davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I co-signed four loans while my son was attending college Approximately from XXXX. At that time the lender was named XXXX XXXX. I didn't know then that this company was a predatory lender who would change its name to Navient while trapping off a segment of its clients. Originally the four loans totaled around {$64000.00}. My son was guided towards a forbearance program which ballooned the sum near {$100000.00}. My son and ex-wife who begged me to co-sign for these loans both have abandoned their commitment towards paying anything. I've been left alone as a co-signer with a payment that went from XXXX XXXX to Navient presently charging me XXXX XXXX. It appears only about XXXX XXXX or so goes towards the principal. I'm paying a fortune and the bill isn't going down. This company has intentionally manipulated this into an interest bilking scheme. I was sure that I qualified for relief from the past Navient lawsuit. Unfortunately I was told by Navient that I didn't qualify, while they gave no sensible explanation. Navient should not be able to pick who couldn't get relief from that lawsuit without a non-bias agency like the CFPB 's oversight. Clearly they've proven themselves untrustworthy. How did a fathers attempt to do the right thing by their child, end up such a nightmare? These payments are absurd, predatory and are sinking me.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Robo Calls everyday, sometimes 2x a day from phone # XXXX ERC unknown caller about debit collection ( robotic messages ) My phone # is on DO NOT CALL registry This is an unknown debit, that I know nothing of
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (AL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30-60 days later I have not received a response yet.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On numerous occasions USAA has intentionally obstructed my ability to access and complete routine transactions associated with my account. 

Today, XX/XX/2022 USAA stopped me from making a same day transfer from a USAA representative payee account with my son into another USAA account in my sons name. As a result we had to have checks mailed to us. 

I then attempted to make a transfer from my USAA checking account into my sons USAA checking account and was told this could not happen on the same day because my sons account is not stored. 

I then attempted to make a wire transfer into my sons account and was denied the opportunity to do so. I was told I was not properly verified even though USAA made no attempts to verify me. 

I have been a member of USAA for 15 years and I have just recently began experiencing problems with the services I receive from USAA account. 

I believe USAA is engaging in this behavior at the request of my former employer, the XXXX XXXXXXXX XXXX XXXX, in retaliation for my filing a federal lawsuit for unlawful employment discrimination. 

I am using my sons email address so I can submit this complaint in writing rather than verbally over the phone. I do not currently use a personal email address due to unlawful hacking and invasion of my privacy.
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (CO)

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the equifax data breach and XXXX XXXX breach and may have reached the hands of a fraudulent person
Consumer complaint received 2022-01-28
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc. (DC)

I applied to refinance my law school student loans. During the application process, I was asked if I was a lawful permanent resident ( " LPR '' ) or U.S. citizen, but the application did not specify that the company discriminates between types of LPRs. As an XXXX who has applied to remove conditions, I made the appropriate selection, submitted my application, and the company pulled my credit. However, I was denied for the sole reason that I am not a U.S. citizen or 10 year permanent resident. I believe this constitutes alienage discrimination in violation of 42 U.S.C. 1981 ; discrimination, in violation of the California Unruh Civil Rights Act 51, et seq. ; and obtaining consumer reports without a permissible purpose, in violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681, et seq. ( " FCRA '' ).
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX I received a fraudulent text message from Wells Fargo asking if I had authorized a XXXX transaction in the amount of {$3500.00}. I quickly responded " No '' and was called by a Wells Fargo agent impersonator whose Caller ID said " WELLS FARGO ''. This fraudulent agent said someone was attempting to send {$3500.00} through my WF AppXXXX , and that the way to ensure we prevent that was to XXXX myself and " reverse '' the transaction. The fraudster accessed my mobile banking app without my knowledge and was sending one-time text codes to my cell phone and asked me to read the code back to them. This is a known Wells Fargo authentication practice used with me in the past, and I was under the impression at the time I was speaking to WF representative. The fraudster had me push through the {$3500.00} transaction, then asked me to change the recipient to his bosses name to reverse the payment. I attempted to do so, and was limited to a {$500.00} transaction. I started to become suspicious that this was not in fact Wells Fargo, and hung up the call. I called the fraud department back the following day to follow up and was told I was speaking to a fraudulent representative. Wells Fargo has denied three claims I have submitted attempting to recover the funds, though they sent out a mass email to all WF users on XX/XX/XXXX identifying this as a popular scam on the rise, called the " Pay Yourself '' scam. This is a known issue and scam, and I am still being denied any repayment by Wells Fargo. Timeline with case details, dates, and WF representatives involved can be found below. 

XXXX opened original claim # XXXX which was denied XXXX escalated to executive line after XXXX claim was denied -Case XXXX was told I would get a call to gather the details -Called XX/XX/XXXX for an update, and to speak to case specialist XXXX. XXXX was unavailable, but was told he would call me back. 
-Called back XX/XX/XXXX for an update to learn the claim was denied, no phone call was made to me to gather details on the case. Asked to speak to Case specialist XXXX, was told he is unavailable again, and he would call me back. 
XXXX never called back. Called Wells Fargo back XX/XX/XXXX for an update and to speak with XXXX, or his manager, XXXX. Both unavailable, but told XXXX will call me back on XX/XX/XXXX. 
XXXX still no call backs, calling WF again to ask to speak to manger. Intake specialist XXXX. XXXX XXXX, XXXX manager will call back today. No call back provided afterall. 
XXXX I called Wells Fargo XXXX intake specialisXXXX XXXX, trying to get me in contact w XXXX or XXXX. Could not assist so opened a new case # XXXX XXXX I called WF back after no contact made, intake specialist XXXX XXXXcomplaint agent, not case specialist, assigned is XXXX XXXX - XXXX called to discuss XXXX XXXX XXXX ext. XXXX -will review the pay yourself scam email from Wells Fargo sent on XX/XX/XXXX -Case is now re-opened til XX/XX/XXXX XXXX XXXX XXXX called back to deny the claim, CFPB case opened.
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NJ)

XXXX XXXX opened XX/XX/XXXX XXXX..account is not mine already filed for identify theft .. they told me it would be off my report in 60 days..its off my XXXX but not XXXX and XXXX.
Consumer complaint received 2017-01-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Pinebrook Holdings, LLC (MI)

The original company whom provided me a loan, sold my loan to another company. However, it has now been nothing but harassment. They call all day everyday, even after sending them a letter with contact permission, they also harass my family and my work place. Every time I ask for contact information they refuse to give it to me, and hang up.
Consumer complaint received 2022-01-28
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. (MA)

On XX/XX/2022 I contacted EQUIFAX and submitted a Federal Trade Commission identity theft report along with a police report regarding fraudulent account, XXXX XXXX, that is on my credit file. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. According to EQUIFAX it will take 30 days for them to complete an investigation, not 4 business days. Note that all documents submitted to EQUIFAX are attached to this complaint.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

This company Toyota motor financial sell two account to a company call XXXX XXXX reported after charge off never update this information and keep reporting every month innacurate information different in every credit bureu like Payment history damaging my credit for years a open multiple dispute and this company negligent in update or correct this account or remove a keep reporting incorrect information
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I had the misfortune of having a loan serviced by the scam artists known as Caliber Home Loans. The company had secured flood insurance on my behalf. When I sold my property, I wanted to get my prorated insurance refunded, and that's when the nightmare started. 

For weeks, I tried contacting the company but to no avail. Their automated system has one and only one purpose : to make sure nobody ever gets to speak with a customer service rep. No matter what options you select, you get automated responses. 

Long story short, having spent weeks attempting to contact these scam artists to recover the funds they owe me, I had no luck.
Consumer complaint received 2022-04-12
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. (MD)

In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

I have been employed continuously with the Government since XX/XX/XXXX and I have had student loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and FedLoan Servicing. My Non-Direct loans from both XXXX and Fedloan Servicing were consolidated into Direct Consolidation Loans in XX/XX/XXXX and were transferred to Fedloan Servicing. After consolidation the amount were as : Direct Consolidated Loan ( Subsidized ) {$18000.00} Direct Consolidated Loan ( Unsubsidized ) {$21000.00} In addition to the loans above, I had {$13000.00} Direct Student Loan with Fedloans Servicing which I did not consolidate in XX/XX/XXXX, since I have already made some XXXX qualified payments on it and if consolidated, I could lose those qualified payments. 
However, after XX/XX/XXXX, when Education Department announced the XXXX waiver, due to the loosening XXXX qualified payments program, my consolidated loan, became eligible for forgiveness due to its XXXX qualified payments. 
Based on the XXXX waiver program, If I could consolidate all of my loans, my entire student loans ( {$18000.00} + {$21000.00} + {$13000.00} ) could be forgiven. In accordance with the XXXX waiver information on XXXX department website ( Link is shown in the attachment ), the new consolidation loan would be credited with the largest number of payments of the loans that were consolidated. In my case, since I have already made XXXX qualified payments on two of my loans, consolidating the entire student loan, could be given credit of XXXX payments for all of my loans and could make them eligible for forgiveness. 
After I called the Ed Department and got their OK, I consolidated all of my loans ( {$18000.00} + {$21000.00} + {$13000.00} ) in order to get all of my loans forgiven in accordance with the XXXX waiver. 
However, before, my new consolidation get processed by Fedloan Servicing, they sent me a letter stating that some of my student loan was forgiven ( {$18000.00} + {$21000.00} ) and left me with a balance of {$13000.00}. 
And Finally on XX/XX/XXXX, they sent me another notification stating my loans couldnt be consolidated since the two Forgiven loans have a balance of 0. 
I called Fedloan but they kept saying that if they allowed my loans get consolidated, I could lose the qualified payments for the two forgiven student loans. They did not have enough information regarding the new XXXX waiver that Consolidation will NOT reset the XXXX count and it does not matter how many times you consolidate your loans, what matters for the XXXX waiver is if the loan ( before or after consolidation or multiple consolidations ) were in repayment and if you made XXXX payments on the student loans and if you were employed by a qualified employer.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act the following inquiries XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights.

15 U.S.C. 1681 account section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
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. (CA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc. (CA)

In 2006 I bought a XXXX using gm financing I missed one payment they reposed the car if they waited a couple of weeks I got a steady income I could have kept the car that was in 2006 I think some one is trying to scam me this is the first time any one has contacted me. I talked to some guy claiming to be a lawyer all they said is pay up.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY NAME IS XXXX XXXX. XXXX XXXX WROTE OFF ACCT # XXXX AS BAD DEBT. XXXX XXXX INFORMED ME THAT IT WOULD NEVER REPORT AGAINST MY CREDIT. I BROUGHT THAT UP TO XXXX AND THEY RESOLVED IT BY DELETING IT. 
SINCE THE OTHER CREDIT BUREAUS XXXX AND TRANSUNION ARE STILL REPORTING IT IN ERROR I WANT THAT DOCUMENT AS MISLEADING. 

I HAVE ENCLOSED A COPY OF MY CREDIT REPORT HIGHLIGHTING THE ERRORS. 
THEY DONT HAVE THE SAME OPEN AND CLOSED DATES, NOT THE SAME ACCOUNT
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

MY NAME IS XXXX XXXX. XXXX BANK WROTE OFF ACCT # XXXX AS BAD DEBT. XXXX BANK INFORMED ME THAT IT WOULD NEVER REPORT AGAINST MY CREDIT. I BROUGHT THAT UP TO XXXX AND THEY RESOLVED IT BY DELETING IT. 
SINCE THE OTHER CREDIT BUREAUS EQUIFAX AND XXXX ARE STILL REPORTING IT IN ERROR I WANT THAT DOCUMENT AS MISLEADING. 

I HAVE ENCLOSED A COPY OF MY CREDIT REPORT HIGHLIGHTING THE ERRORS. 
THEY DONT HAVE THE SAME OPEN AND CLOSED DATES, NOT THE SAME ACCOUNT