davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I have been a member of the United States XXXX XXXX since XXXX in both an XXXX XXXX and XXXX XXXX XXXX. I have been a XXXX  employee, without a break in service, since XXXX of XXXX. After passage of the public service loan forgiveness act, I contacted my loan servicer, Navient, and was informed that if I continued my federal government service and made payments on my student loans for 10 years, I would qualify for the loan forgiveness program. After 10 years of on-time payments and a continued 10 years of XXXX XXXX  employment, I contacted Navient again in XXXX to see what I needed to do to apply for the program and was then informed that I did not have qualifying loans and would need to consolidate my loans and make additional payments for 10 years, with overlapping qualified public service, in order to be eligible. If I had been given this information when I originally called Navient in the XXXX timeframe, I would have consolidated my loans at that time. Navient has failed to carry out both the spirit and the letter of the public service loan forgiveness act by failing to provide any accurate information to me about my loans since I inquired after passage and implementation of the legislation. At a minimum, they should have given me accurate information when I contacted them. After failing to do so, they should have contacted me by letter or email to inform me that my loans did not qualify after I initially reached out to them and was given the incorrect information.
Consumer complaint received 2019-05-22
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: RSI Enterprises, Inc. (CA)

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surprise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

RSI ENTERPRISES-RSIMD, Account # XXXX, Date Opened XX/XX/XXXX- Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XX/XX/XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (KY)

XXXX tried/is trying to collect money from me for termination of their cable television service. However, I did not have any contract with XXXX, written or verbal, to pay them for termination of their services. They have the burden of proof. I know that they can not produce any written or verbal contract with me to pay any termination fees. Damaging my credit is simply a means of extortion. Neither XXXX nor their agents should be able to get away with this. Please expunge their claim from my credit rating.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NC)

Over the course of a few months and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card transaction on my consumer report. Per 15 usc 1692g I have requested the " original creditor. As well as to cease and desist all collection activity while said account is under validation.
Consumer complaint received 2021-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I XXXX I agreed to a settlement with Equifax in the amount of {$1500.00} for their recent data breach. In XX/XX/XXXX I received a 1099 for tax year XXXX in the amount of {$6700.00} after not receiving any settlement proceeds whatsoever. As of todays date ( XX/XX/XXXX ), I still have not received any settlement proceeds.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Miller, Stark, Klein and Associates (GA)

XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I applied for the PSLF program and was told my employer was eligible but that I was in the wrong type of repayment plan and even though I am approaching 10 years of payments none of them count toward forgiveness.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I currently have a collection account on my credit report from portfolio reconvert associates,  LLC Re  :  XXXX  Please be advised that I am disputing these collections due to the fact that Portfolio Recovery does not currently have a license to collect debts in the state of   XXXX   XXXX   XXXX   XXXX  according to   XXXX   XXXX   XXXX   office of financial regulations. I am requesting that you delete this account from my credit report or provide me physical proof that they are licensed to collect debt in  XXXX .
Consumer complaint received 2021-02-12
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

Submitted Online Dispute with XXXX and XXXX, Regarding my credit report with wrong information, My wife placed me on her account as authorized user i was not aware at the time, When i found out i had her take me off of the account, After submitting my dispute i received a letter from Citibank, N.A, Indicating they were not able to remove this from my account i was told my wife would need to have me removed from the account, My wife did remove me from account, Citi went on to say they would leave all historical information on my Credit report but would stop reporting, This account need to come off of my report 100 % have absolutely nothing to do with this account never used the card. Dont pay or shop with the card Adress provided from Citibank N.A. XXXX XXXX XXXX XXXX XXXX, SD XXXX contact phone number XXXX
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

I had an account with Castle credit for a XXXX  vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Re Acct # XXXX {$470.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (FL)

I hired a company to help me dispute some improper items, and Experian declines to let my hired help to do their job. This infringes on my right to clean up my credit report of inaccuracies. I feel intimidated by Experian and other agencies, that is why I hire people to work on my behalf. I think the credit agencies are biased, that's why I hire experts to dispute items that should not be on my credit file. Experian is doing this illegally to avoid dealing with professional credit/repair lawyers, and it constitutes a gross abuse of power, exactly like keeping a person from obtaining legal representation in a trial.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

As of today XXXX XXXX, Wells Fargo Bank continues to retaliate against me and harasses me almost in daily basis. For instance but not limited to and from a recent incident Wells Fargo bank engaged unlawfully in invading my privacy. every harassment is recorded and it will be brought to court. Unfortunately, my tolerant efforts following role of law and due process to stop this companys reckless targeting, coercing, revenging, retaliating, discriminating, abusing, threatening, harassing, conspiring and blacklisting against now will be more public and in a court of law which this Company forced me to take them to.I am suing Wells Fargo Bank without waiving my rights and all stated herein is true and all herein is to my current states belief, knowledge and understanding and is subject to any change or correction of any kind at any time by me, the complainant, only or my representative without waiving my rights.
Consumer complaint received 2021-02-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (MI)

I owed a debt to XXXX which handed the debt over to Unifund CCR. Unifund took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from Unifund on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called XXXX to explain what happened by they just directed me to Unifund.
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (TN)

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX  XXXX.
Consumer complaint received 2019-10-16
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)

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name  XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX  XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Consumer complaint received 2019-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (UT)

XXXX continually calls me about a PayPal debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.
Consumer complaint received 2019-05-22
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. (DC)

I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

Dear CFPB I have had a PayPal account first for business, and now in my personal capacity, for many years. PayPal has placed a hold on my account for 6 months in violation of the Consumer Financial Protection Act : specifically, the prohibition against deception or unfair practices. PayPal has placed a 180 day hold on my account in violation of the Long Form Agreement which says that risk based hold normally would not exceed 21 days. This is a deceptive representation giving because by their action, they garnished money not for a risk but for some other purpose such as wanting use of my money and not paying interest. 

From between the XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I transferred {$29000.00} into my PayPal account from my XXXX XXXX account. The size of my average transfer was around {$1000.00}. 
Once only, I mistakenly transferred money from a XXXX XXXX account that I had closed and had not updated on my PayPal transfer information to reflect this change. PayPal informed me of the error and the next day I covered that amount ( {$1000.00} only ) by bringing in additional funds. 

I admit that the initial transfer was a bit mistake on my part and one I immediately corrected with no consequence to PayPal. However, PayPal placed a 180 day hold on my account. The only notice I received is something vague informing me of the hold, but it did not even give me a phone number to call for clarification. My girlfriend and I need these funds for living expenses I have attached the letter from PayPal notifying me of the hold
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am on XXXX leave from work and my Supervisor has contacted me to state that calls repeatedly. Supervisor has a call log showing how often the creditor calls. The call log shows creditors name, telephone number, and time of day that caller calls
Consumer complaint received 2021-02-11
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: HYUNDAI CAPITAL AMERICA (MD)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (TN)

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (TN)

I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AK)

On XX/XX/XXXX my husband called to pay off the lease on his cell phone and was notified by XXXX the final amount was {$170.00} which was paid and the phone was unlocked, which is an indication that he is now the owner of the phone and free to take it to another carrier. On XX/XX/XXXX, I received a call from XXXX saying that {$450.00} was now due for the phone. I spoke to an upper manager who listened to the XX/XX/XXXX phone call and agreed that it was the error of their customer service rep. and additional money would not be owed. Today XX/XX/XXXX I received a notice from a debt collector company. Prior to this I have never received a bill or statement from XXXX for the alleged charges. I disputed the debt with the debt collection company and have spent several hours on the phone with XXXX and am being told they dont have a record of the XX/XX/XXXX conversation and now I owe {$450.00}. I have talked to multiple managers to try to resolve this issue and am not getting any resolution. I have been yelled at by XXXX customer service reps and treated very unprofessionally. I had to cancel my service with XXXX because we moved to an area in rural Alaska where they do not provide service. Since cancelling I now have been harassed with phone calls attempting to collect on a debt I do not owe.