davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I have an ongoing health/mental health XXXX XXXX since 2003 ) that prevents me from gainful employment and also from living an independent life. I work XXXX hours a week, making a total of $ XXXX {$500.00} per month. My doctors are willing to certify the truthfulness and extent of my XXXX. However, Navient, a private lender has a TPD whose wording is so narrow that someone like me can't possibly qualify. To qualify under their TPD, I would need to be totally XXXX, unable to work at all, and unable to earn anything, unlike the federal TPD. Under my XXXX, I can not work enough hours or make enough money to make even their smallest monthly payment amount.
Consumer complaint received 2020-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NC)

I received an alert from XXXX  that there had been a change to my credit file. When I checked my latest report, I had a collection from " Security Credit Services '' for {$1000.00} with the original creditor listed as " XXXX. '' I DO NOT have an account with " XXXX  '' and I have received NO communication from " Security Credit Services '' regarding any unpaid debts! My credit score dropped 104 points and I am EXTREMELY upset!
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I tried several ties to initiate a credit freeze with Equifax, using their website. Each time I received a " not allowed '' error, # XXXX. 
The help section of the website has only boilerplate questions but no telephone or email contact data.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

Thank you. XXXX XXXX
Consumer complaint received 2020-02-23
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: United Collection Bureau, Inc. (MN)

United Collection Bureau , Inc. Continues to contact me via phone and mail regarding a debt of {$27000.00} for XXXX XXXX Visa Card . I filed Chapter XXXX Bankruptcy with the United States District Court of Minnesota Bankruptcy Court and the debt was completely discharged under Chapter XXXX bankruptcy.
Consumer complaint received 2020-02-23
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: DISCOVER BANK (MN)

Discover Financial Services continues to contact me regarding {$25000.00} of debt I owe to Discover Financial Services. I filed Chapter XXXX bankruptcy with the United States District Court of Minnesota Bankruptcy Court. The debt was completely discharged under Chapter XXXX. I dont owe Discover Financial Services any debt.
Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I was taken a look at my XXXX and I see I have a collection debt account for {$590.00} from TRANSWORLD SYSTEMS INC for XXXX XXXX XXXX  I have no knowledge of this company account with TRANSWORLD SYSTEMS for  XXXX XXXX XXXX  taken in XX/XX/2015 This collection on my credit report is hurting my credit score and I would like it removed
Consumer complaint received 2022-12-01
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. (CA)

Pursuant to 18 usc 8, I owe no debt. This company is violating my right to privacy pursuant to 15 usc 1681 b 2. Company has also NO permission to report ANYTHING using my information pursuant to 15 usc 1681 4.
Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

The debt in question was incurred in XX/XX/XXXX by someone that I don't know because my social security number and ID Was stolen. This debt first came to my knowledge when it went into collections in XX/XX/XXXX in the amount of {$870.00}. I began disputing the debt at that time and successfully had it removed, with acknowledgement from the original debtor ( XXXX ) that it was a fraudulent account and would be removed from my credit. This was completed in or around XX/XX/XXXX. Since that time, the collection has been removed from my credit and was no longer present. 

However, just a few days ago, on XX/XX/XXXX, I see that the same collections agency ( Southwest Credit Systems ) has reported the debt as a collection and reported the opening date as XX/XX/XXXX for the same amount of {$870.00}. This is COMPLETELY fraudulent as I have not had any account with XXXX and the debt in question was fraud, as stated earlier, and was opened in XX/XX/XXXX. The fact that this company is reporting this debt after 7 years is in violation of the FCRA and in addition to that, they are fraudulently reporting the date the account was opened as XX/XX/XXXX. 

Please have this removed as it has caused my credit to drop 56 points due to a debt that is fraudulent, does not belong to me, and was resolved nearly 5 years ago.
Consumer complaint received 2024-02-12
Product: Credit reporting 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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I received a letter in the mail today from Equifx, credit file date XX/XX/XXXX confirmation # XXXX and the name is still incorrect. The name on the letter is XXXX XXXX, my name is XXXX XXXX and I have told them this more than 100 times. I haven't used XXXX XXXX since I was divorced in XX/XX/XXXX. I have no credit under XXXX XXXX, no ID under XXXX XXXX and it is not my name!!!!!! 

I want my credit file corrected asap to my correct name which is XXXX XXXX XXXX and my address is XXXX XXXX  XXXX XXXX XXXX, NC XXXX and my employer is XXXX, XXXX and XXXX, XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (FL)

I am in the process of purchasing a new home closing this month, XX/XX/2019. I have working diligently to maintain my credit scores. Last month i received a notice through my XXXX account that a new collection was added to my reports. I quickly contacted the company listed to see what this was for. It was a XXXX XXXX collection for an address, even state that I haven't lived in for several years. The company had my previous address and phone number so I was never advised of this debt as required by law. They day I paid the debt, on a recorded line, the representative ensured me that they would removed this collection from my credit report after payment due to me never being advised of the collection. Now, two weeks later when I called to verify when they would be removing the collection from my report, they are saying that they are not going to remove it now. Again they told me it would be deleted on a recorded line the day I made payment! This not being deleted from my credit as they promised to do when i paid the account off is going to make me lose my new home and thousands of dollars I have paid in earnest money deposits!
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

Southwest Credit tricked me into paying a debt that had been settled in full by another collection agency, XXXX. I have all documentation that I would like to attach. I was originally defrauded into a contract with XXXX and they actually owe me {$480.00}. I complained to XXXX and they did nothing. They seemed more concerned with their subcontractor, XXXX XXXX, adding a service onto my account without my permission. 

I paid {$240.00} to Southwest Credit through their website on XX/XX/2021 because they tricked me into paying something that had already been settled. 

Furthermore, they sent me a letter dated XX/XX/2021 saying that I had authorized 3 more payments of {$240.00}. I did not. They said that the payments would be charged on XX/XX/XXXX and I needed 3 business days to " revoke my authorization. '' Since I this account was settled with XXXX, I would like my {$240.00} back and want to make sure that this type of inappropriate and probably illegal behavior be ceased at once. I do not want them to have access to my bank account. XXXX, my bank, told me that they would do nothing to reverse the charge and I would have to resolve it with Southwest Credit, which I tried several times today, Saturday, XX/XX/2021. 

I would you to take legal action against Southwest Credit in case others are being told that they owe money on accounts that have been settled by another agency or the original vendor. I would like you to also take action against XXXX to weed out and fire all sub-contractors that commit fraud. They have the 18 minute call recorded where this XXXX XXXX was doing everything possible to make sure that I didn't hear the details of the contract I was getting into in the first place. 

And mostly, I want my {$240.00} back from Southwest Credit and suggest you fully investigate this behavior. As I mentioned, I have a lot of documentation that I would like to add to this complaint in the way of file attachments.
Consumer complaint received 2019-05-02
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 — Problem with personal statement of dispute
Company: Rosebud Economic Development Corporation (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX telephone number not available on behalf of Rosebud Lending XXXX XXXX XXXX Box XXXX XXXX SD XXXX telephone number not available I never heard of them and never contacted them ever in my life. The date it showed up on my XXXX XXXX report is XX/XX/XXXX XXXX
Consumer complaint received 2020-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

I am a victim of identity theft. Someone opened a fraudulent Money Gram account using my name and personal information and I cant open up an account with Money Gram. I have never applied for a Money Gram account.
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMERICAN HONDA FINANCE CORP (TX)

I have detailed and documented pictures and information regarding creditors who have harmed attacked and tried attempts on my life that were XXXX in a Chapter XXXX bankruptcy filed out of the northern district of Texas. My husband is now dead XXXX and they have literally along with multiple other criminal organizations and other corporations initiated paid and bartered to achieve their goal. I need assistance protection and help with this matter that has been taking place since XXXX. XXXX XXXX XXXX, XXXX, mailing only I had to seek safety XXXX XXXX XXXX XXXX Texas XXXX Access and assigned an advocate who specializes with this situation and XXXX XXXX XXXX
Consumer complaint received 2020-02-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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Consumer complaint received 2020-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files
Consumer complaint received 2020-02-23
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: BMW Financial Services NA, LLC (TX)

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Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

Complaint Description : None Validation This company continues to reach out to me to collect on a hospital bill that isn't mine. I've asked for VALIDATION of this debt which is a signed agreement or contract with signature and they have failed to do so. I'm asking that the company stops sending me bills and do not report this none VALIDATED debt to the credit bureaus. The 30-45 days are up and the company havent VALIDATED the debt which is a violation of my consumer right. I am and will seek legal assistance if Credence Resources Management continues to harass me without Validating the debt. A bill is not proper Validation theres no legal signatures between myself or the company.
Consumer complaint received 2020-02-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2020 XXXX XXXX, I was scammed and transfered XXXXUSD via Chase quickpay to someone with an email adress XXXX. I was exchanging XXXX currency with this person online who was supposed to transfer XXXX currency online to me after I quickpay him/her the money. However, he/she never replied to my message after I transfered the money. 
I contacted the Bank of Chase and they refused to reverse the fund. The transaction is under pending but they also said the money is already transferred to the other person. The bank has authority to access the transaction and they are allowed to reverse that with this type of scam. However, they refuse to. 

Here 's the police case number : XXXX
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Presto Loan Center, LLC (NC)

Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my Presto Auto Loans account was never late not even the 1 time both companies show. XXXX and XXXX. Nor was it closed as a negative as XXXX  shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from XXXX  and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by XXXX  was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you XXXX is unable to receive disputes online. I also have sent numerous letters will all required information with no response from XXXX.
Consumer complaint received 2021-04-17
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. (TX)

In the early quarter of XXXX, I had fell behind on some payments and XXXX  sent me a demand for payment. 

During the month of XX/XX/XXXX, I paid a total of {$7900.00} to take care of the outstanding balance and become current. 

A month later, on or about XX/XX/XXXX, XXXX wrongfully repossessed my car. This was an error because I was current and had been current for the entire month before. 

After demanding my vehicle back, XXXX returned my vehicle but had charged me for their mistake in repossessing my vehicle. On XX/XX/XXXX, they had charged me a {$850.00} fee for the return of the vehicle that they had mistakenly repossessed. 

Not only have they charged me for this mistake but they have also continued to report my car in repossession status even though I have the car even a year later and is still current on my payments. 

I have repeatedly called and sent e-mails to remedy this issue, however, they have failed to fix it on my credit report. I have not been able to purchase a home due to the repossession being on my credit report. Because of this, I have undergone a failed closing. Also, it has been substantially harder to rent because of this false reporting. 

To prove what I am saying, I have attached a copy of the false reporting that says " repossession '' status on my credit report. Also, I have attached a copy of the printout from XXXX where it clearly indicates that my next payment isn't due until XX/XX/XXXX.
Consumer complaint received 2020-02-23
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. (NC)

Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my XXXX XXXX XXXX  account was never late not even the 1 time both companies show. XXXX  and TransUnion. Nor was it closed as a negative as Transunion shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from TransUnion and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by TransUnion was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you TransUnion is unable to receive disputes online. I also have sent numerous letters will all required information with no response from TransUnion.