davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

My credit report is showing National credit systems ( XXXX XXXXXXXX XXXX ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bryant, Hodge & Associates LLC (WA)

I have no debt currently in collections. Back in XXXX of this year I received a phone call saying I had a debt from XXXX for {$6000.00} and they were offering a half off to settle the debt. They had my full name. I did not provide any personal information but did verify that they had my name correct. I was confused since I currently have a Chase VISA that had a {$6500.00} balance but I was current on payments and had never been late. It dawned on me that this was possibly from an old XXXX debt I had in XXXX  that was charged off and no longer owed. I quickly told them this was no longer owed and to stop calling me. 
I dont know if they have tried to call back since I have not answered unknown numbers since then and no voicemails since I leave my voicemail full ( due to other personal reason and not this in particular ). People I know only leave text. A few days ago I get the following text with the same amount so this must be the same company. This may be  a scam or a collector that purchased a very old debt in hopes to still collect ( I heard this is possible ). Since I advised them not to call they should not be texting me either. 
( my full name was here ), My name is XXXX XXXX from BHA Services you have a past due bill from XXXX. # XXXX. Balance Due : {$6000.00}. I can settle your account for {$3000.00} During this time we are working from home socially distancing, trying to keep the economy moving, we have offered you a 50 % reduction of your bill, when can you make your next payment? 
BHA SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX PhoneXXXXExt XXXX Webwww.bhabillpay.com here is our contact info.
Consumer complaint received 2020-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor Transunion provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

I filed a complaint on Navy Federal Credit Union complaint number : XXXX on XX/XX/XXXX, I received confirmation on XX/XX/XXXX that they responded that they are still reviewing my account. Today XX/XX/XXXX I received a email from Navy Federal stating that they are unable to grant me membership due to not being able to verify my identity how is this possible when my account has been open for months if my identity couldnt be verified they would have requested that information well before opening an account for me, I feel as if this is a stall tactic to keep my accounts frozen for no reason at all I explained the situation in my first complaint Navy Federal is trying to cover their tracks they are liars and I would never wish this treatment on anyone about their own money in their account how do you just freeze someone account with no explanation as to why I will have my lawyer involved in this matter immediately a rep begin asking me personal questions like what am I spending my money on I dont have to disclose this information to you all what give you the right to ask me that question
Consumer complaint received 2024-02-26
Product: Credit reporting 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 am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXXXXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX SER - XXXX Last XXXX digit of XXXX : XXXX
Consumer complaint received 2022-11-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I got out of Bankruptcy in XXXX of this year. I contacted Navient in XXXX to see if we can come up with a fair payment I can make monthly. I was told no they stated I was in default before I went into Bankruptcy and they are wanting payment in full. I was contacted again in XXXX and I was told they wanted to get rid of the debt and offered me a settlement of XXXX. I tried to borrow the money with a co-signer and was unsuccessful. Now Navient has contacted my employer and my family members leaving messages for me. This is causing me to have XXXX XXXX every time my phone rings. I really want to make a fair arrangement.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (FL)

On XXXX XXXX @ XXXX, I logged into my my wisely card account unlike any normal day of each month, to notice my account was inactive.I wasnt notified via email nor by phone from this company to let me know about this issue.I have my Social Security benefits to be direct deposit to my wisely card to pay my rent and bills each month. This company made that impossible for me to pay Merchants for other sources this month ; to keep me and my XXXX XXXX XXXX son homeless.I went into my local Social Security administrative of me not receiving my benefits today, and that Wisely card customer service is claiming they havent received any SSDI payment for me. Social Security administration said that money was deposited into the wisely bank and that is showing from the treasury that it was sent off to Wisely bank.Call Wisely spoke with the supervisor she was no help {$1000.00} was on my card {$700.00} Wisely claiming they didnt receive any from Social Security administrator when I seen a pending before I seen my account was inactive. They change my debt card it different from the card I used.
Consumer complaint received 2022-11-03
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: LEXISNEXIS (SC)

I reached out to Lexis NEXIS concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to XXXX, XXXX and XXXX further more I learned that they are still housing the XXXX XXXX XXXX in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

My Credit last year was XXXX until late 2019. At that times, I saw my score drop below XXXX. It was all due to a Old Navy Card Visa that I never even activated. I made one purchase on-line with the card, and paid it off in full. In case I missed any balance, I put it on auto-pay. Apparently there was some kind of {$12.00} charge after I paid off the purchase I made. I did not open bills or emails from Old Navy because I had not shopped there and it was on Auto Pay. I finally realized there was a {$12.00} charge ( not from purchases ) that had become delinquent when my credit score went down. I talked to a representative at length and explained it. My bank info was in the system, so there was no explanation why auto-pay did not pay it. I spoke with representatives several times to explain the situation, and demanded that the error be corrected on my credit report. I was assured that it would be. Now, here we are into XXXX, and this credit card account is still reporting delinquencies for XXXX and XX/XX/2019, and my scores are still below XXXX to no fault of my own. This mistake is the only blemish on my credit report in nearly 20 years of perfect credit history.
Consumer complaint received 2023-07-13
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. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried to dispute a bankruptcy that is on my report at all 3 bureaus. I have disputed XXXX  XXXX which shows dismissed as not mine. XXXX is the only bureau that removed it from my report. XXXX and Transunion are refusing to remove it no matter how many times I have disputed it. Please assist in the removing this dismissed bankruptcy XXXX  XXXX from my reports..
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

Hello, Im having issues with FedLoan and XXXX. My loans are paid in full and I made payments from XX/XX/XXXX- XX/XX/XXXX, Im eligible for a refund under CARES Act. I requested a refund on XX/XX/XXXX with FedLoan. I followed up in XXXX and same story, its processing and can take anywhere from 2 weeks to 2 months. Sometime in XXXX I found out my loans were transferred to XXXX. FedLoan resubmitted refund request. Its now XXXX and XXXX has yet to receive my account info from FedLoan. This is very frustrating. Loan providers go to the extreme when requesting payment, but when it comes to a refund, they find every excuse on why its taking so long. Please handle.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called XXXX XXXX XXXX. I have the full report Ill be uploading. 

The law is clearly doesnt matter to the these institutions. 

Privacy Act of 1974 5 U.S. Code 552a
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

RE : Loan Number XXXX This will be the third time since XXXX that I am having an issue with Loancare. I sent them 2 payments in the past that they never applied to my balance. It was a payment that was set up with my bank, XXXX, via automatic monthly payments. Apparently when my servicing changed, my loan number did and the wrong loan number was on the checks. I called Loancare to try to locate the funds and resolve it by sending them a " proof of payment '' from my bank. I got no response for weeks so I set up 2 complaints through CFPB. 

Because I have had so many problems paying this way, I thought I would attempt to set up an ACH payment using their website. According to their site, I could not set it up ( error message ), so I went back to my banking site and set up a new auto payment coming from XXXX ( with the corrected loan number ). Well, apparently, they got my routing number and account number during my attempt to set up on their site and they pulled the funds from my account on XXXX. XXXX sent a check for my mortgage on XX/XX/30. So now they have 2 payments for my XX/XX/XXXX mortgage payment. 

I am on the phone now with XXXX now filing a claim and cancelling the ACH but it is costing me {$30.00} that I would like returned to me from Loancare. I don't understand how they could pull funds from my account when I never got any confirmation that I was 100 % set up from their site or even via email. Clearly the site is a mess.
Consumer complaint received 2020-08-05
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$510.00} XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$93.00} XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

Information furnished by Early Warning Systems from my XXXX XXXX XXXX Account is a violation to my rights protected by the FCRA and Privacy Act of 1974. Due to the fact they have took it upon themselves to share my private information without my consent in written format requesting for this furnishing to happen ( I opened an account with them in 2017 ). Under 15 USC 1681b Section 604 ( 2 ), and 5 USC 552 ( b ) Privacy Act of 1974, the conditions for disclosure is, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and All in all this must be resolved in good faith.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is exercising unethical debt collection practices. They have not responded to my request to stop calling me at my personal phone number. They have called me in excess of the seven days that they are allowed to. The debt they are calling me about is not mine. It was an unsecured loan in the name of my father who is now deceased.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to  build perfect credit this has taken away all the hard work in a moment please help me with this
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

I received a letter dated XX/XX/XXXX that my loans were discharged through borrower defense. However, theses loans were consolidated with XXXX back in XXXX. In the letter it states that my current servicer of consolidation will reduce my balance. I have submitted a separate complaint to XXXX about this as well. They state they have not received the amount discharged outlined in this letter.