davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (UT)

CREDIT MANAGEMENT LP has reported a collection of {$100.00} to my XXXX credit report but has never notified me about the debt in anyway. Their " customer service '' is unhelpful and I can not identify this alleged debt.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

NAVIENT Original XXXX XXXX Application submitted XX/XX/XXXX Account Number : XXXX I applied for XXXX XXXX repayment, XXXX XXXX XXXX with Navient after I was deemed XXXX XXXX by Social Security for a XXXX XXXX XXXX. Navient sent me a XXXX XXXX form in XXXX and my XXXX  completed the form thoroughly, through " XXXX. '' I received a confirmation that my form was received ( which I have saved. ) I submitted this XXXX XXXX XXXX XXXX XXXX XXXX  form several times in XXXX and XXXX after they claimed that they " didn't see it, '' on my account. Then I was told that I had to be XXXX for at least 5 years in order to qualify, which I did meet because in XXXX I had been XXXX for 6 years. 

I also called several times during the years and requested an update and I was told by Navient repeatedly that it was " in process. '' I was also told that I also had to complete my Income Repayment form as requested, then my XXXX XXXX XXXX XXXX XXXX XXXX would take effect ; however, that NEVER happened and I was given the run around. I was lied to and told it was still in process, which is still pending 10 years later and I am still XXXX XXXX, and have been for a total of 16 years. I did my part and followed Navient 's process. 

After Biden was elected there were loan forgiveness programs for XXXX, I called them and again I was told that I did not have to do anything because it was already in process. I have yet to hear back from Navient. It has been 10 years of credit impacting, I couldn't get an equity line of credit after a few attempts throughout these years because of my existing student loan. I had to file for bankruptcy in XXXX because I could not access my home 's equity to pay for medical bills and debts.

I feel this is dishonest and needs to be investigated. I just read that CFPB was able to finally hold Navient accountable and I wish to be included in the lawsuit against them for this exact reason. I feel they took advantage of the XXXX who are vulnerable to unfair credit practices. 

Thank you so much for your time.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bell Global Services LLC (CO)

For about XXXX  years now I have been getting harassing phone calls and voicemails left for me that always seem fraudulent. Once about XXXX  years ago they started calling my mother, sisters, stating that they had legal paperwork that they needed to serve me and need to verify my contact info. I called them at that time and asked who they where and no one would answer, I would ask what this was in reference to they would not answer that unless I gave them information about myself, to which I scoffed and advsied I was not giving them any information about me ever. They stopped for a while, then started again, seems form another " XXXX ''. I filed an FTC complaint about XXXX years ago, listing the numerous phone numbers and assumed company names that I had received calls from. They have started once again from this XXXX XXXX XXXX XXXX and again stating they had legal papers to send but they would require a signature, and needed me to verify my personal information with them, I again told them I wasn't signing anything and would not give them any information about me at all, ever. Today they called again stating the same thing, left me a voicemail and then called back, I answered and same deal, paperwork to serve me... blah... blah.. blah, so this is definitely harassment at this pint in time. I monitor my credit and know I have no delinquent debts, have never been in legal trouble, yet they continue to harass me with these phone calls a couple times a day. I would appreciate any assistance or advice on how to get them to stop. Additional phone number I have received calls from regarding this same non-issues seeking info on me recently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these calls have been over the course of the last month alone.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/year> received call from XXXXXXXX XXXX at XXXX pm, telling me that someone applied for a chase card from XXXX XXXX. Caller had my name and ss number but wanted more info to cancel request. I hung up. At XXXXXXXX XXXX same person called back and asked for more info to cancel it. This time the call was from teas. I was given a case number of XXXX and transfered to CFPB. That person wanted more info and already knew which credit cards I had. He wanted to confirm the numbers and expiration date. I refused to give him that. He hung when I asked where he was born. Both callers had thick accents and diificult to understand.
Consumer complaint received 2024-07-02
Product: Credit reporting 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. (FL)

FCRA 605B mandates the removal of any mistaken accounts from my credit report. Could you verify the documents? Some accounts listed have inaccuracies in reporting, with incorrect amounts and dates being mentioned.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

On XX/XX/year>, there was a hold placed on my account in the amount of {$140.00} for incidental holds from XXXX XXXX. Ive contacted cashapp several times and provided all information requested including the entity telephone number. They have stated they throughly investigated but refuses to release the hold of {$140.00}. Ive provided a receipt, email from XXXX XXXX  and a letter stating that the {$140.00} was released on XX/XX/year> which came directly from the merchant. Cashapp refuses to release my funds and has continued to hold my money stating they thoroughly investigated my claims. Ive requested copies of their disclosures as well as their policies and procedures and have not been provided any of the requested information nor my money.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Card Acquisitions Group (NY)

Foster and Monroe LLC, posted a debt of {$17000.00} on my XXXX credit report on behalf of their client XXXX XXXX XXXX based on a civil judgment dated XX/XX/XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Case number XXXX. 

I informed Foster and Monroe that there was a class action lawsuit against XXXX XXXX XXXX and my case was part of the suit. The case is no longer listed in the court system because it was removed after I disputed it. 

Foster and Monroe is continuing to report false information and their XXXX rep hung up on me when presented with the information. 

The case no longer exists and XXXX XXXX XXXX responded to my previous complaint acknowledging that my case was part of the suit. 

I have requested they remove the information from my report and they refused and told me they wholeheartedly believed I was mistaken and they bet I never even received a notice from the Class action Suit. 

I am a XXXX XXXX  trying to qualify for a VA XXXX loan. 

The account was removed from report in XXXX and they reopened it based on a dismissed lawsuit. They need to be fined, and the false information needs to be immediately removed. They are knowingly refusing to correct the information.
Consumer complaint received 2024-09-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (CT)

I am writing to formally lodge a complaint against Receivables Management Partners LLC regarding their persistent and harassing behavior over a claimed debt. Despite having all my bills covered by my insurance, I have been subjected to numerous voicemails and calls at all hours from this company.

Receivables Management Partners LLC has been leaving numerous voicemails and calling me at all hours. 

These calls and messages have continued despite my insurance having already covered all my bills. 

The persistent nature of these communications has caused significant distress and inconvenience. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-28
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 (MI)

Monthly fees were charged different amounts on different accounts. I was not spending money or using the accounts as one was an open estate account. Because I was not using these accounts I didnt monitor them until I noticed one disappeared from view, then another went negative. Apparently my banker/advisor is no longer there and my accounts were not bundled even though I had preferred and premier services. 2 accounts went negative and were closed, all accounts had unapproved fees. Ive reached out multiple times and received approx {$110.00} in credits back, Im still fighting with them. Ive lost access to the closed account details and only have access to the statements from the open accounts.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group (MN)

Putting aside all the other issues I have had in relation to this company, Velocity ( XXXX XXXX XXXX XXXX ) will consistently make false statements on my credit report. I have had to dispute it multiple times before until they corrected it. Now, I have resolved the debt with another third party creditor ( XXXX XXXX XXXX ), who is servicing this account on their behalf. 
XX/XX/24 : I called XXXX XXXX XXXX and made a payment in response to a letter stating that " The creditor listed below is offering you the opportunity to resolve your account with a one time payment of {$2500.00} '' - this is the payment I made. 
XX/XX/24 : I called both XXXX XXXX XXXX and Velocity to confirm that this account is indeed closed and resolved. They confirmed as much. 
XX/XX/24 : I disputed my credit report so that they would update the accounts that are listed in relation to the original account- there are XXXX accounts that are negatively affecting me listed on some of the credit bureaus for XXXX single collection account. This was my XXXX dispute after I made the payment but I had finally asked to be supplied with a formal letter since they ignored my first request and did not change anything ( even though they already had this information, per XXXX XXXX XXXX ). 
XX/XX/24 : Velocity sent back the collection, showing that a recent payment was made, but still showing that the collection account is open. 
Velocity needs to act appropriately and update the account to current standing. 
Additionally, unrelated to this submission, but I have multiple voice messages saved where XXXX called me and said detailed information without disclosing the debt collection statement. I had never picked up this phone with them before, so they would have no idea this is my phone, except via a XXXX XXXX. Either way, this is very much illegal.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company is in violation of 15 US C 1681. I have repeatedly reached out to his company about a debt that I have not been responsible for. By law, my credit report must be fair and accurate on all levels. I am not responsible for this vet, it also has an unverified phone number. It is also against the law to transfer my information to another company without my permission, therefore this Must be removed immediately!
Consumer complaint received 2024-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since XXXX XXXX XXXX XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is XXXX reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX {$920.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the newly reported XXXX charge-off status of {$1400.00} on my credit report by XXXX XXXX XXXX I request an immediate re-investigation based on several critical points. First, XXXX XXXX has failed to provide the original signed contractual agreement that would validate the debt and confirm that the account belongs to me. The generic Card Member Agreement ( CMA ) they provided does not pertain specifically to my account, raising legitimate concerns about the authenticity and validity of the debt. Without the original contract, their claims remain unsubstantiated, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, which requires proper validation of debt. Furthermore, XXXX XXXX 's claim that my account does not meet the criteria for issuing a 1099-C form is misleading. The fact that they reported the account as a charge-off suggests they may have claimed a tax deduction under IRC Section 166. If this is the case, continuing to report a balance on my credit report is inaccurate and deceptive, violating both the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and the FDCPA under 15 U.S. Code 1692e for false representation. The documents provided do not constitute adequate validation of the debt, as they lack the necessary contractual agreement, rendering the continued reporting of this charge-off unlawful. Additionally, I am entitled to statutory damages of {$1000.00} under the FCRA ( 15 U.S. Code 1681n ) for this inaccurate reporting, which XXXX XXXX has unjustly refused to issue. Given these violations, I request that the CFPB take immediate action to demand that XXXX XXXX provide the original signed contractual agreement, issue the necessary 1099-C form, and remove this inaccurate charge-off from my credit report. I also request that XXXX XXXX be fined accordingly, and I be awarded the {$1000.00} in statutory damages. I will also be reporting this issue to the IRS for a thorough investigation into the legitimacy of the tax deductions claimed by XXXX XXXX while continuing collection efforts. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (NJ)

I deposited a pay check the amount of {$770.00} from my employer at citibank on XX/XX/year>24 and until now my check still under review and Ive already spoken with my employer and my employer said that theres nothing wrong with the check and I called my bank for a specific reason why my check is been under review for more than 48 hours but they couldnt give me a specific answer
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I was given a modification by my bank under the hamp program. Now per your program this is to be at no cost to the consumer. However, the bank added fees which made my mortgage more than it was originally. Also, with this modification I will never own my home, and I was told, and the numbers were explained to me that I would but would have a balloon payment for the amount not included in the mortgage payment. I have called several times and spoke with different representatives XXXX stated I would own the home and there would be a XXXX balance on the mortgage the other stated I would never own it. I have been paying on the home and it has not gone down XXXX bit I owe the same amount on it when the hamp was completed over XXXX years ago. How is this making it affordable if you never can own it? 

I should have filed this sooner I don't see how again a bank can take advantage of a person who could not make payments by taking a {$110000.00} mortgage and turning it into a {$160000.00} plus mortgage.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

" I am writing to delete the following information from my file. the items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete these items as soon as possible. ''