davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I became aware of the Public Service Loan Forgiveness ( PSLF ) program around XXXX. At that time, I contacted my loan servicer, XXXX XXXX ( then to become Navient ) and asked the service representative if I could be placed on the right type of payment plan to qualify for PSLF. I was assured that yes, I was on the right type of payment plan. 

Through the following years, I had various phone interactions with XXXXXXXX XXXX/Navient customer service representatives. Each time I asked if I was on the right type of payment plan, and each time, these different representatives assured me that, yes, I was. Around XX/XX/XXXX, I submitted my first Employment Certification form. I have been working for a XXXX XXXX XXXX since XX/XX/XXXX. Upon review, it was determined that my work qualified for the PSLF program, and my loans were transferred from Navient to XXXX XXXX. Upon additional review, XXXX informed me that of all the payments I had made over the years, only 13 payments were considered qualified for PSLF. 

Apparently, I had been under the false assumption, due to false information, that my payments should have been qualified starting around XXXX. This means that while I thought I was on the right plan, I ultimately was not, and about 3 or 4 years worth of potential payments toward PSLF were essentially lost to me. 

In an effort to research the problem and hopefully correct any potential mistakes, I then contacted Navient. Navient confirmed I had only 13 qualifying payments. I asked them how on earth was that possible, as I expected accurate information from their customer representatives. After much discussion, Navient ultimately accepted no responsibility nor offered any avenue for recourse. I asked Navient for a hardcopy of all of my payment history to be mailed to me so that I could review it myself. They agreed. It 's now a good 8-9 months later, and I never received this information. I wish I had documented these interactions in a more meticulous manner, but I 've had dozens and dozens over the years of normal business with this servicer. This is further complicated by the shift from XXXX XXXX to Navient. Quite frankly, it is impossible to even investigate what information might have been lost in that transition. 

I feel like it 's unacceptable to expect regular every-day customers to have the file-keeping, documentation, and advocacy skills of a trial lawyer. I also feel it 's a reasonable expectation that Navient customer service representatives be properly trained, provide accurate information to their customers, and spend sufficient time with customers to understand all the options. The consequences of that failure are somehow placed solely on the shoulders of the customer. Now that my direct loans are being handled by XXXX XXXX, I 'm genuinely curious what options for recourse even exist from XXXXXXXX XXXX/Navient.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America did a right off offset for a credit card. They fully knew I was in a hardship and drafted {$1000.00} from my checking account. This caused me to not be able to pay bills.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX  Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

1. Company : venmo 2. What happened - tried to transfer {$2000.00} to my wife thru Venmo - my venmo account deactivated by violation of user agreement - no explanation why - {$2000.00} was reversed from my wifes venmo account to my account - I can not transfer from my venmo account to back to my bank account since they deactivated My venmo account - I escalated to their account specialist through email they said they will hold the balance for 180 days for loss protection and let me at the end of 180 Days - asked again what types of violation I made, but no answer from them - went to chat support and asked same question, but they said they can not answer since chat support is not account specialist team - there is no phone numbers provided at all for their account team. They said just waiting for email. But no answer from account team
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have had a card with XXXXXXXX XXXX  for years. Covid job loss got me behind on my payments. I got all of this caught up and closed the account in XX/XX/XXXX. I have asked on many occasions to change my pay date as it is a real problem for me. They refuse. I put in a payment in XX/XX/XXXX and they didnt process the payment for 3 days. They said the payment wasnt paid and I was charged a XXXX late fee and a XXXX returned check fee. It also took XXXX points from my equifax report for XXXX late payment. The card is consistently adding interest and fees, even though the account has been closed. They reported to a credit bureau that I was using 102 % of my credit when my limit is {$700.00} and I owe {$570.00}. That is not 102 %. They are XXXX to destroy peoples credit.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Apon reviewing my consumer report from Equifax consumer reporting agency I noticed there was a Inquiry from a unknown & uwarranted company... I didn't recognize nor request for the C.R.A to place this inquiry on my consumer report. Equifax was not given permission written or verbally from me to place this derogatory Inquiry on consumer report. This inquiry is not attached to any open account and should be deleted immediately .Equifax policy doesn't supercede federal law and my federal protected rights are being violated. This is my second attempt to address this concern.
Consumer complaint received 2017-11-02
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. (OH)

I called XXXX and Equifax to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

I copy of inaccurate information relating to my criminal background was sent to a prospective employer on XXXX. The inaccurate information states that I was convicted on a XXXX XXXX XXXX on XXXX with a sentence of 60 hours of community service. The information is inaccurate because I was never charged in this case as the case was fully dismissed. I checked with the XXXX County Superior Court of XXXX and verified that the information presented on their end reflects just as I said, the case was dismissed & I was never charged.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KS)

Equifax has a student loan listed on my credit file that is my sons I am XXXX, it is also past the statute and needs to be removed off of my credit file. Please handle this ASAP XXXX # XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-11-01
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. (MA)

My name is XXXX XXXX XXXX. Following the Equifax data breach I placed a freeze on my credit reports with all three credit agencies. I almost signed up for the " free credit monitoring. I quickly realized if I did indeed log on and use that service the company would no longer be held accountable ... Now, a month and a half later, I need to temporarily lift the freeze and let my lender access my credit report to complete a loan on the asset that I 'm purchasing. I 've been trying to contact Equifax online and over the phone for three hours to lift the freeze and have n't been able to have my request fulfilled. They do n't have access to customer service at all! All their phone numbers refer to automated systems which also do n't work and offer you to send requests via mail! 

I 'm sure there consumed with legal issues and lawsuits but ... Equifax should be especially attentive to its customers now after the data breach, but it seems that the company does n't care about its reputation at all. After three hours of unsuccessful attempts to resolve an issue that should n't have taken longer than a few minutes, I feel totally helpless and lost. 

Bottom line is there are accounts or activity that you do not recognize could indicate identity theft. 

I do want to file a lawsuit for past, present and future damages.. I also want all credit bureaus to remove all 3 credit freezes. 

There seems to be accounts or activity that I do not recognize could indicate identity theft. There is unusual activity taking place at the moment..Now that my personal info is leaked, my social security number, everything! I do n't need 1 year of free credit monitoring, honestly you should be offering 75 years of credit monitoring! But I 'm not interested in your credit monitoring services. 

My lawyer advised me to contact Equifax we recorded the phone calls and it was the worst customer service, words do n't describe. We could not get in touch with one single representative!! ( Over the course of a week )!!!! 



P.S. unrelated to the lawsuit we will most likely file ... I would appreciate a refund from Equifax for the {$15.00} I paid to freeze my credit report. I would also like them to refund me the other {$15.00} to lift the freeze or that they lift a all 3 themselves. I would appreciate if Equifax could lift my credit freeze & contact the other 2 bureaus to remove the credit freeze as well. 

Once that has been completed we will most likely file a lawsuit for damages, this will JEOPARDIZED my identity for THE REST OF MY LIFE! 

Compensation : {>= $1,000,000} Thanks and looking forward to your response.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXX Opened Account status Original creditor name XX/XX/XXXX ( 4 mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law.

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe.

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-11-01
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.