davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (KS)

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. The XXXX  XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.
Consumer complaint received 2020-03-01
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: Navient Solutions, LLC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/NAVIENT  XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (MA)

After applying for a personal loan at Discover Card personal loans, I was provisionally approved upon receipt of certain documents : Drivers License, SS card, and 3 months of bank statements. 
Upon learning they wanted bank statements for such a relatively small loan, I called and asked a Discover agent if that meant including transactions and he said yes. And he reiterated not to leave anything out and to include ALL pages. That means Discover would have information to THREE months worth of private, personal transactions that could include : Co-pays to Dr 's offices ( which is a violation of HIPPA ) showing the name of the doctor and specialty Co-pays to pharmacies Where I shop and for what Where I visit and/or travel Memberships and/or clubs/gyms I belong to Subscriptions My cell phone provider ( So they can sell my info to the competition? ) Any personal transactions that are between me and a company, including the amount They essentially want everything I've used my Debit bank card for in the past three months. When I told the Discover card agent that this was incredibly invasive for such a small loan, he just reiterated to not leave any pages out of my bank statement. 
Keep in mind I have very good credit. And I don't trust a CC company to NOT sell my information or use it to their benefit. They're always changing the user agreements and most times you have no idea what they've actually changed. 
This is egregious behavior and abuse of authority. What do they need all that info for? Are they using it to build profiles of the thousands of people applying for their loans? Creating a database of people 's private information, including medical? Selling it to third parties? Storing the information in a computer that could get hacked? 
I even asked if it was OK just to show inflow and outflow and the agent said NO, we want it all. I was flabbergasted. I'm not applying for a mortgage. This is an under $ XXXX loan to pay off high-interest credit cards. 
Someone needs to look into Discover Card personal loans as I'm not the only one. According to the agent, they request that of everyone. Imagine all the info they now have on Americans.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Consumer complaint received 2022-09-14
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-12
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-09-14
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. (MO)

I am submitting this CFPB complaint to follow up the previous complaints I submitted with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} IXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Consumer complaint received 2016-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

For many years i have been paying a fixed amount monthly for student loans. Recently Navient, the loan servicer, reduced the amount by approximately {$50.00} each month. Prior to the random decrease from {$590.00} to {$550.00} the amount applied monthly to principle was more than that applied to interest. After the $ 50 monthly payment decrease i am now paying more interest monthly than principle. I did not request or ask for a change in monthly amount nor was i informed of the change. There is no explanation for these actions except to extend time the loan will be in repayment. This complaint is in regards to the actions describe above and to shed light on this practice.
Consumer complaint received 2016-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DE)

, NAVIENT, refuse to remove damaging CREDIT REPORTING information despite receiving BANKRUPTCY documentation that the debt has been Discharged/Set-off/Charged off. NEGATIVELY impacting credit report and violation of FDCPA, FCRA.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my bank of america account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I defaultedt on my private student loans with and Navient in 2012. Since then I 've made payment arrangements with their collection agency XXXX and I 've made every payment on time since 2012 according to our agreement. The unfortunate part is as long as I owe them, my loans will stay in default. these defaulted loans will continue to impact my credit until I pay them off in full which negatively affects my buying power. XXXX has ruined my family life and navient has not helped me with any other options to better my situation. I still owe over 40k and I 'm told I will remain in default until the loans are paid in full. This is a lifetime punishment as I 've already been in default for 8 years. It 's ashame I had to default for the collection agency to work with me and give me a reasonable agreement because Navient would not.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

XX/XX/2022. Request for validation letters were sent to Equifax in regards to fraudulent accounts listed on consumer report. They accounts that were listed came back as verified without any proper documentation and they rest of the accounts listed were completely ignored and remained on report. The FCRA gives specific and clear guidelines and Equifax chose to not comply by not responding at all and refurnishing this false information on my report. 

XX/XX/2022. Another attempt to resolve these issues were made and again there was no response, and the listed accounts were again refurnished. 

XX/XX/2022. Again another attempt was made to resolve. Ignored, no response and accounts updated as verified. 

I have attempted to solve these issues for over a year. Equifax completely violated my rights as a consumer and broken several federally regulated laws.
Consumer complaint received 2016-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I received a response to compliant # XXXX where the student loan provider 's response was that they could not reduce my payments. I received a call from the collection department on XXXX/XXXX/16 and the agent stated the he would try to help me arrange monthly payment arrangements. The terms were that I make the first payment via my checking account of {$130.00} on XXXX XXXX, 2016 - no payment due in XXXX - regular payments to start on XXXX XXXX, 2016 ( {$130.00} ) I agreed to these term and signed this agreement via pressing the # key on my telephone keypad. Later that evening, I received a call from the same agent ( XXXX ) stating that I must agree to another agreement, whereas I would now have to make a payment in XXXX in addition to the payments I agreed to earlier that day. I want to file another complaint against Navient Solution. Each time an agent calls me, I receive different terms for my student loan. I feel I should n't have to agree to another agreement, if I electronically signed the terms I agreed with earlier that day.
Consumer complaint received 2016-10-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (FL)

My husband, father and I are being harassed by XXXX from Pioneer Credit Recovery. The phone number is XXXX. 

The person is trying to find someone else -- someone who does n't and never has lived with us. The continually call and leave messages on our home number and cell phones.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

I would like to have my loan dismissed. My previous school XXXX I attended before returning to school for a XXXX degree is no longer open and I should not have to continue making payments. These payments were consolidated into XXXX loan along with my schooling for XXXX. I believe this loan should be dismissed all together or forgiven.
Consumer complaint received 2022-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I told this company to cease all communication. but this company is still showing on my report I know that consumer law cease of communication also meant to stop the communication of whats being reported on my consumer report. Stop communicating on All MEDIUMS DIRECTLY AND INDIRECTLY.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (TN)

I have dispute a tax lien multiple times with XXXX that do n't belong to me, they remove the tax lien multiple times and wait a long period of time then the tax lien is back on my credit file. I asked XXXX to validate the information they have n't.
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I submitted a previous claim with this company due to the inability to assist me in lowring my payments. since my previous claim was closed I would like to start a new forrnefor misinformation given about my extended repayment payment. I was advised it would be XXXX @ 284 months 1 payment at XXXX 1 payment at XXXX XXXX payment at XXXX and my last payment would be XXXX for a total of 300 payments. I looked at my statement last week and its now upto XXXX dollars a month which I can not afford. can you please look into this thanks
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (FL)

My credit report currently shows account # XXXX from AArgon Collection Agency for the amount of {$180.00}. I called XXXX XXXX XXXX, the original creditor, and they told me they billed the wrong way initially and just resubmitted the bill correctly. I had Veterans insurance at the time of service and I was told they are billing them but it can take some time for the VA to respond and issue payment. However payment is pending. My personal credit shouldn't be damaged because the VA takes a long time to process payment.
Consumer complaint received 2015-09-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX of XXXX, XXXX, Tx ... XXXX XXXX aka Navient..the most popular student loan company ... they are HORRIBLE. They take your payment and apply it to whatever they want, not to the loan YOU want it to be applied to. Your loan may be for {$2000.00}, but in year, will be over {$3000.00} because they do not apply the payments correctly. Your {$200.00} payment is going on XXXX different loans but you think it 's going towards that {$2000.00} loan. This is how interest grows and so does the amount of your loan. The people you call and talk to on the phone ... worthless.
Consumer complaint received 2022-10-29
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!
Consumer complaint received 2021-11-12
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NC)

My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to XXXXCare CreditXXXX XXXX on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.
Consumer complaint received 2022-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

In XXXX of XXXX, US Bank Home Mortgage agreed to modify my mortgage related to the XXXX act. They agreed to a new loan term, interest rate and " forgiveness '' of the interest charges during the COVID forbearance period. They sent a legal loan modification agreement by mail. I received this document on XX/XX/2022. Per the instructions, I took the document to my bank and they notarized my signatures. I sent the document along with the required payment ( due on XX/XX/XXXX ) next day air on the morning of XX/XX/XXXX. 

I called US Bank to let them know the document is in transit. After many representatives and 2 hours on the phone, I am being told that they will reject the agreement due to the document not being received by XX/XX/XXXX. They then tried to get me to agree to a different loan modification agreement that adds {$10000.00} and a 1.25 % higher interest rate to the loan modification, which is more than my current rate. I was obviously very upset after this interaction. Fortunately I had made a copy of the packet. I re-read the cover letter of the contract which includes the term, rate, and payment due and it clearly states I have 30 days from receipt to return the loan modification agreement, which is dated for XX/XX/XXXX. Even using the date of the letter and ignoring the actual date of receipt, I am clearly within this 30 day window. The current world situation is stressful enough without being scammed by your mortgage lender. The last terse conversation I had with US bank, I was told categorically by a supervisor that " NO ONE in the entire company '' of US Bank will be able to honor the original agreement. I would also like to point out that this is a Government backed FHA loan, this is my primary residence and I have been in the home for 12 years. 

I have uploaded the cover page of the document showing the date of the letter ( XX/XX/XXXX ) and the XXXX " calendar day '' window to complete the paperwork which would be XX/XX/2022.
Consumer complaint received 2020-02-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (CA)

I had made a payment agreement with D2 Management, LLC and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

My bank account with Wells Fargo was accessed and funds stolen by a unknown individual/ group. A police report was filed and Wells Fargo was notified as soon as I noticed the issue. 

Wells Fargo has returned roughly {$900.00}, but is refusing to return ~ {$1500.00}. They also allowed additional pending transactions to go through after being notified of the fraud, then charged overdraft fees. Wells Fargo has been grossly negligent in detecting fraud, safe guarding money in my account and handling this fraud in a responsible manner. Suitable solution to this issue will be to cancel all overdraft fees and return the money they were responsible to safe guard.