davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my XXXX credit report, Navient had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

Navient has a history of wrong doing and has continued to harass people with student loans during the pandemic. Navient was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what Navient reports to XXXX through XXXX and have complained to XXXX through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to XXXX ( an illegitimate attempt to imply my credit report has been fixed ). Navient is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like XXXX, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override XXXX reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on Navients part and detrimental to peoples financial well being during difficult financial times.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (CA)

On XXXX CREDIT CONTROL CORPORATION opened a collection. 
Account # : XXXX Amount : {$120.00} I have never signed any written document that I owe this debt to the collector. 
They are violating my federally protected rights under FCRA as a consumer. 

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to the alleged company. 
Please have this removed from all 3 credit bureaus. 

XXXX XXXX
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (OR)

On XX/XX/2020, I had purchased tickets for a baseball game from XXXX using my Citibank card. Subsequently, the games were cancelled, and the tickets were never delivered. 

On XX/XX/2020, the president of XXXX, XXXX XXXX XXXX, sent an email affirming that customers with cancelled events have two options : to receive a full refund, or to receive a coupon. 

On XX/XX/2020, XXXX customer support sent an email saying that the event had been cancelled, and they were offering a coupon, not a cash refund. That same day, I attempted to contact customer support via chat to arrange a refund. I was kept waiting for hours and then disconnected. I sent a message to XXXX customer service requesting a refund, using their web-based customer support interface. No response was ever received. 

So, on XX/XX/2020 I initiated a dispute for the transaction with Citibank. On XX/XX/2020, it was resolved in XXXX XXXX favor without explanation. The dispute interface shows a link that " provides details about the resolution '', however, the link goes to a page with no information. 

Furthermore, they have a " Secure Message Center '' that does not allow customers to send messages. I contacted a representative via their chat interface, but they couldn't tell me why the dispute was resolved the way it was, nor any steps to redress the situation.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All three credit bureaus, such as XXXX, TransUnion, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX bankruptcy. All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Consumer complaint received 2020-07-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (ID)

My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XX/XX/XXXX. Our loan officer advised us not to make our XX/XX/XXXXmortgage payment because the refinance would fund in XX/XX/XXXX. It did, on XX/XX/XXXX. 

There are a few issues here ... 
Our previous lien holder was Guaranteed Rate and we got a notification saying that the servicer was being transferred to XXXX XXXX XXXX. This new servicing would take place in XX/XX/XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX. 

I am filing a complaint against Guaranteed Rate, XXXX, and XXXX XXXX XXXX. 

We have received notices from XXXX stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both XXXX  and GR regarding the difference. Escrow provided me with a payoff amount and XXXX said that it was enough to cover the total loan payoff. GR changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit. 

I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like XXXX was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder! 

I called XXXX again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}. 

Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

Hello, and thanks for your help. According to my credit card statements from Citi in XX/XX/XXXX through XX/XX/XXXX, I earned about XXXX XXXX points with the XXXX XXXX  XXXX card, opened XX/XX/XXXX. However, these points have not shown up in my XXXX account. After many phone calls with customer service representatives at Citi and XXXX, the problem has not been solved, none of the points I earned are in my XXXX account, and my case has not been passed along to service reps who have the resources to help. 

Summarized timeline : On XX/XX/XXXX ( 3 months after earning the points as verified on my credit card statements ) I called Citi and gave my XXXX account number to verify they are putting points in the correct account. The rep told me, presumably after making some change in the system, to wait and check if the points appear. They didn't. Meanwhile, XXXX phone reps were unable to see my earned points or track down if Citi had sent me any points for the past half year. XXXX guessed I should make a new XXXX account in case my old account is broken. On XX/XX/XXXX I created a new XXXX account and called Citi to give them the new XXXX Member ID and asked that all my earned points be moved into the new account. Citi said they'd escalate the case and contact me with the resolution. Citi has not contacted me. Half a year after earning rewards, I have not yet received any.
Consumer complaint received 2022-09-20
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. (NY)

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXXXXXX XXXX Account in question is US Dept Of EdXXXX XXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.
Consumer complaint received 2020-07-08
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

WELLS FARGO BANK NA XXXX XXXX XXXX po box XXXX XXXX, MD XXXX XXXX listed as the lien holder on my title ( See attachment ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Wells Fargo in Texas indicated they have no record of my vehicle ( See WF response attached ) It seems that the complaint department in Texas should contact the Wells Fargo Bank in XXXX, MD to see if they have a record of my car. If in fact they have no interest in my car then they should be willing to provide a release of XXXXen & send it to the Illinois Secretary of State ( See Form attached for their use.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC. (CO)

CollecTech has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 


This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX XXXX XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian 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 2020-11-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (VA)

Experience has been charging me {$21.00} for services that I did not approve. I requested my annual FREE credit report in XX/XX/2019. I cancelled that account the following day. I didnt notice the charges due to a fire in my home that displaced me for 7 months. Once returning then Covid hit and thats another set of issues. 

I tried to request a refund in the amount of {$350.00} for poor marketing and fraud on their website. The rep didnt handle it. Requested supervisor and that was a 15 wait. 

They have terminated the account t but I need a full refund.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX TransUnion and XX/XX/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 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE NOTIFIED THE LOCAL AND FEDERAL POLICE AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX XXXX  and Experian 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 2020-11-25
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE NOTIFIED LOCAL AND FEDERAL AGENCYS I WAS A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, 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 2020-11-25
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: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my vehicle was stolen and I filed a police report. In XXXX of this year, I was advised by XXXX, the company that financed my vehicle, not to make any further payments. They assured me that this would not affect my credit. However, in XXXX of this year when I applied for a loan to start a business, I discovered that I had derogatory late payments on my credit report from XXXX. When I contacted XXXX in late XXXX, they indicated that they did not report me to the credit bureaus. I called back the same day and another service person from XXXX indicated that they did report me to the credit bureaus. They stated would remove the derogatory late payments, as they were the ones that advised me not to make any further payments because my vehicle was stolen. When I check my credit report again in XXXX of this year, derogatory late payments were still on my credit report. When I requested a transcript of the call to verify that they ( XXXX ) would remove the derogatory late payments, they stated that they would send the transcript, but they have not sent the transcript or have not follow-up or communicated with me. This is affecting my ability to get loans or credit.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (MO)

XX/XX/XXXX using XXXX XXXX as a 3rd Party I contacted Tek Collect, after noticing them on my credit reports attempting to collect for XXXX XXXX XXXX. 

I had an unsecured loan threw my bank, XXXX XXXX XXXX XX/XX/XXXX, that loan was paid IN FULL within its time frame by XX/XX/XXXX. I obtained this loan as a XXXX XXXX  due to the govt shutdown. There were stipulations on them, and we had to pay them back asap. Under no circumstances should a collection agency ever been contacted regarding my loan with XXXX. So why did Tek Collect show up on my acct in XXXX? 

Using XXXX XXXX, I requested that Tek Collect remove their tradelines from the credit bureaus, due to my XXXX loan had BEEN paid in full. I received a letter dated XX/XX/XXXX stating that they had done so. I assumed they notified all 3 bureaus ... in the letter it stated the credit reporting agencies .... I saw their info deleted from XXXX. 

Later to find out, its still on my XXXX report. Please see all supporting documents.