davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NY)

I co-signed private student loans for my son. These private student loans where than purchased by  XXXX   XXXX  and subsequently transferred to Navient. I am a co-signer on this loan with my son as the primary. In  XXXX    XXXX   during the transfer time between  XXXX   XXXX  and Navient my son became delinquent for a 60 day period on the student loan. There was no delinquency for 30 days only a  1 t ime 60 day delinquency. At the time my son was catching up with the payment of the loan and for several months could not afford the full payment however made at least 75 % of the monthly payments, and continued to always send in some payment. At the time he was adjusting to paying  XXXX  private student loans to  XXXX  different companies. Navient placed in  XXXX    XXXX   a  XXXX  time 60 day delinquency on not only my sons report but to my credit report also. As stated I am a co-signer on the loan a guarantee that it would be paid if my son could not pay it off. I have tried to rectify this negative reporting with Navient and with the  XXXX  credit bureaus reported to  XXXX   XXXX  and  XXXX . I have disputed with the credit bureaus with no success. I been meet with nothing but bitter commentary from Navient employees and was provided with no help to eliminate the negative reporting on my credit.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates (MD)

Case #   XXXX  The following is a rebuttal to  LJ Ross & assoc l etter. Pardon me for starting a new complaint as you had closed the old : CPFB   XXXX   XXXX   XXXX    Case  #  XXXX  Dea r Manager, Thank you for your prompt response. Unfortunately,   XXXX   XXXX   and LJ Ross asso ciates ( LJRA ) half-baked research and lackadaisical reporting lacks relevant points of facts :  1. That ou r property at   XXXX   XXXX   XXXX  ,  XXXX , MD   XXXX   was a rental property. The renter had a separate  XXXX  account. However, when the renter moved out and much later the bank foreclosed on the property  XXXX  decided to purge that account and outstanding balance was merged into our current account on  XXXX   XXXX   XXXX ,  XXXX  MD  XXXX   ( p resent home ). {$910.00} was merged with latter account exactly on  XX/XX/XXXX  ( account history enclosed ).    2.  So when  XXXX  makes a claim that the utility bill is for present home she is condescending. Either she lives in a cave or below some rock to not realize how can some live on a property (  XXXX   XXXX   XXXX   ), n ot pay utility bills and yet the utility company does NOT turn off the power. And why does the company not turn off power? Because bills are have been paid on time and the account is current.    3.  That  XXXX  fails to ask requisite questions on  XXXX  and blindly ascertains that  XXXX  bill is not included in the bankruptcy. She is again found stating falsely that utility bills are not for  XXXX  when the account history referred in para  XXXX  above highlights the falsehood.    4.   XXXX  without first getting hold of itemized statement from  XXXX  unabashedly goes on a charact er assassination c ampaign making false assumptions. While she is able to find out when bankruptcy was filed and  discharged but made no efforts to ascertain for what property? After all certain debts are discharged as result of bankruptcy, right! Had she done her job she would been pleasantly surprised? Easy  to destroy a poor consumer 's credit but tough to get relevant facts and details! Lo Behold! High handedness.   From the preceding it can safely be concluded that over-reaching and tone-deaf characteristics of collection agencies who are most concerned about their bottom-line and consider good-credit of customers as trivial hence expendable and  LJRA is no exception.    Regrettably, CPFB lacks the teeth to take such self-aggrandizing and disreputable collections agencies to task. Or is it? Thanks again for all the great service you extend. Best regards.     Most respectfully,   XXXX   XXXX
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (MO)

I have  XXXX  entries on my credit report for the same student loan with th e U.S. DEPT OF ED - DIRECT. These loans were transferred to :  XXXX  several years a go. As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferr ed to one co mpany  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (   XXXX   )  XXXX  transferred to : Creditor Contact Details US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , WI  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I was placed in forebearance and deferment programs for years when I qualified for public service loan forgiveness program and IBR payment plans. I worked as a XXXX in low income area since XX/XX/2006.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (RI)

I opened a Robinhood account in 2020. I added money into the account and bought stocks. This past Thursday, my account vanished. When I tried to log into it, this text appeared : " Error.Unable to log in with credentials. '' I had a facial recognition feature on this app, so I found it strange. When I tried to contact Robinhood of fraudulent activities, there is no one to contact. The telephone number redirects you to a vague email address. I was stressed because Robinhood has all my information linked to my bank account. I find it incredulous there is no support if its a legitamate company. I had over XXXX shares of XXXX  cryptocurrency. I had invested in XXXX. XXXX. XXXX. XXXX  XXXX. XXXX. and a few others. Today someone tried to transfer {$2900.00}. then $ XXXX {$1000.00}. then {$100.00}. then {$10.00}. all within an hour. I happened to notice. All of this could have been avoided if Robinhood had a fraud department. I'm not tech savy. I work hard for my every dollar. I pay my bills. I'm asking with some help reinstating my account. I signed up for identity theft protection. I want my account found. Thank you.
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (WA)

Repeated " UNAUTHORIZED '' opening of credit card w ith Amazon through Chase Manhattan bank and " unnecessary '' credit inquiries that affected our credit scores. The first document is a chronological order of my several attempts to get the issue reso lved. The second document is confirmation of a credit card account that also showed I responded to that email ( shaded area ) on  XXXX   XXXX ,    2016  with the same email I sent to  XXXX   ( Amazon exec ).
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

A  Georgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is  showing on my credit repo rt. Tax Lien i s showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Consumer complaint received 2022-08-03
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)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2023-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I currently have a car from XXXX with synchrony credit card company. I have an issue with the disclosing of information they have. I made a payment and they show that the payment posted and later they showed that there was a late fee for {$30.00} kept wondering why call them I said your payment history shows that the payment posted but Im being charged {$30.00} late fee wise that then they notify me that the payment had not posted I told them it was misleading for them to show the payment as posted if the payment has not gone through and that completely confuses me as a customer thinking that I wont be reported late because I am going based on their information that says that the payment posted so I feel that them disclosing dad its putting me as a consumer in a situation, where if I am unaware that the payment they reposted they are disclosing false information, giving me the full sense and then reporting me late Lucky for me. I was able to make the payment in cash the problem right away but this is a big deal because this company has engaged in situations where they dont either notify the customer. They post the inaccurate information and they need to have somebody review what they do so they
Consumer complaint received 2023-01-04
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

XX/XX/2021, I received confirmation letters stating their investigations were accurate XXXX, XXXX and XXXX requesting removal of XXXX. XXXX and XXXX XXXX Bankruptcies. I sent with dispute letter information from XXXX XXXX XXXX Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. 
They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

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

Also, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

They also violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports. These are grounds for removal or deletion of Bankruptcies.
Consumer complaint received 2023-01-30
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. (IL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

I purchased a XXXX Tool cart from this website using XXXX which withdrew the money from my Usbank checking acct {$93.00} was withdrawn on XX/XX/22. I never got an confirmation email from the website I purchased it from and I never recieved the item I purchased but I still had the website pulled up on my phone so tried contacting the website with no response on there end. So I looked on my XXXX to see where the money came out of and it came out as a transaction to a person XXXX XXXX which is not what I authorized I purchased a product. XXXX denied my claim after I provided them with the fraudulent website and referred me to my bank and said I should have buyer protection. I called Usbank was referred to XXXX XXXX XXXX I spoke with a lady who said she was going to send out paperwork for me to fill out and also informed me I only had XXXX days to submit the paperwork and that I could send my own note explaining what happened and faxed it. I called again several times I always got transferred to several different departments was told by a couple of people that my end was breaking up and they couldnt hear me so had to hang up and call back again to start the process all over again XXXX different times. I finally get a letter back from the bank stating that my claim was denied because it was determined that I authorized this transaction when I didnt. I thought I was purchasing a item from a sales website and the person set up the website to scam shoppers out of there money. I sent a link to the website I purchased from so the bank could see it is a fraudulent website and reimburse me the money I lost. Usbank is also making it very hard to talk to the correct person or department when I call to get this worked out. They advertise buyer protection but have not properly investigated my claim otherwise they would have ruled in my favor. XXXX was also quick to deny my claim saying I authorized it. I was scammed my money by a fraudulent website I did NOT authorize a payment to and individual it was supposed to be for the item on this website. I never knew websites like this existed. I do a lot of online and have only been scammed maybe XXXX other time but looked legitimate and than the person set up the payment as a friends and family payment to scam me out of my money and XXXX and Usbank are denying my claim.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Two fraud postal money orders was cashed but not by me of {$950.00} {$950.00} totaling {$1900.00} but bank manager took the money out of my account without me knowing and bad check fees of {$12.00} each but the made a mistake of not recognize the fraud so he in order to protect her he took my money it was reported to the postal service by me they were cashed XXXX funds was taken from my Acct. XXXX for this reason they are closing my Acct. As of XXXX the bank has filed many
Consumer complaint received 2023-01-03
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. (AZ)

I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.
Consumer complaint received 2023-01-03
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: JPMORGAN CHASE & CO. (AZ)

I discovered I was identity thefted XXXX, and discovered accounts that are not mine or fraudulent charges. I have disputed accounts several times and I get ignored. It has caused me to be homeless.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: CARD Corporation (IL)

I received a Debit Card from Card.com and XXXX on XX/XX/2022 and I did not request this card. I have attempted to contact them via phone call at a few different phone numbers I got off their websites after searching these companies. I have not called the phone number on the card or on the paper work that came with the card. I have been unable to talk to a person at either company. I believe that I may be a victim of identity theft.