davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AE)

I have worked for the XXXX XXXX XXXX for over 10 years while making payments with the intention of receiving the forgiveness under the Public Service Loan Forgiveness ( PSLF ). I have submitted my Employment Certification Form ( ECF ) over 3 times and received 3 different statements with 2 stating that I did not work for an agency that falls under the criteria. This has been debunked my HR team both times. Finally after proving to them that this was incorrect now they have turned down my ECF due to the following statement : NOT ELIGIBLE : based on our review, you do not have any eligible loan types. Under law the PSLF is only available for loans made under the XXXX XXXX XXXX ( Direct loans, which was my original loan type before it was sold to another borrower and now Navient ). I contacted them and they refused to change their answer. They sold my loan, changed the characterization of the loan ( probably for this reason ) and all while I had no agreement to this or did I sign a master promissory note. They now claim ZERO dollars apply to my loan forgiveness and I am getting a lawyer to take on the DOE. Please look into this as the customer service agent I spoke to said this was a common issue and she used the term " corrupt '' to describe it.
Consumer complaint received 2023-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Primary borrower filed bankruptcy in XXXX  for the loan. The company has recently gone through a lawsuit, and they have finally discharged the loan. But they are now saying they can remove the primary 's name off the loan and make me as the co-signer responsible for the loan now. I have researched and I don't see anywhere that this is what they can do. Also, the amount of the loans they are collecting for is not coinciding with the amount they are asking for the loans to payoff these loans.
Consumer complaint received 2018-09-10
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: CITIBANK, N.A. (VA)

In XX/XX/2018 I received a call from an English speaking woman from Sears Mastercard fraud unit. She stated that suspicious activity was noticed and asked did I make charges in the amount of {$850.00} in Massachusetts at a XXXX XXXX XXXX XXXX and at a donut shop. I told her I live in XXXX XXXX and have never been to Massachusetts and never made the charges to my account. She said she would remove the charges and reissue me a new credit card and my account would not be charged. Today, XX/XX/XXXX I received a letter stating they had received a receipt and that they were rebilling my account and closing out their case. I signed the letter stating I did not make the charges and faxed back to them. I have talked to them several time on phone and I do not get anyone who speak good English. I did not make the charges and the receipt the store sent does not have my signature or name or anything just the last four digits of the card. Sears Fraud Unit is giving me the run around and I do not feel they have investigated. They have just rebilled me. What do I do next. I do not think they are doing this legally and I always pay my bills on time. I have always paid my Sears out in one or two months. If I had made a purchase I would have paid for it. It looks like someone purchased 3 gift cards and how can someone use a credit number and no card at a donut shop. They have been very rude on the phone and there is a great communication problem. I believe a new company must be taking over Sears accounts because this has not happened to me before. Do I contact Attorney General, get a lawyer and start a class action suit? I do not believe they are going by the law. It seems Sears is closing and they must be selling all their accounts to a foreign company. They do not understand English and many have been inpatient and rude and they don't seem to know what is going on.
Consumer complaint received 2019-01-28
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. (CA)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are only 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2019-01-28
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. (TX)

I have a loan with XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and Equifax with no successful resolution. XXXX, Equifax and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-08-21
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: AMERICAN HONDA FINANCE CORP (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-02-05
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: Navient Solutions, LLC. (MI)

my students loans total balance : close to XXXX ... and now it has increased to XXXX my student loan but i graduated in XX/XX/2007 and there is no way my loans can jump from XXXX to XXXX this is impossible i was told that my student loans would be consolidated into one my lenders were XXXX XXXX XXXX and XXXX
Consumer complaint received 2018-09-10
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)

On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TN)

I received a check from one of my retirement account providers on the morning of XX/XX/2021. 

I used the mobile deposit process to deposit the check and Chime declined to deposit the check stating the following : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or the remitter not being able to verify the details on the check... " This email makes it clear, in unambiguous language that someone at Chime reached out to the issuer/remitter of the check, i.e., my plan manager, to verify the check details. That, as it turned out, was a bald faced lie. 

I called my plan manager and specifically asked if someone from Chime had reached out to them to verify the details of the check they issued to me and the answer was a resounding " No! '' He also told me that should I contact Chime, he would be happy to do a three way call to confirm the legitimacy of my check, an option I was not offered by Chime. 

I called Chime and brought this to the attention of their customer service department and, even though they escalated my complaint to a manager, even though I specifically read the contents of their declination email, and related the conversation to my retirement account manger to the customer service agent, ultimately I was told that they would not give me any information about their decision making process. 

I asked to know what process they used to determine the legitimacy of a check. I specifically asked why they had not, as stated in the email, reached out to the issuer/remitter or perhaps if they used a service like XXXX, a company with an utterly horrible reputation for placing random, false information on a consumers record, declining to deposit or cash government/financial institution checks. The customer service agent declined to answer that question. At that point, I stated that Chime 's email to me stating their " reasons '' for declining to deposit the check seemed, at minimum to be a lie and at maximum, fraud. How these decisions are reached should be completely transparent between financial institutions and their customers. That this is occurring when so many people are in financial dire straits is unforgivable.
Consumer complaint received 2019-01-28
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (GA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.
Consumer complaint received 2020-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (FL)

This is in response to Goldman Sachs USA previous response on XX/XX/2020. 

Goldman Sachs has ignored the Identity Theft claim. They have NOT contacted the bank used to open the account and make the " ( 9 ) successful payments '' nor have they confirmed if the account was compromised and used for fraudulent activity such as opening credit accounts, and loans. According the bank records on XXXX  XXXX  of the consumer as of XX/XX/XXXX, there was only one bank account in the name of the consumer at the time of opening the Goldman Sachs account which according to Goldman Sachs was on XX/XX/XXXX. The name of the bank was " XXXX '' and the account did not carry balances high enough to open a personal loan which as of XX/XX/XXXX, states a balance of {$12000.00} with Goldman Sachs according to the XXXX   Consumer Credit Report. According to the XXXX XXXX Reports of the consumer, the total balance for the consumers bank account  " XXXX '' as of XX/XX/XXXX was {$57.00}. This amount is NOT sufficient enough to open a personal loan account with a balance of {$12000.00}. An inquiry was also made from Goldman Sachs Bank on XX/XX/XXXX requesting a copy of the consumers XXXX XXXX report. They have reviewed the consumers banking information on XXXX XXXX and have failed to mention this in their last response! A copy of the Identity Theft report and XXXX XXXX report have been attached to provide evidence that the account for Goldman Sachs bank was opened fraudulently without the consumers knowledge or permission.

According to the Identity Theft claim, the bank used for this account was found to be compromised and fraudulently used to open the Goldman Sachs account. I request that CFPB priorities and  investigations further investigate this claim and provide assistance in filing a law suit against Goldman Sachs Bank USA as they have failed to provide verified evidence that the account was opened by the consumer and not of fraudulent activity. Under The Fairs Credit Act, Goldman Sachs is violating the consumers rights.
Consumer complaint received 2022-03-18
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: CarMax, Inc. (PA)

The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMAX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, social is XXXX and I don't know the account number to the XXXX Bank of America card that I was supposed to receive because I've never received it yet it states on my claim that I've been paid a few times since then month of XX/XX/XXXX XX/XX/XXXX three payments show on the roster of activity I don't know where these payments have been made because I don't have a card that I received therefore I don't think I have an account please send me a card with the funds that were pending and or an answer to this question that I am asking where are the funds that I was paid according to the XXXX statement thank you my phone number is XXXX XXXX XXXX thank you
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Applied Business Services, Inc. (KS)

I never received a statement and by law they are not suppose to charge me interest or late fee if O had not received the bill .and the refuse to take it off and its a federal law they have to remove all fees .They have charged XXXX in fees and reported me late
Consumer complaint received 2019-01-28
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: FACTUAL DATA CORP. (FL)

suppressively, In my credit score from XXXX  XXXX  appear that on XX/XX/2019 a company named Factual Data checked out my credit score. I do not what is that company and why they checked out my score. Now, this act brought me problems in my score.
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Navient Solutions has been contacted several times to address the interest rate on a personal loan acquired originally as a XXXX XXXX XXXX loan. The original balance {$4500.00} in 2009. I was unaware of the loan, but luckily it was being automatically debited from my bank account. Navient Solutions has acquired the ~ {$2700.00} loan and set the interest rate at 14.99 %, I was not even notified when the transfer of service occurred or given any further options. I contact them at least every few months, try to make more payments but they put the payment towards interest and not principle despite the majority of the payment amount going towards the interest. The loan continues to increase every month despite my payments, they refuse to allow me flexibility to increase the automatic payments and they refuse to reevaluate the interest loan. This is the practice for my Federal Loan as well, there are no other option for repayment. I have not missed a payment on any loan for at least 5 years and all I see is the loan balance increase despite my efforts and extreme hardship on my family as a result. I am unable to transfer my loans, consolidate, and I am not sure what to do as this institutions can not " advice '' on a solution.
Consumer complaint received 2021-08-18
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. (PA)

Hello, my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-18
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-01-28
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. (SC)

I had two different collections agencies reporting on my credit report at the same time. The 2 collection agencies were XXXX XXXX XXXX and XXXX XXXX XXXX. Both claimed they were contracted by XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX who in turned advised me to submit a dispute especially since both collections agencies reported they were collecting from XXXX. I filed a dispute with XXXX  regarding XXXX XXXX XXXX and XXXX XXXX XXXX and they both were removed. Equifax  removed XXXX but not XXXX XXXX XXXX. I sent a certified letter to XXXX XXXX XXXX asking for verification and they sent me back a billing statement with my name and a XXXX XXXX as the address. This account is fraudulent and XXXX XXXX XXXX lack the burden of proof for it to remain reporting. I asked for ownership paperwork or an original contract which has yet to be sent to me. Equifax  is the only. bureau reporting this bogus collection.