davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC ()

XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was Security Credit Services, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC (TX)

XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was XXXX XXXX XXXX, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.
Consumer complaint received 2018-01-30
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. (PA)

I've sent a certified mailing to XXXX XXXX, that was received XX/XX/XXXX, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company never responded with any validation of debt to myself or the credit bureau. XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Experian requesting that the account be deleted immediately due to non compliance. Experian sent me a new credit report dated XX/XX/XXXX advising the account information was updated. This is against the law as it's outside of the 30 window. This account needs removed, immediately. I've attached a copy of the deletion letter sent to both XXXX and Experian along w/ the associated certified return receipt. I've also attached a copy of the certified receipt for the initial contact in XXXX.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I started disputing inaccuracies on my credit report on XX/XX/2017. I have asked for phone numbers, addresses, names and physical evidence of these debts I allegedly owe. They REFUSE to send me the information, but continuously report this inaccurate information and refuses to send supporting documentation. They will tell me I need to send RELEVANT information. Well, if you are reporting inaccuracies, you should be able to back it up. They won't send me any supporting documentation and basically want me to do THEIR job. I'm not the one reporting inaccurate information on my report. They even stated they VALIDATED a debt, however, the company asked me to send documentation and another one sent a letter stating they would no longer pursue collection against me. Yet the credit bureau stated they VALIDATED the information. How is that possible when the creditor or collection agency couldn't validate it?
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act,  all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.
Consumer complaint received 2018-02-26
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. (MO)

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX aka XXXX XXXX XXXX aka XXXX Bank, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX. in regards to the account. On XX/XX/XXXX XXXX. changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX for verification. Over 30 days later on XX/XX/XXXX XXXX recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I reported to bank of america that I have a lot of charges from XXXX that sent from me because I have n't taken XXXX since XX/XX/XXXX and I sparingly take XXXX unless I 've been drinking and i rarely do that. I lost my phone XX/XX/XXXX and did n't have one until XX/XX/XXXX so I was forced to use my XXXX. The claims department on XXXX XXXX told me to reach out to the merchant and handle the issue first. I proceeded to have 300+ emails back an forth for 2 weeks. XXXX even telling me on XX/XX/XXXX that I would be refunded and XX/XX/XXXX still nothing and received a follow up email telling me to dispute the charges through my bank. So on XXXXXX/XX/XXXX finally filed the claim. On XX/XX/XXXX my claim is denied and told if I wanted to reopen my claim i would need to submit supporting documents. I asked why was n't I asked this before you closed my claim. They specifically state if they needed any information they would ask. So on XX/XX/XXXX they denied my claim and on XX/XX/XXXX I submitted 11 pages of documents supporting my claim. They officially reopened my claim on XX/XX/XXXX. Meanwhile I am sleeping in my car waiting for them to provide provisional credit because I 'm broke and have no money. They put in a hardship review XX/XX/XXXX. I repeatedly called they told me they did n't have to provide provisional credit because the claim was denied. I questioned why Was my claim denied without first requesting evidence like I was told they would. XX/XX/XXXX they denied my claim again. They stated I logged in to my online banking from a mobile device which was my XXXX but did n't give me any more info. I reported these charges promptly and was told to contact merchant. There were 15-20 XXXX charges A day. There were over a 1000 dollars in a 10 day span of XXXX charges. They did n't even bother to file my XXXX claim. They completely just disregard my claims when I have provided supporting evidence of not only receipt of stolen device but also my attempts to reach out to merchant 300+ times.
Consumer complaint received 2018-01-31
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (CA)

Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop  all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 my wife deposited {$1500.00} into a Bank of America ATM into my checking account. We used a drive thru ATM which was loacated outside the BofA branch on the corner of XXXX and XXXX in XXXX, TX. The ATM only credited me for {$500.00}, leaving me short {$1000.00}. I escalated this immediately to bank of America claims department and didn't think much of it as I was sure they would find the extra funds in the atm and return my money to me. This was not the case. The claims department sent me a note on XX/XX/2018 stating they could not find the {$1000.00} and bank of America is now unwilling to give me my money back. I have since escalated this twice to no avail and I truly feel robbed. I have made multiple ATM deposits and have never experienced this kind of ridiculous service. I'm appalled that BofA won't continue to research this and very frustrated that I'm on the brink of losing {$1000.00} of my hard earned money. The image that I have attached is the receipt of what was credited to me as well as the ATM id of the machine that stole my money.
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (OH)

We purchased a XXXX XXXX XXXX inXX/XX/XXXX.  The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. 
I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. 
I don't want to be responsible for the balance of the loan after XXXX sales the it. 
What legal action can I take. Is there a class action suit I can take part in.
Consumer complaint received 2018-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I attended XXXX XXXX  University from XX/XX/XXXX to XX/XX/XXXX. My parents did not have enough money to send me to school and I did not get a lot of money through Financial Aid so I was forced to get student loans to better myself. I was able to get a couple Federal Loans through the school but the amounts that they approved me for did not come close to covering room and board, books and tuition expense so I applied with my grandma as the co-signer through XXXX. After college I had numerous student loans that each had to be paid individually and the interest was variable and was killing me so I in XX/XX/XXXX I got online to see how I could consolidate my loans. Some were private and some were federal. I found a site XXXX XXXX who got me in contact with Navient. Navient financed my loans and no where in the entire application did it say that signing up with consolidation would I lose out on my XXXX tax deduction for student loan interest. They are not sending me form XXXX so I called and their customer service will not help me at all. I feel like I have been done wrong here and all I am trying to do is pay back my loans. I have been paying for almost 10 years now and this company is completely taking advantage of me and my hard earned money ... can someone please help me or direct me in the direction. Nothing that I signed said anything about not getting this tax advantage. Why would anyone sign away that advantage because it is the only perk to spending thousands in interested every year. Please help.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX  for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices. 

I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX. 

Regards, XXXX XXXX
Consumer complaint received 2018-02-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Experian. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Experian has failed to provide the method of verification as required under Section 611 ( a ).

Experian has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Experian updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Consumer complaint received 2018-02-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

I purchased a used car and it financed threw XXXX XXXX XXXX  XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
Consumer complaint received 2018-01-31
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. (MI)

The payment history indicates that I have paid over {$4000.00} in principal on my {$5000.00} student loan yet Navient is still stating that I owe {$2300.00}. It appears that I am being overcharged therefore I am requesting a break down of how this current amount was determined along with a recalculation.
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

The Loan servicer Navient has added more than double the amount owed as the amount of student loan and is reporting inaccurate information. I believed that most of this has been paid. I asked for records with the loan servicer and they are unable to provide where the information came from, I contacted the state of Michigan and they gave me several pieces of accurate information. The servicer is reporting more than double the balance that was transferred to them and in the past 7 years the loans were almost paid off until they were sent to Navient. I have paid over {$18000.00} and now the loan amounts have more than doubled. I have contacted Navient several times in the past 6 months and they still can not provide information on where the balances came from.