davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

XX/XX/XXXX - I contacted Navient about my Borrowers Defense Application XXXX write-off of {$21000.00} on XX/XX/XXXX. Through-out the process they had me in deferred payments but were able to increase my interest rates and apply interest on the amount of the loan. I also received zero notification when they just decided to turn back on auto-pay several times during the dispute process. Prior CFPB Complaint closed on XX/XX/XXXX - I however did not get a write-off amount until XX/XX/XXXX which was promised to be over a year prior to this date per the initial APPROVED letter and payout schedule of the XXXX XXXX XXXX case XXXX I negatively incurred interest and fees which was practice and for which Navient subsequently has been sued by CFPB v Navient Corp. who is now banned from servicing loans. I have been directly affected by these issues and would like to receive compensation for my overcharges in fees and interest, and the punitive damages owed from the Victim 's Relief Fund Civil Penalty Fraud. I asked them for the proof of my payments, fees, and interest they specifically advised me as such '' Your balance prior to the discharge was over XXXX XXXX, If you have questions regarding your discharge amount you may contact Borrower Defense to Repayment Hotline at XXXX or visit https : //studentaid.gov/manage-loans/forgiveness-cancellation/borrower-defense. '' I explained to the agent that as the servicer they should be able to provide me the complete transaction history. I called the Borrower Defense line while chatting with the agent, the Borrower Defense advised that the agent needs to indeed provide that information they do not have that. I would like all the overcharges in fees and interest to be refunded for the life of the time I initially incurred the loan for XXXX XXXX XXXX since XXXX refunded.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (MD)

This company is reporting fradulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account also other documents so that I may review to see if these accounts actually belongs to me
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS ()

I am writing to formally lodge a complaint against LexisNexis Risk Solutions concerning the inaccurate reporting of a bankruptcy on my credit report. This erroneous information has significantly impacted my creditworthiness and has caused considerable distress and inconvenience. 

I recently obtained my credit report from LexisNexis Risk Solutions, which erroneously included a U.S. XXXX  Court item. As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if a credit reporting agency can not validate the information with the original creditor, they must remove said information from the consumer credit file. 

In correspondence with the U.S. XXXX  Court, I have been informed that they do not provide information to credit reporting agencies, nor do they validate or confirm public records. 

The court emphasized that they are not responsible for the collection, validation, or dissemination of public record information by third-party providers like LexisNexis. 

Despite this, LexisNexis has not verified this public record entry on my credit report. The XXXX  Court has confirmed that LexisNexis has never validated or verified this public record, and they do not provide any information for credit reporting purposes. As such, the inclusion of this erroneous information on my credit report constitutes a violation of the FCRA. 

I have formally requested that Lexis Nexis provide me with copies of all documentation associated with this public record, including any court orders or authorizations bearing my signature. I have also demanded the immediate removal of this incorrect public record information from my credit report. To date, LexisNexis has not complied with my request. 

Given the apparent violation of the FCRA and the severe impact this inaccurate information has had on my credit report, I am seeking the intervention of the Consumer Financial Protection Bureau to resolve this issue. I request the CFPB to : Investigate LexisNexis Risk Solutions ' practices in handling and verifying public record information. Ensure the immediate deletion of the incorrect bankruptcy information from my credit report. Implement measures to prevent such inaccuracies in the future. 
I have enclosed copies of my correspondence with LexisNexis Risk Solutions and the U.S.

XXXX  Court for your review. I trust that the CFPB will take appropriate action to address this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2023-05-19
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: Resurgent Capital Services L.P. (TX)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-05-19
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have multiple times provided proof of funds received I will attach. I FULLY PAID XXXX XXXX they Received funds on XX/XX/XXXX but is trying to extort more money by using a second company XXXX XXXX XXXX they own to attempt to extort more money on something that is already paid in full I believe they are targeting me because I am a XXXX veteran. XXXX XXXX  and XXXX XXXX XXXX are violating my rights and using unethical practices in attempt to extort money from a XXXX veteran. -- -- in response to letter from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL, and TRANS UNION has been doing this since before XX/XX/XXXX, to the present. Due to the fact that these accounts have been closed since XXXX and have been fully paid for, Transunion is reporting inaccurate and false information. Balances and all information are false since they lack factual basis. XXXX XXXX XXXX XXXX XXXX Disclosure Transunion and all businesses are violating the law negligently by presenting this material as accurate. PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting XXXX XXXX XXXX XXXX XXXX Transunion and all companies are negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXX capital services and Transunion are violating My consumer rights and FCRA laws . XXXX XXXX XXXX XXXX XXXX is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX XXXX XXXX XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC. (CA)

I signed up for this account which featured unlimited ATM reimbursements, I confirmed via Chat that this was still a feature I had. I was not reimbursed for that fee.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Collection Service, Inc. (IL)

I have been receiving multiples text and calls from ICS- Collection Service on XXXX, and XX/XX/23 I called ICS on XX/XX/23 6 times each time I called ICS Collection Service they hung up on me when I asked questions are the legal owner of alledge debt I was told to provide name and birthdate I told them they should already have information in front of me I spoke with XXXX on XX/XX/23 XXXXXXXX XXXX she states ICS Collection Service does not have ownership of alledge debt so she hung up in my face the first young lady I spoke I didnt get her name hung up as well they couldnt validate debt to me on the phone Im being harassed by ICS Collection Service daily when I call they want to hang up in my face . This is the second Collection Agency contacting me ( XXXX XXXX XXXXXXXX XXXX  with exact same alledge debt calling how can they both trying to collect on same alledge debt this has to be illegal. I recorded all calls I informed XXXX before conversation started
Consumer complaint received 2023-05-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

I have been behind for several months with Mr. Cooper. When I call in to talk to them about my options, I'm always told withdrawing from my XXXX is my " best option ''. It's been a fight to get them to even entertain the idea of a payment plan or hardship plan. I was recently on a hardship plan with them and missed a payment due to job loss. They then declared my loan " over 6 payments late '' because my missed payment violated the hardship program agreement. I'm not 6 months behind. This number is staggering. I don't understand how I was making payments to the hardship program but somehow those payments didn't count towards bringing my loan current? 

I called today to request reinstatement of my loan as it is now in foreclosure for the past 14 days. I've been told that I have to call back in to " see if the quote has come in '' next week. 

This loan company does not care at all for anything other than getting money. As long as you pay them, you're golden. But if you slip, they let you fall and they do little to nothing to help you get out of that. I know for a fact in XXXX over 750 complaints were filed for this company. I'm not alone. I've read the court documents. This is a predatory loan company and they don't care about helping people stay in their homes at all. Just money.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

My complaint is that Transunion is getting revenge for a previous complaint I filed by eliminating my name and SS # from their database. 

They have repeatedly lied to prevent me from logging in to my Transunion account. They claim that there is a problem with the library computer I am using, or with the browser- but there is no problem with it, as I have used the same computer and the same browser they recommend to log in to other accounts. And Transunion recognized my name & SS # just recently, as they send me an email to change my password- which didn't work, as per previous complaint, but it DID recognize my name & SS #. Just recently, since filing a CFPB complaint, Transunion has removed my name & SS # from their system. Is this revenge for filing the CFPB complaint? 

I don't just want my credit report, I also want to be able to access my information online regularly without going through this hassle, possibly to put a lock on the account or for whatever other reason. Just sending me my credit report is NOT sufficient. I want to be able to log in to my account- like I used to be able to.
Consumer complaint received 2023-05-19
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. (FL)

I am requesting a proper consumer investigation on the account listed below. 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 1681XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. Provide me a copy in writing and signature where I have given this company written permission to furnish my information. 15 U.S.C section 1681 i ( a ) also states if you can not provide proof of accuracy, all listed accounts must be deleted if they are not 100 % accurate and correct. This is illegal and a serious legal matter. After speaking with my lawyer, they notified me that you have 30 days to present the proof or delete accounts listed. I have included a copy of my driver 's license and social security card for identification purposes.
Consumer complaint received 2023-05-19
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. (VA)

Account name : XXXX - Acct. # XXXX, Account name : XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # 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 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 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WI)

I am a victim of identity theft, and I did not make these charge ( s ).

I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close this account.

I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft.

Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

To whom it may concern ; A few weeks ago, I noticed multiple issues reporting on my Experian credit report ( monitoring ) that were both fraudulent and inaccurate and contacted Experian 's Fraud department to dispute these items. Here is a breakdown of these items on my credit file : INQUIRIES XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) I do not understand why this company XXXX ' continues to have my credit pulled. I have called them multiple times concerning the first time they did this XXXX. They stated that someone had applied for an apartment lease. The same was told to me yet again when this occurred now for the second time just one week ago. I am currently in corporate housing through my employer and will continue to be until XXXX XXXX, 2016 when my contract runs out. Henceforth, I am certainly not looking to rent apartments on both Coasts in XXXX and California. One of these inquiries was for an apartment in the XXXX area and the other was for an apartment in the California area. I want for these to be disputed as fraud please. As for the XXXX XXXX inquiry, this too just apparently happened. I am unaware of why this was pulled. After speaking with XXXX, they told me that my credit was pulled concerning an attempt to open an account. I explained to them that this was not done by me and to please remove it. I was told that they do not remove any inquiries for any reasons whatsoever. 

ACCOUNTS : XXXX XXXX XXXX XXXX CREDIT CARD Acct : XXXX Opened : XXXX, 2016 Limit : {$5000.00} Balance : {$4900.00} While I am not disputing this account as fraud per say, I am disputing that this card was in fact used to make unauthorized transactions on several websites including ; XXXX and XXXX just to name a couple. I have spoken with the bank on multiple occasions and have even contacted Experian. At this juncture, the balance being reported is inaccurate because of these charges. So, in summary the account itself is mine but I have had multiple unauthorized charges on both this account and a couple of others that I had with XXXX and was forced to close those down to protect myself. 

I certainly appreciate all of your help up to this point. You will see that upon further research, I have been a victim of identity theft and have dealt with these issues all year at this point. However, I am at least making some headway in trying to clean up what has happened. Please feel free to call me anytime at XXXX if you need further information from me in order to help expedite this process. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Couch Lambert LLC (TX)

I signed up for an XXXX XXXX card  for the Company, The XXXX XXXX, XXXX and was told at that time that I would not be personally responsible for this account and that it was a company account. The card was used only for company expenses and purchases. I was personally sued for the amount of {$19000.00}. While dealing with XXXX and covid I was not able to get anything done about this. I was made an offer but could not afford to handle this at that time. XXXX got a judgement for the amount stated. 
I was never contacted again. On XXXX XXXX a garnishment was placed on my Husband and my bank account for {$39000.00}. I understand that I am probably responsible for the {$19000.00}, but to take and extra {$20000.00} from my account is a strain on me and my family and should be returned. This is way out of line for Attorney fees for a unsecured credit card case. These funds were put here for medical services and payments. At this point we have no where to turn. We have had no correspondence with this company and have tried to reach them for the past week. Calling and being on hold for hours at a time. I have tried to call them every day this week to no avail. We have not received any notices or any correspondence from them, and have left numerous messages on the voice mail. The law firm that we called gave me another number to call and told me that the firm has merged with them and to call them, again no one will answer and I could only leave a message in which I have left quite a few. 
This is really causing me a hardship.