davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I'm reporting Chime to the CFPB because I've inquired 4 times already regarding a charge on my card from XXXX, disputed 2 times for different charges, both disputes got rejected and dispite a representative promising me that they would provide evidence used to make their decision, I've gotten nothing. Was also promised by a representative that Chime placed a stop payment on that merchant which they just tried to authorize my card again. I've had my card number changed twice already and I count on my bank to help me when the merchant can not. Chime has failed me and led me to stop my relationship with the company.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (TX)

There was a dispute letter sent on XX/XX/2024 informing Experian of my intent to sue due to them failing to enter a notice of dispute for accounts previously disputed and stating that items were verified without proof of an investigation. I have attached the letter, which is dated, and time stamped. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I can demonstrate to a judge that these accounts are indeed inaccurate and that you have violated the Fair Credit Reporting Act by disregarding my requests for investigation. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. My attorney has been notified and we will be moving forward with a lawsuit if these items are not removed within 30 days. The following accounts are to be removed from my credit report immediately : 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 2023-11-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHOICE CAPITAL FUND (FL)

I reached out this morning via email to have my ACH revoked. I explained that I was going through a hardship.I asked if they accept debit card. I explained that I am waiting for a new debit card because my debit card I had was compromised. I get a call at around XXXX I called back and I spoke to a woman and she said that my ACH was revoked and now my account is in default and I need to set up a payment and I can no longer borrow again. I explained that I sent an email explaining that as soon as I get my debit card I will call to set up payment arrangements. She wasnt trying to hear it the lady said you will receive XXXX calls a day. I am on a fixed income and Im barely making it. I do not need this harassment with the phone calls and emails. I would like communications to cease and desist until I am able to get back on my feet to make more money. 

I got a call at around XXXX from ( XXXX ) XXXX when I called back it rang and it said XXXX XXXX is not available please leave a message. I hung up because I have no idea who this is and when I looked up the number it was from the loan smith. The account isnt past due yet and they are beginning to harass me. I have dealt with a lot it is taking a toll on my health mentally and physically.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

This is the third time I have disputed the incorrect information in my report. I made a previous complaint to the CFPB with the number XXXX indicating that the investigation will take 30 days, it has been more than 30 days and I have no response. The address that I am going to write does not belong to me, it does not belong to me and I could classify it as fraud when it is reported on my credit. My current address is correct but XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my address. 

Eperian is not fulfilling its role which is affecting my credit report. I request that this matter be verified as soon as possible.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NC)

The night of XX/XX/year> I think I dropped my wallet in the parking lot leaving a bar. I didnt realize it was missing until hours later because I dont use the card everyday. And I was hoping it was just in my car somewhere and I would find it. 

On XX/XX/XXXX charges that dont authorize showed up and I called the next day on XX/XX/year> to dispute the charges and close the card. 

When I called my bank ( TD BANK ) to dispute the charges and close the account they told me my info was not correct and I wasnt able to verify over the phone. At that point I could no longer manage my account or speak with a phone rep about my account at all. I called back and as soon as I got up verification the agent told me the same, I have to go into a physical branch with ID. But I had just lost my wallet with my ID also. 

I went to the branch with my social security card, birth certificate, and my work ID. The woman in the branch I spoke to told me phone number on file wasnt correct and apparently changed! So I was still locked out of my account while these charges went through. 

All stores were closed at that point. While at the XXXX reordering my ID, I decided to call back again Monday and the rep I spoke to then said she was able to verify me over the phone. She said she wasnt sure what was going on but she was able to unlock my account. 

AFTER all this I was able to submit a dispute and cancel my card. 

TD BANK has denied my initial dispute saying that I logged in and saw the transactions and didnt call to cancel the card and dispute the charges quick enough. But I DID and the calls were said to be recorded! So that should have me clearly calling to alert them and stop everything. I need help thank you
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX - XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NC)

There are two fraudulent accounts from this company on my credit file, which needs to be blocked immediately, according to FCRA and USC 1028A of the constitution. I have contacted the company numerous of times, but the company did not respond via mail nor electronic medium. The fraudulent account which is listed on my report includes : Account Name : XXXX. XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE OPENED : XX/XX/XXXX, 2ND ACCOUNT IS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX.
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-21
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX **************** {$6800.00} XX/XX/XXXX XXXX  XXXX ************ {$4700.00} XX/XX/XXXX XXXX **************** {$3500.00} XX/XX/XXXX XXXX  **************** {$2200.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX. 
Now Navient is threatening Litigation with their legal network partner ( unnamed ).  XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances. 
Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon. 

This is not a bill. 

Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}. 

Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans. 

You can view and print your monthly billing statement ( s ) by accessing your inbox. 

Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too. 
By phone : Call us at XXXX. 

If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account. 

We're here to help Visit us online or give us a call at XXXX, Monday - Thursday   XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. 

1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. 

Please do not respond to this automated message. Emails sent to this address are not monitored. 

Privacy | Terms of Use 2018 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. 
XXXX XXXX
Consumer complaint received 2023-09-19
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: HYUNDAI CAPITAL AMERICA (MI)

I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Consumer complaint received 2024-05-21
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. (MA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-09-19
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. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-05
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. (KY)

XX/XX/year> someone took over my cell phone # and got all my information and applied for 2 credit cards 1 ) XXXX XXXX XXXX ) XXXX XXXX  XXXX I realized someone had taken over m y identity within XXXX hours of it happening. 
I contacted both creiditors on XX/XX/year> I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from XXXX credit report. The inquiries are still showing on XXXX XXXX and Experian. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( ACCOUNT LAST 4 DIGITS : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.