davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

I have explained to Navient on XX/XX/2016 that the school that I went to which was XXXX XXXX XXXX was closed down. I have applied for jobs and they will not except the degree that I got from that school. While in the process of applying to different XXXX schools, I called around look for a transcript from XXXX XXXX XXXX no one can find any of the transcripts from that particular school. I have asked Navient to forgive that loan because Im not able to use anything that I acquired from XXXX XXXX XXXX. Im currently at XXXX XXXX XXXX retaking all of the classes that I took a XXXX XXXX XXXX to get me into the XXXX program.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I previously froze my credit report with Equifax on their website ( myequifax.com ). I needed to unfreeze my credit report today. Their website said there was a problem and directed me to call. I called and spoke with a representative. She unfroze my credit but said that I needed to send in a letter and I would get a response in 7-10 business days after they receive my letter. They said they were not " fully able '' to verify my identity, which made me nervous that there was a problem in my credit report. The rep was unwilling to tell me if there was any problems. She kept citing " their policy ''. I finally told her I didn't give a XXXX about their policy, but my policy is if there is a problem on my credit report I need to know. I didn't ask for Equifax to keep a report on me, yet they do. The rep was very unhelpful. On my credit report, for example, I have a mortgage with a company called " XXXX XXXX ''. She asked me a question while trying to verify me regarding who my mortgage company was. I said " XXXX XXXX ''. She then asked me " What does XXXX stand for? ". I don't know. Their website refers to them as XXXX XXXX, as does everything I receive from them. I finally asked for a supervisor. After being on hold for 15-minutes I was disconnected.
Consumer complaint received 2021-03-30
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

Back in XX/XX/XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.
Consumer complaint received 2018-08-01
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. (MD)

From XX/XX/2014 through XX/XX/2014, XXXXt is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have had private loans through Navient since 2006 because I did not qualify for federal loans due to my parents income. I went to school to be a teacher, I do not make a lot of money. Although Navient is currently working with me on lowering the interest rate, my loan amounts have doubled or more in many cases due to forbearance etc. these loans were put into forbearance when I had previously called to lower payments because I couldnt afford them. Rather than work with me, Navient deceived me and they have cost me roughly 30k in interest that I cant afford.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I recently changed to XXXX XXXX. Equifax shows two hard inquiries on the same day to XXXX. Obviously there was only one, but they can't seem to figure that out, I have complained but they have a bizarre security system and won't let me see the result. I have seen no change in my hard inquiry count.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

Equifax is currently reporting on my credit report that my contact information has an expiration date. It states, " Contact Information : Expiration Date XX/XX/XXXX : Date Reported-XX/XX/XXXX. '' My Equifax credit report has both a Fraud Alert and a Credit Security Freeze in place. My wife has the same alerts in place on her Equifax credit file but states nothing about a contact information expiration date.
Consumer complaint received 2018-08-01
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. (GA)

There is information on my credit reports which are older than 7 years which should be removed according to the FCRA. 

XXXX XXXX- {$450.00} XXXX XXXX- {$580.00} XXXX XXXX- {$870.00} All these accounts are over 7 years old from date of last activity.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank would not refund unused months when XXXX went out of business My XXXX 12 month membership was activated on XX/XX/XXXX at {$17.00} / month. 
XXXX went out of business on XX/XX/XXXX. 
I am disputing the unused 8 months at {$17.00} = {$140.00}. 

I requested a chargeback on XX/XX/XXXX. 
Chase said that I was not entitled to a refund! 

Chase has failed to provide the promised consumer protection! 

There is no need to contact XXXX! 
They are out of business and do not respond! 
My dispute is with Chase Bank. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX I received my XX/XX/XXXX statement, however my mortgage increased by {$10.00}. Back in XX/XX/XXXX I received a statement of my escrow account which stated that we had a shortage and if we did not want our mortgage to increase we needed to pay {$180.00} which I paid by the due date and it cleared my account on XX/XX/2018. So I was surprised to see that my mortgage increased. I immediately contacted my loan company and spoke to a XXXX I D # XXXX to advise him of the situation. He informed me that their escrow department would not adjust due to the small amount. I explained to him that was not my problem that you adjusted wrong and that I complied with what I was given. I also told him you didn't even send out another notification informing us of your error you just adjusted my mortgage. With my mortgage payment being due tomorrow I don't know what to do. I can not afford to have my mortgage increase by any amount.
Consumer complaint received 2021-03-30
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. (TX)

XXXX XXXX  XXXX/XXXX # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Credit card act of XXXX requires issuers place payment allocation to highest interest balance first. To my surprise Home depot has policy that if promotional balance expires 60 days, payment will apply on promotional balance first instead of highest balance first. I have document showing that promotional balance expires in XX/XX/XXXX, while I had purchase an item in early XXXX using credit card which subject to 29.99 % interest, then on XX/XX/XXXX, which is after my last billing cycle I paid more than the cost of the item I purchased few weeks earlier, guess what? That money paid off promotional balance fully leaving interest bearing balance alone forcing me either pay off the remainder of the balance or subject to interest charge in XX/XX/XXXX. 
This is not the first time, but repeated to the point I started to notice the pattern, I decided look up at their website, they have the page where debtors can rearrange promotional balance but none for interest bearing balance, I find this not justified and clear violation of Credit card act of XXXX.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

There is a Derogatory Account being put on my credit report from XXXX, it was reported XXXX XXXX, 2020. I have never had this account opened. I reported this and it was closed and it re opened and is back and affecting my credit score.
Consumer complaint received 2021-03-30
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. (AL)

In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX  -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting XXXX different dates of last activities. XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. Also, there are different high balances being reported. {$7500.00} on XXXX and XXXX, {$6000.00} dollars on Equifax. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MI)

Robinhood app allowed scammers to spend money on a debit card I never received or used. These scammers made purchases in XXXX with XXXX  merchants, a country I never been before. I lost around {$700.00}, overdrafting the account and now Robinhood claims I am borrowing from margin for these fraudulent claims. Robinhood has no customer service to speak of and if you report these fraudulent charges, all you will get is a stock response in your e-mail claiming they will respond in some unknown time later. They have no phone number to call to confirm whether someone is even monitoring their fraud system.
Consumer complaint received 2022-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

According to XX/XX/XXXX, settlement, the loan # ending in XXXX that Navient claims I have should have been relieved. The school that Navient ( at the time called XXXX XXXX ) is claiming that I had the loan for was a for-profit school ; according to Navient, the loan did take place between XXXX and XXXX, according to Navient, the loan was in delinquency, and I live in the State of Virginia XXXX The schools name is not a requirement in this settlement. Navient was supposed to inform me by XX/XX/XXXX that the loan has been relieved, but no information has been sent to me about loan relief till now. 
Also, nothing has been updated on my credit history to this day. I called Navient multiple times about this issue, but the people who answered the phone said they were not allowed to discuss it. I guess the fraud and deception of Navient continue. They need to update my credit history in which they should report that the loan has been relieved or should remove the loan # ending in XXXX from my credit history. Otherwise, I am calling all the XXXX state attorney generals and informing them about the fraud and deception that Navient continues. They need to do this as soon as possible and send me loan relief information through this website.
Consumer complaint received 2018-03-12
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: Premium Credit Bureau (MI)

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Premium CB. On XX/XX/18 I sent a certified letter to Premium CB requesting proof of " written authorization '' by me with my signature to pull my credit. Premium CB only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Premium CB is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. 

https : //www.ftc.govXXXX
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX # XXXX XXXX, XXXX # XXXX  XXXX, XXXX XXXX  # XXXX XXXXXXXX, XXXXXXXX # XXXX  XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, XXXXl # XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, 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 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX BOX XXXX XXXX, ND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hi my name is XXXX XXXX. On XXXX XXXX, someone hacked into my account and stole money out of my account. The amount was {$270.00}, {$68.00} and {$29.00}. I called chase and they reimbursed me. I went to a branch and I opened up a new account. On XX/XX/XXXX, chase went back in my account and swiped the money back out of my account. I didn't give anyone my account info nor did I send anyone any money. The person who hacked into my account, sent themselves money from my account. I did not authorize this.
Consumer complaint received 2022-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (AL)

I reached out to the company, XXXX, because a charge off appeared on my credit report for {$3900.00}. I called them to let them know that I never received all the merchandise that I ordered from XXXX XXXX on XX/XX/2020, and because of Covid the furniture was not readily available. I only received the Bed, consisting of a queen foundation, mattress, footboard, rails, and headboard which totaled {$880.00} shortly after I ordered. I never received the two night stands, dresser or mirror which totaled {$810.00}. 
They never sent any monthly statements to me because all merchandise was never received. I was told that that the contract does not start until all merchandise is received. This company has all my personal information including my social security number which according to 15 USC 1602 ( l ) - 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. According to 18 USC 8 all obligations are the responsibility of the United States. I demand the charge off be removed from all credit reporting agencies.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX a charge from XXXX was to come out of my account in the amount of {$280.00}. JP Morgan Chase bank stated that even though my account showed positive it was actually made negative by this transaction. I manually paid this through XXXX XXXX   app and Chase is saying because XXXX has it listed as a recurring payment that it was authorized this way instead of a debit same day transaction. I never authorized XXXX to setup recurring payments the bank manager said that it was because I stored my account on the website it gave them permission and they could take any funds out my account. I was charged an over draft fee not only because of this but because the banks mobile app was not working properly. The bank has pretty much told me that it's not their issue.
Consumer complaint received 2021-03-30
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)

Greetings I have been patient with the credit bureaus yet they keep breaking the law. As of XX/XX/2021 I have sent letters out to dispute items that I truly believe are not mine and yet these companies say that they are accurate without proof. How much longer can they play this game?
Consumer complaint received 2018-07-31
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. (TX)

A collection company named XXXX has reported a debt for a medical service I did not have with XXXX XXXX XXXX. Ive  contacted XXXX XXXX XXXX numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
Consumer complaint received 2018-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Since 2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting XXXX  about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.