davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NC)

My experiences with Navy Federal have been poor the last month. I 'm a XXXX XXXX member, so there has never been any question of my qualification to join. Sent proper paperwork to membership. Received welcome e-mail and applied for credit card, checking plus savings, and checking line of credit same day. Until a month again my account got hatch, I lost my credit card and someone withdrawn money out of my account. Navy blocked my account and they also never notified me on this action. They refuse to let me talk to a manager for about 4 months. Now one wanted to help me and they even told me i had to pay it back and make me over draft over {$6400.00} by someone who had gotten my checking account and savings account information number. I asked NFCU to investigate but they told me " it just was n't worth it ''.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (TN)

See the attached information from WELLS FARGO FINANCIAL NATIONAL BANK - I have NEVER opened a credit card with this " bank '' or had any other account with them until XXXX XXXX of XXXX XXXX, TN put my car purchase through the Wells Fargo Dealer Services that is located in XXXX, Colorado. I want this removed from my credit history and if it has affected my credit I will personally sue them and it will hit the world news. Apparently they are still scamming people and I will not tolerate this.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a payment on my auto loan but it was incorrectly applied to a credit card that I no longer have with Bank of America. On XXXX/XXXX/XXXX, I called and spoke with someone who said that they would fix it and provided me a resolution # XXXX. I checked my account a week later and the payment was still applied to the wrong account. I called and spoke with another representative who told me not to worry about it. It has now been over 2 weeks and the issue has not been corrected. My payment due date for my loan was XXXX/XXXX/XXXX and it is now 2 day past due as a result. I am concerned that my credit is going to be affected in a negative fashion due to this error. This needs to be corrected now.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P. (WA)

First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?
Consumer complaint received 2017-12-20
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. (IL)

The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NJ)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone " we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, Transunion, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XX/XX/XXXX. 

None Account Inquires -XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX )
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Credit File : XX/XX/XXXX Confirmation Number # XXXX CFPB Complaint # XXXX XXXX XXXX XXXX XXXX is not showing on my credit report as stated by Equifax there was no reply back from Equifax since XX/XX/XXXX needing more time So what is XXXX XXXX XXXX XXXX saying on something not on my file.
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (DE)

I have a collection from this agency and another on my credit report, The agency i would be addressing today is I C SYSTEMS Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. XXXX Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is XXXX of the XXXX agencies holding me back due to a debt that is in fact not mine XXXX XXXX XXXX XXXX. I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX XXXX XXXX ), to even sign a XXXX.
Consumer complaint received 2017-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK (PA)

I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

Over the last 6+ months I have been trying to get Navient to process a recertification for an income based repayment plan on my student loans. First in XX/XX/XXXX then again in XX/XX/XXXX. In both instances I was given miss information by Navient customer service as well as told I did not complete the process ( which I have done for several years now ) incorrectly. In addition Navient applied a forbearance to my account when I expressed my desire to pay a past due amount. The representatives continually provide miss information and as result have cost me several thousands of dollars in accrued interest as well as severe hit to my credit report and score
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The XXXX reporting agencies ( Trans Union LLC, XXXX, and XXXX ) are reporting fraudulent information in the public on my credit report and others, based on biases, even going as far as attaching my daughter 's credit profile on my credit report, when it is clear that we have very different Social Security Numbers and names. This is evidence of how unregulated credit reporting agencies are, and how the Enforcement Agencies are not doing their jobs. This is a sign of desperation on the part of the credit reporting agencies to make money and attack the American Consumer. CFPB has lack doing their job of Protecting the Consumer. We as the Consumer has no contract with the reporting agencies. The Reporting agencies has created bias toward XXXX groups of people. Which the major groups of people are XXXX and XXXX. These XXXX groups of people are targets by credit-reporting agencies, the agencies continue reporting fraudulent information ; ignore the Federal laws, and not properly verifying the information on the consumer credit reports. They are not showing the consumer the verified information of their process as evident of their verification. Then the credit reporting agencies lower the credit scores after the negative, collections, and wrongful information is dispute and removed. The reporting agencies continue to report the unverified information without evidence to prove the account are correct. Trans Union LLC, XXXX, XXXX has not sent the original contracts to me the consumer as evidence of their report by which the law requires. Compared to other groups of people, the XXXX XXXX 's and the XXXX 's scores remain very low despite the information on both groups ' credit reports being the same. I am reporting this information to CFPB first as an enforcement agencies as requires by law. My next step is to have both CFPB and the XXXX credit reporting agencies investigated for violation of the law, and violation of not enforcing the law ...
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX XXXX is reporting accounts in the amount of {$6300.00} {$10000.00} and XXXX XXXX {$440.00} which is fraudulent accounts and I have been filing disputes when I first learned of this information in 2013 from then to now present I involved XXXX XXXX to assist me nothings changed also I have hard inquiries that I have never applied for such applications please direct me to resolve these issues thank you also due to these data breaches with XXXX and XXXX I have been overwhelmed with 100 's of calls scams and false emails I have been attacked constantly my Identity has been stolen for some time now and I was n't notified by either company Im receiving false reports on my credit report and has reports of fraud on my bank account from XXXX which is now closed please assist me in getting these issues resolved Thank you XXXX XXXX all documents are reported on my credit report other than emails that are scams
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC. (VA)

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I currently have a private student loan with this company. I have called them asking for my monthly payment to be lowered because I can not afford the payments in addition to my other bills. The rep took all of my expenses and came back and told me I can not get my payment lowered because I recently got a new car and I have credit cards with available money to use and balances on my credit cards which is incorrect because my credit report is not updated. I am trying to make my payments so I do not XXXX my credit and they are not willing to help. I did not knowing buying a car to get to work and to get my child to school would mean I can not lower my student loan bill. I am living paycheck to paycheck and have to not buy food sometimes so I can make my payments and this company is OK with that as long as they receive their payment.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MD)

I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.
Consumer complaint received 2017-10-18
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: LEXISNEXIS (TX)

LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I filed a dispute with Equifax on XXXX XXXX XXXX 2017 about a count the revolving and reporting open when it was closed and paid in full also on XXXX I tried to dispute the name XXXX XXXX XXXX
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IN)

On XXXX XXXX, XXXX I applied online for a XXXX XXXX XXXX On that same day XXXX XXXX did a hard inquiry on my XXXX credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my XXXX report that my application would not be processed. I had also received a letter from XXXX stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my XXXX report and will only consider my application if I allow another hard inquiry. XXXX will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next two years and I got no benefit from it.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

Equifax : I 've been trying for over a week to place a credit freeze on my Equifax credit report due to the recent credit breach of their systems. My complaints are : - Their online portal is not working/will not process my request - They have eliminated any phone numbers reach a service representative from their web page. All of the phone numbers point to IVR (  automated phone systems ) that end up disconnection your phone call - When I finally found a legitimate phone number to contact a service agent ( ... I had to log into their web site through and old account I had with Equifax ) and called, the agent would not process my request and told me my only option was to call back during the work hours of XXXX. 

Placing the credit freezes through XXXX and XXXX each took less than 10 minutes to process ...
Consumer complaint received 2016-10-12
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Control Technology, Inc. (FL)

I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as XXXX
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

My credit card company arbitrarily duplicated many of the monthly payments I made on my account but has failed to reflect any of the extra payments that were made on my account and continue to not show these credits to my account for all of these extra payments. It is nearly 2 years worth of extra payments and almost every month. A total of over {$6000.00} dollars of payments they continue to fail to reflect on my account. I have documentation of all payments taken from my bank account and I even have copies of all payments using the credit card companys online history. Even with al of this, they still have failed to issue the credits for all of the payments that were made and reflect them on my credit card account.