davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (AL)

XXXX XXXX XXXX is reporting an account in the amount of XXXX on my credit reports that has inaccurate information as far as amounts and dates that have been reaged. This account was opened by XXXX XXXX XXXX was opened XXXX XXXX of XX/XX/XXXX and charged off XX/XX/XXXX. I voluntarily surrendered the vehicle and dont understand all the charges they are attempting to collect along with the re-aging of debt showing a new/ opened account by XXXX XXXX XXXX , opened XX/XX/XXXX. This was charged off XX/XX/XXXX. not XX/XX/XXXXand they could not give me a detailed bill of charges either after I requested.This has really damaged my credit. These are unlawful charges they are attempting to collect.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have worked for the county and or state for the past 10 years in front line positions in which I qualify for the loan forgiveness program. Every time I called Navient for assistance as I could not afford to pay my student loan, they would direct me to do a forbearance or deferment which I did ; however, I was never informed or given the option of the income based repayment plan nor told that this plams as opposed to a deferment or forbearance would count toward the loan forgiveness plan. I reached the 10 year mark for having my loans forgiven and was informed that due to not being on the right plan, I had another 8 years to go! This is unfair as I have worked jobs in which I am due and qualify to have my loan forgiven yet I jave bedn railroaded ans forced to pay longer. It's not fair & it's not my fault that they only gave me the options of deferment or forbearance.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XX/XX/2019 an IC SYSTEMS posted a default cable debt of {$920.00} in another city in TEXAS that I've never lived. Someone has my social and name and is opening CABLE accounts. 

you can check my credit and personal records- I'VE ALWAYS LIVED IN THE SAME HOUSE FOR 17 YEARS
Consumer complaint received 2018-08-26
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. (FL)

I saw this account with XXXX XXXX XXXX XXXX on my Experian credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (NC)

BBVA Compass bank misled us during the housing crisis in 2011 when we sold our home in XXXX, FL. We sold our home at a lower price than it was worth. We were desperate and sold our home for {$170000.00} to the buyers. There was still a balance of approximately 77,000 dollars after the sale. Instead of a short sale, we have been paying on this balance which shows up as a mortgage on my credit report since 2011. After paying on time for 7 years, we still owe them XXXX ( no late payments ), indicating that we have been paying mostly interest and our loan is set up as a mortgage. We never got any official papers regarding this arrangement, and they still had a lien on the property in question that we sold in XXXX, Florida until we called several times to advise them of this. It is still showing up on my credit report as a primary mortgage. The person that set up the transaction has never returned my phone calls over the past several years since this transaction took place. I am a mother of XXXX young children, my husband is unemployed, and we are sinking under this debt financially. I have never missed a single payment, but we are struggling and would like to be forgiven of this loan which was a true misrepresentation. We did not short sale officially, but in essence, that's what is was. Our family is really struggling to make ends meet. We really need your help.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Debit card number was used fraudulently for a transaction of {$650.00} on XX/XX/2017 at XXXX, XXXX, NJ. The Debit card was in my possession during the incident. 

We realized funds were missing 6 months after the incident. 

Lodged a complaint with Bank of America ( BOA ) Fraud investigation team. First BOA promptly refunded the amount and started investigation. 2 months later, BOA deducted the credited amount claiming PIN was used in debit card transaction and hence, must have been done by cardholder or family member. There was no contact made with XXXX and no proof sent to us. 

We challenged the findings, even citing to verify XXXX CCTV and faxed all details from nearby BOA branch. Followed up with fraud investigation team, who confirmed they had all the details and can expect in our favor. However, after another 2 months of investigation, BOA came back with same " PIN was used '' reason and closed the case again without any refund. 

XXXX store, where fraud happened, didn't give the receipt as they said they have policy not to maintain records older than 3 months. However, online XXXX customer service retrieved the transaction bill. There were 2 money orders drawn - one for {$150.00} and other for {$500.00}. XXXX XXXX confirmed that both money orders were cashed out and can't be replaced.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

Repeated harassing calls from XXXX XXXX XXXX ( XXXX  ) XXXX claiming that I am being served with lawsuit documents unless I pay {$3500.00}. Refuses to provide any information about who I would be paying.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (FL)

Eight weeks ago I returned my XXXX BMW 328i car to BMW financial services for the end of lease. I had to pay {$8600.00} in excess mileage charges since the mileage on the lease was over 40,000 over the maximum allowed miles. ( BMW lease # XXXX ). 

I also own a XXXX BMW X3 which I purchased new, and used to drive to work every day. I average over 30,000 miles per year. 

I did not drive the XXXX BMW since last XXXX due to the fact that there were three unresolved recalls on this X3 which I thought would make it dangerous to drive 120 highway miles every day to work with another passenger in the car. Additionally, this model car had unreliable transfer gear box parts which made it even more dangerous to drive.As a result, I drove over 30,000 extra miles on the XXXX BMW 328i during XXXX and incurred over {$8000.00} fees in excess mileage. 

I request that BMW refund me the {$8600.00} in excess mileage fees that I paid to BMW Financial services due to the amount of time it took BMW to resolve these recall issues, making it dangerous to drive the X3.
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (CA)

CFPB Experian responded to the dispute on there web page as up dated but there was no date showing an investigation. Experian has been sent 3 times the document from XXXX XXXX to remove this account from trade line and they refuse I request that an investigation in to the dispute by you it seems they refuse to delete this account enclosed is there up date and you will see what im talking about. both XXXX stated they do not own account therefore can not report on it, XXXX XXXX states remove account. experian please explain your action to CFPB and remove account
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF THE WEST (GA)

On XX/XX/XXXX, my son asked me to co-sign for an RV.  I agreed to co-sign and completed an on-line application going to XX/XX/XXXX.  XX/XX/XXXX Finance Manager was going to review my online credit application and work to get my son and I approved.I submitted my online application to reflect that I am working as an XX/XX/XXXX making only $XXXX per month, $XXXX per year.  I was unsure how I would aid in financing as a co-signer with limited income, but did it anyway to support my son.I learned from my son that we were approved.  I was quite surprised, but thankful to support him.  On XX/XX/XXXX, I traveled to XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, FL.  I learned late in the day that the co-sign was not possible that I would be the sole borrower.  I went into total shock as I was told by my son that it was a co-sign.  The RV Finance Manager had never spoken to me, texted me, arranged a conference call or emailed me to inform of this change.  I only make $XXXX a year and could not understand how I was approved for a loan that is over $XXXX per month.  I was in a mental state of XXXX and shock and did not make logical sense.  The finance manager did not go over the paper work, but had me sign in my distress.  When I returned home to XXXX, GA, I received a copy of the contract to learn that my loan had been approved with false income.  The online application that I submitted was confirmed by the VP of XXXX XXXX XXXX, XXXX XXXX and proof of my submission sent to me via email.  I have it attached to the complaint.  XXXX stated he would work with the bank to reverse the loan and we would work to return the RV, obtain back the $XXXX downpayment and he was holding my son's trade in XXXX XXXX   van with the wholesaler he had sold it to.  After XXXX  worked with Bank of the West to attempt to undo the loan , they stated that they would not reverse.  I continued to work with XXXX  with no resolution.I am a victim of a form of identity fraud, lending fraud and now have a XXXX debt that should have never been approved by the bank.  I was intentionally blindsided by the XXXX XXXX XXXX  They never briefed me on anything and only worked with my son and his ex-wife.  The bank should have audited my online application and confirmed the income to be valid.  Someone changed my gross income of $XXXX per month to be $XXXX net income per month.  I am unsure who was responsible for this, but XXXX XXXX XXXX did confirm that they terminated the Finance Manager for the wrong doings in this sales transaction.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i've requested that Transunion remove an item on my credit report that does not belong to me. It has been posted from a collection agency. I requested they validate this debt as mine. They sent me a credit report showing it has been verified as accurate. But has provided no validation of this acct belonging to me.
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: ALLY FINANCIAL INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-10-30
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

My third request in attempt to obtain verification from the credit card co. about a consumer debt I'am disputing.. Certified letters were forwarded. As of to date, more than 30 days later, I have not received any correspondences from the credit card company..
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: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is  PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NJ)

On XX/XX/2018 I pulled a hard copy of my credit report and noticed a negative collection account. That was my first time every seeing anything from that company. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. 

Its been over 30 days and I have yet to receive any response.
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: Experian Information Solutions Inc. (NY)

A few days ago Experian sent me documents stating there was a freeze on the account and than a few days later XXXX changed the name to the right name and than changed it back to the XXXXXXXX XXXX name. Ofcourse this is what happens in the great XXXX scandal. Lawsuits are being arranged since this is a distraction. but I have several remedies to end this.
Consumer complaint received 2018-12-22
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)

Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASH AMERICA INTERNATIONAL, INC. (MA)

My husband applied for a loan back in XXXX online and was paid off this past XX/XX/2018. Today I received an email with a new loan offer, We called the number to check it out, the man who answer name is XXXX, I couldn't understand due to his XXXX accent, said he need our acct information to verify it was my husband. He made us confirm my husband information which he emailed us the " loan approval '' form per my request. I asked to speak to a manager who's name was also XXXX advised he was going to deposit XXXX in which at XXXX we needed to go to XXXX and do a money transfer and then by XXXX the would be XXXX in his acct. When unasked him where he received my husband information he said XXXX XXXX. It made no sense to us so we called the bank and changed all passwords. ( They claim to do a digital deposit ) His name is XXXX XXXX and phone is XXXX.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY