davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

I am an   XXXX   at  XXXX   XXXX   XXXX   XXXX  writing to complain about the debt collection conduct of  Navient  in regards to my client.   My client graduated from  XXXX  with a degree in   XXXX  . She worked steadily for about 10 years when she was laid off in  XXXX  o f 2016. Sin ce then, she has been unemployed and struggling to find a job. My client is now in the process of starting her own business as a  XXXX . To attend  XXXX , she took out private loans with  XXXX   XXXX , which she paid regularly over the course of the time she was employed. Abo ut six mo nths ago, she ran out of money and was forced to stop making payments on her loan if she wanted to have adequate resources to pay for rent and food. Her  XXXX   XXXX  loan, which was transferred to Navient, has a balance of {$3900.00} wit h a 10.5 % inte rest rate.   Since she stopped payments, Navient has been inundating my client with calls, as often as twice a week. In the calls,  Navient  always insists she makes a payment even though my client explains she has no money with which to make it. Callers have accused her of being unwilling to pay and refusing to pay, have asked her personal questions about how she is paying her other bills, and are threatening to sue her. She asked at the beginning of her hardship if she could use a forbearance, and they told her she did n't have any forbearance left. Recently, she got a phone call saying she actually had 12 months forbearance left, and if she pays them {$50.00}, they will count the  last six mon ths she hasnt been paying as forbearance, but then will force her to go back into repayment. This would waste her forbearance and have no effect, as her  credit score  has already dropped precipitously, from about  XXXX  to in the  XXXX  range, due to the consequences of her not having been granted forbearance originally. Since that call, they have continued with the harassing calls.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (TN)

reviewing the contract in question on XX/XX/2021 several violations present which nullifies the contract pursuant 10 CFR 1026.3 named truth and lending. the posted price is also not the price reflected on the contract
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TAG Intermediate Holding Company, LLC (AL)

Previous close complaints against XXXXXXXX XXXX and Tricolor Auto Group are reporting fraud information with all Credit bureaus as revolving accounts as a collection of debt when both accounts were charged off by Company 's Fraud Department themselves. XXXX has sent me statements that I have not requested in an attempt to collect a debt that does not exist. Tricolor Auto Group is reporting fraudenlent information as a repossession not as a voluntary surrender to keep me from obtaining a another new vehicle instead of the used one they sold me with a battery that exploded within 2 months and was keft sitying in the apartment complex for 6 months before it would send its towing company fir the vehicle in order that it would appear to be a repo but was not. 

XXXX, XXXX XXXX XXXX, XXXX, Georgia ( XXXX XXXX XXXX ) is now disputing both with Confirmation number XXXX
Consumer complaint received 2021-05-09
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: Source Receivables Management LLC (FL)

Ive disputed source receivables management multiple times on my credit report. The keep reporting that I have a XXXX  account and I do not. I have requested proof showing the debt was mines and I havent received any response.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (AZ)

Had taken out a loan through  Speedy Cash  for payments on the  XXXX  and  XXXX  of every month in amounts of no more than {$39.00}. Informed the representative from  Speedy Cash  on their recorded line that i was recently unemployed and do n't have payment for them as well as there was no amount in the account ( which was forced to put on file before loan was issued ). The company attempted multiple times to force payment  ( s )  on  XXXX / XXXX /  XXXX   after being informed not to take payment. These now unauthorized force of payments caused multiple overdraft fee 's through my bank of $  XXXX  {$5.00} on each attempt. On  XXXX / XXXX /  XXXX    Speedy Cash  forced the multiple unauthorized ( date of  XXXX / XXXX /  XXXX   not authorized and verbally informed them on phone no funds in account to take  )  payments of {$110.00} from my  XXXX   XXXX   XXXX  sons  XXXX  which is now deposited into my account. I had called them and informed them the payments were unauthorized and to remove my form of payment immediately to which they replied we will remove the card on file and did not address the unauthorized payment.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I request Physical Verification of this debt that was report to my credit by XXXX, XXXX and TransUnion. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, XXXX and TransUnion say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you. 
Agencies fail to follow guidelines for handling disputes. 
Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.
Consumer complaint received 2020-08-03
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: Bread Financial Holdings, Inc. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Comenity bank/wayfair on XX/XX/XXXX and I have no recollection of doing any business with Comenity bank/wayfair. I contacted Comenity bank/wayfair, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by Comenity bankXXXX on XX/XX/XXXX and I have no recollection of doing any business with Comenity bankXXXX I contacted Comenity bankXXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (KS)

I got an auto loan in XX/XX/XXXX and had the loan till XX/XX/XXXX. The whole time of having the loan I had to pay for GAP insurance but I had I policy for full coverage with replacement insurance. Wells Fargo Auto loan department had the policy and didn't care. The XXXX XXXX XXXX was a loan for {$12000.00} dollars and I put down {$22000.00} the car with a {$34000.00} dollar car and If I had not been able to put the XXXX down I wouldn't have been given the loan.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (PA)

Very frustrated I contacted the bank today XX/XX/XXXX, its been past 10 business days I still havent heard anything my card was used in XXXX XXXX FL  I am a Pennsylvania resident this is beyond ridiculous
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (MO)

On XXXXr XXXX,2020 my PNC account was hacked.I called the number on the back of my card, " XXXX '' told me he would be working with the XXXX Support ( hackers ) to protect my account. Together they told me to protect my money, {$9000.00} in 2 different credit cards, I needed to buy gift cards in that amount so the hackers couldn't get ahold of my money. They would then give the gift card info to PNC to replenish my account. 

I was under the impression the whole time that PNC and XXXX were working together to protect me. 

In retrospect it is clear to me that the hackers were able to intercede my call to PNC. 

The police came and filed a report. I went to PNC the next day and they said they knew nothing about this. I closed all my accounts and credit cards. 

I received a letter XXXX2020 they were unable to honor my claim.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I get my credit report and it showed XXXX had reported me as late payment. I terminated my services with them on XX/XX/2020. I never received notices of a balanced owed. When I cancelled the csr said my payment and cycle ended in XX/XX/2020. Never received a phone call, text nor an email notification from XXXX nor the collection agency ( credit collection services ). I terminated the services because I moved. They are charging me {$53.00} for the term from XXXX. 
I contacted them and they told me they had refer my file to a collection agency. 
I never received such bill until I requested from the collection agency.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

On XXXX XXXX I got an email from Paypal that my account features have been deactivated and they will hold my funds for 180 days. I logged in my Paypal and I got permanent suspension for no reason as they will not tell me specifically what did I do to deserve it. I've been using Paypal for almost 6 years and I never had any issues from them until now. I never have any cases or disputes from my clients and I never violated anything from their Acceptable Use Policy and I'm afraid they will take my funds after 180 days as some users stated that's what Paypal does. I sent them many emails regarding this matter but they firmly hold that their decision is final.
Consumer complaint received 2022-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (MD)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX. XXXX XXXX  XXXX XXXX ) XXXX Balance : {$59.00} XXXX XXXX XXXX  ( Original Creditor : XXXX. XXXX XXXX  XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-04-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage was supposed to apply the HAMP incentive ( Dodd Frank ) of {$5000.00}. to the principal balance of my loan on the 6th anniversary of my loan modification on XX/XX/XXXX and they have not done so as of XXXX XXXX, XXXX. My loan was sold to them by XXXX in XXXX XXXX and I followed up with inquiries as the 6th anniversary approached, sending them my copies of the documents XX/XX/XXXX. I followed up with phone conversations and was assured this was taken care of but as of today it had not been. A manager said he will escalate the research again today. I had been told XX/XX/XXXX it was being researched and on XXXX XXXX that the incentive was in process of being applied. According to the manager none of that had been done.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX money # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : 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 that the information is inaccurate.
Consumer complaint received 2023-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I have tried disputing errors and asked for them to verify and send all of the information used to verify. They did not send the requested information. A few items were removed but most were not and the requested information was not received. Also, it took over 30 days for them to reply. They are not following the FCRA
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

COMENITY-XXXX  XXXX claims not receiving {$100.00} payment sent by XXXX XXXX XXXX XXXX 
XXXX reported sending payment, just not cashed. 
So, COMENITY claimed no check received, late fees will not be waived. I told them I was : XXXX ) Canceling the Credit Card and Account, XXXX ) Stopping payment on the check, since if the dont have it, it could be lost. And asked them to not cash the check as I was canceling the check. 
XXXX ) Sending a check for {$130.00}. 
About a weeks later, my bill pay showed the check for {$130.00} cleared my bank. 
A couple days later, I received notice from my bank that someone tried to cash the original check for {$100.00}, but was stopped as the check was reported lost. 
A couple weeks later ( today ) I received a bill for the returned check fee from the original check COMENITY tried to cash that they claimed they did not receive. 
They adamantly refuse to cancel the charge for the bounced check. 
At the time they tried to cash it, I owed them no money.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.