davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

My first interaction with my loan servicer was a phone call in regards to a drop in my credit score due to a missed payment ( which was my very first payment ). I was in school less than half time as I was unaware my repayment period had begun. I had no knowledge of the repayment period and was not contacted by Navient. My phone number has been the same for 12 years but I did not receive a phone call in regards to repayment. They did not have my current mailing address on file, which I had explained to the representative on the phone I had moved recently. I was told nothing could be done. Another issue I have experienced is the understanding of repayment. My loan servicer placed me on a repayment that was extremely high. I explained that the payments were too high for me to afford, as I now incur a very high-interest rate because of this discrepancy on my credit. 

I sent in a letter requesting this discrepancy be removed since I had no knowledge of repayment ( sent on XX/XX/XXXX ). My contact information had not been updated, phone number nor address. I had not received any contact back in the 30 days that they have received the letter nor their decision in the matter. 

I was told by the first representative that my loans would be in forbearance until XXXX so I could submit the application for income-driven repayment. I uploaded proof of income as well as Income-driven repayment application ( I completed on XX/XX/XXXX ). I called back a second time on XX/XX/XXXX to affirm my documents have been received. I then again was assured that my repayment period was in XXXX. I received email " snapshots of my monthly statement '' stating that my repayment was XX/XX/XXXX. On XX/XX/XXXX I see my credit has dropped XXXX points due to a remark " Payment deferment '' being removed from my credit report. I called Navient ( on XX/XX/XXXX ) to find out why forbearance has been removed from my account when I was told by two representatives XXXX would be repayment period would begin. The representative hung up after I claimed I was misinformed twice by two different representatives. I called back and was told that there was no evidence as to my repayment beginning in XXXX. I was told that the repayment period was actually in XXXX and that is all they could provide. I was never told/emailed any due date regarding XXXX. I proceeded to ask for the call recordings as I feel my loan servicer is being deceitful and unclear regarding due dates. 

I feel that I am being misled, misinformed, and taken advantage of by my loan servicer. I now incur very high-interest rates due to the missed payments from Navient. I wish to have clarity and transparency into the repayment period. 

I will attach the emails received from Navient stating my repayment due date was in XXXX. I will also attach evidence from my Navient account stating my due date is XX/XX/XXXX.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX and XXXX, 2022, a series of unauthorized transactions were processed against my Bank of America checking account from XXXX and XXXX. The unauthorized charges totaled approximately {$1700.00}, which Bank of America will not reimburse even after I provided all available information and disputed the charges before they were even processed. There were additional disputed, unauthorized charges from other companies but those companies are reimbursing me. However, Bank of America has been unresponsive to my claims disputing the charges. 

On XX/XX/XXXX, I went to Bank of America, spoke with a representative, and opened a claim requesting that Bank of America not process the " processing '' transactions. They did anyway. Over the ensuing days, I provided as much information as possible, including my work schedule, a note from my boss, and my clock-in slips to prove that I was working when the unauthorized transactions took place. Bank of America has been unresponsive and has provided no update on my claim for weeks. 

Bank of America never advised that I file a police report, but I did anyway approximately ten days after the incident. I provided Bank of America with the police report. Still, I have heard nothing about the status of my claim from Bank of America which is apparently " investigating. '' I am a working mother of two. I have been a customer at Bank of America for more than 30 years. {$1700.00} is a lot of money, and I'd appreciate any assistance the CFPB can provide in helping to resolve this matter. I'm not sure what else to do and feel that I have exhausted all available options, especially given Bank of America 's unresponsiveness. Thank you.
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (CA)

In the month of XX/XX/XXXX, I became aware that my information was stolen and used to open up multiple fraudulent accounts in my name. I submitted the required documents to place an extended fraud alert on my credit and it appeared on XX/XX/XXXX. I pay a monthly credit monitoring fee of {$24.00} to maintain a credit lock on my credit reports to prevent further fraudulent activity. Next, on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to Equifax regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$17.00} in mailing services to get this letter to Equifax. I received notification they received the certified packet on XX/XX/XXXX. I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that EQUIFAX had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to Equifax on XX/XX/XXXX tracking number XXXX paying {$15.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on Equifax 's end or on my credit reports. Next, I submitted to XXXX  on XX/XX/XXXX I sent a signed letter, Affidavit and Fair Credit Reporting Act section 611 printout to XXXX regarding the fraudulent accounts on my credit and that was the second letter I had sent to them. At this time I paid {$19.00} in mailing services to get this letter to XXXX. I received notification they received the certified packet on XX/XX/XXXX, I waited the thirty days as specified in the Fair Credit Reporting Act and by XX/XX/XXXX, I refreshed my credit reports and noticed that XXXX  had not responded nor deleted the fraudulent accounts I submitted in XX/XX/XXXX to be investigated and blocked from my credit. I submitted a third set of letters to XXXX on XX/XX/XXXX tracking number XXXX paying {$16.00} for this certified packet to be sent to them again. I received confirmation on XX/XX/XXXX they had gotten it and it is now XX/XX/XXXX and I have paid again {$24.00} to refresh my credit reports and no changes have been made on XXXX 's end or on my credit reports.
Consumer complaint received 2022-04-03
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. (FL)

I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.
Consumer complaint received 2022-04-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : 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 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 an account without my written instructions
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan with chase bank and was denied an extension of my crredit when I already provided my ssn which was ran and used but no loan was given to me for the use of my trust. I received no benefits for the use of my information and was denied an extension of my credit to purchase an vehicle. Im askin that I be given the full {$10000.00} that I requested as my extension/ loan thank you.
Consumer complaint received 2021-02-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Recovery Group (VA)

A company called alliance recovery called stating i owed XXXX dollars for a loan in 2013 and they were takingme to court for XXXX dollars. The company said the name of the company I owed was XXXX XXXX.. I have never heard if this company nore have I ever took a loan from this company. I asked the gentleman his name he would not give me it I asked what was the address and phone number to the so called company that I owed this money to. He could not give me any of this information. I continued to ask what the address to his company was and he would not give me that information as well. When I told him I have paid off all debts and had receipts if the company I took a loan out for he started calling me a XXXX and a XXXX  and said he was going to keep calling my phone until the company closes for the day.. he then turned around and called my phone 7 times after the call. I called back and spoke with a so called supervisor and he said he can't help me with any of the information I was asking the other gentlemen for and I can go to the court on my court date on Thursday.. keep in mind I haven't been subpoena to go to any kind of court date.. im pretty sure this call is a scam. And would like to report this so some one who doesn't keep track of their finances falls for this trap and ends up losing money that is truly not owed to someone The phone number and name for this company calling me was called alliance recovery and phone number is XXXX
Consumer complaint received 2018-06-17
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. (SC)

I received my XXXX credit report File Number XXXX dated XX/XX/2018 and noticed it still contained the wrong personal information that they constantly supposedly erase every month. I call them every month to have them remove incorrect addresses and then the next month the addresses are back on my credit report. I asked a representative why did this keep happening he said that he didn't know and that there wasn't anything that he could do. Reporting al of these incorrect addresses is a nuisance. I don't understand why they can not just block these incorrect addresses from appearing on my credit report. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, SC XXXX. Please remove and block this information from my credit file as this is not my personal information. also there is one number that is reporting listed as mine and it is not. XXXX.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.
Consumer complaint received 2019-04-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (SC)

XXXX this debt collector continues to call my place of employment after I told them ONLY contact me through writing after asking them to verify an validate this debt due to me not having any contact with in writing they first called my cellphone multiple times after I blocked them they somehow obtained my job number an have called it at least 3 occasions while I was there after I repeatedly told them not to as we are not allowed person calls An they continued to do leaving messages stating they needed to speak with me regarding a business matter
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello! In XX/XX/2019 I received a promotional offer in the mail directly to me with my name and address on it for a Bank of America checking account. In the offer it stated to go online to www.bofa.com/XXXX  and I could see if I qualified for this account. I went to the website, filled out the necessary information and was asked to fund my account with a credit card. I did all that and I was approved! Great, so far so good. I read the terms on exactly how to " get {$300.00} '' from Bank of America. They stated I needed to set up direct deposit and have a total amount of at least {$4000.00} within a 90 day period. I did all of that with all of my checks being direct deposited into this account. Now here is where things get tricky ; I never received any confirmation from Bank of America saying I would receive the {$300.00}. I never received a check in the mail. I never received any money in my account. It has been a while since I have completed their requirements for the offer. So I called them today on XX/XX/2019 and discussed this with the lady in " promotions ''. She stated she would ask another department and they could not verify my address and a list of reasons why I would not receive this {$300.00}. It seemed odd that BofA would offer a promotion that they would not pay. So I informed her that I would be submitting a complaint with the CFPB about this because it seems like a huge scam and a way for BofA to get more money from people without paying out on their promises. She stated she had submitted a complaint on my behalf and gave me a reference number of XXXX. 

I do not trust her at all, so I am here writing my own complaint. Thanks BofA for your sketchy business practices, this gives me no confidence in your bank.
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (PA)

ATTENTION DISPUTE DEPARTMENT FIRSTPOINT COLLECTIONS Reported : XXXX XXXX XXXX, XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

Convergent Outsourcing, Inc. is a collection agency based out of XXXX, Washington. I have received multiple letters from Convergent whos creditor is XXXX XXXX XXXX XXXX The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XXXX. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used XXXX. I do not have a XXXX account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted Convergent to resolve this matter however, I have not been successful. I respectfully request that an inquiry into Convergent be launched and any collection proceeding against me be stopped immediately.
Consumer complaint received 2016-08-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: BMO Bank, N.A. (MN)

BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.
Consumer complaint received 2023-03-21
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: Bread Financial Holdings, Inc. (WA)

Comenity bank apparently took over servicing for XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts. I was not notified of this and only discovered it when some autopayments I had scheduled to be paid with my XXXX XXXX XXXX credit card were rejected because that account had been closed without my knowledge. When I was able to discover that Comenity had taken over I contacted them and began the process to get the Comenity card. I did receive the Comenity card but haven't activated it ; so nobody has that card number and it can't be used. Before I even received that card I received a bill from Comenity with charges that were invalid and had never been paid to anyone. Those charges were paid with the XXXX XXXX XXXX card previous to Comenity 's involvement and I paid the XXXX XXXX XXXXXXXX bill for those charges- I have proof. I began communicating with Comenity and opened a dispute with them on XX/XX/XXXX which they acknowledged in writing. The letter acknowledging the dispute committed not to add late fees or finance charges or report a delinquency to the credit bureaus during the dispute process. They have actually done all of that. I've made at least 8 phone calls to Comenity and sent several messages through their secure message center to get this resolved. After another phone call on XX/XX/XXXX, I was told that it would be escalated. I finally received a letter from Comenity requesting information on XX/XX/XXXX. I replied with that information via certified mail. They received that on XX/XX/XXXX. The next day their collections department called me. After explaining the problem ( again ), I was transferred to the Customer Care team ( again ) and was told the dispute would be escalated for the 2nd time. The issue is that Comenity added not only the original invalid charges, but also 15 more charges for the same vendors that they didn't pay. I have documented proof that those vendors never received any payment from Comenity. In fact, Comenity has never paid anyone on my behalf. I believe that there was a problem with the " transfer '' from XXXX XXXX  XXXX ; but Comenity has refused to acknowledge that or to remove the erroneous charges.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Zions Debt Holdings (NJ)

A company Zion Debt Holdings has placed a negative report on my credit report for money owed to them. I have never communicated with this company nor done any business with Ziona Debt Holdings. I never received any documentation or proof from the company prior to them impacting my credit score. I dispute any money owed to them. This company has not followed the law regarding credit collection and simply put an arbitrary credit collection on my credit report.
Consumer complaint received 2023-07-26
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX  XXXX XX/XX/XXXX