davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I had 2 Private Student Loans with Navient and I was forced to get a co-signer, my step-son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The loans originally were with Sallie Mae. They forced me into Forbearance and loans kept incrementing. XXXX XXXX XXXX XXXX XXXX In XXXX - XXXX I was diagnosed with a serious health condition and wages were reduced due to so many not covered surgeries. In XX/XX/XXXX I was forced into XXXX XXXX Year after year I would try to get the co-signer released prior to my surgeries. After XXXX XXXX I also tried to get my step son off of the loan because he was in the process of purchasing a home and the loans were preventing him from purchasing a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file for divorce from my spouse of 20 years and had to refinance my home and add XXXX of the funds of the house to pay off the loans so that my step-sonXXXX  a XXXX, would be removed from the loan and the accounts would show he had XXXX on his credit reports a requirement to get 1approved for his XXXXXXXX XXXX Loan to purchase a property. I made numerous complaints to the XXXX Navient, the Atty General of my state and to CFPB. Nothing was done. I was duped by Navient. According to Navient they release the Co-Signer for on time payments of over 12  months & the following. 1 ) Proof of successful graduation, 2 ) Proof of Citizenship and 3 ) Proof of Income. Of course they refused time and time again to release my XXXX XXXX XXXX, from the loans negatively affecting his creditworthiness. Furthermore, they forced me to pay the PRIVATE LOANS which were listed in XXXX XXXX. Per your website, the Bankruptcy Code provides and that loan owners, lenders, servicers, and debt collectors honor that relief when a bankruptcy judge discharges a consumers debts. Navient did not honor the XXXX XXXX  and I did not want to negatively affect my Stepson 's credit and had to pay off the loans with monies I could have repaired my home after XXXX XXXX XXXX. This of course caused undue hardship since Navient 's action caused me undue hardship and increased my Mortgage by XXXX. Navient has had multiple lawsuits against them for their inaction. They did not send me any refund or anything after misleading me. They should not have forced me via duress to pay off the loans knowing they constantly misled me and failed to report payments to the bureau. Something stated in several class action lawsuits. I am attaching evidence of everything I am saying and my stepson ( cosigner ) evidence he is a XXXX XXXX.
Consumer complaint received 2023-02-24
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. (VA)

I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single one each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged account is to be deleted.

the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows.

Alleging Creditor and Account as is reported as having a late payment on my credit report. 

ACCOUNT # XXXX { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

XXXX XXXX/Navient never fully disclosed how the loans worked. I have been paying for years, consolidated and forbearance and still owe ridiculous amounts. I called passed fee months to consolidate loan. They said roughly 20 years 240 months. Asked to have application mailed to me has no loan terms on it. Just my information . Sent information to them keep.calling for status and all they say is it is being processed and letter was sentXX/XX/XXXX. I do not even k ow details of loans nor agree to it yet and they are telling me getting approved. I feel it has never fully been disclosed and is why I am still paying on them.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (ID)

I got a Wells Fargo notice on my bank account that said my new card was on the way. I wrote them back and asked them what was up because the account number did not match mine and I did not request a new card. After two emails, the customer service rep told me that my account was " At risk for unauthorized transactions '' and they changed all the account numbers. I went through my account and had no unauthorized transaction up to date, and demanded why they thought I was at risk and why they changed everything without my knowledge and without my permission and they will not tell me. To me it sounds like they 're hiding a security breach, but I 'm super XXXX, I 've had the account numbers memorized for years and they go and change it without even telling me.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnisherXXXX.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (OK)

I responded to an advertisement that Bank of the West was to give totally free checking. I received several fee related charges like NSF, Transfer Fees, any Fee, didnt have something fee, too much this fee, so they closed the account and it wasnt over drafted from missing money, just all fees, then closed the account. It left me with a very bad mark with XXXX reporting agency. My XXXX report is trashed, all because of a free account. I also went to the hospital for 120 days for XXXX XXXX. ( XXXX can prove this ) Ill pass on California anything! Can I get help anywhere? Please?!
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Hello, I originally had a student loan with XXXX  which I began making payments on in XXXX. This loan was then sold to Nelnet in XXXX. Although I have been making payments for the majority of the last 18 years the number of remaining payments has not decreased, nor has the remaining balance. This seems strange to me, and potentially predatory, as I am now realizing that there is no real end date for the completion of my loan, but that they seem to want me to make monthly payments to them indefinitely. 

When I called and asked to speak to their specialist, I was told that that position was internal and that I could not be connected to them. There is no recourse for me to better understand what is happening with my loan or how to resolve it.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Being billed by a fitness center without a billing agreement. Bank of America did not respond to last complaint. Seeking the closure of both checking accounts in my name at Bank of America. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Bank of America is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Equifax ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00},. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NE)

On XX/XX/XXXX I changed the funding source for my pp debit card from my XXXX XXXX account to my XXXX XXXX. I did this because there was no money in the account because my wife and I are changing financial institutions. Sometime on our before XX/XX/XXXX paypal changed the funding source back to XXXX XXXX, which is going to cost me at least XXXX dollars in NSF fees. And they did this without giving me any notification that the change had been made.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I received a letter from Barclay 's Bank on XX/XX/2022 telling me that my Gap credit card ( Newly sponsored by Barclay 's Bank ) was reporting 90 days past due and that my account was now closed and a balance was still due. 

I called immediately and was told that the amount due was interest and late charges because of that interest that was not paid. 
I paid the amount that was requested of me promptly and inquired as to how there could be a balance given that I had paid my balance in full about 3-4 months ago and had not since used the card.

The person on the phone told me that although I had paid my balance in full, interest charges had posted at a later date because I had paid in full prior to the due date.

I told the agent that I was never informed of a new balance and was told that it may be due to Gap being newly sponsored by Barclay 's Bank and I may not have recognized a billing from them. 

I explained that this did not seem fair and that my credit profile and scores would now be unfairly affected. 
I was directed to speak to a supervisor. 

I called on two occasions to discuss this with two supervisors. 
Both said they could not do anything for me and both told me to contact the FCRA. 

I understand that the FCRA is the Fair Credit Reporting Act and is not an agency. 

I don't feel it is fair to affect a persons credibility ( credit profile ) when there is no intention of non-payment as well as poor communication from the creditor.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (WA)

I received today a letter, dated XX/XX/2023, from J.P. Morgan/Chase , demanding that I pay a past due amount of {$10000.00}, account number ending in XXXX, stating that a payment had been made to me through an account set up by XXXX. They are asking that I wire a payment to JPMorgan Chase Bank , N.A . They do not say when I allegedly received these funds or give any specifics on any alleged application. 

I have never had an account through JP Morgan or Chase. I have never heard of XXXX. I have not applied for this credit or received the funds. 

I have not attempted to contact JP Morgan because I just opened my mail that I received today and it is past the XXXX XXXX time of their office hours.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates (NY)

Stafford Collection Agency called several of my family members to collect a debt. I forwarded a debt verification letter to Stafford. It's been over 30 days and I have received no debt verification or correspondence from them yet the debt sits on my credit report.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Benuck & Rainey, Inc. (NY)

Original creditor : XXXX, XXXX. 
False account balance : {$59.00} XXXX has been harassing me about this bill of {$59.00} for a while, the reason I have not responded to them is because they actually OWE ME MONEY. The original amount they had charged me was more than the above amount of {$59.00}. I paid them the original amount a while ago, and have the bank check reference to prove it. 

Previous to my paying that bill, I had talked to one of their reps ( XXXX , XXXX ) on the phone and he said he would discount the cost. I waited a while without receiving the discounted charge and decided to go ahead and pay the original amount. Even after I paid the original bill, a new REDUCED bill has been continually sent to me from XXXX XXXX. 

XXXX XXXX has since used XXXX XXXX ( debt collector ) to try to collect from me. I contacted XXXX XXXX and the collection stopped. However, I just received today another collection mail from XXXX XXXX XXXX , XXXX in NH for {$59.00} ( not sure why there 's a XXXX cents difference ). 

At this point I do n't even care about the money XXXX owes me, I would this like the collection requests for this to stop once and for all. 

Thank you.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (RI)

On XX/XX/2022 I made a {$2900.00} online balance transfer. I was charged the {$2900.00} onto my credit card. The other credit card never received the {$2900.00}. I contacted the company with whom I made the online balance transfer and found out that the funds went to a company that I dont have a credit card with. I made numerous attempts to call the company to let them know about this issue to resolve it and get my money refunded. 

On XX/XX/2022 I was able to reach the company with whom I started the online balance transfer and explain the situation. At that time I informed that they will be contacting me within 90 days to set up a conference call with both the company that I made the balance transfer and with the other company which received my funds. 

In XX/XX/2022 I called about the progress of a resolution. I was told that I was the one that had to contact the other company and set up a conference call to resolve the misapplied funds. I called the other company numerous times and could not even get any information because I dont have any accounts with them.