davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

Over a period of months they've contacted my neighbors, my siblings, my sister-in-law 's parents, and engaged in harassing phone calls when they know how to reach one of my parents and myself. The purpose is harassment. Having learned the nature and background of this loan service provider who bought my loan supposedly from XXXX XXXX, I refuse to deal with them. They've repeatedly violated federal and state Fair Debt Collection Practices, and engaged in profane, abusive and harassing patterns of conduct. I do NOT trust their reputation given their proclivity for fraud to enter or sustain any contractual relationship with them nor repay loans with them as the student loan service provider of record, and I request injunctive relief from the U.S. federal government, including but NOT limited to forcing their resell of my student loan to another service provider. 

I would prefer to have my loan resold to another loan service provider. I will NOT voluntarily enter into a contractual refinancing of my student loan with Navient given their reputation and the present allegations made against them by the CFPB and the Attorney Generals of several states from Pennsylvania to Washington State.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

TODAY, XX/XX/2018, I CALLED CUSTOMER SERVICE OF BANK OF AMERICA. I WAITED MORE THAN 45 MINS, & THEN XXXX XXXX CAME ON PHONE. SHE DROPPED MY CALL. CUSTOMER SERVICE OF THIS BANK IS HORRIBLE. STAFF OF BANK OF AMERICA DO NOT HAVE ANY RESPECT FOR CUSTOMER.THEY TREATS CUSTOMER LIKE A DIRT. I WAS VERY MUCH FRUSTRATE WITH CUSTOMER SERVICE OF THIS BANK.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

My debit card was used with no auth by me and XXXX was taken out of my account. 
I filed a dispute and was given a date of XX/XX/2022 that funds would be reversed during investigation. 
I have had this account for 3 years and never spent like this. 
It was clear as day unauthorized. 
I have multiple emails to and from the fraud dept basically dragging me along. 

I live on a fixed income and desperately need my money returned as I have a XXXX XXXX XXXX my husband with XXXX XXXX XXXX XXXX XXXX XXXX ... the bank is chime banking..
Consumer complaint received 2020-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS ARE ACCOUNTS THAT ARE REPORTING INACCURATE TRANSACTIONS. THOSE NEGATIVE MARKS WERE NOT DONE BY ME AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT SCORE. DUE TO THESE DEROGATORY ACCOUNTS IT IS NOW HARD TO ACQUIRE NEW CREDIT. ITS EMBARRASSING TO BE DENIED CREDIT WHEN I AM NOT AT FAULT FOR THOSE TRANSACTIONS. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS COMPLETELY OFF MY CREDIT.
Consumer complaint received 2021-09-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

Hello, I am a victim of identity theft and hoping to dispute a collection that was opened on XX/XX/2022 for the amount of # XXXX. 

The original creditor is CCS for XXXX XXXX XXXX and the Agency is CCS Collections. 

The date reported was XX/XX/2022. 

I have filed disputes with XXXX XXXX XXXX XXXX 

Someone with the address of XXXX XXXX XXXX XXXX, tx XXXX was able to add their address on my XXXX  account.
Consumer complaint received 2020-01-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA with Mortgage service company XXXX took a double payment with transaction record date of XX/XX/XXXX. I realize when I went to make my payment on XX/XX/XXXX for my XX/XX/XXXX due date it showed I owed nothing until XXXX. When I looked at the transaction records it indicated a double payment for different amounts then reversed then applied to the XXXX payment all for the same XX/XX/XXXX transaction date. This was NEVER brought to my attention as they explained their system did this AUTOMATICALLY with no knowledge of any USAA or XXXX personnel. My Bank account had $ XXXX removed and NOT returned until in XXXX when I brought it to their attention, then they still made more mistakes until I had to contact the President/CEO office of USAA to have them step in with their contracted service team. 

It appears there is a programming issue with USAA / XXXX mortgage in the automatic processing and NON NOTIFICATION to the consumer/owner. 

In essence they STOLE $ XXXX from me which is a FELONY in most circles yet NO ONE took ownership of the error or knowledge of it. 

Their SYSTEM needs a FULL AUDIT conducted as they also could not confirm if this was isolated or other customers had been affected. 

I want a FULL inquiry and report of the findings provided so they don't just push it under the rug and not make it public knowledge for any potential future class action lawsuits due to their mismanagement/oversight of their processing. 

XXXX XXXX - ID # XXXX, Supervisor - XXXX XXXX, Managers - XXXX, XXXX, XXXX, XXXX XXXX at the XXXX TX XXXX XXXX, and XXXX at the CEO office need to be investigated and define their roles in this issue with XXXX at the end working to resolve but not providing results of internal breakdown and how I can be guaranteed that it will not happen again.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Chime Financial Inc (IL)

1. Received XX/XX/22 XXXX. " CHIME DEBIT VISA '' 3. Includes my name, routing number, account number, exp date, and CVV on card 4. Includes paperwork with my personal information with the request to activate and sign to allow my employer to direct deposit my paycheck to get paid " 2 days early '' 5. I did not request this card or services. I have never heard of CHIME before receiving this. 

chime.com XX/XX/XXXX, member FDIC XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX
Consumer complaint received 2023-05-15
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$10000.00} ;
Consumer complaint received 2023-05-15
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. (TX)

The credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. 

According t

o 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this PLEASE HELP
Consumer complaint received 2023-05-15
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. (SC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-04-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accounts Receivable Management, Inc (FL)

accounts receivable management inc. has called more than 200 times after they bought the account from the XXXX  XXXX XXXX for XXXX i tried to tell them im in the process of XXXX
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I had a settlement agreement with Portfolio Recovery & paid into that for 1 year that I had done through a consumer debt company called XXXX XXXX  XXXX. My debit card was compromised & I had to receive a new one. When I went to update my card on their website, I found out that they don't have that feature. Debt Help gave Portfolio permission to speak with me & I spoke with someone on XX/XX/XXXX & they said they would honor the original settlement but they had to speak with Debt Help. Of course, XXXX XXXX wanted to them & today Portfolio is blatantly lying & telling them they did not speak with me and never made that verbal agreement. I was driving down the interstate & could not pull over to write that person 's name down. I am telling the truth & Portfolio is lying through their teeth.
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an international student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-23
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-24
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. (CA)

On XX/XX/2023, I sent a certified letter to Experian the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the XXXX loan and XXXX account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.
Consumer complaint received 2020-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

XX/XX/XXXX My brother XXXX XXXX XXXX, ( borrower ) bought home : XXXX XXXX XXXX XXXX NJ XXXX, his wife at the time : XXXX XXXX ( co-borrower ) aka ) XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX whom had also used my name : XXXX XXXX/XXXX XXXX through HUD ( XXXX XXXX program ) XX/XX/XXXX The 2 divorced in XXXX County NJ. My brother sold ( I was told ) XXXX the home for 1 . XXXX added a hand written clause to the divorce documents, stating XXXX to refinance home solely & only in her name within a reasonable amount of time. She failed to do so. XXXX filed Deed to XXXX NJ XXXX, then refinanced using my brothers name as borrower. Agreements were done through mail & phone calls. 
XX/XX/XXXX My brother passed from XXXX  XXXX. 
XXXX XXXX XXXX  sent a letter to my son to contact them regarding XXXX XXXX  in XXXX XXXX. ( back in XXXX the 2 companies merged for a 1st time homeowners deal ) XX/XX/XXXX XXXX passed from XXXX  XXXX XXXX. Her husband XXXX XXXX XXXX, stated the home was now his. knowing & depriving heirs of information ( some of this is mentioned above ). He & his brother n law XXXX  XXXX began what I believe is fraudulent acts. 
XX/XX/XXXX The 2 had an assessment done on the home, stating ownership through XXXX & lied, stating no one lived there. Recently I found that plans are to sell so property can be used for project : XXXX XXXX. The 2 took over XXXX 's XXXX XXXX   Account, then the 2 opened a joint account, & XXXX opened 1 for himself there, as well as an account with XXXX XXXX. 

I think I am, as well as other heirs are being prevented from any knowledge of rights to ownership of home, I believe I have & am continually being prevented from : financial resources, mail, transportation, as well as medical services. I don't want to believe this may be happening, due to fact, this is family, people I love & I am suppose to trust. I became very ill after XXXX passed & have applied for XXXX. Personal documents have vanished, indirect threats have been made, & I found that t am a victim of Identity theft, ( documents : XXXX XXXX  receipts/XXXX who used to located in XXXX NJ/XXXX County court record ) fromXXXX & recently mail suggesting I had requested information pertaining to myself. I am a Successor of Interest to said property as my brother had XXXX child, who passed of XXXX XXXX, & no other  children. I live in the house with XXXX XXXX, who was paying my brothers mortgage, ( delinquently ), & he legally is unable to have home trabnsferred ). He claims executor to XXXX Estate, bypassing Probate. Please Help
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (GA)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

I started talking to this lady who said she was a Service Member in the XXXX and she got me thinking that she could make some money with my account, and I transferred her {$3400.00} dollars and then I gave her access cause she said she was going to deposit some money but the check that she deposit were wrong or something but she basically stole my money and I called the bank to cancel the transactions but they didnt help at all
Consumer complaint received 2022-12-27
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. (CO)

in accordance with the Fair Credit Reporting act account # XXXXXXXX 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
Consumer complaint received 2022-12-27
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)

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : 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 2022-01-29
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Dear Sir/Madam : I had a loan modification in XXXX. Per the loan modification agreement, I have interest bearing principal balance and Deferred principal balance. 

I paid off my interest-bearing loan on XX/XX/XXXX, and my deferred loan will be matured on XX/XX/XXXX I did not miss a single payment. 

My mortgage servicer ( Shell point mortgage serving ) has decided that I need to pay the deferred loan immediately which is not stated in the loan modification and proceeds with foreclosure on my property. 

I have worked with the company since XX/XX/XXXX and filed written complaint with the company on XX/XX/XXXX. I kept calling the company and only got notified today through the phone that the loan servicing department of Shellpoint still considered that my payments are late.