davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I was contacted by XXXX XXXX offering to complete my application for a loan forgiveness program I recently inquired about with Navient. They asked for my birthdate and social security number, then accessed my file to review payment plans I might qualify for. He offered a down payment of XXXX XXXX monthly for 4 months then a payment reduction of 50 % for 240 payments with a forgiveness of any remaining balance at that time. I spoke with Navient who advised this info. Was not correct.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NJ)

On XX/XX/2019 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Aargon Collection Agency. '' The company received my letter on XX/XX/2019 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

The problem start with me trying to send money to my family in XXXX during the XXXX holidays, at a California Check Cashing store via XXXX XXXX. I attempted 3 transactions that day, 2 was authorized, and 1 was supposed to be canceled ; but never really got canceled. The cashier at the time alleges I pulled my card too quickly out of the machine ; that no money was taken out ; that the transaction would be reversed during closing later that day. My bank was able to verify that the transaction that was supposed to be canceled, was showing up as completed. This causes me some economic hardship as I did not have access to my funds, and was assessed late charges for insufficient funds. The bank initially gave me a provisional credit for the outstanding amount, but later reversed it once they determined the transaction was complete. The approximate {$430.00} taken out of my account was never reversed. Its been almost 3 months of back and forth between the bank and the XXXX XXXX XXXX, and I still havent gotten my money back. I am enlisting your help to try to come up with a resolution to this problem as soon as possible.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I received a letter from XXXX XXXX XXXX stating that I owe XXXX from an apartment complex that I moved out of. I paid the last XXXX rent on XX/XX/XXXX, I already provided a XXXX XXXX notice on XXXX XXXX. My move out date was XX/XX/XXXX. I returned both sets of keys and the office provided a document that stated they received my keys. In XXXX XXXX XXXX, I received a letter from this company. I called the company and they stated that they didnt know why I had a account with them but the lady stated that apartment complex sent me to collections for unpaid utilities. Mind you I paid everything before I left and the company charged me for utilities which was in my name and I transferred it to my new place. Im not responsible for a complex utilities if Im not occupying the property. This company is trying to collect on something that Im not responsible for.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION 's inaccurate reportings of two credit report inquiries ( " XXXX/XXXX  '' & " XXXX XXXX XXXX '' is damaging my credit score potentially impairing my ability to obtain a mortgage loan.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (IN)

Disputed with Equifax several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : XXXX
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am refinancing my mortgage and needed a payoff quote. I clicked the payoff quote link accidentally 3 times. {$25.00} was charged to my balance each time. This is an auto generated document and costs nothing for the company to generate! It should be charged only one time!

I contacted customer service last week and they said they would request a refund but as of today ( 4-5 days later ) it still has not been refunded. The {$75.00} in fees is now coming due and I am worried they will report me late on my mortgage if I don't pay them!
Consumer complaint received 2020-02-10
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. (IL)

Experian continues to report false information on my credit reports. In my initial CFPB Complaint # XXXX I expressed 2 grievances ( 1 ) Experian continues to report invalid medical accounts on my reports despite collection agency 's failure to provide validation. ( 2 ) I also brought to their attention that one of the account numbers were changed without my knowledge. Ultimately, Experian is reporting two invalid accounts. Experian responded in Complaint # XXXX " Upon researching, our records indicate that 1 of the disputed items is currently not displaying on your credit report. We are in the process of contacting the data furnisher ( s ) for the remaining item ( s ) to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. '' Additionally, under Description of Non-Monetary Relief, Experian double downs on its false claim that " 1 of the disputed items does not appear in consumer 's report. '' Both invalid accounts still remain. Experian 's continuous violation of my rights as a consumer is illegal and unacceptable.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an account with American Express and was not given enough time to dispute the derogatory account. Within 2 weeks I was told that my account was going to collections and this affected me negatively for a number of years.

One of the collectors called me and told me that I was going to be able to re open the account and bring my account back to good standing. After taking this offer into consideration, later when I called I was told there was no such deal. I was then asked to pay a portion of the amount and that they would not report to the credit agency as a settlement but it was, which that was not the agreement. 

I then tried to contact the company to find a better resolve and was told there was nothing that could be done on their behalf.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (SC)

MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17,  concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.
Consumer complaint received 2021-06-15
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. (AL)

I have inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Global Trust Management LLC (VA)

I had a call from XXXX, from global trust management. From the start of the call she threatened me and told me that I was intentionally committing fraud and I was purposely not paying. She didnt verify me at all, so I dont even know if this is a legitimate company. Once I challenged her on her threatening behavior she transferred me to her manager so I can explain to him why Im purposely committing fraud. The manager,  XXXX XXXX, was nice at first, but when I asked for him to call back after work hours, he also became aggressive and harassing. I felt very threatened by both of them.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LJ Ross Associates (IL)

LJ ROSS AND ASSOCIATES HAS USED MY PRIVATE INFORMATION TO CREATE A COMMERCIAL ACCOUNT FRAUDULENTLY LISTING MYSELF AS A DEBTOR TO THEIR ORGANIZATION. THEY HAVE INJURED MY CREDIT RATING BY PULLING MY CREDIT FILE IMPERMISSIBLY AND ARE GUILTY OF CONSUMER FRAUD AND IDENTITY THEFT
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

While viewing my credit report i Saw a Debt collector account on my credit file for Portfolio recovery, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I placed a credit report freeze on my accounts with the three credit agencies some years ago. I am trying to refinance my home and need those freezes lifted. I have, of course, forgotten my PIN. XXXX   and XXXX XXXX were able to help with a phone call. I have tried working through Experian 's website to retrieve my PIN, only to be told in a computer-generated response that it does not recognize my social security number/birth date combination. I know I have entered them correctly, as I have entered them repeatedly over a period of days, starting on XXXX XXXX, 2020, and continuing through today, XXXX XXXX, 2020. I have also dialed at least four different consumer report numbers without being able to connect to a representative. I have spent six to eight hours on the phone using various phone trees and trying to find a way in. Today I did manage to get to a representative, who asked for my SSN, my birthdate, address, email address -- all of which I provided correctly. Then he asked for my PIN and I explained that what I have been trying to do is reset/retrieve my PIN. He then said he could ask security questions and, if I answered correctly, he could help me. A moment later, he said his computer system was unable to generate security questions XXXX which he was unable to explain ) and said they could send me a new PIN in 10 to 15 days. I am trying to lock in an interest rate on a refinance, and that rate seems likely to rise over the next two weeks, which means that this will cost me thousands of dollars over the life of my loan. 
As I was searching my computer for my PIN, I came across notes I had taken two years ago, when we purchased our current home. We went through exactly the same problem then as now, and only with Experian. That time, they also had the option of uploading documents to their website, a process that I tried repeatedly and without success. To be honest, I don't even remember how I resolved it at that time. 
Finally, one of the things they insist that I put in the mail to them is a copy of my Social Security card. My understanding is that you should never put your SSN in the mail. And at this point, I have no confidence whatsoever that they will be able to protect my information, or even store it correctly. 
It doesn't take much XXXX to see that this is a common problem with Experian and that it has been going on for years. Someone needs to step in and make this company, which is vital to so many people 's lives, do their jobs with some minimum level of competency.
Consumer complaint received 2020-02-10
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: CITIBANK, N.A. (IL)

XXXX XXXX dba CEO of Citi Bank obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX   and XXXX XXXX dba CEO of XXXX Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (IN)

Equifax refuses to remove fraudulent ch XXXX bankruptcy docket # XXXX date filing XXXX and dismissed XXXX attorney XXXX XXXX XXXX. Documentation has been sent twice and disputes were started in XX/XX/2019. Court papers have been sent and they do not resolve anything. They still list the bankruptcy as being investigated and left on the credit report. 
I will attach the XXXX XXXX letter I received -- stating that my file is suppressed -- which was in XXXX. There is no way they could have verified this public record through any third party. 
The address in the bankruptcy doesn't even match any of my past addresses or records-which would not even comply with the Fair Credit Reporting Act. I will have to contact the Attorney General if this does not get removed I don't know what else to do at this point. Please help
Consumer complaint received 2021-02-17
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: JPMORGAN CHASE & CO. (AE)

On XX/XX/XXXX I opened an account with Chase. After the account was opened, I never received any type of correspondence from the company past notification of card approval. I received a notice from XXXX XXXX that the account was 30 days past due on XX/XX/XXXX. Immediately I called the company, paid the bill in full and clarified with them some details about the account. I told them that I did not receive my card, I was not able to establish an online account and no statements or notifications have been received from Chase in regard to this account. The representative at Chase, ( XXXX from XXXX, Missouri ) notified me that electronic billing was selected at the time the account was opened, however, no bills or statements were sent to me. I asked the representative at to verify where the statements were sent and he could not do that, he could only verify my mailing address and was not able to see what email address they had been sending correspondence to. He stated multiple times that they were not able to verify if account statements had been delivered, and he could not verify what email address they had been sent to. XXXX helped me gain online access on XX/XX/XXXX. I have not received the card in the mail, so I was not able to do that myself. I asked XXXX why I had not received any correspondence from Chase and he stated on the phone that I wouldn't have received notifications from the company as I had just signed up for electronic notifications at the time he opened my online account. After I logged into my account I saw that the information they have on file is not correct and was not the same address that I had given XXXX previously. We have not lived at the address they have on file in over two years, and the mailing address is not XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX either. My husband is XXXX XXXX military, and we are stationed in XXXX, XXXX right now. I pay our bills on the XXXX  and XXXX of every month, and had I had notification or account access this bill would not have been delinquent at all. I have worked very hard to bring our credit scores up and establish a good credit history. I have tried to resolve this issue with Chase as I would surely not let a payment like this fall through the cracks had I been receiving proper account statements from them.
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (IL)

XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of XXXX and XXXX XXXX dba CEO of Experian Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Consumer complaint received 2022-07-23
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: NAVY FEDERAL CREDIT UNION (NV)

On XX/XX/2022 I checked out of the XXXX XXXX XXXX using my Navy Federal XXXX  XXXX  Credit card ending in XXXX with the card name XXXX XXXX. The total charge upon check out was {$11000.00}. This charge posted on XX/XX/2022 to my statement and was paid. Subsequently, on XX/XX/2022 this charge reappeared on my statement with the same transaction date of XX/XX/2022 for the same amount. After noticing this and calling the bank, I was told that it must have been a hotel error and that this charge could NOT be removed while investigating. The hotel only sees one charge. I've only been to XXXX ONCE and I did not make this XX/XX/XXXX charge.