davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I am Co-signer on two Private Student Loans that Navient bought from Sallie Mae prior to XXXX. I filed Bankruptcy in XXXX and got discharged approximately XX/XX/XXXX. I started repayment and these loans became part of a Class Action Lawsuit against Navient in which they were put on non-payment status for approximately 2+ years. The Loans were removed from the lawsuit and repayment started up in XX/XX/XXXX with no explanation. I contacted the Michigan Attorney General as Michigan Residents were part of the Class Action lawsuit. I was given XXXX XXXX as the Firm that had oversight and could tell me if I was on the list. I was informed that I was not on the list and after explaining my situation the Rep said I may have been missed and because I wasn't on the list did not mean I do not qualify for complete Loan Forgiveness. 
I went to www.NavientAGSettlement.com and noticed it spoke of low credit scores as a Qualifier. That was the reason I filed for Bankruptcy in XXXX due to low credit scores and inability to pay debt in which these private loans I Co-signed were part of the Bankruptcy. When the Loans started back up in XXXX I was informed by Navient Customer Service that they did not have any data as to why the loans re-instated and not canceled. I was informed by Michigan AG Office and XXXX XXXX to file a complaint with CFPB to get to the root of this matter as to why the loans were not canceled after reading information on www.Navientclassaction.com which addresses my situation and I do not understand why these loans were not canceled. It appears to me that Navient is selectively choosing who to cancel Loans for based upon some discriminatory criteria and not the criteria stated on their Wedsite. Navient has sent me emails offering to match my payments which I do not understand because this seems to be a compromise becasue the loans should have been canceled.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" XXXX XXXX '' added late payments to my account that was false even added an extra month of late payments. 
Equifax assumed this role without permission not only that they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 a number 4.

Equifax did not exercise grave responsibility, they were unfair, they were partial.

Im taken the liberty to file a CFPB report and an attorney general 's complaint.

Equifax never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( XXXX XXXX added late payments to my account that was false even added an extra month of late payments )
Consumer complaint received 2020-12-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (CA)

My name is XXXX XXXX and I am an XXXX licensed in XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. My Stepfather XXXX XXXX passed away on XX/XX/2020 and had a lease on a XXXX from XXXX from Ally Financial. 

My mom is XXXX and can not take care of herself and had to be transferred to an assisted living facility and I intend to return to the car to XXXX as soon as COVID is over, but my wife is pregnant so I do not want to risk going to XXXX, especially since as I understand it an auto payment of {$250.00} is being made to Ally Financial anyway. I informed Ally Financial of my stepfather 's death and there seemed to be no issue, but approximately a month ago my mother began receiving harassing and threatening phone calls from a woman named XXXX XXXX who called from XXXX XXXX XXXX XXXX in XXXX, Florida would not even identify where she was from, but repeatedly called my mom in her assisted living home and threatened to lien her home. 

I attempted to call her back, but nobody could connect me to Ms. XXXX whoever she may be. I am unsure if this is a scam from Ally Financial or if this Ms. XXXX is a scam XXXX. 

Ms. XXXX should not be harassing elderly widows in retirement homes and at the very least some form of written notice should have been sent, but none has come.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Dear Consumer Financial Protection Bureau, I am contacting you regarding a company Transworld Systems Inc. ( TSI ). They have made numerous collection calls to my person cell phone attempting to collect a debt on a person I have no relationship to ( XXXX XXXX? ) and no relationship to this debt. Attached is a letter that further described this situation, verification my cell is on the national do not call registry, cease and desist letter, call log, documentation from cell phone carrier, and whiteness statement. I have also provided documentation of hundred of complaints that were submitted to the XXXX  to support they are a repeated offender. 

I have sent this via certified mail. I attempted to resolve this matter via e-mail and phone. My phone calls was not returned. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-26
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. (IL)

On XX/XX/20 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX  have got into the hands of the wrong person.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have a problem with being charged a {$40.00} late fee when making a payment on the due date, but 90 minutess past the cut off. I sent an email to US Bank on XXXX XXXX requesting a late fee refund and received a reply on XXXX XXXX refusing a refund. My complaint is partly that the fee is excessive at {$40.00} but also unfair in that the payment was made on the due date technically. The receipt I recieved for the payment says it was received on the due date. In another place it notes the time cutoff. I had a late fee the month prior which was waived. 
My complaint is also that they are making no concessions for COVID. A concession could be a waiver of late fees and not fighting it to this degree. 
My second complaint is that they are not willing to negotiate so that I can close this account and be placed on a long-term payoff plan with XXXX or very low interest as most of my other credit cards are doing. My family has 3 XXXX XXXX XXXX and 2 XXXX XXXX cards that have been placed on payoff plans like this and those banks made the process to enroll fairly easy. 
The first time I contacted US Bank to request payment assistance program, I was told that I needed to talk to the Hardship Department. The next time I called which was on XXXX XXXX and asked to speak to the Hardship Dept, I was told that I would not qualify for any kind of Hardship program until I was 2-3 months late. My objection is that the bank is forcing me to choose to damage by credit that I work very hard to build up with NO late pays by letting it go late, then when it does go late by 90 minutes on the due date, they charge a {$40.00} charge. 
Recently, a button has appeard on the US Bank home page that says " learn about our payment programs. That link takes me to a page where I can select payment programs which takes me to this message : Unfortunately, you are not eligible for any payment assistance offers at this time. We appreciate your business and would invite you to contact us at XXXX. A service representative would be happy to answer any questions you may have. 
I have talked to a representative twice and they tell me there are no options for me. 
The reason I was 90 minutes late making a payment was because it was hard to decide whether to let my account go over 30 days late so that MAYBE US Bank would offer me some kind of payment assistance, and ultimately I decided I was not comfortable with not making my payment on time. 
The attached XX/XX/XXXX statement shows both a payment made by me for {$600.00} and a {$40.00} late fee on XXXX XXXX. I have also attached the payment confirmation message I received online that confirms date and time of payment which was XXXX XXXX at XXXX CT and notes that payments made after XXXX CT will be " processed '' the next day, but does not say that the payment is considered " late '' and a fee will be charged.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Ive Contacted XXXX  Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that XXXX XXXX is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let XXXX XXXX know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also Equifax is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-27
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. (NY)

On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.
Consumer complaint received 2022-10-09
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)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that I was verified that these items are being reported correctly ; who verified these accounts? 

XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$270.00} Equifax Online Information {$600.00} ( This debt was not verified and put on my Credit Report x2 ) XXXX XXXX {$380.00} ( not verified to mine ) and has been paid in full and I have no idea how because its not my debt!
Consumer complaint received 2020-12-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NC)

JPMorgan Chase Bank, N.A. : Reference Number : XXXX Account Ending : XXXX [ 4 ] 15 U.S.C. 1692c ( b ) ( generally prohibits debt collectors from communicating with third parties in connection with the collection of a debt, in the absence of a court order or prior consumer consent given directly to the debt collector ). I XXXX XXXX the consumer did not give JP Morgan permission to share my information with XXXX XXXX XXXX on this alleged debt Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Pursuant to 15 USC 1681a ( 2 ) ( 8 ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to JPMorgan Chase Bank, N.A on this alleged debt. 
I am demanding that you remove these alleged transactions from my report immediately as they are violation of my right as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I was told Care Credit does not have an official dispute department by the Care Credit dispute supervisor. They ignored the original complaint when filed with them in XX/XX/2021. After a heated discussion with the dispute department manager he told me there is no medical arbitrator, or medical advisor on staff, so there is no way to check and verify charges. Whatever the provider says goes whether legitimate or over charges, who cares. The consumer pays for a very skewed way to play. No recourse in this unregulated field. 

There are no checks and balances at Care Credit. There are no consequences for providers that overcharge because there are no accountability measures in place at Care Credit. 

I was charged {$79.00} for dog cookies, and {$490.00} for a {$50.00} dog harness, etc. Then complications arose where the original provider wiped their hands leaving me no option but go to an XXXX XXXX  which I later found out the original provider was a partner in. There is No legislation in this wild west industry for services charged. 

Care Credits response, Well, you signed for it. Yes in an emergency situation. I was astounded at such shoddy business practices all the way around.
Consumer complaint received 2022-01-04
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: Exeter Finance, LLC. (AL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Home Depot Credit Services owes me a {$25.00} credit. When I opened the credit card account on XX/XX/2019 Home Depot Credit Services offered me a {$25.00} promotional discount on my first purchase within 30 days of the account open date. The offer code is XXXX. The purchase was made on XX/XX/2019 for {$29.00}. 
I wrote to Home Depot Credit Services on XX/XX/2019 and XX/XX/2019 but they did not respond. I sent messages to them on their website but they did not address my problem. I tried to call them but could not get a live person on the phone. 
Please credit my account for {$25.00}.
Consumer complaint received 2019-01-02
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. (NY)

I sent letters to the 3 credit bureaus ( XXXX XXXX, & Equifax ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, XXXX   & Equifax respectively on XX/XX/2018 ( letters 1 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

Equifax : XX/XX/18, XXXX  : XX/XX/18 & XXXX : XX/XX/18 ( letters 3 ). 

Equifax : XX/XX/18, XXXX XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, XXXX, and Equifax to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Bank. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
Consumer complaint received 2022-10-09
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)

The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, Equifax, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) Equifax is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA XXXX XXXX not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.