davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC. (SC)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My XXXX loans in the amount of {$58000.00} are being XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a XXXX XXXX XXXX program by which Navient is sending out " applications '' to select students who XXXX have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the XXXX " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's XXXX  asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

So Some criminal in AMEX created a business card with my company name and was able to do ACH of {$150.00} from my business checking account. 
I have reported this to both AMEX and XXXX XXXX  but they are bouncing me back and forth and none of them is willing to pay me back the damaged amount.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three of my XXXX XXXX XXXX accounts are older than XXXX XXXX XXXX from the date of the negative item. I have disputed this with all three credit bureaus but they have not deleted the closed account. The XXXX accounts need to be deleted asap because they have aged out.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (OH)

I have a mortgage with Village Capital Investment. I was having trouble making the payments due to a combination from the financial effects of the covid pandemic  as well as a XXXX XXXXXXXX which severely relapsed around spring XXXX, and started a new, intensive treatment which lasted most of summer into fall. I filled out an application for financial assistance with Village Capital, but their response was confusing because they were asking for information I had included when I submitted the application. 

Due to the time I had to spend at the hospital and side effects from the treatment that made me feel miserable, I didn't realize Village Capital had filed for foreclosure until I learned my house had been added to the list for an upcoming Sheriff 's sale on XX/XX/XXXX. After searching for options online, I found XXXX XXXX XXXX Ohio, and immediately submitted an application ( the date for this was XX/XX/XXXX ), and I was ultimately approved. 

A few days later, I received two separate letters from Village Capital dated XX/XX/XXXX, but they seemed to both just be the application for assistance I had submitted to them earlier in the summer. They never contacted me by mail or by phone about my application to XXXX XXXX XXXXXXXX Ohio, and my house stayed listed on the Sheriff 's Sale calendar for XX/XX/XXXX. 

I made several attempts to contact Village Capital, but the hold time was so long ( around 30 minutes ) I was never able to wait on hold long enough to see if a live person would answer. It would always give the option while I was on hold to " save your place in line and have us call you back '', which I would end up choosing but never get a call back from them. 

My house ended up being sold at the auction by a local real estate agent. I tried contacting my local legal aid, but they said they couldn't help me. 

At this point, I was at a loss for what to do, so I tried filing a motion on my own in court requesting a stay on the court confirming the sale stating that I had been approved by XXXX XXXX XXXX Ohio and wanted to be able to work with Village Capital to keep my house. The judge denied my request for a stay, and then shortly after ( earlier this month ) confirmed the sale. 

I've tried reading whatever I could find online to see what Village Capital 's responsibilities were, and it seems like they should have contacted me after I submitted the application to XXXX XXXX XXXX Ohio, and should have rescheduled the sheriff sale for later date to allow the process with XXXX XXXX XXXX Ohio to be completed. I don't know if the long wait times and lack of call back were due to being short staffed, or because a lot of people were off for holidays, or if their lack of response was because I rely on on Social Security XXXX, and they see that as a liability. 

I don't know what to do at this point. I can't afford an attorney, and legal aid already said they couldn't help, and I'm running out of time before I'll end up being forced to move and lose my house for good.
Consumer complaint received 2023-04-19
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. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

On XXXX, XX/XX/year> I sent a friend {$20.00} thru CashApp. My friend has been unable to access the money. The CashApp system keeps asking him to verify his identity. He has submitted his identity over 50 times utilizing both current photos and his Texas issued state ID. We have both contacted CashApp with no resolution to date. Neither myself or my friend are able to access the {$20.00}.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've sent over 2 separate letters regarding my consumer report and the errors reported on there that need to be removed. I was recently evicted and misplaced my receipts when I sent out letters but 2 of them have gone unanswered and they just sent me my consumer report saying all the information is verified. Which I know is a quick and easy response to restart the clock in the 30-day timeframe they have to respond. The main inaccuracy that I have an issue with is late payments. Over 15 late payments are being reported on my consumer report, but according to your laws, late payments are excluded from being reported. It specifically states in 15 USC 1681a ( 2 ) ( i ) that " Reports containing information solely as to transactions or experiences between the consumer and the person making the report ''. Transactions and late payments or any kind of payment history are excluded, and also experiences. So how I use my card, and my " experiences '' with using said card are supposed to be excluded from your consumer report. If you look at the definition of a consumer report. Nowhere in there does it say anything about payment history, credit utilization, FICO, XXXX XXXX, etc. None of these items are mentioned in what defines a consumer report. In any consumer transaction, I am the original creditor, using my SS card which is my first credit card. If you do not agree then please see the definition of credit card for clarification. So therefore I extended my credit to these corporations, being how it was the use of my credit which was extended to them in the first place. Another big issue is the XXXX collections reporting on my consumer report. A debt collector is a third party whom I do not have a contract with and who is trying to come after me for evidence of a debt. They do not have any proof of the debt and can not prove that I owe anything to them because they can not produce a contract that has the wet ink signature that I agreed to pay them anything. Debt collectors buy debts, knowing that they are bad debts, and may not ever collect any payment for them. So they can not cry wolf after knowing they bought a pool of bad debt that was a great possibility of not being collected. Each violation of my consumer rights is a minimum of a {$1000.00} fine, and there are many violations on my consumer report. I would like this information removed as it is causing me harm as I mentioned earlier I was evicted not long ago and this inaccurate information is making it difficult to extend any more of my credit.
Consumer complaint received 2023-09-12
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. (NM)

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.

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 2023-09-12
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

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. PROCOLLECTION XXXX, 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. 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. 12 CFR 1006.34C was also violated. You do have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811. Any reporting of this alleged debt to any consumer reporting agency will be taken as an attempt to collect on an alleged debt that not only is fraudulent, but you have no legal right to collect on. 15 USC 1629i, FDCPA 807, 15 USC 1692 ( e ) ( 3 ) False or misleading representation. Each violation of the FDCPA that you have committed I am entitled to {$1000.00} per violation per FDCPA 813 15 USC 1692k Civil liability. 

Texas Statue of Limitations : Sec. 16.004. FOUR-YEAR LIMITATIONS PERIOD. ( a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : ( 1 ) specific performance of a contract for the conveyance of real property ; ( 2 ) penalty or damages on the penal clause of a bond to convey real property ; ( 3 ) debt
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (IL)

Vehicle was repossessed and sold without my consent nor any information was given to me in regards to when the vehicle was resold and for how much it was sold for. Under the laws of Illinois UCC-9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and core time limits were adhered to.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to XXXX, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. On XXXX, XXXX, someone withdrew from my account unauthroizedly for {$5000.00}. On the same date, XXXX, XXXX, XXXX, there is another withdrawl for {$4000.00} that was unauthorizedly from my account. On XXXX XXXX, XXXX, there was another XXXX unauthorzied withdrawls from account, which the first unauthorziedwithdrawl withdrawn from ATM was for {$500.00}, the second unauthorzied withdrawl withdrawn from ATM was for {$500.00}, and the third unauthorzied withdrawl withdrawn from counter was for {$500.00}. I went to the bank on XXXX XXXX to file the claim when I immediately realized my account was unauthorizedly withdrawn by others. The bank showed me evidence that my wife withdrew from my account, since this account was owned by me and my wife. HOWEVER, I HAVE SHOWN THE EVIDENCE TO THE BANK THAT MY WIFE HAD ALREADY LEFT THE UNITED STATES IN XXXX, XXXX AND DID NOT COME BACK UNTIL XXXX, XXXX! I called the bank for many many times but they always said that they couldn't help with different reasons. I think this was wrong for the bank not helping me. I don't know why they declined my request for asking the money from these unauthorized transactions back even that I filed a claim within a week from this issue happened.
Consumer complaint received 2023-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Account openXXXX, XXXX XXXX XXXX XXXX original creditor Account is currently with XXXX XXXX XXXX XXXX I have sent a debt validation letter to this company and have not recieved a response from them.
Consumer complaint received 2023-09-13
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. (IN)

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 XXXX 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

THERE IS A BANKRUPTCY THAT ISN'T MINE ON MY CREDIT REPORTS, THE CREDIT BUREAS GOT THIS INFORMATION FROM XXXX XXXX SO I REPORTED THE INACCURATE WITH XXXX XXXX AND THEY INVESTED AND FOUND IT IN MY FAVOR. THEY REACHED TO ALL THE CREDIT BUREAS TO REMOVE THE INACCURATE BANKRUPTCY BUT IT STILL SHOWS UP ON MY REPORT. IF THEY DONT REMOVE THIS I WILL TAKE LEGAL ACTION.