davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (NY)

There is no reason to why I would have an account being owed money to a collector. Especially with an obscene amount that I wouldnt even know about. Tried contacting the company in the past about what is owed and they cant even find where the money would be getting pulled from. I paid the hospital directly and now because of some lost communication artstrat now wants the same money I paid hospital.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MO)

Navient - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's Letter to Navient 's CEO 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, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a XXXX XXXX claim with the Dept. of Education against The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my Fed XXXX loans of XXXX were discharged and my credit has yet to be repaired. 
My XXXX XXXX Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 '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 borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to XXXX from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students 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 " pilot '' program by which Navient is sending out " applications '' to select students who may 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. Time 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. Senator XXXX XXXX has sent a letter to Navient 's CEO 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! 

XXXX XXXX XXXX? XXXXXXXX XXXX  : XXXX
Consumer complaint received 2024-05-01
Product: Credit 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: DISCOVER BANK (NJ)

I would like to file a complaint against this credit card company discover card. Ive been with the credit card company for almost 2 years and no issues. Of recently I made a purchase from a merchant, when I received the item it was expired and the company requested for me to return it for my refund. I went ahead and return the item, waited almost 1 month and never got my refund form the merchant even though the return was successful delivered. 
I then reached out the my credit card company ( discover card ) to step in and assist me since I have received my refund. Discover card open the dispute and issued me a temporary credit. After a few weeks they removed the temporary credit from my account I reached out to them to see the status they said they dont have any updates as yet so they went ahead and issue me another temporary credit as said they are reaching out to the merchant and if they dont get a response in 30 days I cant consider the credit temporary. Its been 20 months and not one single communication from discover card about my dispute & yet today they XX/XX/year> they went ahead and close the case and removed the temporary credit from my account. Not one time through out the investigation has discover card card reach out to me for evidence or explanation about my claim Yet they closed it without conducting any investigation about my dispute. Im kindly asking CFPB to step in and assist me with this unprofessional behavior of discover card! Thanks
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-05-17
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)

Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

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, as well as some of the following rights also! 

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. 

XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX  : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX  : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX  XXXX XXXX  FIN : ACCT # XXXX
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received a letter from XXXX XXXX, which copy I enclose with this letter regarding my inquiry on the previously mailed documents of bank transaction record. XXXX XXXX kindly sent the letter to XXXX XXXX, who is the joint account holder, and somehow, XXXX mentioned me as his wife, not a joint account holder, legally. As you can see, XXXX mentioned that the second checks were meant to the cleaning bank which the checks were processed. I do not recollect clearly where our joint account checks clearing banks, but at least, most of my bank checks, which meant the checks of XXXX XXXX  XXXX, should be based in New Jersey ; since most of the companies I had dealt were based in New Jersey. Maybe, you might ask me later to ask the banks about these companies and I can check by myself since I remember which checks are meant to which companies. If possible and necessary, I would like you to provide the addresses of each branch in PA, TX and other states written in the record. 

Also, I received the calls from your company several times on Thursday, Friday, and Tuesday. On Thursday, XXXX XXXX, Friday, XXXX XXXX XXXX, and Monday, again XXXX XXXX called me. I could not understand what they were talking, at least, I know they were trying to mention something about XXXX XXXXXXXX XXXX account and my ID ; especially XXXX XXXX XXXX talked for 3 minutes in my voicemail. I prefer succinct and clear explanation what your company wants since it is not easy to figure out what they want to tell me even if I tried to read the transcripts of voicemail. I prefer the written formats. And I suggest appointing only one person for a possible customer. 
Sincerely,
Consumer complaint received 2023-06-18
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. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-11
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. (KY)

Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. No contract companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (NY)

I purchased a brand new XX/XX/XXXXXXXX XXXX in XX/XX/XXXX. I never had any issues with the vehicle until XX/XX/XXXX of XX/XX/XXXX. While driving to the store my check engine light came on and my engine seized. I brought my car to XXXX XXXX XXXX XXXX to attempt to have the engine covered under my warranty. The service department notified me that it would be covered and my engine would be replaced. At that time I was delighted and glad to have a XXXX product. As the weeks went on, it came to my knowledge that XXXX engines were currently being recalled worldwide for metal in the engine. This sparked millions of people to be bringing their cars in for repair. The engines were coming from XXXX XXXX and due to be shipped. Each week I would call and check on my engine status. Each week I was told a later date until I discovered that the workers in XXXX XXXX were currently on-strike with no return to work date. Any engines would be on backorder until further notice. I was instructed by XXXX that I could rent a car and be reimbursed for the rental fees 90 days after I received my car back which still had no set date. There was no loaner car or way for XXXX to rent me a car in the meantime. I pay a high car payment and can not afford to pay weekly for an undetermined amount of time for a rental car. I also attempted to have my payments lowered or deferred while I was waiting for my engine. Neither of these were options according to XXXX XXXX XXXX. I was offered a two month payment defferment but those payments would be added to the end of my loan term. 

Today, four months without a car and still no eta for the engine, I attempted to trade my car into XXXX and buy another XXXX. This was my absolute last resort as I have no vehicle and am close to losing my job. I was told there was no way they could finance a new car to me due to my credit rating. I was also told once again to get a credit card and charge my rental fees to it. This is not a realistic option. My hands are completely tied with XXXX and they are leaving me no choice but to default on my loan due to not having a vehicle. My car will have to be repossessed and I will not only live with that on my credit report but will still have to pay for the vehicle. I also now need to find a way to purchase another vehicle. 

I have spoke to XXXX XXXX XXXX, XXXX Consumer Affairs, XXXX XXXX XXXX XXXX Sales and XXXX XXXX XXXX XXXX XXXX. I call almost daily and am constantly told there is nothing they can do to assist me in anyway. They have left me without a vehicle and an impending repossession due to no fault of my own. I wish I could continue making my payments but it will not be possible.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (NY)

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  XXXX  AND XXXX, EXPERIAN, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as XXXX thought I was ok. Years passed, I realize its still reporting to my credit. XXXXXXXX XXXX XXXX DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX AND XXXX, EXPERIAN, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX XXXX  IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON. 

THE AMOUNT IS {$1100.00} ITS ALSO REPORTING MY CREDIT PROFILE AS DELINQUENT, ALSO REPORTING FALSE LATE PAYMENTS ALSO REPORTING AS A CHARGE OFF INCORECTLY AS IT WAS A FRAUD ACCOUNT. THEY ARE CAUSING MY SCORE TO DROP AND MY PROFILE TO BE INACURATE AND DELINQUENT.
Consumer complaint received 2023-08-11
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. (NE)

Per 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 Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren'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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. 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 2023-08-11
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: Experian Information Solutions Inc. (KY)

Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I deposited a tax refund check from the state of Virginia into my account today XX/XX/XXXX and I received an email that said that they thought this check was fraudulent and wouldnt clear based on some confidential information that they had so they are going to hold the check until XXXX XXXX, which is absolutely unacceptable. This check is from the state of Virginia and its a tax refund made out to both my husband and myself. 

When I saw that when I saw the check was being held that long I called immediately and asked them to cancel the check so that I could deposit it into my XXXX XXXX account. They said this couldnt be done. I think thats a bold lie.