting the process used to investigate items on my credit that equifax deemed verified was sent to them but i have yet to receive any kind of response to the matter.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (IN)

SUNRISE CREDIT SERVICES CALLED MY PRIVATE PHONE NUMBER TODAY, XX/XX/2018, APPROX. XXXX, FROM XXXX, HIDING THE NUMBER OF THIER BUSINESS WHICH IS XXXX. XXXX XXXX started barking claims at me, tell me i owe some type of debt. I immediately told her i have no contract with Sunrise Credit and they must NEVER call me again and I demanded Validation of Debt, pursuant to the Fair Debt Collections Practices Act and informed HER, they have 30 days to provide proof of their claim and any communication within that 30 days, other then about the Validation, is a {$1000.00} fine, per incident. I called the company back later on during the day to obtain an insurance Claim form from this company so i may make a claim for damages. They told me my number has been removed and then questioned me why i was calling them. I asked for a Claim form because i was damaged by this company. Everyone at this company has refused to supply me with an insurance claim form. I asked a manager for a claim form and he hung up on me. I had to call back again to ask for the Claim form, this time i was transferred to a Supervisor who refused to listen to me, continued to rudely speak over me, refused to comply with obtaining a Claim form for me, which i demanded several times, he claimed the FDCPA does NOT apply to Sunrise Credit and then hung up on me. I specifically told this Supervisor named XXXX that Sunrise has injured my person and i need a Claim form to file a claim. XXXX asked me Why, instead of supplying the form and then hung up on me. The manager also had the nerve to ask me for my Social Security Number and told me, he can ask me whatever he wants because of " THE LAW ''. ALL TELEPHONE CONVERSATIONS HAVE BEEN RECORDED. I HAVE AUDIO CONVERSATIONS WITH THIS COMPANY THAT HAVE BEEN SUBMITTED WITH THE XXXX  and CFPB IF APPLICABLE. Same recordings will be used in a court of law.
Consumer complaint received 2023-08-14
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. (WI)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2022-11-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020