davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KS)

-As of XX/XX/2020 I checked my credit report which stated I had a score of XXXX. 
XXXX XX/XX/2020, I checked my credit report which stated I had a score of XXXX. 
-The only thing that has been done differently in that short time frame is contacting my loan services for deferring my payments for my student loans.

*As part of the coronavirus relief bill passed through Congress and signed by President Donald Trump on Friday, lenders must stop all payments for federally held student loans through XXXX XXXX. During that time, interest will not accrue on the loans and nonpayment during that period can not be used to affect credit scores or a persons qualification for loan forgiveness. According to the bills text, each month for which a loan payment was suspended will be treated as if the borrower of the loan had made a payment. 
-source : United States Congress -Now they are negatively impacting my credit score in violation of an act of congress.

-The credit reporting agency also failed to protect me under the maximum accuracy provision of the FCRA 16 USC 1681 et al by not insuring that the student loan servicer complied with all the relevant rules required by the FCRA XXXX 
-As such, their reckless, wanton, and disregard for the rule of law has now adversely impacted my credit score, as such I am continuing to suffer irreparable harm by the acts committed and recklessness by the CRAs and Navients solutions LLC .
Consumer complaint received 2017-09-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (NY)

After 11/2 of years ( XX/XX/XXXX ), I did n't know about endorsement and I decided to take over the XXXX XXXX here in US. I paid cash as I go {$17000.00} because of non-, matriculate. I had an emergency about my kids back home that I have to quit school to work longer hours for family matters. After 3 years of my children arrivals in the US, I always wanted to upgrade my XXXX XXXX and I did started but suddenly on XX/XX/XXXX I started to received annoyed phone calls 7 days a week and letters from multiples debt collector agencies to collect loan payment for XXXX for the past of 5 years. They stopped harassed me finally for a while when I told them that I reported them to the consumers affairs. On XX/XX/XXXX, I could n't perform the jobs I used to do and I decided to go back again for XXXX XXXX. Since on my teen age I have a passion for beauty, health care and singing. I did applied on line for financial aid and I paid {$7500.00} for the application and they send me a report therefore when I go to the school to register for the program, the financial aid secretary have to re apply for the financial Aid and I had told that I had a grant and Pell grant.. Unfortunately, On XX/XX/XXXX I received a negative report account using my personal information as the account number from Great Lakes debt collector agencies of {$950000.00}. The programs at that time was {$10000.00} plus the kit fees was {$60000.00} plus {$10000.00} for a total {$11000.00} that I paid my kit 's fee and the registration fee. I have a grant of {$5600.00} as I had been told I also had a Pell grant that I did n't know the amount. And when I tried to find out of this early debt collection and why the Great Lakes international borrower debt collection back on XX/XX/XXXX using my personal identification instead of a loan account, the director of the school and the financial aid secretary after each one referred me to an another, each one replied that they do not have any idea but they will investigate. Therefore I never know about the Pell grant amount because I always wanted to know about why I had been treated unfairly and I did believed they fraud me to collect the previous untruthful and unlawful debt from XX/XX/XXXX wrongfully otherwise I will have a loan account assigned. After I talked to them and have update from me then there is an account and the number is XXXX I did contacted this international agency and set a monthly payment until I determined that was unfair as I promised. It was n't a discussion but I was investigated the debt. my last name was misspell, personal identification reported as account #, multiply different address agencies and names so that prove it may be an untruth account. therefore I wanted this account be investigated and delete accordingly. XX/XX/XXXX this account was paid in full and XXXX balance from credit bureau agencies. I declared and demand justice from unlawful activities. Please feel free to investigate
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (MO)

There are two items reporting on my credit that I need to be removed. In the month of XXXX, XXXX XXXX XXXX XXXX agreed to remove the XXXX XXXX XXXX XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from XXXX  and Experian and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.
Consumer complaint received 2020-04-08
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 (NY)

I used my American Express card to book a flight with XXXX XXXX through American Express Travel agency. This was an international flight booked in XX/XX/2020 for a flight departing XXXX on XX/XX/2020. 

On XX/XX/XXXX, XXXX XXXX XXXX closed down to fight off the COVID-19 pandemic. XXXX XXXX  cancelled the flight around XX/XX/XXXX without offering refunds. I called AMEX and did not accept their offer to re-book at a later date without a penalty. I specifically asked for a refund. Nonetheless, Amex at the behest of XXXX XXXX, left the ticket open. By then XXXX XXXX had directed passengers who booked through travel agencies, online or otherwise, to work with the travel agency to re-book the flight. 

The US DOT has since then issued a directive that states all domestic and international air carriers who have cancelled flights due to the COVID-19 crisis are to issue refunds unless the consumer wants to re-book at a later date. 

I contacted American Express Travel three times since XX/XX/XXXX asking for a refund. They have unequivocally stated that XXXX XXXX is not offering refunds therefore they can not issue me one. This is despite the standing directive from the US DOT. American Express proceeded to charge me for the flight. 

In addition, Amex Travel does not provide me with an email confirmation detailing my complaints with them. 

I have attached the flight itinerary and the Amex billing statement. ( see page 5 for the charge ; page 3 breaks down the charge as billed to rewards points and cash )
Consumer complaint received 2020-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

Due to the following violations : UDAAP : Deceptive and abusive practices when servicing the loan, calling in to obtain loan information and location of the loan. 

Regulation Z - Prompt payment crediting and payoff statements ( 2013 TILA Servicing Final Rule ) and federal law that states that a mortgage servicer is required to provide a payoff within 7 business days. We are far past the 7 business day mark to provide a payoff and errors being fixed. Because the ball was dropped with the loan modification on US Banks behalf and XXXX had no such knowledge of my 2nd mortgage to provide a payoff to us. Also, the paperwork we received is inaccurate if XXXX had no such knowledge of said mortgage. I have several emails of this going back and forth with XXXX. 

As a result of your negligence, violation of Regulation Z and inability to correct the errors from the onset of our communication with the loss mitigation department within allowable timeframes, Our remediation request is as follows : 2nd Mortgage/Partial Claim amount for XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NV XXXX be released and no longer liable for said debt as there was no payoff that could provided within the 7 business day timeframe or within an understandable timeframe. Additionally, the mortgage was paid and satisfied according to US Banks representatives as of XX/XX/XXXX. 

Upon relinquishing my name from this debt, a letter to be provided confirming loan paid in full and satisfied sent to me via email. 

Kind regards, XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Additionally, We filed a complaint with XXXX XXXX Supervisor in the Loss Mitigation department on XX/XX/XXXX and it has been 6 business days since and we have not heard anything from any escalated department regarding our complaint and the regulatory violations we submitted.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

Hello, I am reporting about XXXX XXXX  refusal to take action regarding an unauthorized electronic withdrawal on my account. 

The saga began last XXXX when my XXXX checkbook was stolen. Among other problems, an unauthorized electronic withdrawal of {$140.00} occurred using the numbers from the checks. The following month I submitted the necessary forms to XXXX both electronically and via registered mail. I also reported the crime to my local authorities which XXXX advised me to do. 

Since then I have done everything in my power to have this matter resolved resolved and to work with XXXX XXXX. 

Despite my continued attempts at polite communication with XXXX, as well as resubmitting the form several more times, my account still has not been credited. Nor will XXXX communicate with me as to why.

In addition, a local Deputy was actually able to identify a suspect. However XXXX XXXX  refused to comply with a subpoena. The sheriff was trying
to attain the IP address that the thief had used, which was necessary to complete an investigation. Only XXXX has this information ... but they refused to give it to me either. 

You can see the dead end I found myself in! That is why I am thankful that you have the power to step in and resolve this matter. 

Please do not simply refer me to customer service at XXXX. I have been around that circle many times. To give you an idea, Ill describe my most recent interaction with XXXX  ... 

After sending the attached email to XXXX XXXX, addressed to CEO Mr. XXXX, I received a call from a manager. I actually was impressed that XXXX responded! However the woman calling me was only vaguely familiar the email. I suggested she take some time to read it over ( if youve read the email you know where this is going : - ) ). I never heard back. 

Besides what Ive attached there is much more I could send If it would be helpful there are all the other emails Ive sent to XXXX as well as phone records, in case youre interested in seeing how persistent Ive been! I could also give you the info I submitted to the sheriffs department, or forms regarding the check fraud, and so on! 

Thank you so much.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Business Corporation (TX)

XXXX - XX/XX/2020 we had our mortgage loan refinanced with XXXX XXXX XXXX XXXX ( XXXX  ) and closing SWBC Mortgage. During the process SWBC is showing us 30 days delinquent in XXXX 2020 where are loan was closed by XXXX. We tried sending SWBC the information showing them this was taken care of. SWBC refuses to help us with this situation and after talking with people at SWBC they even admitted this was in error therefore, whoever is doing the background check for this delinquent time frame isn't doing their due dilingence. We need help in getting this resolved as our loan has been paid in full from XXXX  to SWBC and the removal of delinquency should be reversed especially during this time with the coronavirus as we're unable to go into SWBC to try and get this resolved in person. Please help my husband and I XXXX and XXXX XXXX have this rectified as it has made a huge bad impact on our credit report. thank you!
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXX  L ) XXXX XXXX ( Original Creditor : KXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (PA)

Please be apprised that Progressive are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. You proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX  XXXX XXXXt # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a boat loan with BB & T - now Truist. Contact with the lender is impossible - wait times predicted 30-40 mins, and when you do contact them they can not produce pay off quotes or get any communication to you within 2-3 days. Trying their social media account is also useless as they suggest they will get back to you within a business day via an automated chat bot.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

In XXXX of XXXX, someone used my name to open a XXXX XXXX   XXXX account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from XXXX XXXX about an overdue balance around XXXX, XXXX. When I returned the call, the XXXX XXXX department couldn't find any information about an account matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from Midland Credit Management dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. XXXX XXXX had closed the account and had sold it to Midland Credit. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to Midland Credit in XX/XX/XXXX with documentation. No letter from Midland. 
I receive several phone calls from Midland Credit each day and want it to stop.
Consumer complaint received 2020-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DO NOT KNOW HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE BUT I AM CERTAIN THAT THEY DO NOT BELONG TO ME SO I AM ASKING THAT AN INVESTIGATION AND REMOVAL OF THE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

I have been attempting to ask Hunt and Henriques for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted Hunt and Henriques asking for help and a settlement, but they demanded I hand over {$1600.00} to settle this account. Unfortunately, I dont have {$1600.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX and the regulators see what Hunt and Henriques is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Hello, I have a purchase on my well Fargo credit card on XX/XX/2019, amount is {$47.00} this is fraud. I didn't make this purchase and don't know what is this. please tell them to fix it.
Consumer complaint received 2023-03-02
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: Bread Financial Holdings, Inc. (IL)

A credit card was opened in my name on XX/XX/2023 I did not authorize to open. The credit card was opened under comenity bank ( XXXX ) a bread financial company. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at XXXX credit bureau.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: The Best Service Co.,Inc (CA)

I had a XXXX XXXX XXXX XXXX account which the bank closed in 2016. It is now reporting out on my credit reports, which I am attempting to clear off negative items. I called XXXX XXXX XXXX XXXX in an attempt to secure a " Pay for Deletion letter '' and pay off the outstanding balance. XXXX XXXX XXXX XXXX referred me to their collection firm : The Best Service Company. I called the Best Service Company to make the same request and offer and was told they can not have items removed from my credit report - I know this to not be true. In addition, the collection agency is saying I owe $ XXXX when the amount reporting on my credit report [ {$310.00} ] - although I do not agree with either amount, I am willing to pay off the account, contingent upon it being removed from my credit report with all XXXX credit bureaus.