davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (UT)

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXXXXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

This is not the first complaint I have filed- XXXXl does not change their tactics and I am still having the same issue. 

**The CFPB has not helped either even though this has not been resolved.
Consumer complaint received 2022-03-09
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: CBC Companies, Inc. (CA)

On XX/XX/2022 I visited the XXXX website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried to check my credit score for free online, after that I found out I was billed XXXX $ from TransUnion and I wasn't even aware they charge for that.There was no ANY information whatsoever on the website and I didn't even know they are charging me and even that I am subscribed! You are automatically subscribed and charged without any knowledge once you put your credit card number to check free score! It is even hard to cancel at all or to reach them. I managed to cancel same day after hassle after I saw I was charged on my online banking however they already took my money. I am also worried about privacy of my important information since they just scammed me for my money! I don't know how can this go away here! In XXXX it is impossible! 
XX/XX/2018 XXXX $ TransUnion
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

To CFPB, A month ago my attorney at XXXX XXXX XXXX sent Resurgent Capital Services a letter concerning a bogus debt they are trying to collect. They claim I owe XXXX {$2000.00} for a phone bill I never had. My attorney requested Resurgent to send us proof of this debt i.e. what is it for. Resurgent did not send proof of anything and just stated that I owed this amount for something I don't. 
When Resurgent responded they did not send proof but rather, stated that they were not going to respond further on this matter. Therefore, and for this purpose we are asking CFPB to look into this matter on a federal level since Resurgent has refused to obey federal law and send us proof of this bogus dept.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovis (GA)

I was hospitalized in XX/XX/2017 and sent home the next day. Was rushed back to have to get XXXX XXXX, XXXX XXXX removed from my XXXX. Hospital stay was over 30 days and when I said I was suing the hospital for sending home with XXXX treatment, I never received a bill. I checked my credit and multiple debts are on my report some twice or three times repeated, I also have inquiries that are unauthorized and Im unable to get updated scores after calling and faxing in information.
Consumer complaint received 2022-03-08
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. (TX)

I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2018-08-20
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. (NY)

i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX  was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXXl , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I found out about Public Service Loan Forgiveness in XXXX and inquired about it with Sallie Mae now Navient who was my loan provider. I asked to consolidate my loans and specifically asked if I was on the correct payment plan for PSLF and was told by the customer service rep that everything was correct. It wasn't until XXXX that I learned by checking on my status that my student loans had to be transferred to the PSLF for it was never done. I contacted Navient in XXXX to begin the process of having my loans transferred for PSLF. I again asked the customer service rep if I were under the correct payment plan to qualify for the PSLF and was told yes and it looked like I would received credit dating back to when my loans were consolidated in XXXX. Just last month I learned that none of my payments prior to XXXX counted toward the 10 year PSLF program which meant that I made 4 years of payments for nothing. Also I learned that my payments would have been less had I been under the correct plan. I was told by Sallie Mae and Navient that nothing could be done and they were sorry that the customer service rep was not well trained in PSLF.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid my credit card bill, sent it certified in fact and it was signed for by Capital One. The issued a lte fee for non payment even though I provided proof, in fact provided proof like 10 times. They refuse to reverse their illegal charges despite the reality.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information was stolen while XXXX  in XXXX. I recently retained a copy of my credit report and noticed accounts that I have no knowledge of nor have I authorized. I see accounts listed from creditors such as : XXXX XXXX XXXX XXXX XXXX XXXX. I have never authorized accounts with such creditors. I also see credit inquiries that I have not authorized. I have contacted the credit reporting agencies and requested these accounts be verified and there has been no formal response. These accounts are unverifiable. 

I have the right to privacy and I have not given any written consent so reporting this information to my profile is in violation of 15 USC 1681B Furnishing information to my profile resulting in identity theft is also in violation of 15 USC 1681 C-2
Consumer complaint received 2022-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in Cal. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in XXXX weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and Capitol One I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you XXXX XXXX This is part of the claim XXXX
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 Bank of America without warning changed the balances on both my checking and savings accounts to - {$880000.00}. This was done with NO correspondence from Bank of America, no  phone call, no email, nothing. I later found out these represented holds on my accounts. I had no access to any money for the day. I noticed it the day it happened and contacted them about my accounts being frozen, and they wouldn't give me any information, only that I had to go to the bank branch with 2 forms of ID. So I did the next morning, at which point the bank unlocked my accounts. I thought everything was back to normal and they just wanted to verify my identification, although it was a very outrageous way of doing so. 

It wasn't until after that weekend on XX/XX/XXXX that I noticed a fraudulent {$1800.00} charge on my account. Again after calling and visiting the bank I was told there was nothing they could do until a picture of the check was uploaded. Finally on XX/XX/XXXX this picture of a bounced fraudulent check that was deposited on my account showed up. This was all officially reported to the fraud department by a bank employee on XX/XX/XXXX at my nearest branch. They then closed my checking account and opened up a new checking account as the fraudster may have had access to my checking account number. I can only speculate ( as I still have been given no information by the bank ) that someone deposited this fraudulent check at a Bank of America claiming to be me, and that the teller believed this person was me and gave this person {$1800.00} in cash for this fraudulent check, which then bounced and was put as a chargeback on my account for {$1800.00} along with a fee for a bounced check. The bank did return the fee. 

It is now XX/XX/XXXX. I have still yet received NO correspondence from Bank of America about returning the funds to my account. I have filed a police report with the local police department, I have locked all my credit reports, I have filed a report with the FTC. I have called their check fraud department twice now for updates and am told after nearly 2 months they have no update and no information. This has been a nightmarish experience that has caused a great deal of hardship to my family with a total lack of communication and lack of empathy or urgency by Bank of America. And I feel that it is due to their failure to identify a fake check, and to properly identify their customers before handing out such a large sum of cash. My funds no longer feel safe at this bank.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I called customer service number XXXX to request a replacement card as instructed in a Citi email I received on XX/XX/XXXX informing me that if I did not use my credit card by XX/XX/2023 then my account would be closed. I spoke with a customer service agent to request a replacement card, and during the call I requested my phone number and address be updated as I had moved and changed my phone number. The customer service agent validated the updated phone number and address. I also received a Citi email on the same day of the call, XX/XX/2023, confirming my phone number and address were updated. Today, XX/XX/2023, I decided to use my credit card to keep the account open, so I went to the website referenced in the Citi letter with the attached new replacement card to activate it. The website confirmed successful activation. I then went to purchase concert tickets through XXXX. I tried twice to purchase tickets, but received an error from XXXX 's website saying the card was not valid. I contacted customer service by calling the number on the back of the replacement card at XXXX and I spoke with a customer service agent who stated she could not validate my account with my new phone number. I asked to speak with a person above her, and was referred to a supervisor who repeated the claim they could not validate my account with my new phone number and stated a letter would be sent in the mail in 5 to 7 business days. I asked to speak to someone above her, and I was told at XXXX XXXX XXXX that a manager would call me back. I requested the reference number for the call, and the supervisor provided the reference number. I waited an hour, and I called the number on the back of my card again. I spoke with an agent who said the manager would call me back. No call back. Why is my access to credit being held hostage when I have already provided a new number, activated the account, and passed all security checks? Today, XX/XX/XXXX, I called the customer service number again, and spoke with XXXX. I explained to XXXX that I had not received the letter as promised in 5 to 7 business days since my last called with customer service on XX/XX/XXXX. I explained to him that it is important that my account not be closed as scheduled by Citi on XX/XX/XXXX due to the fact that I am trying to buy a house now, so I do not want negative changes to my credit. He placed me on hold to ask his manager if he could override the security checks, and he claims his manager told him no. He went on to tell me to wait for yet another letter, but when I asked if my current address was the one it would be sent to, he stated he could not verify yes or no and that the address on my credit report would be the one he would send it to. He also told me when I asked about the address on my credit report he could not share the address with me. I told him I did not care anymore to go through this process, thanked him for his time, and hung up.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NV)

I have a fradulent XXXX charge in my name. 

I have been trying to dispute with the credit agencies, XXXX has reflected the charge was fradulent. XXXX is telling me the charge is legit, though it's not. 

I have called the debt collector numerous times telling them the charge is fraud and they do not mark it so. 

XXXX and Global Radius solutions are messing up my credit.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Had subizied and unsubsizied loans of about {$33000.00} total from XXXX and XXXX XXXX. When graduated from XXXX, couldnt afford payments and Navient was my loan servicer at time. The only option they gave me was deferment and forberance for many years. While accumulating interest rates. When i was out of those options they informed me to switch to another provider to get an income based plan. Which would be federal loans. I swtiched and have an additional XXXX dollars in interest. I was not given an option of ibr plan through Navient. During the forberance time, I decided to go to XXXX XXXX for XXXX. Better job to help pay back the debt. These loans/interest have been a thorn on my side for years. Help. I owe currently about {$420000.00}.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$500.00} XXXX XXXX Balance Owed : {$680.00}
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

I attempted to contact Navient by logging onto my ( secure ) Navient account and sending inquiry via their email system. My inquiry : " Good morning. My account number is XXXX. My balance is now above {$30000.00}. I am going to start repaying soon. I request that my loans be changed to the Extended Repayment Plan and to be notified of how much the monthly payment will be for each loan. Thank you. '' After 4 days, Navient did not acknowledge nor respond to inquiry. 

So, I sent a copy of my inquiry via regular email, to CustomerService@navient.com. 

Navient 's ( automated ) response : " Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction. 
For more information about this error, see DSN code 5.7.1 in Exchange Online - XXXX XXXX. '' On XXXX, a borrower can switch repayment plans on the website - so easy. Navient doesn't even display or disclose which repayment plan your loans are currently on. 

Worse : Navient won't respond to inquiries!!
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have an existing account with Kohls ' since XX/XX/2006. This year, I attempted to increase the credit limit twice, which should have resulted in a soft inquiry. Note there was no notice stating that there would be a hard inquiry. Instead, Kohl 's did two hard inquiries, as if I was applying for a new card. These inquiries significantly dropped my credit score. I contacted Kohl 's several times about this, and they said they would remove the inquiries. However, the inquiries are still there as of today.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken