davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (PA)

I send a letter to on XX/XX/2022 asking Source Receivables Management to validate the debt they were reporting to my credit report. Then on XX/XX/2022 I sent anothe letter asking for some details regarding this account, I never received a response. Most recently I sent an additional letter on XX/XX/2022 warning them I will submit a dispute with you guys and asking to verify some information. Again my letter was ignored.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

My student loans were serviced by Navient who repeatedly recommended and encouraged me to go into forbearance in XXXX and XXXX rather than make qualifying payments towards what would have been public service loan forgiveness ( PSLF ). This has extended my loan obligation and will in the end cost me thousands of dollars. It is only now coming to light through various reporting that this was a deliberate strategy on their part to get borrowers off the phone. I would be happy to provide whatever evidence is necessary for CFPB to take action against Navient for intentionally misleading borrowers.
Consumer complaint received 2017-05-26
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. (KS)

As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX  .     I have received no bills, and have no idea what this is for. I have confirmed with the   XXXX   XXXX   XXXX   at  XXXX  that I owe no balance to them. That all charges that would appear as   XXXX   XXXX   have been paid and no balance outstanding since   XXXX
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My daughter XXXX XXXX XXXX opened a credit card account ending in # XXXX in XX/XX/XXXX at XXXX XXXX XXXX XXXX. She added me as an authorized user. I requested and she removed me from the account on XX/XX/XXXX by XXXX. She was 30 days late on her payments in XX/XX/XXXX and this is reflected on MY Equifax credit report and looks like I had a late payment. This is my second request.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (PA)

I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

The companies involved are already aware as I have written to all of them. XXXX is claiming that I have not made any payments since XX/XX/XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX   negotiated with me. XXXX went out of my business in XX/XX/XXXXwhen my account was paid in full. They told me that Attorney Marvin Dang would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, Dang instead wrote me and said that I haven't made payments since XX/XX/XXXX. This is inaccurate. I have sent letters and proof to Marvin Dang and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an Apple product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX '' invoice is not.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I lost my access to my old CFPB account, that is why I created this. I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

CAPITAL ONE closed my consumer credit card account and refused to honor my instrument and offset the debt. This is a violation of 12 CFR 1026.11, due to the noncompliance and the closing of my consumer account.
Consumer complaint received 2019-05-25
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: I.Q. DATA INTERNATIONAL, INC. (AL)

I have a collection on my credit report from Iq data international and after disputing this alleged collection with the credit bureaus it came back verified. So i wrote the original creditor and this collection company and ask for validation and the original signed instrument for proof this account belongs to me neither have answered me back. You can't verify an account through XXXX a physical person has to certify under law that the account belong to me and that the statue of limitations isn't up on the debt which it is in my state of Alabama and that they have a license to collect in my state. Which they haven't provided proof of anything.
Consumer complaint received 2019-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In mid XXXX my personal and business Chase credit cards stopped working while trying to get gas. After receiving no calls, texts or emails asking if " I was trying to use my card at a gas station '', I gave chase a call on the XXXX number provided on the back of the cards. I informed the customer service representative that I was trying to buy gas and my cards were being denied. The lady informed me that my accounts were closed, after a few minutes of arguing and insisting that my accounts were not closed, I realized that it was Chase that closed my accounts. When I asked the customer service representative why Chase would do such a thing since I had never been late on even one payment, she informed me she was unable to tell me. As a Chase Sapphire Reserve card holder and a Chase " Private Client '' ( heck even as a regular client ) that answer seemed highly unsatisfactory. I asked to speak with management or someone who could provide the answer. When I spoke to management they told me they WOULDN'T provide information as to why my accounts were being closed. They also informed me that it was not only my credit cards but my personal, savings, and business checking accounts were also being closed. This infuriated me as there seemed to be no reason for the closures, and if there was an explanation it was not going to be given to me. 

Again to be clear I have never bounced a check, been late on a payment, or had my account over draft ... not once. 

After many phone calls to customer service attempting to get an answer and receiving roughly the same information. Some stated that it was only my credit cards that were shut down, others stated it was all my accounts with Chase. It was even more confusing because my debit cards were still working. 

After visiting a branch yesterday to make a deposit I spoke with a manager at the location who confirmed I had until XX/XX/XXXX to withdraw funds and find a new bank or the remainder of the funds would be sent to me via check and the accounts closed by Chase permanently. ( Why was I never given notice when this decision was made weeks before? Why was I not given this information when contacting customer service via the XXXX  number? Why am I not being provided with the reason as to why my accounts are being closed? ) After speaking with my accountant, family and friends as to why this is happening, many asked if I made large cash deposits ( large is a relative term ). I make roughly {$10000.00} a month cash deposits currently to my business checking account from transactions made at my business. $ XXXX+ is made monthly by my credit card processing company " XXXX ''. That means my cash deposits equal roughly 5 % of my businesses volume. 

Two large deposits were made over the past 5 years, {$60000.00} and {$100000.00} both by XXXX XXXX XXXX ... the lending division of the well known multi XXXX dollar credit card processing company.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a police report to transunio with files that were stated as identity theft I even went as far as to name the suspected perpetrators file # XXXX, and according to the fcra section 605 b when I submitted the police report XXXX credit bureau shall block the file until the investigation is complete and I spoke to XXXX XXXX and a very nasty toned XXXX XXXX from trans union about the matter and I repeatedly asked why they would not block the files while the investigation was on going and that it is my right according to the fcra unless they are attempting to site section c wich would be insinuating that I was attempting to defraud a vendor wich I really hope that they were not attempting to do XXXX took and signed a sworn statement against those accounts punishable by imprisonment for lying and on top of that what man makes up that a perpetrator is his own mother or sister, and on top of that upon the issuance of the police report with the fraudulant a counts that should put the burden of proof on the lender/creditor but they are allowing the creditor to simy say the account is valid XXXX swore a statement punishable by jail willing to send my mother to jail, transunions stand is absolutely ridiculous in allowing such a simple responce for proof of course the creditors have my info the accounts were in my name the perpetrators had my exact information for XXXX sakes they lived in my house, so the creditor saying they have my information is not enough I swore a statethat i am not the party but transunion has repetitively allowed the companies to update FRAUDULANT files time and time again no matter how much I fuss, and with the help of supervisors like XXXX XXXX they are at will suppressing consumer rights with zero consiquence .I can see that the handling of consumers rights and reports have not changed much since the incident in 2017 it makes me wonder if the switched from baiting consumers with links to working with lenders for paying just read one of the papers they give there supervisors when they start named " protect the revenue '' my rights have been severely violated with this and shown no respect as to what has gone on with my credit instead been talked to and treated like a suspect the whole way threw. Please direct dir or maam force them yo respect my rights and those of other victims and hold them accountable for what they have done and the damage that they have let happen to my credit file by suppressing my fcra rights by refusing to block while investigating, and allowing such a shallow burden of proof from the ftaudulant accounts when there is so much as stake XXXX XXXX not XXXX about my families and I well being in this world, but if it were her I was typing about I would argue just as Hard please force them to remove theses fraudulant accounts from my account and repair the damage done to my report by their blatant disregaud, and neglect for my credit health and well being
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I went to XXXX in XX/XX/XXXX-XX/XX/XXXXand I feel like I was pressured to take out loans I did not want to. Also, the school never helped me with finding a job as they advised me that they would.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (OH)

Re : Cease and Desist Communication Request under 15 USC 1692c ( c ) Dear Halsted Financial Services, I am writing to formally request that all communication from your agency regarding the debt associated with reference number XXXX cease immediately. Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), I am exercising my right to request a halt in communication until I have received validation of the debt in question.

please provide me showing that I gave written consent in blue ink in my hand to the be contacted by this company.

I recently received communication from your agency dated XX/XX/2024 regarding an alleged debt. Before any further communication takes place, I assert my right to request validation of this debt as per the provisions of the Fair Debt Collection Practices Act.

I am hereby requesting that you provide the necessary documentation and evidence validating the debt. Until such time that the debt has been validated per my request, I insist that all communication efforts, including but not limited to calls and letters, cease immediately.

Please acknowledge receipt of this dispute letter and confirm that all communication attempts will cease until the debt has been validated. Your prompt cooperation in this matter is appreciated.

Thank you for your attention to this request. I expect compliance with the Fair Debt Collection Practices Act and the cessation of communication until the debt validation process is completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

I received a call today XX/XX/2019 from XXXX at XXXX I answered it and I got no response or anything I hung up. I did say hello though. 
I got another call at XXXX from # XXXX XXXX XXXX and a girl answered the phone. she asked for me by my full first and last name. I said didn't you just call me from the 877 # and she said yes. I told her okay you guys call me everyday and never left a message but call and call remove me from the phone system. this is an officially cease & desist and to stop calling me so much everyday. she said I could take down the information I said no and hung up
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written on multiple occasions over the past 4 months documentation reflecting this debt is mine and not another party. The name and address on file associated with this debt do not match mine. I have requested signed contracts and the company has refused to provide them. I have requested Transunion to provide any and all documentation regarding this and I have received nothing.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WA)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2019-10-08
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. (PA)

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you
Consumer complaint received 2022-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (IL)

Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.