davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NM)

I just received a Garnishment Notice, based on a loan that I co-signed on in XX/XX/XXXX. I did not receive any notice about this garnishment, have a chance to dispute it, or be notified that it was going to enforced ( more than 16 months after the fact ). They report that there was a judgement on XX/XX/XXXX, but I was not aware of it, or I would have disputed my involvement. They have located the primary debtor, so why am I being garnished? They repossessed the car in question 3 months after it was bought, so why am I paying for something they have had since XX/XX/XXXX? Why did n't they give me the opportunity to challenge? Why does this debt even exist? Furthermore, this is causing an extreme hardship on my family. We are just finally recovering financially after I had to quit work to take care of my son, who was diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. After he passed in XX/XX/XXXX, it took a while for me to get back to work while I grieved my XXXX  year old. I am finally climbing out of the financial debt we incurred, and am now subjected to this. I tried to talk with the company on XX/XX/XXXX, but they said to talk to the attorney. I tried to set up payment arrangements with the attorney, and maybe negotiate a lower amount, but they claim they can do nothing -- it 's up to the court. I know this is a flat out lie, as we just got done paying another garnishment on expenses incurred while my son was sick. This garnishment is predatory and spiteful.
Consumer complaint received 2017-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My XXXX school loans were bought by Navient. Since that time they have done many things to mislead me and make it nearly impossible to pay off my loans. I had an Income-bsaed repayment plan. Twice in XXXX, I attempted to give them my updated information to increase my payments. They told me that they would not accept it until the next time my Income-based plan required it. They essentially would not allow me to increase my payments and recommended I just pay extra each month ( effectively eliminating the point of autopay ). I then tried to refinance my loans through XXXX because Navient was so terrible to me at every turn. XXXX paid them my full loan amount. Navient miscalculated " interest '' that I owed and took {$11000.00} of the pay off amount. This left me with a new loan with them for {$11000.00}. I received no notification of this. I then got a check in the mail for this amount with no explanation. Essentially, they are hoping that I do not realize what this check was for and cash it, leaving me with a new loan with Navient that they can continue to make money off me with. I did not sign any Master Promissory Note for this loan and never received any correspondence about this new loan. Navient is purposefully trying to mislead me and continue to make money off of interest. I have tried to not be their customer any longer, but it is nearly impossible to get out from under them.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

After being assured by the loan originator that everything was perfect and there would be no issues in XX/XX/XXXX just now in XX/XX/XXXX I have been denied a mortgage. Of course after spending {$400.00} dollars on an appraisal and countless other {$5.00} transactions to fax over document after document to prove the most ridiculous things, from where deposits as low as {$140.00} came from to the ownership of a XX/XX/XXXX XXXX wheeler. In the end they denied me based on credit issues which have only improved over the four months of jumping through hoops. The reason for denial is a fabricated XXXX and I believe I should get a full tefund for all the money I spent due to being lied to from the start. I believe the underwriting division of this mortgage through 5/3 did not do their job properly as well as the communications between myself and 5/3 mortgage was horrible. I ended up having to reach out to the bank manager to have him contact the loan originator for me. The underwriting department headed by XXXX XXXX has had XXXX contact with me regarding my mortgage application and process for over two months. Then I simply receive a letter stating it was denied. Four months of wasted time and money and not only no mortgage but absolutely no explanation as to why. Horrible customer service.
Consumer complaint received 2022-05-13
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. (NY)

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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXXXXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Consumer complaint received 2016-02-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (PA)

Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC (MN)

This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL 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 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 an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-13
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 2022-05-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I sent a request to Navient for a XXXX XXXX XXXX XXXX. I was sent back a denial because " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I have XXXX borrower defense applications with studentaid.gov that were approved. But I have yet to receive any relief because of the consolidation of my loans. 

I consolidated my loans because I could not afford the income driven repayments that were originally set by them. But because of that, I've been denied relief/discharge/refunds associated with both schools that I attended, XXXX XXXX and XXXX XXXX XXXX that have been a part of various court cases that resulted in all receiving full relief that I should be entitled to.
Consumer complaint received 2022-05-13
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: JPMORGAN CHASE & CO. (NY)

Please see the prior Chase complaint with the CFPB, which has been closed by CFPB and is unresolved. 

1, Chase stated that I was still an authorized user on XXXX XXXX 's credit card and asked if I wanted this removed from my credit report. My credit score has been impacted negatively. I am requesting that this is resolved immediately.

2. I did not agree to be an authorized user on XXXX XXXX 's account, as per my last complaint. This is fraud. Chase claims that XXXX XXXX is to blame, not them. 

3. As discussed, my attorney and I need all statements for transactions on the following card : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show to the court in XXXX, index XXXX, and to XXXX XXXX. 

Thank you.
Consumer complaint received 2022-05-13
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # listed below has violated my rights. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Currently on-time 1 Missed Credit cards XXXX XXXX XXXX Currently on-time 3 Missed Other loans XXXX XXXX XXXX Currently on-time 4 Missed XXXX XXXX Currently on-time 4 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 Department of edXXXX Department of education XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 witout my written instructions.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There was a computer glitch that caused my inquiries to be removed this was Transunion 's problem not mine transunion later re-added these inquiries without properly notifying me in writing within 5 days of them re-adding the inquiries I then contacted transunion in good faith and asked them to remove these inquiries that they illega lly re ad ded on several occasions to no prevail the last time I called on Friday  XXXX   XXXX   2017  the number I dialed was  XXXX  I spoke with a representative that then transferred me to a supervisor named  XXXX  he had a very thick accent I tried my best to understand him but I could n't I asked to be transferred to a United States representative because I could n't really understand him he told me no he would not transfer me I 'm just really frustrated with the treatment and time they are taking away from my day because of this. It has caused a very untimely hardship for my family I was going through the home buying process and my agent told me that this drop in my score because of the injuries can result in a denial from my home loan I 'm so frustrated that transunion feels it 's okay to violate my rights in this manner!!! Please help me cfpb please make transunion stop victimizing me.
Consumer complaint received 2017-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX  XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (IN)

XXXX I recd an alert abt a charge for {$230.00} for a XXXX. I immediately called the Fortiva Fraud # to let them know that was not me. I informed them I had not been using the card bec I was trying to pay it off. My last charge was in XXXX or XX/XX/XXXX. The rep verified and stated they would cancel the card & investigate. While talking with them. I looked at my statement, it showed the same charge being charged twice. Along with other fraudulent charges on XX/XX/XXXX XXXX XXXXXXXX  {$47.00}, XX/XX/XXXX for XXXX XXXX XXXX for {$5.00}. I did not even rec notification abt these. I was told to call the co that submitted the charges. I did and was told, they could not give information XXXX I had filed a dispute with my credit card co and they referred me back to Fortiva. I then called Fortiva and let them know what i was told. I then recd a letter from Fortiva stating they completed there investigation and I had made the charges. I asked for the XXXX address they claim was mines and they stated I should have recd an email of which I did not! I also called XXXX and they again refuse and sent me back to XXXX. I just want those charges removed so I can cancel this card.
Consumer complaint received 2022-12-16
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. (DE)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX h

as 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 2022-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX 30 days late in XX/XX/2022 but I was never late! 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2022-05-13
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. (CA)

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. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX