davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AR)

Navient is my loan servicer, I am a student currently attending XXXX University. I started my program in XXXX, my student loans are put in deferment while in school. However, I chose to make payments while attending school. From XXXX XXXX to XXXX, I realized there were some discrepancies when the balance amount on my loans were off. I called Navient on XXXX XXXX to advise of the discrepancy, I spoke with a supervisor and she said she saw what happened. She said for some reason the system applied the a higher interest payment to one of my loans than it was supposed too. 

After that the supervisor transferred me to a different team to correct the error. Loan 1 {$2100.00} Loan 2- {$2100.00}. The team member proceeded to tell me she doesnt know how to fix it because its was an interest error. Agent then advised me she will escalate the issue and call be back in two weeks. 

Its has been passed two weeks so I called navient on XX/XX/XXXX and they agent in XXXX was overseas and didnt speak XXXX very well and advised I should have gotten an email with the findings. However, I never received an email. The agent told me that the findings said all payments had been applied correctly, but it wasnt the payment history. It was with the interest payment were the issue lies. 

Since my loan has been sold to navient I have had nothing but issues with my payments getting misapplied and I have to call to every month to fix issues. I am tired of these issues and no one returns calls.
Consumer complaint received 2020-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to dispute my credit report, there was many discrepencies post on XXXX XXXX site bothe with transunion and XXXX. I disputed some items on transunion side of credit karma then went to post disputes on XXXX  site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX XXXX  pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using credit karma site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX XXXX TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

They were contacted on XX/XX/2021 about an account appearing on my credit bureau. A collection account for an apartment in a state I have never resided in, or co signed for anyone in that state. I informed them I had been a victim of ID theft and that my personal information had been used. I informed them that a FTC report was submitted. A police report was submitted. There are fraud alerts on all XXXX major credit bureaus, in addition to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. My iformation is as locked down as I can get it. They sent me a fraud packet I completed this and sent it back. That was XXXX weeks ago. Today I called and was greeted by " we have been trying to resolved your bad debt you owe for 2 years now ''. I explained it wasn't mine again etc. To which I was told " as far as we are concerned we purchased good debt that you will pay back ''. I said I don't owe this. You have everything you asked for to resolve this so can I find out when this might have a resolution? NO. NO?! I said you are ruining my credit. I have never had a collection in my life, I am not late with my creditors and I cant purchase home until it is resolved. Not our problem, pay this and we go away... WOW. Not how a legit business should be operating. I am attaching everything that proves I have done what was asked. Now they need to process this and remove this from my XXXX XXXX file immediately
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On or around XX/XX/XXXX, I sent via certified mail a letter and police report stating I had become a victim of identity theft. Pursuant to section 605B of the Fair Credit Reporting Act I requested these items be BLOCKED. My request was ignored and the following items remain on my credit report. I received an updated credit report stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

I sent a subsequent letter on via certified mail ( XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/XXXX stating the same and once again, my requests were ignored. 

Attached is a copy of the following : - Sent identity theft reports The following fradulent accounts STIL REMAIN on my credit reports furnished by XXXX, XXXX and Equifax. 

XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, XXXX Opened : XX/XX/XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXXXXXX 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 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 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 2022-01-18
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Late closed 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
Consumer complaint received 2022-01-18
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)

Pursuant to 15 USC 1681, Experian have violated the laws of the FCRA ( Fair Credit Reporting Act ) They is in violation of 15 USC 1681 a.d.2.b, because they are reporting authorizations and approvals of specific extensions of credit directly and indirectly of me the issuer of my credit cards. 

Pursuant to 15 usc 1681a.1, The banking system is dependent upon my consumer report being fair and accurate and Experian is allowing inaccuracies to be furnished on my consumer report and it have caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow experian to furnish a report on my behalf as a result. 

Pursuant to 15 usc 1681a.2 The FCRA has developed an elaborate mechanism for investigating and evaluating my credits general reputation as a consumer. 

Pursuant to 15 usc 1681a.3, Experian have assumed a vitral role that was not given to them on my behalf, because of they assumption my life have been negatively affected, this has caused me XXXX XXXX XXXX XXXX, XXXX and XXXX, I have been unable to get certain jobs and unable to get a place to live in my name because of their assumptions. 

Pursuant to 15 usc 1681a.4, Experian have failed to exercise their responsibilities of fairness or impartiality, they also practice disrespect to my rights to privacy as a consumer, Additionally, Experian was not apart of any transactions that is alleged on my consumer report and pursuant to 15 usc 1681b Experian are not adopting reasonable procedures. 

Experian have violated 15 usc 1681a.d.2.a.i, by reporting information solely as to transactions and experiences allegedly between me and any person. 

Additionally, Experian have been unfair in reporting the wrong and incorrect information without consulting with me the consumer, they have no proof any transactions took place. 

Experian have also been unfair because they allow alleged transactions to be reported while only hearing one side of the story. 

Additionally, Experian infringed upon my rights to privacy by having a conversation regarding me the consumer with a third party without my consent, and now reporting it to continue ruining my reputation. 

I never gave Experian consent to create a consumer report and generate a XXXX XXXX on my name and social security number.
Consumer complaint received 2022-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Purchased a XXXX XXXX XXXX in XXXX for XXXX (? ) XXXX $ down tax fees XXXX XXXX Orig agreement was with the dealership & somehow was transferred to Credit Acceptance & charged over 23 % interest w/a co-signer. Org. loan of XXXX $ XXXX $ or more @ XXXX $ mo.for XXXX. They repossessed the vehicle without any prior knowledge or attempts to reach me in XXXX of XXXXPandemic, in spite of multiple calls letting them know that we were experiencing financial issues. Previous payments had been made unlike they have falsely reported Since XXXX they have either not reported or incorrectly reported payments made on the loan to the XXXX credit bureaus. At one point there had been two account # s. connected to my account on their portal. After paying on this loan for XXXX & XXXX mos. they are reporting that $ XXXX is still owed & $ XXXX Is past due. Every mo they charge a late fee no matter when its paid, and even after payments of XXXX $ over XXXX $ that is required. I have tried to contact the dealership where it was purchased but they have never returned my calls. In desperate need of clarification on the limitations of interest charges, payments and the right to repossess a vehicle after incorrect /invalid information has been reported. The vehicle was sold with a major airbag recall that has since cost me over XXXX $ out of pocket expenses that I was given XXXX $ in reimbursement. Currently there is another recall for the same issue that is just as dangerous and the issue is not being resolved in a timely manner either. Stuck making outlandish payments for a vehicle that is XXXX old!!!
Consumer complaint received 2022-01-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TAG Intermediate Holding Company, LLC (CA)

I purchased a vehicle on XX/XX/XXXX XXXX XXXX XXXX vechile identification number XXXX from Ganas Auto address XXXX XXXX XXXX XXXX Ca XXXX I payed XXXX I was in desperate need of car due my previous car was at the shop due to vandalism and pcm module computer was not working/ I made a claim with XXXX XXXX and need to report them too On XX/XX/XXXX the check engine light pop on, the heater stop working and the themther light came on every time I drove it longer then 15 minute When purchasing this vechile I called the police after paying my second payment on XX/XX/XXXX of XXXX. XXXX dollars Now today is XX/XX/XXXX I payed two payment of XXXX dollars on XX/XX/XXXX and XX/XX/XXXX I called several times about this car and how I want to a different car and they got over. Every week I complain to them spoke to the corporate and more and it just seem like a scam and more Can you help cause now I have loaner car but the payment time isnt right They want to now pay for collateral XXXX insurance when I have insurance full coverage on another vechile thats at the shop due vandalism and more This company is taking my money Cybercrime due my phone be hook up to car or usb cord charger connected to my phone and phone been having problems since I hook it up. 
The guy who gave me the loaner car even said this aint right Every time I call the XXXX or XXXX administration they give me run away and money they also advise me I have warrant coverage up to 11 months or depending on mileage I contact the company the insurance advised me to go XXXX XXXX on XXXX they even advise me to go back dealer cause they cant fix it due how many problems and codes the car had P00B7 insufficient coolant flow p0106 map sensor performance P0171 fuel trim system lean p0326 knock sensor performance p0324 knock sensor module performance P0420 catalyst system low efficiency p0496 EVAP system flow during non Purge P1101 intake air flow system Found coolant reservoir extremely low added about two quarter of water, XXXX XXXX for further diagnostic due to multiple codes Store XXXX XXXX XXXX XXXX Ca XXXX I took the car back dealer and the maintenance guy supervisor help me with loaner but the XXXX and company is getting over and just keep working me out my money, having me on bus paying payment and more Making me take time off work to come up there and have me walking around town I need your help this is a corporation scam They couldnt gave me better car They are working me out of money due to me being XXXX woman along with they hack my phone when singing on Bluetooth along with they continue tell me I got warranty but theres no warranty they want me pay for collateral insurance I have full coverage with different company They continue to have come up there every other week and there the ones who commuting these crimes
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2020 ( US- Eastern Standard time ), I tried to withdraw 0.4 BTC ( Bitcoin worth ~ {$4000.00} at the time ) from my account on CoinbasePro to a white-listed address ( digital wallet ) I've withdrawn to for at least 30 times without a problem. CoinbasePro showed a message stating withdrawal not allowed because it was under maintenance. Instead of crediting the 0.4 BTC back to my account, CoinbasePro kept the 0.4 BTC. CoinbasePro showed the transaction in pending status without a  destination address or transaction hash ( where destination and transaction hash are proof a withdrawal is successful and traceable on the blockchain ). I filed a total of 5 tickets over the course of 11 days, providing all the information requested to their Support team. They failed to help and kept closing my tickets, claiming they were resolved. But my issue was never resolved! I am still missing 0.4 BTC ( Bitcoin ). 

I called but they do not have phone support for this and directed me to their website. I emailed the CEO, XXXX XXXX, on XX/XX/XXXX detailing my issue and frustration with the support team referencing Case # XXXX. The next day, that ticket was closed and my 0.4 BTC was still missing. 

As of today, Coinbase still owes me 0.4 BTC! 

Case # s : XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NC)

On XX/XX/XXXX I scheduled an ACH payment of {$700.00} to be applied to my Cashnet USA line of credit account on XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating the payment had been posted. On XX/XX/XXXX I noticed the prior period 's statement was incorrect and the oustanding balance posted on the company 's website was incorrect. Once I became aware of the discrepancy I contacted the customer support line. On XX/XX/XXXX I spoke with a representative who ensured me a supervisor would contact me with 48 hours to discuss the matter. After ending the call on XX/XX/XXXX my online account showed the {$700.00} payment had been unapplied on the XX/XX/XXXX with a reference of " cancelled " then reapplied on XX/XX/XXXX in an attempt to erroneously earn more interest on the account. After not receiving correspondence in the designated time I contacted the customer support line and requested to speak with a manager XX/XX/XXXX. I mentioned the issue of the discrepancy on the statement, the false cancelled transaction on the online account and requested an amortization schedule to review. The manager offered to " waive '' {$55.00} on the account and denied the request for a schedule history to review for my records.
Consumer complaint received 2022-01-29
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. (TX)

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-12
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. (NV)

I received a letter from XXXX XXXX XXXX XXXX about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XX/XX/XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XX/XX/XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

On XXXX XXXX, 2015 I received a letter from Midland Credit Management asking me to pay XXXX credit account at a reduce rate. The letter stated that it is on my credit report and if I pay the account in full they will report it on my credit as PAID IN FULL but if I pay less then they will report it on my credit as PAID IN FULL FOR LESS THAN THE FULL BALANCE.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Applied Business Services, Inc. (CA)

this is my business credit card and i lost my business they give me {$500.00} credit and i ask them my business is close but still charge me again i ask them to help me and I offer them to pay half of my limit but they didnt accepted and ask me to pay {$1600.00}