davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IL)

Navient was sued by XXXX XXXX XXXX across the nation and they stated they would cancel the debt of the loans that had defaulted based on certain criteria laid out in the finalized agreement with the court. I received a response from Navient that unfortunately while I met all the criteria for student loan cancellation, my loans were not on the list of for profit universities through my CFPB complaint. The CFPB closed the case. However I stated I fall under Category 3 Non traditional Private loans below : Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after 2002. Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX  score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. Please see page 42 on the consent order that Navient signed under Category XXXX Criteria for non traditional private educational loans. 

Navient has done nothing to cancel my defaulted loans, and refuse to cooperate and instead believe I do not qualify while simultaneously acknowledging that the loans have been past due and delinquent for years and say they do not understand because when I forwarded them the signed agreement the representatives believe I should have the loans cancelled. 

I do qualify for the debt cancellation for every tuition answer loan that was taken out. I under the Category 3 Criteria non traditional private educational loans. I had a XXXX score under 640, tuition answer loan XXXX, to attend a not for profit educational institution. 

I asked Navient to respond to my request and they sent a letter that I attached below from XXXX XXXX an advocate for Navient. 

I requested to show proof that my XXXX  score was above 640 at the time of origination and they stated they would research the information. However, since they already made this decision wouldn't they have proof that my XXXX score was above 640 considering they sent this letter stating I didn't qualify. 

The facts present that my XXXX score could not have been above 640 at time of origination because I had to have a cosigner. 

Navient is not cancelling the loans as they have stated they would do with the Multi State GA agreement. 

I qualify because my XXXX score was under 640 at time of origination, under the order of the court. 

I have attached all correspondence from Navient and myself. Also, I have attached the XXXX XXXX agreement. Please see page 42 under Category XXXX private loan cancellation.
Consumer complaint received 2022-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I consolidated my student loans back in XXXX and my loan servicer is Navient. My beginning principal was {$190000.00} and I was informed my interest rate was fixed at 2.875 % for 30 years. I have been diligently paying my student loans having never missed a single payment. But I was informed this week that Navient has been incorrectly applying an interest rate of 3.125 %! This difference amounts to several tens of thousands of dollars in additional interest that I was erroneously charged that was never applied to my principal! I called customer service on XX/XX/XXXX and the representative XXXX said Navient has no intentions to do anything about this.
Consumer complaint received 2022-06-27
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. (CA)

I am XXXX XXXX and I am submitting this complaint on behalf of myself, there is no third party involved. 

On XX/XX/2021 EQUIFAX INFORMATION SERVICES LLC obtained my consumer report and file without a permissible purpose. EQUIFAX INFORMATION SERVICES LLC is also reporting unauthorized inquiries on my consumer report.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Consumer complaint received 2022-09-20
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: Credit Karma (TX)

Credit Karma presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with XXXX XXXX but I did not give permission to pull my credit report. Credit Karma did the same with credit card offers guaranteeing approval which was incorrect. 
On XX/XX/2022, I lifted the freeze on my XXXX report for another company and XXXX XXXX pulled my credit while unfrozen XX/XX/2022. Credit Karma and XXXX XXXX must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX XXXX XXXX  Late Date XXXX
Consumer complaint received 2022-06-27
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. (AR)

Account- XXXX XXXX XXXX Account XXXX XXXX XXXX This company is in violation of two laws. The first one is 15 US code 6802. Within the law it clearly states that a any financial institution who lends money to a consumer must give the consumer an option to opt out of their personal non-public information being reported to any third party affiliates. I the consumer was never giving that option. 

The second violation is 15 US Code 1681. 15 US code 1681states any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have never gave written instructions to to any consumer report any of my information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (DE)

I am writing to dispute a charge of {$2800.00} to my credit card account on XX/XX/2022. The charge is in error because I do not remember this charge, but it is listed as a taxi. We were on vacation during this time and did take taxis but no taxi ride totaled more than {$25.00} during our vacation. At worst, this is a fraudulent charge. At best, this is a severe overcharge. 

I filed this a fraudulent charge but was told it was verified as valid. I asked how they determined this and they said they did nothing but verify charges before and after. XXXX, a said supervisor, told me that he was not going to investigate the charge anymore and did not care about me. I asked to speak to his manager and was told that I would get a call from them but that never happened. You need to revue my account and fire XXXX his customer service is not the kind of person you want on your team. XXXX told me that there was no effort to contact the vendor nor was there any verification done on Chases part. This is an extremely large charge made out of the country I was visiting XXXX and I was in XXXX, XXXX. No flag was done nor notification for verification was made to me. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Consumer complaint received 2022-06-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting act 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-29
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. (IL)

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 filing a legal complaint against you!
Consumer complaint received 2022-06-07
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  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 2022-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (GA)

I never received notification concerning this debt. I have never been treated or seen by this medical company. I dispute the validity of this debt in its entirety. In addition to this I was never notified that this debt would be attached to my credit file which is against the FCRA laws.
Consumer complaint received 2022-06-27
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. (CO)

I sent a letter to all XXXX credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.
Consumer complaint received 2022-11-29
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. (NJ)

Shared with out consent, credit inquiries from unknown soucres when to purchase a vehicle. i was inform that my credit is going to be ran once. not buy multiple lenders.. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on XXXX Equifax and XXXX be removed. I have the right to Privacy and these 3 companies have tarnished my hood standing.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Selene Holdings LLC (FL)

As of yesterday I have made another attempt to show proof to Selene with no help or resolution. I am attaching the files to show that I have never been late and I have made extra payments when they call me to harass me about my payments being late. The payment in XXXX will show proof that Selene processed my check on the XXXX but did not deposit until XXXX. Someone is Selene is responsible for not doing there job and I have take the fall of their error. XX/XX/2022 is when they are saying i was late. Also if that was the case then you would see that i have made 3 extra payment to stay ahead and I somehow seem to still be falling behind.
Consumer complaint received 2022-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AL)

The Money XXXX is my mortgage servicer. My bank, XXXX sends the payment every month by check. 

The money XXXX called me asking me to make a payment. Last month the payments was received and processing the same day the money XXXX called me. 

This month, XX/XX/2022, XXXX sent the check on XX/XX/XXXX. It is now the XXXX, and the money XXXX says they do not have it. 

I asked if the rep could see processing payments. He said yes. So I asked why I was called last month. No answer. 

This mortgage servicer can delay mailed payments with impunity and collect late fees. XXXX put a tracer on this month 's payment. 

Respectfully submitted XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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)

In 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions In 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions In 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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-27
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. (UT)

In accordance with the fair Credit reporting act XXXX  Account # XXXX : XXXX XXXX, XXXXXXXX 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 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 customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-20
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. (FL)

I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX XXXX. However I'm looking at my credit report I see over 13 hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.