davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-07-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

On XX/XX/2021 around XXXX XXXX., a Navient Advocate called. This is in regards to a prior Consumer Financial Protection Bureau complaint made on XX/XX/2021 around XXXX XXXX. This is reference number XXXX. I spoke to a male Navient Rep several days prior and the man said " IT TAKES 15-20 DAYS FOR AN IBR REQUEST TO BE RECEIVED BY NAVIENT. '' On XX/XX/2021, the Navient Advocate DENIED full acknowledgment of a document called IBR_Validations.JPG was sent to her through my complaint. I stated, " you received a document that validates that I indeed and in fact, filled out AN APPLICATION for the IBR. My complaint is because the Navient Advocate DIDN'T EVEN LOOK AT THE DOCUMENTS SENT TO HER. The Navient Advocate stated, " There may be a document in my pile for that, but I didn't look at it. '' The Navient Advocate continues to state, " It doesn't matter, I didn't get the form. '' I told her to call me back when she can speak the truth. If I didn't fill out an IBR request form, why would I be on the https : studentaid.gov/app/repayment.action website page? How would I get an image snapshot to provide to the Consumer Financial Protection Burea if I didn't fill out the form? My complaint is that the Navient Advocate didn't even look at the provided documents and take my complaint seriously. She wouldn't accept or acknowledge that I did and indeed and in fact, fill out the IRB request form on the student.gov website application page.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (NY)

i cancelled my membership with XXXX XXXX in XX/XX/2020. The keep on renewing it without my consent. 

XXXX does not want to cancel my membership unless i come into the the location. I am located over 100 miles away due to moving away.
Consumer complaint received 2021-07-01
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: Nelnet, Inc. (CA)

I have several student loans open with Dept. of Ed/Nelnet. I am currently in XXXX still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.
Consumer complaint received 2021-07-01
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: Bread Financial Holdings, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
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. (FL)

In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

On XX/XX/2020 I suspended my XXXX XXXX XXXX XXXX service due to XXXX XXXX and service not being available in my area. At the time I was enrolled in autopay, as that was how all my bills had been paid and I did not change that. My service was to be suspended for six months. Due to XXXX XXXX I was not to be charged the $ XXXX monthly fee. However, my account was abruptly canceled and charged {$75.00} without my permission. I disputed the debt with the first debt collector, and won. They removed the account from collections. I attached the email with their response the day they removed my account from collections. 

A second collector, XXXX XXXX XXXX, attempted to collect this debt. This time I disputed directly with XXXX and informed them this was the second collection attempt. XXXX sided with me and removed the account from my credit report. 

This third company, Franklin Collections, is fraudulently trying to collect debt that is not owed to anybody since I have disputed it and won twice. It is ridiculous that debt collection companies can hurt peoples credit scores by trying to collect old debts that are not owed.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX  and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

I submitted certified letters to XXXX XXXX, and Experian advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX i sent transunion dispute letter to validate this alleged debt XXXX XXXX XXXX  XXXX XXXX XXXX and to prove ownership that this account really belongs to me. To this day they never sent me proof of this alleged debt. I am extremely stressed that Transunion is reporting unverifiable, invalidated account on my credit report. imma sue them, i cant deal with this XXXX.They are in violation under 15 U.S.C section 1692g, i was never notified of this in writing 5 days prior. I do not validate this debt. I REPEAT, I DO NOT VALIDATE this debt. They are also in violation under 15 U.S.C 1681b, i never gave any written consent to report this account on my credit report. NO CONSENT IS IDENTITY THEFT!!!
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MO)

Violation of the FDCPA, FCRA, TILA have been found. I have sent Validation letter, my request of the name and address of ORIGINAL CREDITOR, sent cease and desist, affidavit of truth, invoice for violations of the law, and Exhibits of violations. I have received collection calls and I the consumer rights have been violated. I have tried to have this issue remedied, I sent documents XX/XX/2021 and I have not received full response. I notified Discover financial services my right pursuant to 15 usc 1692h and my notice of removal of the late payments on my credit report, I have sent notice pursuant 15 usc 1666b but no response. Also according to FCRA Discover does NOT have permissible purpose, 15 usc 1681b ( 2 ) they are furnishing a report without my consent. I am not in debt to Discover Financial Services, pursuant to 18 usc 8. I am the original creditor and they are attempting to collect an alleged debt not owed by I the consumer. I have resent documents and additional information certified mail XX/XX/2021 and has notified them of 30 day timeframe.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I am writing a complaint about Citibank Risk Management and Retail services. On XX/XX/XXXX I was scammed through the internet and on the phone. I have filed crime repots with the XXXX Police Department ( XXXX XXXX ), the FBI and the XXXX XXXX Police ( Cyber Crime Reference number XXXX ). The criminals took {$400000.00} from our accounts including {$200000.00} from an equity homeowners line of credit. 

The scam started with my request for a refund from an internet software company, XXXX and XXXX. The request for a refund registered {$200000.00} instead of the {$200.00} I was requesting ( obviously a scam ). They told me and showed me on my Citibank account that they had transferred {$200000.00} into my checking account. This must have been a screen shot or a picture because my checking account did not have the {$200000.00} balance. I went to the bank and wired transferred the {$200000.00} to the scammer in XXXX XXXX. The next day they said the XXXX XXXX bank did not receive the money so I thought I wired another {$200000.00}. I did not know that they transferred the {$200000.00} line of credit from my home equity account into my checking account. In addition, they transferred an additional {$130000.00} ( severance ), and {$50000.00} from other accounts. No one at the bank at any time questioned the transfer of {$200000.00} from my home equity line of credit to my checking account and subsequent transfer out of the country. They never questioned my release of {$200000.00} for the transfer of an additional approximately {$200000.00} for a total of {$400000.00}. No one questioned the conversion of the line of credit that had not been used in over 5 years. 

What about the anti money laundering rules? Why did the bank not contact us when a huge amount of money was withdrawn and transferred from our accounts including the home equity line of credit? 

My other bank would have notified me of potential fraud. I received no notification from Citibank or their Risk Management or Fraud Divisions.

I went to the bank on Wednesday to report the scan and block the account. At that time I found out about the use of the home equity line of credit. The Bank Manager told me I had to pay back the line of credit because the transfer was completed on line. Citibank has responsibility to notify me of potential fraud and they did not do so. 

I can not even reach anyone at Citibank to discuss the case. It is my belief that Citibank did not exercise appropriate risk management and anti money laundering procedures and should be required to make restitution.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (KY)

This is a formal complaint against Radius Global Solutions for attempting to collect a debt that does not belong to me. 

On XX/XX/2021, I received a notification from XXXX, XXXX, and XXXX  stating a collection for {$230.00} was reported to my credit report by Radius Global Solutions. This debt was reported to my credit report in error. I do not haveany collections with Radius Global Solutions. Furthermore, I have never received any correspondences, written or verbal from Radius Global Solutions informing me of the debt. 

Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request Radius Global Solutions remove the collection from my credit report for all three credit bureaus, XXXX, XXXX, and XXXX  as this debt is invalid and does not belong to me.
Consumer complaint received 2021-06-30
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: Bread Financial Holdings, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

I am disputing a charge placed on my card from XXXX XXXX for XXXX on XXXX for two insurance umpire fees of XXXX for myself and the XXXX side the piublic adjuster XXXX stated he sent a refund on XX/XX/XXXX thru XXXX never seen this yet. I did email wells fargo with this email that to this day i still have not received the refund they refused to speak to my XXXX XXXX XXXX and power of attorney
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent in a dispute letter to all Credit bureaus XXXX, XXXX, and transunion on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

Primelending - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

I recently review a copy of my credit report and I realize that as a consumer Account Resolution Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
Consumer complaint received 2021-07-01
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.