davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

I recently had XXXX  XXXX on XX/XX/XXXX. Prior to this date I spoke to Navient regarding my being out on XXXX until XX/XX/XXXX. I was told to wait until I had the XXXX and then call and to ask for financial hardship. I called back on XX/XX/XXXX after being XXXX XXXX XXXX XXXX and was basically told that there was nothing that they could do for me and that there is no such thing as a financial hardship forbearance. I explained to them that this will force me to go into default if I can't pay them due to limited income. I asked for a three-month consideration and upon my return to work I would be able to play catch up. Again, I was told they could not help me. Since that time NAVIENT will call me several times during the course of a day and on weekends asking me about my payment. I keep explaining the same thing to them but to no avail they keep calling. I am not expecting any miracles but if they noted my record then it should show up when they get ready to call. I am trying to recuperate from my XXXX, but this is now causing undo stress on me. I am not asking NAVIENT to bend the rules, but you mean to tell me that there is nothing they can do for me except to harass me on an everyday basis.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  - XX/XX/year> XXXX
Consumer complaint received 2024-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PRIORITY PLUS FINANCIAL LLC (NC)

Received the attached marketing letter on XX/XX/year> from Priority Plus Financial. It is in the style of IRS correspondence, indicating " economic relief '' is inside.

Inside, it is a personal loan. I was not impacted by Hurricane Helene, which is the only " Unprecedented time '' for " affected families '' that could be being referenced here.
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Hi CFPB, I am submitting a new complaint as to my previous student loan servicer, Navient. They responded that they stopped servicing my loan in XXXX. They are incorrect. 

I received the attached notice from Navient on XX/XX/XXXX that my loans were going to aidvantage. This did happen and I'm making payments to aidadvantage now. Even if Navient did stop servicing my loan in XXXX, then who was? It would be their responsibility to let me know and again the notice I received from them as mentioned stated they were. If they were not, then I'd like to know who was. 

As to my experience with Navient they misrepresented that my payment would go entirely to interest. Their practices on gaining more interest payments for the company is unethical. I never would have agreed to that arrangement. 

I am requesting again forgiveness of my loan or a decrease in principal. If this is something handled by the CFPB " only '' then please provide this information. 

I have been paying student loans for years. I am XXXX now. Navient 's practices were unfair. 

Many thanks, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC. (AZ)

I received an email dated XX/XX/XXXX from XXXX XXXX XXXX regarding an open balance of {$530.00} owed to XXXX ( prior property management ). In that email there was a link to pay balance, however, it did not provide a breakdown of this balance. On XX/XX/XXXX i reached out to XXXX and requested a breakdown of the alleged balance and explained I did not recall owing XXXX any past due rent prior to vacating the property. On XX/XX/XXXX i received a response from XXXX advising they would fwd. my email to the appropriate team for handling. As of today, I have not received any letters or emails providing the breakdown of the " open balance ''. I have followed up with XXXX on XX/XX/XXXX with another email attempt to provide the breakdown and i have yet to hear back.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Requesting disaster relief due to Hurricane Milton. We had no gas at the gas stations and no electric due to the major hurricane Milton. Was assessed a {$35.00} overdraft fee. Called Wells Fargo this morning to reverse it and talked to 2 representatives over 15 minutes who told me the disaster relief was not yet loaded in to the system. 

Wells Fargo trades securities on my accounts and make millions of dollars doing so. They keep the security interest and give me nothing but fees. The least they can do is to reverse the {$35.00} NSF fee charged during Hurricane Milton.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (OH)

I tried to trade in my recently purchased XXXX XXXX i did not know the car is on the high theft list, credit glory a credit repair agency told me from XXXX to XXXX i have a total XXXX inquiries.also i lost my wallet in XXXX of XXXX along with my sons information and id & social security card i right away requested a freeze on my credited info as well as his.but XXXX thing that credit glory told me wa in XXXX of XXXX in just XXXX month i have XXXX inquiries that is very strange.the companies listed on my report were ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX a XXXX XXXX wanting to move next year to a safer neighborhood next summer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and these inquires is hurting my credit score the last few years before i retired i worked really hard to pay off medical bills, bring property taxes up to date currently making home repairs to sell or rent this car trade in thing went really bad in XXXX.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (MN)

My wife was called by a blocked number and was told that We needed to call XXXX due to this person trying to serve lawsuit paperwork and it was returned. I was given an account number that appears to be fake. When I called, they said they were suing me for a US BANK account that I owed on. I replied with, '' I have never had a US Bank checking account ''. They then stated they had proof of me walking into a US Bank XXXX in XXXX of 2002 ( 2002 is not a type XXXX. I replied with, " even if I would have had an account over 19 years ago ... wouldn't the statute of limitations kick in seeing as this is the first time I have ever heard about it? The person on the other end of the phone stated, " There is no statute of limitations and we will sue you for all of your assets ''. They said they would see me in court and hung up the phone. 

I then called US Bank directly and asked if I had any delinquent accounts or if I had ever had a checking/savings account with them back in 2002 and the representative said, " No, we do not show you have had an account nor any delinquencies ''. 

I tried calling the XXXX back to see if I could get more information and they had me on hold for a while and then hung up on me.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I wired {$1000.00} from my XXXX XXXX checking account for a rental apartment to their Wells Fargo business and the person stopped communicating with me after the transfer. I tried to get the funds back and Wells Fargo denied the claim. I am a public school teacher and can not afford to lose {$1000.00} from an illegal fraud transaction - this is the persons banking information I used to wire the money. 

BANK INFORMATION Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : BUSINESS CHECKING XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX, XXXX, OR, XXXX, XXXX I can provide all communications - both emails and texts around the transaction.
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS USA, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Lease
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: AMERICAN HONDA FINANCE CORP (MA)

On XX/XX/XXXX I paid Honda Financial {$19000.00} via my checking account to purchase my XXXX XXXX XXXX that was nearing the end of its lease. I emailed all necessary odometer disclosure forms to Honda Financial on the same day, on XX/XX/XXXX I received email confirmation they received the documents and the title would be released to me. 
On XX/XX/XXXX I called the support line as I had not received the title yet, the representative I spoke with told me the title had been approved to be released and it should be on its way. 
On XX/XX/XXXX I called them again and was told the title may have been lost in the process of being sent to me. I was then told it would take at least 6-8 weeks for the process to be restarted and sent to me again. I still have not received the title despite paying them the full balance of the lien almost 2 months ago.
Consumer complaint received 2024-10-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc. (MA)

This company keeps calling my family and harassing them. They are asking them for my personal information. The calls are happening constantly now. In a previous complaint they claimed they werent doing this, so they lied to me and this organization. Attached images of recent voicemails left on my partners phone.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX, these XXXX accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, I identified 2 different unauthorized transactions for just under {$5000.00} each made within the last week. Both transactions were titled as " Bill Pay ''. I immediately called Wells Fargo to dispute the transactions and file a claim. Banking associates identified both transactions as happening through a service called XXXX, which I have never used. Banking associates declined to cancel the transactions as they were still pending, but went forward with an investigation. My claim was eventually denied, and the bank told me they believe the transaction was completed by me or authorized by me. Following the date of these transactions, I have tried to make an account with XXXX to find out about these transactions but I could not find a record of them.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/year> I was contacted by what I was thought was Wells Fargo. The result was {$1000.00} was wired to someone from my checking acct and {$5000.00} wax wired to someone from my savings acct. Wells Fargo has denied my fraud claim. A police report has been filed.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today XX/XX/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

XXXX Navient called 11 XXXX Navient called 9 XX/XX/XXXX XXXX : I told the person who was calling about repayment of student loans to not call during business hours. 
XXXX : I told XXXX that I have already asked to not be called during business hours. I have been called 10 times in the last 7 days and this is harassment. Do not call me again. 
XXXX : Navient called again XX/XX/XXXX XXXX : Navient called again
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

XXXX. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (FL)

you received my dispute regarding some transactions and late payments that you and ( Put creditor name here ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with XXXX as I did not ask for verification of anything! The law clearly states that ; ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section XXXX was mailed or delivered to the consumer not later than 21 days before the payment due date. 

The only way for you to validate a latepayment is to ensure that XXXX XXXX XXXX was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law XXXX XXXX XXXX! Further more this process must be certified by an agent that the information is accurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (SC)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.