davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank NA, after having subjected me through a long & detailed application & qualifying processes, has finally & officially approved the Chase Ink Business Cash Credit card & physically sent to me, as attached. 
However, when I use the card, I was informed that the chase bank staff had unilaterally locked the credit card & close my account without my knowledge & conscient. In fact, the Chase bank staff has committed a gross mistake & error of locking & closing of my credit card n its account, after it has been officially approved by Chase Bank n sent to me. In no uncertain terms, I did not inform Chase to close my Credit Card whatsoever!!!
Consumer complaint received 2019-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WV)

Contacted Navient as I was placed on XXXX XXXX in support of XXXX XXXX with the XXXX XXXX XX/XX/2018. Navient has harassed my children former spouse elderly and XXXX parents and my sister 's. They have called over 100 times. I have contacted Navient and was told if I pay them XXXX ASAP they will clear the Loa s and Mark paid In full. I have submitted military XXXX  and the amended extension  which Navientsaid they never received. I told Navient with Being on XXXX  how was I suppose to get that amount of funds as I am on military XXXX. Navient told me to borrow the money from my family. I tried telling them the .oans shoj , d have been placed under protection while I am on XXXX XXXX XXXX. I pleaded with them to please not call my family as when they get a call and hear my name they assume the worse and something had happened to me. Please assist and advise. Navient told me they can resort to any means they see fit to get a hold of me and regardless if pay me d 's are Being made the payments are not the full payment amount that if I bad a car I would owe a certain amount so I need to pay.
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the Fair Credit Reporting act 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.

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 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (NC)

this is a response to exeter finance who stated i said i stated that the account is fraudulent. however, i did not say this. in the email i sent them, i stated : " to whom it may concern, i will need my loan and account closed. i was the victim of fraud and identity theft, someone went around using my social security number without my knowledge and consent. my account number is XXXX my name is XXXX XXXX XXXX my social security number is XXXX i want you to report to credit bureaus about this to remove account information, i do not want to take any chances with this. please do so, thanks. and please come and get your vehicle that was financed. i had to file a police report and i have filed an ftc id theft report as well. thanks '' i stated i did not want to take any chances on this with my ssn being used without my consent. this is why i reported your company to the NC DOJ recently because of stuff like this. i fought hard for this country and you should do something about this account and vehicle. i surely hope you get your business shut down by the NC DOJ because of this kind of stuff. thanks
Consumer complaint received 2022-10-12
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (PA)

When I started college in XX/XX/XXXX XXXX XXXX was the biggest lender out there to provide assistance. Fast forward to XX/XX/XXXX when I graduated my repayment was over {$900.00} more than my pay check was every two weeks. I went back to school because that was the only option I had until I could figure out how to pay my loans. I graduated with a XXXX degree. My payments kicked back in and my payment was {$980.00}. I do not know what world these student loan lenders get their interest rate, but no one realistically can pay {$980.00} and still survive. I called them and told them my situation, which was I was pretty much living off {$20.00} after paying all my bills. They told me because I made the payment of {$980.00} in XX/XX/XXXX and XX/XX/XXXX that they would not help me because it looks like I can pay my payments. I had to put bills in other people 's names because I could not support myself. In XX/XX/XXXX, I let my account fall behind because XXXX XXXX is to call you about the past due within 5 days. 5 days went by and I had to call them. WednesdayXX/XX/XXXX, I called and spoke to a financial adviser about what my options could be. After going through a million questions about mine and my co-signers income, XXXX XXXX offered me an extended repayment program at 2 % interest rate and a payment of {$340.00} a month. Both parties agreed on these terms. They sent me a letter in the mail stating what the terms were. I was put into a qualifying period for XX/XX/XXXX and XX/XX/XXXX to make sure i could pay the payment due, which is an automated debit every month. I made the XX/XX/XXXX payment no one called from XXXX XXXX to say my account was past due. I made my XX/XX/XXXX payment and XXXX XXXX who agreed to these terms with myself and my co-signer, called my co-signer 8 times to try and get her to pay {$1800.00}. Not happening. They called me and I spoke with them they wanted me to pay {$2000.00}. I the customer told them about the terms which I agreed to with XXXX XXXX and they told me that there was no note on my account saying I was in any type of extended repayment. If they continue to call I am not returning a single call nor will my co-signer. I stated on the phone with them I nor my co-signer will not be calling them back to continuously get worked up over the lack of communication this company has with its customers, but also within the company itself. XXXX XXXX will forever make you regret that college was ever an option to better yourself and make a difference in the world.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

Im XXXX, I requested all of the payments I made on my student loan to be refunded, along with many others. I was later sent an email stating the request was denied. I called them to clear it up and they stated that the request was submitted and it would take 4-6 weeks and that I would later get an email stating that the request was approved. As we are approaching XXXX weeks, I have called to check the status and there were no changes. My loan is still showing as paid off and every time Ive spoken to a representative, they have all given very different information and nothing is clear from how the payments will be refunded to the communication from Nelnet representatives, etc. others have received their refunds also with little communication from Nelnet. Their balances were reinstated before they received their refund and nearly XXXX weeks later my balance still shows no change. When I call for status updates, they act flustered and do not want to deal with it, hence why no information given is clear and I am perpetually confused about what is going on with my refund.
Consumer complaint received 2019-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank received my mobile deposit on XX/XX/XXXX they hold ck which is fine, XX/XX/XXXX available balance check cleared, I am at Chase trying to get money from ATM and they have restricted my acct on the possibility that check will bounce I have no neg history never have had history of neg at all with them. Yet I deposited a ck and my acct is placed on hold. I spoke to 3 ppl one says check funds will be available when my acct is off restriction next guy says he can't guarantee but check will be returned tonight last guy says my funds aren't available and they haven't received check back 5 days and they show available funds but funds aren't because acct is on restriction.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

I was scammed out of {$3500.00} through XXXX by a person representing US Bank. This occurred XX/XX/2022. I have contacted US Bank with zero help and have read that most banks now are not issuing refunds for XXXX XXXX.
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

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. I appreciate your recent investigation of my credit report. However, you are continuing to report inaccurate information on my credit report. Please provide me with the specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using XXXX  or XXXX  is improper validation and a violation of FCRA. The absence of a method of verification FCRA 611 and validating dept ownership via a third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitutes proper debt validation. 

Original creditor : XXXX
Consumer complaint received 2022-10-12
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. (CA)

My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open one of my accounts because I had two. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is transunions does not require creditors to show proof that it's my account, because if they did it would have been taken off. They've been reporting it for 3 years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on my XXXX credit report it says that month XX/XX/2020 that I was delinquent 90 days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is ( XXXX ) has the right account number and it's showing that I paid {$250.00} Wich was my balance on {$300.00} limit not like the {$700.00} limit they've been reporting delinquent every month for over 2 years.
Consumer complaint received 2022-10-12
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: WELLS FARGO & COMPANY (FL)

This is the XXXX times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (MI)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

Initially called on XX/XX/2022 to request a refund on eligible loan payments. The service lady mentioned all three payments and assured me the refund request for all three would be submitted and my original loan balance reinstated. 
On XX/XX/2022 I finally saw movement in my account but realized only one payment was removed and the balance for the payment of {$5500.00} was reinstated. It is now XX/XX/2022 and I have yet to see anymore payments being removed from my account. I called on XX/XX/2022 to see if there were any updates and the service lady could not see anything more than the refund being processed, she could not tell me whether or not all payment refunds were requested. I asked her to submit another request for the remaining two payments but I am unable to wait another XXXX weeks just to get the rest of my money back.
Consumer complaint received 2021-08-20
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. (CO)

XXXX XXXX fraudulently inquired regarding my credit for a fraudulent mortgage lender " XXXX ''. The company did not receive my permission to run my credit in the span of the 10 months that they attempted to provide me with a fraudulent and predatory loan.
Consumer complaint received 2022-10-12
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: VW Credit, Inc (CA)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX, VW CREDIT INC XXXX  Date Opened : XX/XX/2016 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-08-20
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: CBC Companies, Inc. (CO)

Factual data fraudulently inquired regarding my credit for a fraudulent mortgage lender " XXXX ''. The company did not receive my permission to run my credit in the span of the 10 months that they attempted to provide me with a fraudulent and predatory loan.
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-12
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  CT XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2022.