davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited
Consumer complaint received 2020-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have my student loans with Navient and every-time I turned in a loan forgiveness form signed by my school administrator because I work in a XXXX XXXX  XXXX  it was rejected, I should have had my loans paid off by now because i have been XXXX over twenty five years but instead Im still paying on a high debt loan because they would never accept my forgiveness so i will be retiring in a couple of years and still having to pay Navient thats is just unfair.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (FL)

CREDIT CONTROL , LLC PLEASE STOP all communication tactics with me. I remember you from previous letters and I asked that STOP AND CEASE all collection methods. I DONT OWE anything to XXXX XXXX, never opened a credit card with that credit company. Please STOP HARRASING ME. THANKS
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (PA)

I am XXXX XXXX submitting this complaint against Receivable Management and there is no third party involved. Receivable Management did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I receive a loan for XXXX dollars and deposited into my business bank account ending in XXXX from JP Morgan Chase Bank. 
in the morning of XX/XX/2023 I went personally to the location of XXXX XXXX XXXXXXXX XXXX ( chase bank ) asking for XXXX in cash because I'm in the process of acquiring a restaurant and also buying used cars at the in auctions which only accept cash. 
they happily helped me but due low cash in branch only provided me with XXXX dollars and advised me to visit a SECOND Branch to withdraw the rest. 
As advised I directed myself to the second location ( XXXX XXXX XXXX, XXXX, NY XXXX ) CHASE BRANCH and I was attended by XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( not sure about the last name ) I explained her what I needed at the moment with all documents in hand but she denied to provide me service and the funds even when having me in front of her with my ID CARD, SOCIAL SECURITY AND MULTIPLE CHASE CARDS PERSONAL AND BUSINESS. 
SHE TOOK MY documents PLACED A restrictions in all multiple accounts which got into effect 3 hours later, leaving me without money or resources to exist. 
HER WORDS WERE I CAN HELP YOU BUT NOT TODAY ILL CALL YOU LATER TODAY TO HAVE IT READY. 

She denied me the service because how I was DRESSED, my SkiN COLOR AND MY NATIONALITY AS XXXX. 
I FELT TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED. 
WHY do I say that I felt and still feel TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED Because when I left that branch previously mentioned ( without knowing what she did with my documents ) I drove to the next location looking to complete the funds in order to start with the business which was the XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. ( CHASE BRANCH ) once I arrived to the 3rd location they were more than happy to help me and provide me with the funds requested XXXX dollars. 

why do I write this letter because no one should be discriminated, mistreated, violated or offended for their skin color, race, education level or nationality. 

If the 1st branch was able to help me providing my funds and also the 3d one But the 2nd Branch decided to hold the funds deni the service and on top of that lock my account with no previous notice, without giving me the Opportunity to get money for gas, food or any other personal need. 
since all branches has the same bylaws and follows the same rules because they are the same company and one person because of how I looked at that moment refuses to provide service or help with my request instead blocked my accounts violated my rights ITS BECAUSE ( SHE SAW WITH PERSONAL PERSPECTIVE ) NOT AS A CLIENT SHE DISCRIMINATED ME. 
once I head back to the lawyer office, it was there when I noticed all my accounts were blocked leaving me in shock and without funds. 
not a single notice before. 
NOT ALL XXXX ARE DRUG DEALERS IM NOT ONE thank you NOT my first language but hopefully you will undertand.
Consumer complaint received 2019-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We Got approved for a loan modification with XXXX XXXX services on XX/XX/XXXX We made our trial payments Starting XX/XX/XXXX till XX/XX/XXXX And XX/XX/XXXX XXXX XXXX XXXX Never sent the permanent contract on how much our mortgage would be on XX/XX/XXXX XXXX XXXX XXXX sold our loan to Rushmore. So we ask Rushmore if they could honor what XXXX Gave us and they said NO we will have to fill out for a new loan modification and we did and have been denied twice please help us we do not want to lose our home but they are not trying to work with us at all
Consumer complaint received 2021-07-15
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: Global Lending Services LLC (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2019-01-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I was told by my college XXXX XXXX XXXX   that I did not have any government money left to use to pay my tuition and fees and therefore I would need to take out private loans in order to pay. The financial aid department at XXXX certified my loans for amounts exceeding the cost of tuition and then kept the extra money. I later found out after leaving this school that I did have federal funds available to pay for tuition. As a result I now have several large private student loans with Sallie Mae. Now Navient the collections branch of Sallie Mae is constantly harassing me and my co-signer for extremely high monthly payments that I am not able to make because they exceed my monthly income and my co-signer can not make because they are XXXX ill and currently in the hospital. I have spoke with different agents in the past, most recently in XX/XX/2018 regarding options to lower my payment amounts to feasible amounts. I have offered to provide my pay stubs, monthly bills, and statements from credit card companies to show how these large payments would create undue hardship for me. They have never requested any document from me to prove my undue hardship. The agent I spoke with only asked me questions about certain expenses over the phone. Navient only offers me a forbearance option of paying {$150.00} which doesn't lower my monthly payments it only makes the account current and thus makes no difference. The last time I spoke to an agent regarding lowering my monthly payment amounts I suggested an amount that was reasonable for me. I was told it wasn't going to happen and was mocked for not being able to make the suggested monthly amount Navient wanted. Currently I only send Navient what ever money I am able to come up with when I can. I have told them repeatedly that I can not make these large payments and that I can only pay what I can afford, but the call repeatedly everyday.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (MD)

On or about XX/XX/2016 I made a purchase through whynotleaseit at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency XXXX XXXX XXXX for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Albert Corporation (TX)

On XX/XX/2022 I made a purchase at XXXX. The purchases were. 
XX/XX/2022. XXXX. {$8.00} XXXX XX/XX/2022. XXXX. {$110.00} When I write home and my card was unable to be used I went online and found the additional XXXX charges on my account, that were not made by me. I did not make these charges they are fraudulent. I have tried every way I know to make the bank understand that they are fraudulent, and I know this because I did not make them. And the card was always in my position. I have no idea how it happened, I can not explain it. But I categorically deny making these charges, and as a matter of fact, can state that they are indeed fraudulent. They were as follows : XX/XX/2022. XXXX. {$100.00} XX/XX/2022. XXXX. {$100.00} I have tried every way I know to make the bank, ALBERT BANK, operating under a license of XXXXXXXX XXXX  OHIO, understand this. In the many many many emails back and forth, Albert Bank reported to me that in their opinion they were not fraudulent, they were not going to refund me my {$200.00}, and that they're findings were binding. After contacting XXXX XXXX, XXXX said that they were wrong, Albert Bank is in violation of XXXX XXXX XXXX agreement, and I should contact MasterCards fraud department. I did as well as the Consumer Financial Protection Bureau, the banking Regulators in Ohio, and others. This is outrageous, it is wrong, and Albert Bank should be treated as a rogue company
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

per consumer report number XXXX the negative reporting items and all inquires were meant to be removed by Equifax confirmation numbers XXXX and XXXX. 
these items are still being falsely reported and I demand removal.
Consumer complaint received 2022-08-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was sent a notice from XXXX XXXX XXXX a collection agency. They claimed that Capital One Bank ( XXXX ) XXXX XXXX had turned over my debt to them in the amount of XXXX. The credit card was opened XX/XX/XXXX and was delivered to a XXXX XXXX XXXX XXXX, Oregon and all purchases that were made were in XXXX. XXXX is about 2.5 hours away from where I live. The account was opened with my name and social security number but a different phone number and email address. The card was closed by Capital One in XX/XX/XXXX after 4 statements were sent and no payments were made on the account. The collection agency is doing an inquiry into the debt said they would notify me by mail in 7-10 business days. The credit bureau is not showing I owe any money to either of these companies but does show inquiries from both XXXX and Capital One and shows no current collections in my name.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/19 called my workplace 3 times, threatened to come to my workplace and impersonated being law enforcement.

XX/XX/19 XXXX of my daughters were contacted and company threatened to come to their workplace. When my daughter contacted and requested the debt be validated they refused. When a mailing address was requested none was given.

XX/XX/19 contacted by another harasser threatening to send law enforcement to my workplace. refused to quit contacting me.

XX/XX/2019 My daughter 's employer was contacted and harasser left a voicemail with personal information. The harassers stated my daughter was my next of kin, which she is not, stated my daughter and I are not taking their phone calls, which is true because the debt is not validated. They threatened to have a process server come to her place of employment even though she lives in a different area and they have my home address. 

We have requested several times they stop calling. They appear to be scammers who practice illegal means in attempt to extort money from the elderly.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

My old pay off Student loans All pay off XXXX XXXX loans And XXXX XXXX   Experience Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (TX)

On XXXX, did a Money Transfer in the Amount of {$100.00} via XOOM to a Friend in XXXX for Pick-Up in Person at the Bank Teller Window. ( XXXX Transaction XXXX ) Due to Covid Pandemic, Friend never picked- up the Money because of Covid infection fears Thus, on XXXX, Xoom canceled the Transaction and notifed me via email ( attached ) that the Transaction was null & void and that no Money was debited. 

However, a Debit of - {$100.00} was processed by XXXX on XXXX, as shown on XXXX XXXX  Statement ( attached ) Item # XXXX. 

XX/XX/17 DEBIT FOR XXXX.COM XXXX XXXX CO XXXX {$100.00} XXXX Xoom has twice stated ( see two emails attached ) that no Refund was due because the Amount was not Debited. This is incorrect as shown in attached XXXX Statement. 

I filed a Dispute in Person with the help of the XXXX XXXX XXXX  Officers. After several weeks of " investigation '', all the XXXX XXXX Bank stated was that the Transaction was Authorized and thus no Credit was due. 

This is Theft. Either Xoom or XXXX XXXX Bank is holding the {$100.00} Dollars and refuses to return the Money. 

Please force whomever is holding my money to return it promptly as I desperately need it.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT WESTERN BANCORP, INC. (ID)

Great Western Bank keeps reporting a past account from XX/XX/2005as accurate which it isnt. I filed a chapter XXXX bankruptcy on XX/XX/2005 and it was discharged on XX/XX/2005. Case number is XXXX which is public records. I want this removed from my XXXX  credit report or I will take legal action.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX XXXX, I paid an Attorney ( Florida Law Attorney ) a settlement payment owed on a debt. I paid the agreed upon settlement direct to the Attorney. it is now XXXX, and Midland Credit has placed a judgement against me for the debt. 
The Attorney at the time, XXXX XXXX XXXX has been since, disbarred by supreme court justice in state of Florida. 

I did not keep any records beyond 7 years as I was advised legally, that is statute, similar to IRS filings. 

Midland funding has a judgement on me for this debt that was originally settled in XXXX. 
they came out of the woodwork in XXXX on this matter. I will not double pay a settled debt. they are scammers.
Consumer complaint received 2019-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to XXXX  XXXX and I received a receipt for my payment.I am now being hounded by Portfolio Recovery Associates, LLC for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I lost my wallet and my information was also released in multiple breaches. I also was a victim of the Equifax Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So Equifax is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against Equifax. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX and XXXX. With XXXX acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Following an XXXX notice of 1.9 % APY savings account from CIT Bank, on XXXX XX/XX/2022, i attempted online to open an account. At that time, i authorized my checking account transfer of {$100.00} to CIT. I understood that i would receive " micro-deposits '' to verify the account on or before XXXX XX/XX/2022. Daily, I tried to check to see if the account opened, '' micro-deposits '' occurred. There was no activity from CIT Bank. I could not access my account online! The transfer did not happen. Each day, I called customer service to see when the account would open. They told me by Wednesday. On Thursday, XXXX XX/XX/2022 - after countless hours on the telephone waiting for customer service, i called to cancel the account. The representative told me she did cancel the account and hung up before confirming my requested transaction number. 

The entire experience was disgusting.
Consumer complaint received 2020-06-06
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. (CA)

i disputed a debt with XXXX XXXX with XXXX it was deleted only to be rereported again on all 3 bureau from a different collection agency.