davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

On XXXX I received notification via XXXX that National Credit Adjusters ( NCA ) had reported a collection which dropped my credit score by 77 points. The account NCA is attempting to collect has been in dispute for almost a year and was opened by former member of my family without my knowledge or consent. Attached are my dispute letters to the original creditor and a copy of my FTC Identity Theft Affidavit in regard to this account. Furthermore NCA made no effort to contact me about this collection and I therefore had no knowledge of this prior to today ; in fact according to the original creditor this account was sold to XXXX XXXX XXXX and I received no notification this had changed. Attached is CFPB complaint about failure XXXX 's failure to validate the debt. Also in looking at the collection as it appears on my XXXX  credit report this account shows Date Opened XX/XX/2020 and then Date Reported XX/XX/2020. This is impossible as I did not open any account with NCA or XXXX XXXX on this date. I demand that National Credit Adjusters immediately remove this collection account from all my credit bureau reports. As stated in my phone conversations with the original creditor I as told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. As I previously stated during my phone conversations with the original creditor I was told the alleged debt had been sold to XXXX and there was zero mention of NCA being involved nor did I receive any notification from NCA via mail or telephone call. I feel that this collection was placed on my credit file in retaliation to my previous complaints. I will also forward this matter to the Tennessee Board of Commerce and Insurance. If the item remains on my credit report by XX/XX/2020 I will refer this matter to my attorney for legal recourse and will seek all damages as entitled via the FDCPA and FCRA.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (OH)

XXXX accordance with the fair credit reporting act XXXX  account carmax auto and 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 15 U.S.C. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-04
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. (LA)

according the Fair Credit reporting Act and XXXX  accounts : 1. XXXX XXXX Account # XXXX 2.XXXX XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I made two payments from my checking account with TD Bank for two credit cards on Friday XX/XX/2020. One payment for XXXX dollars and another payment for XXXX dollars. Then on Sunday night I made a withdrawal of XXXX dollars. Which made the account negative. I accepted the XXXX dollar fee for that transaction. However, I was not aware that the two payments did not go through yet. I now discovered that I was charged XXXX in OD fees. That's outrageous. Especially that I am being charged XXXX dollar fee on a XXXX dollar payment! I called TD bank to try to get a refund and they said that these are the rules and there is nothing they can do. These kind of business practices are suitable for a shady 3rd world credit card company not for a reputable Bank. It is highway robbery. This needs to be publicized and TD bank to be shamed into abandoning such disgusting practices that tramples the average honest consumer. I demand a reversal of these very unfair fees.
Consumer complaint received 2022-09-23
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)

Federal Student loan debt is is {$190000.00}. These loans have been in XXXX status since XX/XX/XXXX. 

There was a class action lawsuit filed against Navient ( Formerly XXXX XXXX now XXXX ). According to navientagsettlement.com, Navient was ordered to pay restitution and cancel loans for its unfair and deceptive servicing and collection practices as formerly being XXXX XXXX and other predatory practices. According to the Navient XXXX XXXX XXXX website # 4 " Who is eligible for restitution relating to federal loan forbearance steering? ", Generally, borrowers are eligible for restitution if they : >Resided in a restitution-participating state and were serviced by Navient as of XX/XX/XXXX ; >Entered repayment on a Direct or FFEL Program loan before XX/XX/XXXX ; >Had at least one federal loan that was eligible for income-driven repayment ; >Had at least two years of consecutive verbal or administrative forbearance between XX/XX/XXXX and XX/XX/XXXX, where at least one of the forbearances was entered through a phone call, and where at least half of the forbearance time was prospective ( i.e., not used to bring a past-due loan current ) ; and >Did not enroll in income-driven repayment prior to the forbearance period. 
>Eligibility for a federal loan forbearance steering payment is not affected by the transfer of servicing to XXXX. 

Although I qualify, I was not sent a postcard, letter, or email of any kind from Navient. Upon calling Navient XXXX XXXX XXXX hotline, there was no record of me in their system or database. The loans have been in XXXX ( income-based repayment ) and/or forbearance since XX/XX/XXXX. I was told to start making complaints, etc. I was not supposed to be left off of the list according to XXXX ( Supervisor ) at Navient XXXX XXXX ( XXXX ), but there was nothing they could do. I am struggling to pay these loans is an understatement.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, and Account # 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 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 2022-12-15
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act convergent account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 2022-07-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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 a account without my written instructions
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received a text around 10 am on XX/XX/21 asking if I authorized a {$2000.00} XXXX transaction I texted back no, I immediately got a call back from a call ID 'd as Chase Bank ( XXXX ) XXXX. The man on the phone asked if I authorized a XXXX transaction to XXXX XXXX in the amount of {$2000.00} scheduled at noon? I said I don't know who that is. He said we need to reverse the charges back to you. I said how do we do that, he said go into your XXXX, put in your name, your phone number, the amount ( {$2000.00} ) in the memo type " Fraud Reversal '' I did it then he said what does it say I said it doesn't say anything it took me back out to the home screen. When I tried to go back out and go back in my account I was locked out, when I told him I was locked out he hung up on me. A number popped up on my screen telling me to call which was different than he called me from ( XXXX ) XXXX. I called that number another man answered and I said I think I was just scammed and he said no you were just speaking to Will in our fraud dept. I said ok, he said to call back the next day to speak to someone about unlocking my account. I called the number on the back of my card the next day and they told me no claim has been filed and that's when I figured out both numbers were scam numbers. Chase is offering NO refunds or help.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IA)

Company : Binance.us Account registered under XXXX Ticket number XXXX I am one of many that are victims to Binance.us internal issues that disable accounts so that we can not access funds. I have sent six ticket requests under three different email addresses to try to get a service agent to talk to me. Two weeks ago an agent asked for a verification video and document pictures and I provided it immediately. Check XXXX  and XXXX and you will see that this is widespread, perhaps thousands of people affected. Binance.us does not have a phone number or live chat option so customers get locked out and can only submit ticket requests, which go unanswered. Some people on XXXX  and XXXX claim that Binance.us locks their accounts for months and several claim for more than a year.
Consumer complaint received 2022-05-23
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: American Credit Acceptance, LLC (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 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 2021-08-05
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. (NY)

To Whom It May Concern, I rec 'd today a updtated credit report form Equifax dated XXXX XXXX XXXX. 

I have been going back and fouth with Equifax since XX/XX/XXXX and my nothing gets fixed. 

I provided them a copy of the excutive order from the internet regarding NEW YORK STATE MANADATE EXCUTIVE ORDER BY MY GOVERNER and still they put late payment on my credit report. 

I tell them I was on a forbearance due to covid 19 form XX/XX/XXXX - XX/XX/XXXX and still nothing changes on my cerdit report. 

I think, what fair, is for the credit agency blank out that period in time in the colume called SCHEDULE PAYMENT AMOUNT, just like they did for XX/XX/XXXX and XXXX XXXX.Why? because I was effective by the natual disaster covid 19 and I was on a forbearance. 
also, my mortage amount changes every XXXX and for XX/XX/XXXX my payment amount was {$810.00} not $ XXXX.Here 's another examplle on how, XXXX XXXX XXXX  continues to provide incorrect, information regarding borrowers to credit agency. 

Finally, On XX/XX/XXXX credit report there's a titled called ACCOUNT HISTORY WITH STATUS CODES : I would like XXXX to be blank too.Why? becasue it's reporting late payment during my forbearance period from XX/XX/XXXX - XXXX XXXX.Thye cam leve it blank or put a dash or XXXX. 

XXXX you, XXXX XXXX
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (NC)

The three Credit Bureau : XXXX, Experian, XXXX have fail to investigate my credit report with many errors per line per account. The credit Bureau stated my account was properly investigate but how is that possible if the open date is inaccurate, last date verified is inaccurate, last activity date is inaccurae, creditor type is listed with two different descriptions of the creditors, the account type is listed with two different descriptions, the history payments are inaccurate, closed dates are inaccurate for these accounts Account # XXXX XX/XX/XXXX XXXX Account # XXXX USDA / XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXAccount # XXXX XX/XX/XXXX Account # XXXXXX/XX/XXXXXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S. C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-04
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. (TX)

On credit report : Item # XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  ( XXXX ) In accordance with the FCRA Convergent 15 USC 1681 Section 602 A states have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am submitting this CFPB complaint in regard to the erroneous account being reported by the credit bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting ActSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2022-12-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts 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 accounts 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and UNSTOPPABLE XX/XX/XXXX. 

If you feel there is a possibility these accounts belong to me I will 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.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Current employer : XXXX XXXX XXXX XXXX deleted incorrect information as we requested on XX/XX/2022 ( attached files ) XXXX, experience and XXXX should update current employer as XXXX XXXX XXXX ( attached file to update personal information in three credit bureaus ) Docket number XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX extension XXXX [ Fax : ] XXXX XXXX extension XXXX XXXX extension XXXX XXXX extension XXXX XXXX extension XXXX XXXX extension XXXX XXXX
Consumer complaint received 2021-11-29
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. (FL)

I have accounts on my credit reports, I called Experian and and advised that i have tried contacting XXXX XXXX XXXX XXXXr and XXXX XXXX to request a copy of my signed application when the account was opened and they stated that they don't need that to put it on my credit report, I advised that these accounts are not mine to send proof and they stated they don't have any proof just want the creditor is telling them.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-04
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. (LA)

according the Fair Credit reporting Act and XXXX accounts : 1. XXXX  XXXX Account # XXXX 2.XXXX  XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

I was sent {$600.00} on Venmo by a friend of mine to help me pay for my rent this month. This money was sent to me on XX/XX/2022. I verified my identity on Venmo using my social number, birth name, etc and then they froze my account and asked me to submit my ID. 

I submitted my ID on XX/XX/2022 and was told I would have a response regarding my account and unfreezing it within 6-7 business days because they have a lot of requests I guess for their account specialists. 

This was fine. I stated I would wait the 6-7 business days and I have. The XXXX business day was Friday, XX/XX/2022 I shouldve had a response by then. 

I called support today and was told they now expect me to wait ANOTHER 6-7 business days for a response. 

Its my money. {$600.00} of mine and its stuck in this account and they are refusing to give me any real help. I need my money, to pay my rent. Now I cant pay it. I cant do ANYTHING because the money is stuck and they dont want to give it to me.