davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

ON XX/XX/XXXX I was given counsel by Navient representative to consolidate my student loans through Direct Loan Program because my student loans would not be forgiven even though I met the qualifications for public service loan forgiveness during the loan period. I was told by Navient ( aka XXXX XXXX ) in XX/XX/XXXX that my loan would be forgiven in XX/XX/XXXX. Therefor, I did as they suggested an completed the Direct Loan Consolidation so that my loans would qualify ( yet again ) for Public Service loan forgiveness. 

On XX/XX/XXXX I submitted my application for consolidation. During that process, it allowed me to complete the Income Based Repayment plan as a part of the process in which I submitted ALL documentation during that session. 

I was also told to submit my normal IBR application for the original loans that was held by Navient. On XX/XX/XXXX I submitted my normal renewal for the IBR. 

On XX/XX/XXXX I contacted Navient because I had not received any notification of the status of my Consolidation nor my XXXX. I was told at the time that everything was still in process, and that i was given a 30 day Forbearance so that they would have time to process the consolidation and XXXX without penalizing me. 


On XX/XX/XXXX I get a letter in the mail that stated that My loan is due for full repayment within 9 days ( XX/XX/XXXX ). 

On XX/XX/XXXX I contacted Navient. I spoke with XXXX ID # XXXX. She looked into the issue and noticed that ALL my paper work for the consolidation was completed, but for some ODD reason the IBR was not processed, no one in Navient took any action to process it. She stated that all teh IBR documents were present. And that there was no known reason why my IBR should have not been processed. I expressed to her that Navient has a vendetta against me personally because I keep reporting and complaining about how they treat XXXX Americans conservative XXXX. They intentionally mess up my paper work to cause undo hardship and stress upon my life. 

The rep stated that she would expedite the IBR application and would send an email out at that moment as proof of our conversation. I never got the email. She also stated that the expedition would take until XX/XX/XXXX. However I explain to her that the forbearance ends XX/XX/XXXX. I told her that Navient would find a way to penalize me for this issue that was NOT my fault. I also told her that everytime I talk  to someone at Navient, each rep tells me something different about my account situation. 

These people have been lying to me for years. Please help me resolve this issue.
Consumer complaint received 2021-06-24
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: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I purchased a XXXX " XXXX '' from XXXX, along with this, I also acquired a protection plan named " XXXX XXXX, that replaces this unit in case of accidents. Few days later, I received a DEFECTIVE unit from XXXX. Clearly, this unit didnt fly due to software issues. I spent the following months trying to resolve this issue with the vendor, who keeps their contact information hidden to avoid written communication. 
Regardless of my multiple communications with XXXX, and despite the fact that XXXX verified that the drone didnt work, they insisted on trying to repair or replace my drone with a used unit. I rejected both options because I paid for a brand-new unit and not a refurbished one. I even contacted XXXX Head Quarters in XXXX directly. After months of calling XXXX, customer service started hanging the phone on me every time I called. 
In XX/XX/XXXX, I finally contacted my Credit Card ( Visa Chase ) requesting a full refund for this transaction. Sadly, the Credit Resolution team at Chase failed to understand the problem, and mistakenly processed this investigation as a returned product and rejected my claim. I immediately called Chase to explain the situation and provided copy of my communications with the vendors. I told Chase that the vendor sold a defective product, and I was requesting a refund. 
In XX/XX/XXXX, after 7 months of my claim, I received an mail from Chase saying that they couldnt prove my communication with the vendor and rejected my dispute.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX XXXX  Account # XXXX XXXX XXXX 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.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harvard Collections, LLC (IL)

Harvard Collections Per IL DEPARTMENT OF HUMAN SERVICE is  attempting to collect {$3200.00} from an account open XX/XX/18 from fraudulent services used to collect XXXX XXXX in my name i was never contacted but them until now i report this and no one has responded
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Moss Law Firm, P.C. (TX)

I reached a judgment agreement in XX/XX/XXXX regarding a XXXX credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XXXX of XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XXXX of XXXX and the balance was {$13000.00} ( I  believe ). On XXXX of XXXX, I asked the lawyer I had hired to reach out to Moss Law Firm and request a reprieve for a few months, because my son 's father had died in XXXX of XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to Moss Law Firm, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called Moss Law Firm, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to XXXX, I do not believe in the few short minutes they put me on hold they had any communication with XXXX regarding this issue. Since XXXX hired this outside attorney, I believe their collections practices are egregious.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized inquiries on my TransUnion Credit Report made by the following companies : XXXX XXXX, Inquiry date XX/XX/year> XXXX XXXX, Inquiry date XX/XX/year>, XXXX XXXX, Inquiry date XX/XX/year> 2024
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Accounts Account # XXXX XXXX Account # XXXX XXXX XXXX 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.
Consumer complaint received 2022-01-19
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. (LA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-19
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: EQUIFAX, INC. (LA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-10-15
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. (TX)

I have contacted Experian numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (NC)

The loan was only for {$650.00} and if I pay it off by XX/XX/2018, I will have paid them {$1600.00}. This is insane and unfair, when I only borrowed {$650.00}. Their solution is the earlier I pay back the loan the less I will have to pay back in interest rate, is what they said.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (AL)

I HAVE ATTEMPTED TO CALL SAGESTREAM CREDIT REPORTING COMPANY FOR 2 DAYS, AND IT GOES DIRECTY TO VOICE MAIL WHEN YOU ENTER OPTION 1. I XXXX THE COMPANY AND ITS ON " RIP OFF '' WEBSITE, THEREFORE I AM NOT SENDING REQUIRED INFORMATION TO THE COMPANY AND NEED TO SPEAK WITH SOMEONE ABOUT AN ERROR ON THE REPORT THEY HAVE. I ALSO XXXX  THAT THEY HAVE LESS THAN 25 EMPLOYEES?? HOW COULD THAT BE WHEN THEY PROVIDE REPORTS FOR DIFFERENT COMPANIES ALL OVER THE COUNTRY. THEY HAVE 89 COMPLAINTS SENT TO THE XXXX  IN CALIFORNIA. WHEN YOU CALL THERE IS NO OPTION TO WAIT FOR THE NEXT REPRESENTATIVE. I HAVE A VERY BUSY SCHEDULE AND DONT WANT TO BE CALLED BACK AT THEIR CONVIENCE, I NEED TO CALL THEM AT MY CONVIENCE DURING THEIR BUSINESS HOURS. I WANT THE CFPB TO CALL THE NUMBER OF THE BUSINESS AND THE ATTORNEY GENERAL OF CALIFORNIA AND SEE IF THEY CAN TALK TO A REPRESENTATIVE. IF THE COMPANY CAN NOT STAFF THE PHONES PROPERLY, THEY SHOULD NOT BE LICENSED TO BE A CREDIT REPORTING AGENCY THAT CUSTOMERS NEED TO CONTACT. OR ATLEAST ADD THE OPTION FOR THE CUSTOMER TO WAIT ON NEXT REPRESENTATIVE. IM SURE NUMEROUS CUSTOMER CALL AND WOULD LIKE THE PROBLEM RESOLVED ON FIRST CONTACT.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (TX)

Submitted application for Barclay 's XXXX XXXX XXXX card in Fall XXXX. Received request from Barclay 's to call in to provide information about XXXX and other business information. Called and provided all information to Barclay 's. Never heard back from Barclay 's and they pulled a hard pull on credit with no notification they had done so, what the results were ( my credit is good ), and never heard on if I was approved or denied the card. Now its XX/XX/XXXX.
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

I reached a judgment agreement in XX/XX/XXXX regarding a Citibank credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XX/XX/XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XX/XX/XXXX and the balance was {$13000.00} ( I believe ). On XX/XX/XXXX, I asked the lawyer I had hired to reach out to XXXX XXXX XXXX and request a reprieve for a few months, because my son 's father had died in XX/XX/XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to XXXX XXXX XXXX, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called XXXX XXXX XXXX, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to Citibank, I do not believe in the few short minutes they put me on hold they had any communication with Citibank regarding this issue. Since Citibank hired this outside attorney, I believe their collections practices are egregious.
Consumer complaint received 2021-03-30
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: MicroBilt / PRBC (formerly CL Verify) (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX Inquired on XXXX  XXXX, XXXX  XXXX Inquired on XX/XX/2019, XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired on XXXX  XXXX, XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - [ ]
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2021-06-09
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: Bread Financial Holdings, Inc. (NY)

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my COMENITY BANK/VICTORIA SECRET credit card ending in XXXX. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX XXXX XXXX, and COMENITY BANK/VICTORIA SECRET are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life. 

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Consumer complaint received 2022-05-03
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. (OH)

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # s in the attachments below.

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts.

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2018-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I closed my Citibank account in XX/XX/XXXX because I find their online portal to be unhelpful. I was issued a {$35.00} refund to my account after closing it, and Citi told me they would mail me a check in that amount. It is now XX/XX/XXXX and it has never arrived. i just called today and they are apparently looking into the issue, but " do not know what has happened. '' While the amount is small, I want my refund as a matter of principle and because the company is so disastrous overall in terms of customer service. 

I closed my account after being unable to use my card multiple times, and constantly being locked out. XXXX XXXX and XXXX are both much easier options, as well as XXXX.