davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

This card been reporting on my credit file for about three years, I went through the credit bureaus and I went through the original furnisher which is XXXX/TD bank, I informed them that this account was fraudulently obtained in my name they sent me out a fraud packet, well I think TD/XXXX sent this account to a third party and may not really be the collector however they are the ones that is reporting on my file .... but they sent me a fraud packet I filled it out paid my {$10.00} to have it notarized only to not ever hearing back from them, the investigation should have took no more than 30 days, I need them to remove this account from my file or send me the original contract for this account as stated in the fcra guidelines and I know they dont have any contract because I did not open this account .... I need them to remove this account this been going on way too long with no resolution, so I finally have to file this complaint before taking legal actions against this company ....
Consumer complaint received 2018-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

This evening, XXXX/XXXX/XXXX I called, yet again, the Navient call center. After being assured by a phone call in XXXX and by response to my complaint to the CFPB just a couple weeks ago that the fraudulent forebearance that Navient put my account in would be reversed and my accounts would be set back to the proper repayment plan ; it became apparent today that this did not occur. For more times than I can count Navient has yet again lied about consumer 's repayments. 

My payment is supposed to be {$100.00} set up via autopay on the XXXX of every month with the first payment at this amount being on XXXX XXXX, XXXX. However, only {$37.00} was autodrafted yesterday with 2 of my account suddenly showing that they do not enter repayment until XXXX/XXXX/XXXX. This is FRAUDULENT information again, as they were to enter repayment on XXXX/XXXX/XXXX. Navient is attempting to steal money from me by continuing to gain interest they do not deserve. 

When I called tonight I was LIED to by the first customer service rep. I explained the issue that was occurring and all she would say is autopay is set up for XXXX XXXX ... she would n't even read the account. USELESS. Then she claimed there was no one there to help me when I requested a manager saying I would have to wait for a call back in 24 to 48 hours. After threatening to yet again report Navient to the CFPB, suddenly she found a supervisor. Obviously these agents are told to try and put consumers off with lies so Navient can keep collecting interest they have not earned and to keep consumers in the dark on their repayment plans. 

The supervisor refused to help me because apparently by reporting them to the CFPB I now am not able to be serviced by the contact center, only an " Advocate '' is allowed to speak to me. She can not give me a name or a phone number for these supposed " Advocates ''. 

So now Navient is retaliating against consumers that report them for their fraudulent operations and refusing to provide any customer service, repayment assistance etc. 

WHAT WILL IT TAKE FOR YOU TO SHUT THEM DOWN??!!!
Consumer complaint received 2018-01-05
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. (PA)

Date : XXXX XXXX, 2017 Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not or ever was my address I have listed the right one
Consumer complaint received 2018-01-04
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: Experian Information Solutions Inc. (CA)

I disputed the reporting of XXXX XXXX XXXX reporting a $16000+ outstanding balance.  This account was included in bankruptcy and NOT reaffirmed.  I submitted a copy of the US Bankruptcy Court's denial of reaffirmation multiple times to Experian, XXXX, XXXX and XXXX XXXX XXXX and it was not corrected.  In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Consumer complaint received 2018-01-04
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: JPMORGAN CHASE & CO. (CA)

I disputed the reporting of Chase Auto Finance reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, XXXX, XXXX and Chase Auto Finance and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Consumer complaint received 2018-01-04
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: Experian Information Solutions Inc. (WA)

I have a charged-off XXXX XXXX XXXX credit card on my Experian, XXXX and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (CA)

I filed a complaint with CFPB which Ally closed but the issue has not been resolved. As of XXXX/XXXX/XXXX their fraud department updated me that they confirmed my identity for the fraudulent loan based on my identity documents I submitted. However, the individual using my social security number to open the loan has not complied and has not responded to their requests to confirm his identity. Ally said they are still investigating the matter, but they will likely let the individual keep the automobile and loan because he has been making payments. I asked for written proof that my social security number is dissociated with this fraudulent loan and removed from my credit profile, which I was told they would not do. Ally said they will not provide anything in writing to prove that they have taken steps to dissociate my information from this fraudulent loan and that they can only give me their word. I do n't find this a legitimate manner of doing business and do n't understand how they can deny providing written proof that they will do what they are stating on the phone they will do. I question their underwriting process that allows them to approve auto loans when 2 individuals with different names are listed under the same social, especially since I have a fraud alert on my credit file.
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (WA)

I have a charged-off XXXX XXXX XXXX credit card on my XXXX, XXXX and Equifax reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (IN)

I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.
Consumer complaint received 2018-01-05
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. (PA)

Date: XXXX XXXX, 2017Report # XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Never lived at this address. This is not my address. Wrong information by Experian.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (AL)

This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXXXXXX, I attempted to make a withdrawal from my payroll card and discovered that my entire pay had been withdrawn. I called the number on the back of the card, which was issued by Bank of America, and was advised that the money had been withdrawn in XXXX County, Florida that morning. I filed a dispute by telephone and was given instructions to send written documentation. 
On XX/XX/XXXX, I received a letter from Bank of America stating that they had determined that there was no fraud and they had closed their investigation due to " inconsistent, conflicting information ''. This was before they could possibly have received the documentation that they requested. 
I received a new payroll card and did receive my next payroll, but did not receive any of my money that was due to me on XX/XX/XXXX. 
On XX/XX/XXXX, I faxed an appeal letter to Bank of America with all documentation proving that I had not been out of the State of Texas in XX/XX/XXXX. In fact, I had been at work for XXXX, XXXX, working on the Toll XXXX extension in XXXX County, Texas. My card had been in my possession the entire time. 
In fact, it would have been impossible for anyone to have used my card to withdraw my pay in XXXX County, Florida and be back in Texas when I used my card at the ATM in XXXX, Texas. Bank of America is well aware of this fact, and it is my opinion that they closed the fraud investigation without any investigation at all. 
I have called repeatedly to inquire about the status of the appeal and have been told that they have 90 days to investigate it, and that they will not credit me for the amount while they investigate. This has created a hardship for me, losing my entire paycheck to fraud and I have no way to prevent it happening again.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OK)

My concern is that I was recently informed by Nelnet that I do not qualify for the Public Service Student Loan Forgiveness Program. I have been a XXXX XXXX for 10 years beginning in XX/XX/XXXX, and therefore have made over 10 years worth of student loan payments to Nelnet. I consolidated my student loans in XX/XX/XXXX when I graduated from XXXX XXXX. 

I was told that I do not have the right type of loans to qualify for the forgiveness program. This comes after YEARS of understanding that I would qualify for the program. Nelnet has recently indicated that the only way for me to qualify for the forgiveness program is to re-consolidate my student loans and make 10 more years of payments since none of my previous payments would qualify. 

I feel like Nelnet and the Federal Government has mislead me with an understanding that I would qualify for the forgiveness program. 

Thank you
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (FL)

A client of mine sent me an email with a link to payment made through an app called XXXX. In order to receive the funds, {$1500.00}, I had to enroll in their system as my bank, XXXX, was not a part of the system. After two hours of trying to use their app which is rated a one star for obvious reasons, I contacted support and the tech person said my phone signal was n't strong enough. Of course, that is nonsense. This service is a scam and I can not receive payment through them. I have the email from my client and a file number ( XXXX ) from XXXX regarding this issue. Please close them down. A search of the net will provide sufficient evidence of their malfeasance.
Consumer complaint received 2018-01-05
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: ENOVA INTERNATIONAL, INC. (VA)

Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : CashNetUSA. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been getting phone calls by various locations several times a day back to back to back. I do n't answer random numbers so I blocked some and just let others ring for weeks. After about two months i decided to answer it and it was my Bank ( Bank Of America ) calling from an automated line and I was furious after finding out that it was an automated line blowing up my phone for months. This was a call to collect a debt. I was so confused what I was in debt for so I called the number they gave me. I 'm always so scared to fall behind on my credit card which is why I set up automatic payments to come straight out of my XXXX debit card to pay my BOA credit card. So I decided to call and after waiting on hold for 10 mins they had told me that my credit card is almost {$700.00} past due. How is this possible when my credit card limit is only {$500.00}. I should have only only had about a {$200.00} balance on this card. They never told me that those automatic payments expire after a year. They had all the wrong information in there system. They had the wrong address so I was not getting the statements to be warned I was missing payments. The lady I spoke with had told me I can have these late fees waived and I said yes absolutely, however i would have to pay the initial {$200.00} balance before waiving the fees. I paid the balance off and updated my info in the system and she said I would get my new statement in about a week. I finally got it today which was about three weeks later and it still says I owe {$350.00}. Futhermore they set up my automatic payments again to start paying for the late charges. The fees were never waived and I dont think it is very fair that I owe them this money when I received zero notification of the late fees and the fact that my automatic payments expired. Not to mention in the process of this they revoked this credit card, so I have no credit card anymore and they still expect me to pay these fees when Ive already paid what ive used on the card.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

I filed a dispute on XX/XX/XXXX with Chime about 3 transactions for {$110.00} that were not as described and defective merchandise. On XX/XX/XXXX Chime sent me a email denying my claim. I believe that they violated my rights as a XXXX cardholder. XXXX 's Chargeback Management Guidelines for XXXX  Merchants Section XXXX Reason Code XXXX.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NE)

The U.S. Bank Mortgage Loan Originator, XXXX XXXX, at the XXXX, NE Branch provided XXXX XXXX and XXXX XXXX with a Purchase Ready Buyer Certificate on XXXX/XXXX/XXXX. The clients changed their last name to XXXX prior to presenting a Purchase Agreement contract offer on a property located at XXXX XXXX XXXX XXXX XXXX, NE XXXX dated XXXX/XXXX/XXXX. We were presented 3 other offers which were similar in terms and provisions. We chose U.S. Bank 's client, the XXXX 's offer, based in part, on their Pre-Approval status with U.S. Bank as stated in the Purchase Contract as well as the Purchase Ready Buyer Certificate. We were notified by XXXX XXXX via a denial letter that U.S. Bank was unable to originate the loan on XXXX/XXXX/XXXX. That is a span of 44 days and happened to be the date they were scheduled to close on the sale of the property. This is completely unacceptable and demonstrates a very poor business practice not to mention gross negligence by U.S. Bank 's employees. Subsequently, this required us to provide another months mortgage payment, insurance and utilities on the property which we had not planned for nor budgeted thinking U.S. Bank 's client, the XXXX 's, were good for the loan as stated by the Purchase Ready Buyer Certificate and Pre-Approval status on the Purchase Contract. It also caused us to put the property back on the market and may cause additional financial hardship in the event we ca n't close prior to the next mortgage payment due date. The reason for the denial as stated in the denial letter was that XXXX was not able to verify his ITIN. This should have been verified prior to Pre-Qualification in the first place. The certificate is a deceptive instrument used to give everyone a false sense of confidence.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal continues to contact me about payments to my account I have a certified letter on file with them about contacting me about payments. I make my payments to them monthly even if I have a late fee I pay that. I have been out of work since XXXX 2016 yet I still make my mortgage, Auto and XXXX payments to them every month. I have filed several complaints with CFPB about this same issue. One was completed just this month where Navy Federal again apologized for ignoring my certified letter that I have on file with them. I called Navy Federal and ask why they were still harassing and the representative stated that they should not be contacting me because it is highlighted on my account not to do so yet they are continuing to contact and harass me.