davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OR)

Between XX/XX/XXXX and XX/XX/XXXX I attended The XXXX XXXX of XXXX. During that time I was pulled out of class and told by the financial aid department that I had to sign a document to continue getting federal financial aid. If I didn't sign the document I would be disenrolled and my student loans would come due. This was absolutely terrifying for me. They made it seem as though I had not filled out all my paperwork properly and that I needed to sign asap to rectify the situation. As an XXXX XXXX XXXX I didn't think anything of it. I was still living at home with my parents and didn't have any experience with loans or credit. When I graduated I tried to find a job in my field and quickly learned that my degree was useless and I'd essentially dedicated XXXX years of my life to a scam. I also found out that not all my loans were with the federal government. When I looked into my loans I was then informed that I had over $ XXXX in private loans. Today those loans are over $ XXXX and I've been paying on them for XXXX years. Originally Navient told me to put them in forbearance which I did. After that I was told the only option was to make principal only payments. Today they are refinanced through XXXX XXXX which I'm not sure helped or if that was a way to get them out of their original form to avoid any sort of relief.
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Today is XX/XX/XXXX, and again, I have not receive my year-end statement, also known as IRS tax form 1098 for the year XXXX, from Select Portfolio Servicing, as required by law. 
However, on XX/XX/XXXX Select Portfolio did take the time to submit fraudulent documents were my signature and initials were forged, copied and pasted to fraudulent documents. 
Select Portfolio Service also has not posted my XX/XX/XXXX payment as required by law. This is a common practice of Select Portfolio Servicing. Select Portfolio Service also stated that CFPB was sent the same fraudulent documents XX/XX/XXXX that was sent to me.
Consumer complaint received 2023-03-08
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: VW Credit, Inc (NY)

XXXX XXXX XXXX XXXX {$88000.00} charge off! 

Volkswagen credit XX/XX/XXXX {$39000.00} XXXX XXXX XXXX XXXX XXXX  balance
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY CREDIT TransUnion : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX
Consumer complaint received 2023-02-13
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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
Consumer complaint received 2023-02-13
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. (PA)

I am not liable for this debt with XXXX XXXX do not have a contract with any collection agency. They do not provide me with the original application as I asked for Proof of copy of the original application including my signature Full payment history from the original creditor, and original agreement showing they can legally collect the debt. If cant send proof delete this account from your credit report as soon as possible! This is under 15 USC 1692g because they were to notify me of this in writing 5 days prior but I was not informed at all!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit 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
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Due to a recent divorce, I was advised to check my credit where I found several questionable collections listed. I reached out a few times but have yet to be provided with anything authorizing my ownership of these debts. I have requested original contracts, my authorizing wet signature, and/or any supporting documentation. I was advised that anything not verified within 30 days should be removed from my credit report. I have heard nothing back from either of the following creditors : XXXX XXXX Rev Dated XX/XX/XXXX in the amount of {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$900.00} XXXX XXXX Rev Dated XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  Dated XX/XX/XXXX for amount of {$270.00} XXXX XXXX XXXX Dated XX/XX/XXXX for amount of {$270.00} XXXX Funding Dated XX/XX/XXXX in the amount of {$450.00} XXXX XXXX Dated XX/XX/XXXX in the amount of {$150.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$190.00} XXXX XXXX XXXX Dated XX/XX/XXXX in the amount of {$390.00} As you may agree, a few of these seem to be duplications. Although the different credit bureaus may list different dates, they are all very similar entries. These are reflecting very negatively on my credit.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2023, Bank of America suddenly closed all my credit cards and forfeited my rewards. The reason is that my account had irregular transactions and my credit score is only XXXX. I contacted Bank of America as I believe that is a mistake as I never had an irregular transaction and my credit score is not low. But they refused to explain. I asked them to help me to pay unpaid balance as I could see my accounts online anymore. The representative muted me and her helper said she was disappeared and then the helper laughed and said he is XXXX XXXX XXXX and told me the bank can do whatever they like. Obviously Bank of America credit card department is having so much hate and playing a trick with a discrimination. Even some threatening. That is very serious.
Consumer complaint received 2023-02-14
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: ALLY FINANCIAL INC. (NY)

Ally Financial violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so. This is identity theft and a clear violation of my consumer right and the consumer laws. This is a civil liability violation and penalty can and will be implemented for damages sustained.
Consumer complaint received 2023-02-13
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2020-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have opened a checking account with HSBC bank in XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX branch. 

The account had a a special promo offer of {$370.00} signed up bonus if one of the following conditions are met : 1. Maintain balance in the new checking account of {$10000.00} for 90 days, or 2. Open account with {$5000.00} with a recurring direct deposit at least once a month. 

I have satisfied the 2 condition. Opening an account with {$5000.00} and since then having portion of my salary directed into the account. 

Upon numerous walk-in followups on the promo bonus, i was told it would be deposited at a later time, however, when it would not show up in the account, a banker advised it would be communicated to the management. 
Over all, i have made about 5 separate trip to the branch where at one occasion the banker admitted it was bank 's common practice not to honor the promo. 

On XXXX, XXXX XXXX, I received an email stating the banker had received a response from the corporate office and the bonus does not get posted due to my not satisfying a condition of depositing {$10.00}, XXXX. However, the same banker did acknowledge earlier that we satisfied the second condition. ( I have in my possession a hard copy of the promo, where both of the conditions are mentioned ). 

Since then, I have been trying to find other way to prove my right. 

I have not closed an account with them yet. 

I would appreciate your help on this matter. 

Thank you
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I contacted the debt collector on XXXX to request a verification of debt letter by a supervisor ID # XXXX XXXX. I was told she was not able to send one as IC Systems did not own the debt they were trying to collect on. I was told they could only send me a balance statement in regards to the debt. I made clear that I have not received any correspondents via USPS and was only mad aware of the debt when I ran a credit report.

I made multiple request for a letter to verify the debt and was told it would not be sent.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

XX/XX/XXXX I filed a complaint # XXXX against ALLY FINANCIAL for continued refusal to provide by mail copies of my original contract documents for vehicle loan that occured on XX/XX/XXXX. After several attempt to get the documents over several months ALLY continues to knowingly and willingly withhold the contract documents with no explanation as to why this request is so hard for them to complete. After months of being lied to and told it will be sent within 10 business days it has now been 4 months. As of the date of this complaint they have reached out to me via phone and email ( see attached ) to continue to stall and gaslight when all I need is copies of the signed contract documents. There has been ample time and requests for this information and instead my rights continue to be violated by this company as they refuse a simple request from the consumer they are doing business with.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK
XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX

FCRA Violation:  credit card not mine
XXXX XXXX XXXX XXXXXXXX XXXX  
FCRA  Violation: other loan never late XXXX XXXX XXXX

FCRA Violation: other loan not mine
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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


FCRA Violation: collection not mine
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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

XXXX To Whom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all auth

orization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802.

I am rescinding authorization ; effective immediately and indefinitely.

Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805.

The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ).

Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/1977, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My wallet was stole in the summer of 2018 with my identification card, Social Security card and debit card. I recently took interest in my credit because I am looking to buy a house so I ran my report and noticed I have a few things in collections that I have no knowledge of, and was not aware of.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Applied for regular mortgage through Bank of America, and on the application was denied due to lien on my current mortgage, but this is false. I do t have any liens on my current mortgage. They did a hard credit check, and was directed to call their mortgage specialist. So, basically the Bank of America home lending Dept. falsified my application. I got a message asking to call them. No approval for loan with credit score of XXXX. No email explanation, no letter sent. I have zero liens in my name.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (MI)

Hold an Amex XXXX card with # XXXX, an unauthorized charge of {$160.00} was made by Amex XXXX on XX/XX/2022. Disputed it and Amex sent email on XX/XX/XXXX stating the dispute was resolved and {$160.00} will be credited back to my account within one billing circle. 
Never received it, and Amex online representative provides no useful resolution.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I received a debt collection letter today ( XX/XX/XXXX ) stating a person who is not me owes a debt of XXXX to a XXXX XXXX XXXX from XX/XX/XXXX. Then there are offers stating if I pay a one time payment of XXXX my account will be paid in full and I must have payment in their office within 45 days. 
It uses portions of my maiden name but not my full same or any name I would have applied for credit under. There are no other identifying features such as account numbers, birthdate, ssn, etc. 
I have no outstanding credit or debt. I do not have any purchases that havent been paid in full and I do not know the creditor or agency attempting to collect. 
I feel that this is a scam/fraud in attempt to make me pay money or provide my personal information or there has been an identity theft and there is some fraudulent charge associated.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I deposited {$1500.00} into my account on XX/XX/XXXX in the amount of {$1500.00} not even two days later I took out a payday loan for {$1000.00} the next day they closed my account and when I called the bank they never told me why I finally got in touch with the bank and they told me because I tried to deposit a loan for {$1000.00} that it was a illegal account and never told me why until I called them
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit Solutions LLC (CA)

This company has called me repeatedly, as much as 20 times per hour. Ive asked multiple representatives for more information about the debt, in writing to the address I have on file to better understanding they debt they are attempting to collect is in fact accurate. Specially I have asked repeatedly for information about the provider information, date services are rendered etc. but had been told repeatedly that it is not possible to receive more information about the debt owed. During the phone calls this companys representatives are aggressive and still continue to call after being asked not to contact me further.