davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I had a Sallie Mae loan in XXXX. I went to XXXX XXXX. For one Quarter and I was asked to leave. 
I than enlisted in the XXXX and went to XXXX XXXX in XXXX of XXXX and served until XXXX. I got out and c went to XXXX XXXX on my XXXX XXXXXXXX. From XXXX until the present. My loan shifted hands three times and is been Navient for some time. Ive had like five tax refunds given to pay them and yet my balance is like XXXX for one and XXXX for another. So XXXX. My tax refunds added up to more than that Plus I went there for like a quarter maybe 38 years ago. And as I was looking into buying a home they pop back up in like XXXX. At which maybe my balance was maybe XXXX for both. I dont even know to be honest its 38 years ago I thought they took there money from my tax returns. But when buying my house they got me to do income based. Probably in XXXX after my wife was killed they found me I do not believe I owe them. I believe Sallie Mae or other company got their money from my federal income tax refunds. Its XXXX and after my wife was killed I started to try and get credit and build my score. I did and than Covid took that work away and companys like Navient didnt help They scare or trick me into deferments but I dont even think I ever signed anything now Im working on fixing the mess from Covid and this is the first lender that I believe has already been repaid or the seven year debt has long past. So if you cant help me. Im a veteran of the United States XXXX XXXX. I served in XXXX XXXX went into XXXX and Im 50 % XXXX from XXXX. I just now returning to normal working hours since Covid. During which I worked 3 months XXXX months and just could pay anyone. So any bit of guidance wil be appreciated. 

Thank you XXXX XXXX
Consumer complaint received 2022-04-28
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. (NV)

Your company provided the following information on my credit report and want it removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO. (IL)

On the day from XX/XX/XXXX chase bank banned for life and closed my checking account with them, after I transfer XXXX dollars from the its to my joint account in XXXX XXXX, that I have with my husband, I tried to present the documents and tell them where the money came from because I got married last year and I haven't been working because my husband takes care of my so my XXXX  was having an amount of XXXX each month of expenses they tread me poorly and I think they even made this desicion because I'm a foreign person but I have the right to have and account because I came to the United States as XXXX and not ilegal or anything I can proof my identity I can proof where they money come from but they just banned for life over a transfer that was the money for the its, they didn't even let me explain and ended their relationship with me
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-10-28
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. (TN)

XXXX XXXX XXXX are attempting to collect a debt from consumers and XXXX XXXX XXXX without a license to do so in the state of Tennessee. 


This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692o XXXX XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX Branches : XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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. (IN)

Error not corrected! - XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no lates, no past due, no charge off. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information of credit card account even though they have been property notified 3 times now.
Consumer complaint received 2022-10-28
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 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 card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

Discover stated they issue a XXXX form in XXXX tax year. Never received document. Also, I want a letter stating the XXXX was issue. I can't be sue for the debt on the time barring account and also its uncollectible. Lastly I notice their a soft inquires every month. Why is this? 


I called the number provided. 


Discover stated before : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Re : Discover card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX, XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ) . To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We appreciate you bringing your concerns to our attention. We are unable to confirm the events as you have described them in your correspondence to the CFPB. According to our records, your account charged off with a balance of {$5200.00} on XX/XX/XXXX due to non-payment. We do not have any record of you contacting us since the account charged off to request settlement options. Our attempts to collect the unpaid balance were unsuccessful. We are required by the Internal Revenue Service to issue a XXXX tax document on any balance greater than {$600.00} that we have determined to be uncollectible ; therefore, a tax document was issued to you for the XXXX tax year. We can not provide you with tax advice. If you have any questions, Discover encourages you to consult a tax adviser of your choosing. While we are no longer actively collecting on the debt, if you wish to discuss options to settle your account, please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I recently applied for a car loan and the place of business has indicated they can not find my credit report on Experian. I have contacted them several times they informed me they have two systems. One which shows no credit history and a back system that has my information. The credit union in which I am applying for the loan through says my report continues to say that I have not credit. The program they use will not access the backup Experian system. This is taking too long to fix, as this is not a problem I have caused, but one on Experian 's side. The lack of communication and not being able to proceed with the car purchase is unacceptable on there part.
Consumer complaint received 2022-04-28
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 report act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-04-28
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. (NY)

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights by reporting a duplicate account. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.
Consumer complaint received 2022-04-28
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 Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX Auto XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and 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 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (ID)

My son passed away unexpectedly last XXXX. Upon contacting AES regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the AES web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to AES for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from AES employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

XXXX telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite AES forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to AES to rectify the situation was met with the brainless response that their records do indeed show me paying late. 

AES may be on the cutting edge of automated loan administration, but their system is painfully stupid.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-04-28
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. (NJ)

I have written several letters to XXXX, XXXX and equifax to resolve this matter, and have not been notified.

Under 15 USC 1666 ( B ), there has been a violation under 15 USC 1681 ( B ) my rights have been violated.

Under these laws, my consumer rights have been violated XXXX XXXX XXXX XXXX XXXX acct XXXX
Consumer complaint received 2022-04-28
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)

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-28
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. All three Consumer Reporting Agencies ( XXXX, XXXX, and Equifax ) are violating my Federally Protected Rights. Everything has to be 100 % accurate on my Consumer Report. 
See the attached Tri-Consumer Report with Various Inaccuracies.Further, I demand each Account and each Consumer Reprting Agency to produce the Written Consent that I signed and agreed to allow them to Place ANYTHING on My Consumer Report. WITHOUT IT, THEY ARE ALL IN VIOLATION OF MY PRIVACY AND FEDERALLY PROTECTED RIGHTS Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I submitted multiple complaints with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights and costing me dearly. 

To continue reporting these Accounts after this would be another Violation. 

Willful NonCompliance 15 USC 1681n I will seek monetary relief.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

have submitted all the documentation to Equifax. 5 time over the last 4 years. I have called them I've spoken to them they refused to remove off the account even though XXXX XXXX XXXX XXXX do not have my authorization / 15 u.s.c. 1681 I have done 604 dispute many times with equifax. The reports are reporting an inaccurate are not my accounts that I request that they deleted off are the guidelines Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX guidelines 15 USC 1681 they are inaccurate and do not belong to me
Consumer complaint received 2022-04-28
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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-28
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: GOLDMAN SACHS BANK USA (GA)

In accordance with the fair credit Reporting act XXXX Apple Card Gs bank usa, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-04-28
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. (CA)

I am a customer of Chase and my credit card was used for charges without my knowledge or permission. I received a call from a guy working for XXXX asking me to renew my subscription I had with them. I agreed to renew my subscription with them and my card was going to be charged for {$1.00} to get this started. I only agreed to this charge of {$1.00} for XXXX, I did not authorize this person to use my card information to make purchases at XXXX for {$850.00}, XXXX {$7500.00}, XXXX {$10.00}, XXXX {$810.00}, and another XXXX charge of {$40.00}. I only agreed to being charged for XXXX at the price of {$1.00}. I am a victim of fraud on my credit card, I want Chase to do another dispute for this and refund the money for the charges listed above. All of these charges happened between XX/XX/2022 through XX/XX/2022. I did not ask for these items, I did receive these items and I had no knowledge this was happening until I saw my statement for the month. Chase also promises in their terms and conditions that customers are not held responsible for fraud charges if they are notified within a timely manor, I did notify Chase of these fraud charges within the time frame.