davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I've received numerous letters from this debt collection service, with conflicting messages. Based on a phone conversation I had with them and instructions they sent in their follow-up, they requested : 1. I send a formal note disputing the debt. I did this. 
2. Get a notarized affidavit that I was a victim of ID theft during the period the debt was incurred. I did this. 
3. Provide a police report. I did this. 

They closed 2 of the 4 collection accounts, but for the remaining 2 responded that the documents I provided were either not complete or not legible. What kind of XXXX XXXX is this? How was it complete and legible to resolve 2 accounts, but not for the remaining 2. 

Here are the accounts in question : XXXX XXXX : Account : XXXX XXXX Ref No : XXXX XXXX XXXX XXXX XXXX : Account : XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX Ref No : XXXX XXXX XXXX I'm still receiving mail from this organization to pay for the debt that I've already disputed and provided more than sufficient proof that it is not mine. They even have my name misspelled in all of the communication, because the account was fraudulently created. I've emailed them numerous times and called them numerous times and I keep getting the same inconsistent response. I'm requesting CFPB to help me in fighting this predatory collection agency. 

Please let me know what other info I can provide to aid in your investigation. 

Thank you
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I did 5 dispute with XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

XXXX XXXX dealership financial me a car {$16000.00} total to {$20000.00} .I made a down payment {$5500.00}. I left with {$14000.00} of 36 month payment. I have been calling Westlake Financial about record of my payment history. Finally today  XX/XX/XXXX I receive a email of my record and what I own left to pay my car off was a total of {$31000.00}. I was surprised in shock of this Cardealer Fraud me for months that I never have know this. First thing I called the financial about the bills the only things Westlake Financial could explain for me to deal with XXXX. that why I'm here today. I know this for a fact that no one will buy a XXXX car total to {$31000.00}. I rather will just Finance a XXXX cars for that amount of money.
Consumer complaint received 2019-04-30
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: EQUIFAX, INC. (FL)

XXXX, EQUIFAX AND XXXX HAS IN ACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSE TO REMOVE OR DELETE. 

INACCURATE INFO : NAMES REPORTED *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX , XXXX, XXXX INACCURATE ADDRESSES : *XXXX XXXX XXXX XXXX XXXX, FL XXXX *XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INACCURATE ACCOUNTS : *DEPT OF ED/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  INQUIRIES THAT ARE NOT MINE : *XXXX XXXX XXXX  *XXXX  XXXX XXXX *XXXX *XXXX *XXXX XXXX   XXXX XXXX PEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-27
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: EMCC Holdings, LLC (CA)

I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX  XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, XXXX and XXXX  ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.
Consumer complaint received 2019-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

I applied for a pay day loan with XXXX in XX/XX/XXXX, for the amount of {$800.00}. The interest of the loan is 490 % These are the payments I have made thus far ( automatic payments made from my checking account ) : XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$320.00} Total amount : {$1300.00} I have checked their online website and there is no record of payments made. Also it does not show the amount getting lower. 

I feel the terms were misleading and I have paid the sufficient amount to cover the interest and initial amount {$800.00}.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (CA)

On XX/XX/XXXX I received a call from Capital Accounts LLC threatening to report a {$300.00} debt to the credit bureaus within 3 business days if I did not pay the balance. I had not received any written notice of this debt. When speaking to the rep I replied that I do not owe the debt and there is a 30 day due diligence process before submitting a debt to the credit bureaus. I asked that they please send any communication regarding this debt in writing via mail in which I never received anything via mail. On XX/XX/XXXX received notification that my credit score had dropped by 56 to 72 points. This debt was reported on all 3 credit bureaus. Each month Capital Accounts LLC illegally reports this collection account to the credit bureaus increasing the balance by {$3.00} to {$5.00} dollars a month which decreases my credit score every month. The collection was {$310.00} in XX/XX/XXXX and it was increased on XX/XX/XXXX to {$310.00}. Collection accounts are not supposed to increase or report every month and I do not owe this debt. This company is illegally reporting this debt and they are not registered with the Secretary of State of California to collect in California.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (CT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX and XXXX XXXX XXXX XXXX have 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.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion has not shown proof that this account is mines. Credit XXXX has failed to show this account is mines. I did not authorize or open an account with XXXX Bank. This account is a violation of XXXX us XXXX false and misleading representations for my credit report. This account is damaging my credit worthiness.
Consumer complaint received 2019-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

After experiencing life 's hurdles, I have since been from unemployed and struggling to trying to make ends meet and keep up with my Navient XXXX Loans. 
I have attended the XXXX XXXX of XXXX and graduated in XXXX. The school has been Sued and Closed due to pressure tactics and false information to student during enrollment. 

I have gracefully notified Navient of this change. I file a Borrower 's Defense to Repayment and have had my federal loans waivered until XXXX. Navient did not notify me of the update until I contacted them for an updated after several weeks of checking their hotline : XXXX. 

Afterwards I continued to see what my repayment options were for my XXXX XXXX Loans. For some time I have been given the option to pay {$50.00} to put my account on hold status with interest accumulating for 3 months. I have done this numerous times until my financial status changed for the worst. 

Again, I notified Navient of my status changes along the way. I continued to be directed to pay {$50.00}, even after I discussed only having {$25.00} in my bank account. 

I attempted to ask a representative in recent months about submiting my Borrower 's Defense to Repayment application via email portal online for possible review because my school has been sued. I was notified the application doesn't qualify for private loans. I re-stated my case for special circumstance on not JUST the school closing, but because they were SUED, my application should qualify for someone to look at. 

I was given specific instruction on how to send it through email online. I went to the site and after a grueling 30min of searching, there is NO email upload option for private loans. There is ONLY the option to send a message. I sent messages about how to upload my application, only to get a phone number to contact. 

I contacted the phone line and was told that I can not send it to them and to apply for a school closure form. My question to Navient was " what are the contingencies? '' The representative asked my questions about graduating recently. I informed her my details of graduating in XXXX. She stated I can try to fill out the form that is coming in the mail 7-10 business day, no online form. I asked for a contact number for payment options. I was given to Navient XXXX line where I learned I am in Default and have 2 days to pay {$400.00}. 
The representative XXXX informed me that I dont qualify for the XXXX XXXX application. I asked why would i be directed to that if I didnt? He stated : I don't know. 

My credit is ruined and I don't want to attend any court proceeding. I have gracefully paid navient on loans in the past and have been desperately trying to find other options for payment. 
I have received a constant time-sensitive run around between reps giving me other contact info and coming to a dead end.
Consumer complaint received 2019-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have had this loan since 2003. First it was through Sallie Mae then some how without my doing was transferred to Navient. I have had this loan in deferment several time due to being in school but have been in repayment for some time now. The amount set to be repaid continually increases from what they say is daily revolving interest. I have lowered my payments to be more affordable for me but the interest continues to accrue at an astronomical rate. I feel as though I am a car stuck in mud getting no where but just sitting in the same spot spinning my tires getting deeper. Every time I try to talk with the company about my complaints they just continue to set up a 6 month program to lower my payments with my balance continuing to increase. Upon looking at my statement all my payments have gone to interest rather than principle. This originally was a {$5000.00} loan that 16 years later has tripled. At this rate I will have my federal loans payed off before this private loan.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion is continuing to allow THREE unauthorized hard inquires report to my credit file. XXXX  AND XXXX  HAVE BOTH REMOVED THESE HARD INQUIRIES. I WILL NOT STOP DISPUTING UNTIL THEY ARE REMOVED. THEIR RESULTS WERE : XX/XX/XXXX. After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at XXXX. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-04-30
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: CITIBANK, N.A. (OR)

I sent in a billing dispute with CitiBank for a XXXX $ purchase to a online training that turned out to be terrible. I asked for a refund given that they had a '30 day money back guarantee '' but then out of nowhere they sprung on me that apparently they didn't have a money back guarantee. So in response I disputed the charges. 

Attempts to get refund : XX/XX/XXXX Email to XXXX and XXXX XXXX XX/XX/XXXX Call from XXXX to persuade me to continue program XX/XX/XXXX XXXX Calls to further convince me to continue XX/XX/XXXX Dispute started. Email sent to XXXX XX/XX/XXXX Dispute Ended XX/XX/XXXX Called Customer Service with apathetic response to ignoring my billing dispute. 

CitiBank is not reviewing emails/logs of the calls that I have sent to them and have cancelled the review of my dispute despite having telling me they would resolve it.
Consumer complaint received 2021-03-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

I have always been on XXXX deferred payments because of my income and I updated and certified each year but in XXXX they put late payments on XXXX XXXX and XXXX I have never had a real payment with fed loan services since I started tell now XXXX I try to call them they dont wan na help me at all they said I never certified which I did
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Two years ago I called to close my Capital one Account. XXXX Instead they offered to upgrade the account with the promise I would pay no more yearly fees. I took them at their word. Last year, in XX/XX/XXXX -- fee. I called, and shared this story and they refunded the fee. This year -- fee. I would like to have spoken to someone about this but their automated system would not let me so I chose to close the account. Supposedly they will automatically refund the annual fee, but I suspect I will not get back the late fee on the fee and the minimum interest charge on the fee. But the important part here is that you need to know that Capital one reps will tell you they are getting you into a program with no fees and then ... fees.
Consumer complaint received 2021-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: BCO Consulting Services (IL)

I have fallen for a student loan forgiveness scam. BCO Consulting Services called me a couple weeks ago, telling me I would be approved for student loan forgiveness. Up to {$15000.00} taken off my debt. I couldn't believe it. Their sales pitch was extremely believable and I gave them my info. Everything made sense, and all I wanted to do was get my student loan deducted as much as I could. After realizing what I did and knowing now I SHOULDN'T of done that, I called them to cancel my student loan forgiveness program before the first check was deducted. I got multiple emails that they cancelled my service, but today I got charged for the first deduction. It isn't even taken out of my XXXX account. I'm so scared, I don't have a job and I need this money refunded. Please tell me what I should do next. I am a victim of a student loan forgiveness program FRUAD.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I called us bank in regards to direct deposits coming into my old closed account and needing a form to transfer such said funds into my new account. I was directed on 3 occasions even prior to coming to the bank that I could come into the bank and have them process the form the same day rather than do it through customer service which could take up to 3 business days. When I arrived at the XXXX branch on XXXX in XXXX illinois, the representative was very rude and nasty and showed obvious discontent by rolling her eyes at me when I asked for help. When I asked to speak to her supervisor she refused to let me speak to the supervisor then the branch manager called security on my who made threats to me and cursed at me in front of my children and family. They refused to respond to the customer service matter or have a manager contact me. When I called customer service to verify the information I was told by a supervisor that I was indeed informed  correctly that the bank should have been able to process the form directly. 

Later that day I actually had someone call me from a branch and process the form over the phone. I would also mention I waited over two hours in the drive they line to receive such vulgar and incompetent service.

I also filed an internal complaint with their customer service which has been ignored and not responded to. I called the regional director of the bank branch she also has not returned my phone call.

This is unacceptable for this refusal of service and hold of access to my account. I would request the video be pulled from both sides of the drive thru window to show that even as I was being polite initially to the  representative she was rude argumentative and rolling her eyes was beyond disrespectful.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (WA)

I have a SoFi Money account. Your security team restricted my account and I am unable to access my funds that I need to make a payment on Monday. You support was supposed to reach out to me to help me but hasn't responded till now. I was supposed to be contacted on Monday or Tuesday but no one has contacted me even after 5 days of freezing my account and there is no explanation. Your front line customer service has no idea ( in their own admission ) of what is going on and your security team is unreachable ( who has placed a freeze on my account ). In the midst of this, you are holding my life savings of {$76000.00} hostage with no way for me to make any payments or giving any information what happened to my money.
Consumer complaint received 2019-04-29
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)

The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX , XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.
Consumer complaint received 2019-02-13
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: Diversified Consultants, Inc. (PA)

They mailed me a letter. I mailed them two letters. They placed this account on my credit reports. I requested legally binding verifiable proof and they ignored all of my requests but still placed this account account on my credit reports.