davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a capital one venture card that i use as my main credit card. They recently made a change to their security so that I can no longer use third part transaction montoring and payment applications. I have about three different services that use, that do not work now b/c of the change. Given it is my account and my money that I'm spending and they are collecting pleanty of fees, I think they should allow their customers full access to the data and payments whenever and however we would like.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

I am a cosigner on an auto loan with the 5th Third bank. I co-signed the loan in good faith and all auto payments are made on time and the account is up to date. Yet on a daily basis I receive calls from 5th Third Bank trying to collect money for unpaid auto loan balances which don't exist. I signed as a co-signer on a auto loan for my son-in-law and daughter who maintain the account in good standing. I have on a daily basis explained this to 5th Third Bank to no avail. It seems, short of changing my phone number, I'll not be able to stop this attempted false collection of debt without your help. I am harassed daily by the collections department of 5th Third Bank for collection of non-existent debt and yet when checking with the 5Th Third Bank Loan Department by my son-in-law everything is up to date, no overdue payments etc. The bank has threatened reposition of the vehicle if these non-existent overdue payments aren't brought up to date. How this bank can harass an up to date account in this manner I simply don't understand. I actually have little information on this account except I do have the account number which I can provide you if necessary. Any help you can give me in this matter will be greatly appreciated. I am simply tired of the daily harassment by this company.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (SC)

I received a call from someone reporting to be from XXXX XXXX attempting to issue me a summons to appear to court for a debt that was owed to XXXX XXXX. They said that they sent me a notice 45 days ago and if I did not pay today that they would sue me. I gave them my email address so I could see the paperwork that they sent to my address. I then called XXXX XXXX ( previous XXXX ) to confirm the debt. Representative from XXXX XXXX said that they are not reporting and debts from me.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (TX)

Around the beginning of XX/XX/XXXX, I was contacted by Student Advisors who told me that they provided " student debt services '' and could get student loan forgiveness through them at a certain fee. Being deceived, I signed an online " contract '' w/ them to start using their services. Their " financer '', XXXX XXXX XXXX has since w/drawn {$130.00} twice, once in XX/XX/XXXX and once in XX/XX/XXXXwith a third w/draw scheduled to be w/drawn from my credit card on XX/XX/XXXX. I have spoken to a XXXX XXXX, an XXXX XXXX, an XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and a XXXX. All of them told me that the work directly w/ the Department of Education to get student loan forgiveness, and they were very deceiving and convincing. Seeking relief from student debt, I had already been contacted randomly inXX/XX/XXXX, by another " company '' that I forgot about, Student Advocates whose " financer '' is Equitable Acceptance. I have been making payments of {$39.00} ( sometimes a little more or less ) plus interest monthly since the above mentioned date. Being XXXX, I have sent both these companies copies of my tax returns, paystubs, as well as sharing private, legal information such as my Federal Student Aid ID w/ them after being deceived into doing so. XXXX XXXX XXXX claimed that they work directly with The U.S. Department of Education. Equitable Acceptance claimed that they work with my student loan servicer, XXXX. After speaking to XXXX, The Department of Education, and Federal Student Aid, FSA, they told me that they don't work with third part entities and that neither one of these companies have been in touch with them.
Consumer complaint received 2021-01-12
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. (FL)

I applied for the student loan forgiveness due to the school I went to was not accredited and I was not able to obtain a job.This school also closed down I was not able to obtain my transcripts so I can go to school again.I reached out to the they told me to teach out to the Department of Education so I did.The department of education told me to reach out to them they can help me with this issue.I was advised today by Navient I have to reach out to the department of education again.Why should I pay for a loan for a school that was not accredited and I'm not even able to get my transcripts because the school closed down.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO CALL!
Consumer complaint received 2018-07-22
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. (MI)

I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
Consumer complaint received 2018-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ND)

Co-signed private loan for my son on XX/XX/XXXX. Began paying on loan XX/XX/XXXX. Have paid {$23000.00} on an original loan of {$16000.00}. According to Navient I still owe {$19000.00}. Have made timely payments. This company is currently being sues for predatory lending practices. This company has acted fraudulently. 

XXXX XXXX
Consumer complaint received 2018-07-22
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. (CA)

Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, Equifax, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, Equifax received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from Equifax. 

I want to file a formal dispute against XXXX, Equifax, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC (MN)

I notified Big Picture Loans 2 times last week that I revoked automatic debits as I temporarily lost my income. Even so, they tried to debit my checking account this morning resulting in a {$33.00} fee for me. In with this, I have come to understand that the interest charged is not within what Minnesota Law allows. I am willing to make some kind of agreement to make payments once my income resumes, however, I request to negotiate the interest and I request the revocation be immediately honored. I also request the they refund the fee I incurred as I sent the revocation in writing. Last, since I had a prior loan and was charged an illegal interest rate I request that an adjustment be made.
Consumer complaint received 2021-01-12
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. (CA)

I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

Loan was paid off on XX/XX/2018 at Wells Fargo XXXX Branch, Washington. 

Was informed that title will be mailed in 4-6 weeks. 

Contacted WellsFargo on XX/XX/2018. They again said that it will take additional 4-6 weeks and would not do anything to rush that process I feel struck in the situation, as DMV said they can rush the title if they want, since its the fault of processing on Wells Fargo part, they should rush the title to me so I can move with my life.
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (CA)

They opened the loan in a different market, I'm in California and they opened the account in New York. I can't go inside a bank and make payments. I can't not link my accounts to monitor payments because it's in a different state. The phone customer service payment department isn't open on the weekends to take payments. My first payment was late because I had to wait until Monday to make the payment which was a date late. The phone reps did not provide confirmations numbers for payments. I've made two phone payments, none provided confirmation numbers. They are able to access the account anonymously without leaving an electronic trail. There is no name of the rep who opened my account. They refused to provide names when asked. I have no received statements.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there was a real big computer glitch, which was TransUnion 's problem not mine, the glitch caused my inquiries to be deleted, TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added, being that it was there fault that they had a glitch, now I being held responsible and these inquiries added a hardship to m, and now my rights are being violated by TransUnion. please I 'm asking you CFPB to help me make TransUnion stop victimizing me and other people. I 'm Asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am filing a complaint about Transunion XXXX XXXX agency I have attempted to contact them over phone and did not get proper help. I have unknown inquiries on my credit file an its dropping my score drastically. 

Here the list of the inquiries : XXXX BANK XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX ALASKA XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX BANK Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX BANK XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX AUTO Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX BANK XXXX NA Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XXXX. XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX, Not Elsewhere Classified ( XXXX ) XXXX
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

This is regarding 3 XXXX credit cards that have been already closed and I dispute any card closure that is associated with me ( If even closure has to be posted on the credit report then there should only one closure for the account due to the fraud related with the credit card, there are closing of same credit card with three entries ). I have already filed a police complaint about the misuse of the credit card and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. Please remove the three entries of the closure of the same credit card that has been posted on my credit report, for which I am not responsible.
Consumer complaint received 2017-10-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. XXXX  gets away with XXXX and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. XXXX refuses to investigate again after they did one time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.
Consumer complaint received 2017-10-17
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: FIRSTBANK (CO)

Firstbank-sest market closed my acct. over a deposit error I made by accidentally using the wrong check book. They say I owe them XXXX} but I only owe them XXXX}. I would like this off of my chex systems report, after I pay them the XXXX
Consumer complaint received 2017-10-18
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. (CA)

XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX  alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau Services, Inc. (MT)

I received a credit monitoring alert ( XX/XX/2017 ) that 2 medical collection ( one for {$30.00} and the other for {$650.00} ) had been placed on my credit report. I have NEVER received any phone call or written communication regarding these medical accounts. I called the original creditor and they stated that I was not listed on the account and that they had NOT reported anything to a collection agency. I then called the collection agency and asked why they reported the account when the original creditor had not reported it, their response was that I was still linked to my ex-wife 's accounts. I told them I have been XXXX  for 4 years but the collection was only a few months old. The collection agency stated that they took the liberty of reporting the account on their own behalf to the 3 CRA 's. I faxed in a copy of my XXXX  decree to show that I was n't linked to my ex-wife anymore. I told the collection agent that it did n't sound very legal in what they did but he turned a bit belligerent towards me and said that 's the was it is.