davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

When I started College in 2007, I was advised of the Public Service Loan Forgiveness which applied to me as I was working in XXXX XXXX and had for years. My wife who also worked for XXXX also qualified for the forgiveness. As we completed our degrees we combined our student loans and again was advised that we would fall into this category as long as we made our monthly payment without missing any and made this payment for over 10 years. 
Well the 10 year mark came and I filled out the required paperwork and sent it in, only to be denied due to our student loan not being listed as a Direct Loan. I talked to Navient many times without any help. There only comment was I can reclassify my loan into a direct loan so I can qualify for the loan forgiveness and apply for it after 10 years of payments. I called ombudsman for help which didn't do anything. I only was able to talk to one person who apparently got to make the entire decision on my case by themselves. 
I was advised all those years ago from my school and loan people that my wife and I qualify for this program. Now it looks as if I'm going to have to make my student loans for 20 years. I'm now a retired XXXX XXXX and my wife is XXXX from XXXX. I have received no help from Navient or any Feds. I have researched my situation and found that I have fallen into the same category as thousands of people. I was given misinformation from my school and Salle Mae who originally had my loan. I feel cheated and lied too. I followed the directions I was suppose to and never missed a payment. I've paid on my loan for over 11 years now with still no help. I even called Navient to try and work out in paying off my loan if they would forgive half of what is still owed and they said no way. I would like to add my name to the class action law suits against Navient for their false claims and would like any feedback or correspondence regarding my situation.
Consumer complaint received 2024-03-01
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. (MD)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2023-01-11
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. (NY)

According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information
Consumer complaint received 2023-01-11
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. (SC)

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 account number # # # # # # XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (CA)

In the notification to my recent credit report there is false reporting of repossession the tI have XXXX knowledge of. I've. This is a challenge for me to understand and in my failed countless attempts have not once received any accommodations to my disability and XXXX effort to help thoroughly explain the matter to me in which I am able to see exactly it is that I have done wrong. 

I'm concerned as to the bigger adversity that I am facing and that is the fact the reporting is costing my attempts to receiving housing. I've now in the past XXXX years have already been struggling as a victim to identity theft, breaches and so much more that this is truly making it difficult for me to give any more efforts towards my goals in receiving housing when this is the accepted false reporting that I know for fact is impossible and fraudulent. 

What are the necessary steps in order to remedy the situation and how might I be able to be of support?
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Ive been writing your company for numerous months. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

The following information is in response to a charge dated on XX/XX/XXXX on my American Express card in the amount of {$2000.00}. This charge was processed with intent to defraud and processed by another unknown corporation. The services purchased were from XXXX XXXX XXXX, XXXX, XXXX XXXX and services were never provided. The company who charged our American Express card, I have never heard or done business with - XXXX XXXX. I have attempted to chargeback with American Express but the merchant provided fraudulent information to American Express and the dispute was denied and closed. 

On XX/XX/XXXX - XXXX XXXX responded to my inquiry and emailed me from the domain email address 'XXXXXXXXXXXX ' and provided me with information regarding credit services. Please take notice at the bottom of his email, it also states ; " To Stop Receiving these E-Mails, please Unsubscribe by clicking the Link below : XXXX XXXX XXXX XXXX XXXX XXXX ' A copy of the email is attached - exhibit 1 XXXX XXXX XXXX is the corporation that owns and operates XXXX based on their own website Terms of Use. 

A copy of the website - Terms of Use webpage is attached - exhibit 2 On XX/XX/XXXX - Email containing copies of American Express were sent to XXXXXXXXXXXX. 

A copy of the email is attached - exhibit 3 On XX/XX/XXXX Email sent to XXXXXXXXXXXX regarding no response for over a month after the original purchase date. 

A copy of the email is attached exhibit 4 The agreement and purchase was only with XXXX, owned and operated by XXXX XXXX XXXXXXXX XXXX based on their own website address and XXXX Terms of Use. Services were never provided. 

My American Express was charged by XXXX XXXX which is apparently an entirely separate corporation. No authorization was issued and no representation was ever made authorizing payment to XXXX XXXX. Im disputing the entire {$2000.00} charge and requesting the CFPB to intervene.
Consumer complaint received 2019-11-11
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. (SD)

I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I filed for bankruptcy inXX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX  is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX XXXX XXXX and Equifax.
Consumer complaint received 2017-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MarkOne Holdings, LLC (TX)

This company is trying to collect {$12000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2022-11-22
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. (CA)

This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. You claim that the court furnished and verified the information, and you are allowing slander on my credit report. Your XXXX need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: S&S Physician Services, Inc. (TX)

I recently pulled my credit report and there is a collection account that is listed. I have know knowledge of the account and have never been contacted by phone or mail about the account that the company say 's I owe. The account is affecting my credit score. I also see where the account was assigned on XX/XX/2018 in the amount of {$93.00} I also have not signed any HIPA forms giving permission for this or any other third party companies to obtain my medical records. I disputed this account but received an email back stating that this has been verified as accurate. I have not received any other documentation of the investigation explaining how they have come to this conclusion. I would also like a copy of the bill with dates and all related charges.
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (FL)

I have Creditor listed as XXXX XXXX XXXX of XXXX Florida on a letter from a debt collector ( XXXX XXXX at FirstPoint Collection Resources , Inc. located at XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX of XXXX are claiming that I owe them and have not listed the reason for this debt. 
They assigned this account number to me XXXX with FirstPoint Debt Collectors without any reason. 

I never called XXXX XXXX and when I try contacting First Point they just told me I had to pay for services I did not use. 

They charged me for {$990.00} and could not produce any evidence that I used their services
Consumer complaint received 2019-03-02
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: ID Analytics, Inc. (GA)

I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.
Consumer complaint received 2017-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

Contacted my lender because my home has incurred significant damage from Hurricane XXXX & I have lost income because my employer has lost electric service as well as I have lost electric on my own home as well. I asked for fourbearance. And they said the only program they could offer was that I could be late for with my mortgage payment for 3 months with no late fees or negative report on my credit but the entire 3 month balance would be due by month 4. They would not agree to defer the payments to the end of my loan in order to allow me to pay for the repairs to my home which will cost me my hurricane deductible in the amount of {$6000.00}. 

I understand other lenders are agreeing to allow to defer the 3 months of payments to the end of the loan to allow the owners to pay for repairs to their home.
Consumer complaint received 2021-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have constantly been contacting Mr. Cooper about my account issues beginning shortly after my first payment on XX/XX/XXXX. 

When I made my first mortgage payment, Mr. Cooper deducted the payment from my account twice. This unauthorized second deduction caused an overdraft in my account, and I contacted my bank to help resolve the issue as Mr. Cooper was non-responsive. Mr. Cooper would not promptly respond to my emails asking them for an explanation for my account issues ( why I had no payment due in XXXX ), the second unauthorized deduction, and the overdraft fee that they are wrongfully charging me ; instead, I receive vague responses after about two weeks, which is ridiculous. I have documentation of my emails to Mr. Cooper, as well as my bank 's resolution and proof that the payment was deducted twice. 

Here is my last email to Mr. Cooper Can Mr. Cooper please reconsider and reverse the fee? I didn't willfully make a second payment, which is why I sought out a dispute. I hope Mr. Cooper considers the impact that such fees have on buyers. 

There seems to be a misunderstanding of what happened. 

My first payment was posted on XXXX, and the second erroneous payment was posted on XXXX. The insufficient funds fee should be waived because the second deduction should never have been made in the first place. This payment was not made by me and was somehow made in error. 

The fee exists because somehow, payment was taken from my account twice. I inquired as to why I did not have a payment until XXXX as I knew one would be due in XXXX, and nobody could give me an answer. To my surprise, I discovered the payment was taken from my account, and I did not authorize this action. 

The payment that was reversed was an unauthorized payment posted on XX/XX/XXXX that was somehow taken from my account. I ask Mr. Cooper to please explain why the second payment was made on XXXX when the payment posted on XXXX went through in full? 

Can Mr. Cooper please consider reversing the insufficient fund 's fee?
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MI)

EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.
Consumer complaint received 2019-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I made a purchase of merchandise costing {$500.00} and was told to send the money via XXXX on XX/XX/2019. Once this was done and verified the recipient was unreachable. I called my bank and they informed me that there was nothing that they could do And told me to contact XXXX. They said that we could do a dispute but there was no guarantee that it would go in my favor.
Consumer complaint received 2019-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Had an issue in an application I used. The developer for the application refused to help me with my issues. Called my bank to get my money invested back. Wells fargo claims department credited my account with funds then took them back. I have been contacting the claims department regarding my issue and they always tell me to re send in documentation. I have sent in my documentation 4 different times, ( each with a 48 hour waiting period ) and now my finances are spiraling downhill. The bank also took my VA  XXXX pay because of the negative balance I incurred from them taking the money back.
Consumer complaint received 2021-02-25
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: Capital Accounts, LLC (GA)

On XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX # / added a demography credit Report per XXXX XXXX.Upon research this account was sold/Transferred and I am no longer Responsible for this account. Creditor did not verify this Account. Also there was no form of written communication Or signature for this Debt at all. A bill without a signature does not validate The debt anybody Can send a bill to say is mine. According to FCRA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 2 have violated my rights As a consumer and I am Requesting legal action to have this removed immediately.