davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, I was coming out of XXXX XXXX XXXX  where XXXX men of XXXX approached me asking to help them. They needed money transferred to a XXXX  card from a XXXX XXXX account. Due to feeling afraid and bodily harm, I did my best to comply after the XXXX became irate and defensive. I handed my phone over where my bank app was open and someway somehow, they were able to open up a personal expense loan for {$7000.00} dollars. They claimed it was their money, I immediately called XXXX XXXX where they explained they opened up a loan. I did not understand how this was able to happen as there should have been a security window to get through. For example, code word or social security number. XXXX XXXX received an affidavit of forgery and investigated it further to realize no error was done. I honestly disagreed with this investigation, so I filed an appeal. At the end of the day, I was placed in harm 's way and XXXX XXXX still has this loan open where I am unable to make payments. I feel this needs to be wiped off my credit. While it says, I am the borrower of the loan - I did not authorize this. These XXXX men were able to get through to get a loan without proper security measures.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Keep receiving numerous calls and threats all times of the morn. Or day about a XXXX XXXX XXXX  account credit card that I never received or used and Recovery portfolio have been trying to collect debt and won't resolve instead keep harrasing and threats to sue and have been told that I have been a victim of fraudulent activity with XXXX  XXXX XXXX  and XXXX  XXXX XXXX  and have disputed it and Portfolio recovery has not removed or investigated it and continue to harrass and ask me to pay A Identity and fraudulent payment sum of {$460.00} that I didn't receive and threathen to be sued Credit card companies /Portfolio recovery
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (GA)

My name is XXXX XXXX. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX, when I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX XXXX. I also bought a maintenance plan and an additional extended warranty in the original purchase, demonstrating my trust in your services. 

In XX/XX/XXXX, I went to the dealership, as instructed by the finance company, to cancel the maintenance plan and extend the warranty. I completed the necessary paperwork, which the dealership processed. On XX/XX/XXXX, the dealership sent Stellantis Financial a refund of {$4300.00}. The check was cashed on XX/XX/XXXX, per the verification provided. 

It is now XX/XX/XXXX. After XXXX phone calls and XXXX emails, Stellantis Financial has not credited my account to reflect the decrease in the principal balance. I want to refinance the balance to get a better APR from my credit union, but am not able because the payoff that Stellantis is providing does not reflect the refund.
Consumer complaint received 2023-12-18
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. (WI)

XX/XX/2023 I sent multiple letters to these companies involving following accounts 1.-XXXX XXXX  XXXX {$800.00} Acount # XXXX 2-XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX 3-XXXX {$0.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX has 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 a 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 the information is inaccurate
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc. (MS)

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. SOUTHERN FINANCIAL SYSTEMS , INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ) ; 12 CFR 1006.34C. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities. 
This is also a NOTICE exercising my rights to prevent the processing of my personal data by SOUTHERN FINANCIAL SYSTEMS , INC . 
Please be advised that providing a memorandum or other statement from your agency, stating that SOUTHERN FINANCIAL SYSTEMS , INC, the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (CA)

I reported a charge on my Gap/Barcley credit card for a Gap credit card account number ending in XXXX. I called gap and they assured me they will be removing the charge.. However, they closed my account and never removed the charge like they said they were. My credit score is going down every day because of the charge still being there. I have contacted them multiple times and they still havent resolved my issue.
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I attended the Illinois XXXX XXXX XXXX XXXX XXXX. As of XX/XX/year> the XXXX Department of XXXX has determined that The XXXX XXXX made pervasive and widespread substantial misrepresentations to borrowers. I am approved for a full discharge of my federal loans. I currently hold XXXX private loans with XXXX in good standing. I became aware of the XXXX XXXXXXXX XXXX XXXX application and contacted a customer service rep to obtain a copy of the application. I was placed on hold for XXXX minutes and then hung up on.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (SC)

I noticed this account on my credit reports a few years ago after not checking them for a long time .I have disputed this account multiple times. I have never received any communication from this company. Not a letter a phone call or anything. They report this account on my credit reports after many disputes. Report different amounts owed etc.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (MO)

I bought a product online and used PayPal 's pay later. The plan total was XXXX with the first payment on XXXX till XXXX of XXXX XXXX payments. Problem is I made my first payment and then XXXX other payments on the first month and the XX/XX/XXXX payment keeps showing up. I called PayPal and asked why the payment is not coming off and they said it comes off the back end so when you make a payment it keeps showing a XX/XX/XXXX due date. I never saw a loan where your payment comes off the end dates instead of the next payment due date. 

XXXX One-time payment XX/XX/XXXX Payment received- {$37.00} One-time payment XX/XX/XXXX Payment received- {$31.00} One-time payment XX/XX/XXXX Payment received- {$31.00} XXXX  XX/XX/XXXX Purchase amount {$340.00} Purchase date XX/XX/XXXX Purchase amount {$340.00} Plan total This updated total includes any additional merchant charges such as shipping and taxes, as well as any refunds or other adjustments. 
{$360.00} Total interest {$17.00} ( XXXX 13.99 % p.a. ) Total amount {$360.00} {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XXXX XXXX, XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$15.00} on XX/XX/XXXX XXXX
Consumer complaint received 2023-12-18
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. (FL)

I am writing to address a matter that has been pending since my initial contact via mail and subsequent complaints filed with the CFPB. Regrettably, despite the passage of several months, I have yet to receive the anticipated resolution from your department regarding the misleading and inaccurate entry on my credit report.
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (NY)

I currently have an application on file to discharge my student loans due to misrepresentation, fraud and misleading information from my school XXXX XXXX. I filed the application in XX/XX/XXXX. Im waiting on an answer/approval. When this private loan was taken out, I was already about halfway through my schooling. I was pulled into the office and was told that if I didnt take the XXXX XXXX XXXX with an extremely high interest rate that I wouldnt be able to continue my studies. I was told there was no other option for me and the balance that was owed on tuition had to be accounted for in order for me to return. I ultimately signed for the loan because I didnt want my hard work to be for nothing. I was on the deans list. But the most upsetting thing about me having to take out federal and a private student loan at XXXX was that it was until graduation that we ( graduating class ) was told that the school isnt accredited and we wouldnt be able to transfer our credits. We were told that there were only two sister schools that might be able to transfer some of our credits to pursue a XXXX. This was a huge blow! So for years I had to be stuck with student loans for a degree that I cant even do anything with! So while I wait and hope that my federal loans get discharged due to this - I would like to see what could be done about my private loan! This was back in XXXX I believe and the loan was for about $ XXXX if I remember correctly. Ive been struggling to pay it. I was told that nothing can be done to stop payments because its a private loan and Ive exhausted whatever deferments were allowed with a private loan.
Consumer complaint received 2023-12-18
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. (VT)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is reporting a debt under my name under all three credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/XXXX and their address is XXXX XXXX XXXX, XXXX, MS , XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (OH)

To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already to " XXXX XXXX XXXX '' I have enclosed my government issued ID, social security number, and affidavit of identity for verification
Consumer complaint received 2024-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : ACIMA DIGITAL FKA SIMP - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-01
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by AR Resources , Inc breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by AR Resources , Inc regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand AR Resources , Inc furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that AR Resources , Inc lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.