davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (NJ)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (OH)

I went to XXXX XXXX to get a phone a XXXX XXXX ago and they told me that i have an account with them that is in collections. I have never opened an account with XXXX so i checked my credit report and found out that i was a victim of identity theft and also saw XXXX more fraudulent accounts with XXXX XXXX on my profile. I have been in contact with both companies and they told me that i need to do a XXXX Identity theft report in order for the accounts to be removed. I also have been trying to reach out to XXXX, XXXX and Equifax and they haven't done anything yet. Please remove these accounts as soon as possible.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NY)

It was just brought to my attention that Discover has been charging me a " discoverpaymentprotection '' fee every month since 2008. This charge is XXXX per {$100.00} balance. They state that I had signed up for this over the phone while speaking with an agent but have refused to provide me with any documentation or a recording of that call where I supposedly signed up for this. There is no possible way that I knowingly signed up for something like this. They have offered to refund me 6 months of the fee but this has cost me by my rough math in excess of {$1500.00} over the last 10 years and as I can not recall and very much doubt ever signing up for this and they can not provide any proof that I authorized this charge I am due back the full amount of this fees charges to my balance since 2008. Really I should be refunded interest charged on that additional balance as well but would settle for the amount of the erroneous fee.
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I called Navient around the XX/XX/XXXX to inquire about forbearance or deferral of my loan I was told that I could not do that as I had used all of my allotted months under the loan. These loans are not under my name but under the name of my spouse as the were previously consolidated. As such they are no longer a spousal consolidation loan but are loans that are under my wife 's name and her name alone. I know this because everytime I call in to inquire about the loan I am required to give her information and not mine as I do not have loans with Navient. When I spoke to your representative in or around the XX/XX/XXXX she informed me that I could do a consolidation through Studentloans.gov and that would reset the loans. I proceeded to do that as you can see in your records. 
On a XX/XX/XXXX letter from Navient I was informed that the loan consolidation was denied with the reason code being XXXX. I then called and spoke to another representative on XX/XX/XXXX. He told me that the loan was denied because it was a spousal consolidated loan. He also told me that the loan was in a hold until XX/XX/2017 due to the consolidation application. He told me that I would need to pay {$43.00} for loan XXXX and {$280.00} for loan XXXX due on XX/XX/2017. After that I would then make a payment of {$320.00} for XX/XX/XXXX and then in XX/XX/XXXX the payment would start with the Income based repayment plan w3ith a payment of {$230.00}. 

I called again today and spoke to another representative and was given yet different information. I was told today that my payment of {$230.00} is due on XX/XX/2017 and that would continue until XX/XX/2017. I was also told that an email was sent on XX/XX/2017 informing me that my payment was due on XX/XX/2017 and not on XX/XX/2017 like I was told on XX/XX/XXXX. I have looked for this email and there is no such email. Obviously I am frustrated that things are changing without notification and that I am being told so many different things to do. 

After my conversation today I called the Loan Consolidation Information Call Center with the US department of Education. 
I was told to call Navient back and let you know that the loan is not a spousal consolidation loan as that was done previously when that type of consolidation was permitted. The consolidation of the loan that I was applying for is in fact not consolidating my wife 's and my loans but is a consolidation of her loans alone. Please see correspondence from US Dept of ED Call center here :
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I was late XX/XX/XXXX2 times. I quick paid XXXX. After that happened I was charge being late every month. I paid over the amount that was due but XXXX still reported me as being late. Moving forward I got a call from a XXXX rep in XXXX and told me they would lower one of my car payments to pay {$410.00}, I paid {$420.00}. XXXX informed me that they would remove the late payments ; but they did not.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

This is made to declare my concern regarding security fraud committed by the underwriting department of JP MORGAN CHASE BANK and the violation of my rights as a consumer under various federal laws. Additionally, I seek to address the denial of my right to credit, which is in direct contravention of these laws. 

XXXX. XXXX XXXX Transaction : ** - On XX/XX/year>, I engaged in a consumer credit transaction with JP MORGAN CHASE BANK by submitting a duly endorsed application for credit. 
- My endorsed application generated securities, from which I am being unjustly withheld from the benefits. 

XXXX. **Violation of Rights : ** - The underwriting department of CHASE BANK has denied my credit application without just cause, violating my rights under the Equal Credit Opportunity Act ( ECOA ), XXXX U.S.C XXXX XXXX et seq., which mandates that all consumers be given an equal opportunity to obtain credit. 
- Specifically, XXXX XXXX. XXXX and its implementing regulation, XXXX XXXX XXXX, prohibit creditors from discriminating against applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, or because all or part of an applicant 's income derives from any public assistance program. 
- Furthermore, the denial constitutes a breach of the Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX et seq., which aims to promote the informed use of consumer credit by requiring disclosures about its terms and cost. 
- The actions of CHASE BANK also appear to contravene the Banking Act, which ensures the proper regulation and conduct of banking operations. 
- Additionally, the actions may violate the Bill of Exchange Act, which governs the rights and responsibilities associated with negotiable instruments. 

XXXX. **Allegation of Security Fraud : ** - I allege that CHASE BANK has engaged in security fraud by utilizing my endorsed application to generate securities without providing me with any benefit or return, thereby defrauding me and infringing upon my rights as a consumer.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (CA)

I entered into a loan agreement with XXXX XXXX an affiliate of XXXX XXXX XXXX which licensed Chase to advertise and market financing for an auto loan for the XXXX XXXX. There is belief that Chase was aware of XXXX financial distress and quality issues and continued to offer loans to customers until XXXX was forced into bankruptcy. 

I am seeking a resolution that would lower the principal on my loan to what is the real fair market value of my vehicle. Given the current bankruptcy filing of XXXX ( and the information leading to the belief that Chase was aware of the pending financial disaster at XXXX ), the car is worth next to nothing - no parts or repair services are available, and even a windshield crack can cause the car to be declared a total loss, leaving me and thousands of other borrowers tens of thousands of dollars underwater on a loan Chase knew was bad to begin with. The fair market value of my car is next to nothing, and my loan balance should be lowered accordingly.
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I attended XXXX of XXXX XXXX XXXX and the US Department of Education determined that my federal loans will be discharged do to the misconduct of XXXX XXXXXXXX XXXX and their parent company. 

I submitted a complaint previously because I also have private loans held by Navient that were used to attend the same school. Those loans should also be discharged, just like the federal loans. 

As a result of that prior complaint Navient sent me a School Misconduct Discharge application. Over XXXX weeks I spent countless hours and considerable effort gathering evidence and completing the application. 

Now, a month after submitting my application, I have received notice from Navient that they are denying my application. That denial was accompanied by an extremely unclear explanation. 

I have XXXX loans held by Navient and I am attaching all three denial letters. They are identical except for the loan number.
Consumer complaint received 2024-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (AZ)

XXXX XXXX XXXX sued me using XXXX XXXX firm for a very old debt that was not signed in the State of Arizona and the debt was cancelled in a Class action settlement with Santander who is the original company. 

XXXX did not give me proper notice and once I received notice it was for garnishment because the judge had pushed the lawsuit through without making sure XXXX actually served me for me to explain that the debt was old and canceled on a 1099-C.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2023-04-03
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. (IL)

Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-19
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. (SC)

My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, Equifax and XXXX  are still not properly reporting my XXXX XXXX account. Equifax is not reporting the full history of my account ( they are only reporting from XXXX to present ) and XXXX  is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my Equifax and XXXX  credit score. I have tried calling XXXX  directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.
Consumer complaint received 2022-12-21
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. (IL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-05-13
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-12-21
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. (IL)

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. XXXX have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-11-29
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. (AL)

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   Balance : {$10000.00}, XXXX XXXX   Balance : {$3100.00}, XXXX XXXX XXXX  Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXX  Balance : {$1100.00}XXXX XXXX XXXX XXXX Balance : {$3300.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

In mid XXXX, I discovered my Chase Freedom card was stolen and someone had made unauthorized charges on my account. After finding out on XX/XX/2022, I immediately called Chase and informed them of this. I honestly have no idea who stole my credit card and made such purchases on my account. Other credit cards, including my XXXX  XXXX XXXX and XXXX XXXX XXXX were also missing from my wallet, and I called into those credit card companies as well. 

After nearly two months of absolute silence from Chase, they have partially refunded some of the charges made on the account but not all. 

Specifically, I somehow " benefited from this transaction '' despite me not making the transactions on the following purchases : XX/XX/2022 | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | XXXX | XXXX XXXX Again, to reiterate, my credit card was STOLEN and someone had used my credit card to make the above fraudulent transactions.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.