davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Hi, I had previously submitted a complaint in XXXX  of XX/XX/XXXXwith Sallie Mae - who has since sold my loan to Navient. The previous complaint case number was : XXXX.

The complaint was centered around raising my payments after doing an interest only repayment. I settled on an agreement with Sallie Mae - which was to an extension of 3.5 years to help keep the payment at the original payment amount of XXXX per month.

Upon checking on the status of these loans - it looks like they have extended my loan to XX/XX/XXXX. I graduated in XX/XX/XXXXand was told that my Master Promissory Note shows a 10 year repayment. This means that I should be done paying these loans in XX/XX/XXXXor XX/XX/XXXX at the absolute latest. My monthly payments have also steadily increased from {$620.00} a month to {$670.00} a month currently ( and to be clear the total interest being paid a month is actually less than it was in XX/XX/XXXX).

I tried calling Navient and asking for the agreement and original master promissory note. I was told they would get them to me by Friday of last week ( XX/XX/XXXX ) and they have still not been sent.

I have been paying these loans for over 11 years at this point. I took a short period of time where I paid interest only and I'm aware that this extended my payment - but I did not agree to have this extend to a 19 year repayment. This is unacceptable and I'm hoping you will be able to assist me.
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company continually applies fees when payments are late. Email notifications are not being sent. The company has acknowledged this several times over the past year. It's just not getting fixed. It's 2019. People rely on email and text reminders. The company teases customers with rate and credit line increases but coincidently will forget to send a notice when the time comes for a credit increase. 

I've been a Capital One customer for over 12 years and I'm treated like trash. I opened this card as a credit builder and my experience has been mostly obscenely long hold times ( sometimes over 60 minutes ), condescending customer service reps and misinformation. I've given up countless evenings after work or I have to wake up an hour early just to call about getting my bill.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid 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: DISCOVER BANK (VA)

The beginning of XXXX, I got a call from another card questiong a charge to my account of {$400.00} from XXXX XXXX, MN. I advised them I did not make the charge and to not accept any further charges from XXXX XXXX. 

At that time I called my 4 charge cards and told them NOT to honor any XXXX XXXX XXXX for {$400.00}. They all took my request seriously and did not allow any more charges specifically XXXX XXXX, MN for {$400.00} I called Discover also. XXXX XXXX continued from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all for {$40000.00}, XX/XX/XXXX & XXXX, XXXX XXXX ), XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX charges for {$400.00} - XX/XX/XXXX XXXX XXXX again {$420.00}. LOOK AT ALL THE CONSEQUTIVE CHARGES MADE ON MY ACCOUNT with 4 on XX/XX/XXXX alone. 

NO ONE PICKED UP ON THIS ABNORMAL BEHAVIOR. I NEVER GOT A CALL QUESTIONING THE VALIDITY OF THE CHARGES!
Consumer complaint received 2018-12-21
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: Nelnet, Inc. (IL)

Department of Nelnet has been consolidated and they still have not removed all the accounts that were closed. They have it on my report multiple times for the same account balances. Please remove all closed account. 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 XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (IN)

Gemini Crypto Exchange froze my account over a month ago. Since then, I have sent multiple support messages trying to unfreeze my account or at least get some explanation as to why they did this. To date, Gemini has not responded to any of my requests for assistance or explanation. 

This account has access to my bank accounts. Not having access to it is a security risk. Gemini has no right to take away access to my property without giving me any reason or assistance as this is a breach of their fiduciary duty.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America recently closed my Visa Credit Card after I have had it for over 17 years ( 2003 ). I have been a victim of identity theft and bank accounts have been opened under my name. I received a letter that my account has been closed due to returned check payments on charges I never made. I have disputed this on my credit report and they refuse to remove it. I called Bank of America and they couldn't give me akt of information but said they felt I would be suited for another bank even though I haven't used the card in 2 years they were not concerned that my account was used fraudulent ly. I feel like my 17 years there meant nothing to them and this account closure has hurt my credit score more.
Consumer complaint received 2018-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Person was selling XXXX Tickets on XXXX 'XXXX  XXXX We reached a price for 4 tickets to XXXX Game on XX/XX/18, the plan was to transfer tickets using XXXX Ticket Transfer on-line tool. Seller suggested we use XXXX to make payment since XXXX transfer fees were really expensive. Seller gave me his XXXX e-mail XXXX and i transferred {$400.00} from my XXXX XXXX account, that was linked with XXXX. Seller used cell phone number to send and receive text messages, seller cell number is XXXX I called XXXX and learned that the order number was fraudulent and there was no way to track who this person is. I also called XXXX XXXX and submitted on line fraud claim. Claim Number XXXX, phone number for XXXX XXXXe On-line Fraud is ( XXXX ) XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (MO)

Im not sure why Bridgecrest would state in their cfpb complaint response that they sent me notice to seize my possessions for an alleged debt that I do not owe! They are not in my contract and its very clear that they have the wrong account information because the account number they have and the one on my contract is not the same which is deceiving and misleading. Threatening to seize ones property due to any form is nonpayment is not only a harassment, but its also very stressful and their tactics have caused me to have a XXXX and turmoil in my relationship. This alleged debt is also being reported to credit reporting agencies as a loan and nowhere does it say loan in any paperwork that I have. This company continues to lie directly to the CFPB, but refuses to provide proof. Stating that they sent me a letter about repocessing my vehicle that I use for family, and school is extortion and a direct violation of 18 usc 873. They stated they can't send me documents because of a cease and desist, but they continue to commit mail fraud and I just received yet another contract that they're not listed on and did not sign and its not the original contract along with a list of payments. Thats not all of the documents that I requested when I sent my cease and desist in XXXX of 2022.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (TX)

I have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year American credit Acceptance sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. Experian, XXXX and XXXX have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.
Consumer complaint received 2022-07-26
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. (SC)

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 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 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 2018-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

There are 5 total entries by Credit Systems ( International ) on my credit report : # 1 - XX/XX/XXXX = {$520.00} Date of 1st Delinquency of XX/XX/XXXX # 2 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 3 - XX/XX/XXXX = {$40.00} Date of 1st Delinquency of XX/XX/XXXX # 4 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 5 - XX/XX/XXXX = {$61.00} Date of 1st Delinquency of XX/XX/XXXX I have sent repeated disputes to XXXXXXXX  ( which resulted in a breach in my credit! ) /XXXX  and have discussed it with Credit systems on the phone as well.

I had 1 XXXX in XXXX of XXXX and before I could have this XXXX, I had to pay for all of this beforehand, in full or no XXXX! I distinctly remember standing there having to wait on the person at the desk as they decided how much it was going to be as well. Not only that, as you can see two are the same amount - hence it's been duplicated! 

I have repeatedly asked that these be taken OFF my credit report with no success and need help seeing as they think they have the right over me.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

transunion is not good credit watch company, they do not update my credit, like credit card is already closed long time, but they still show is open. when I apply new credit, credit card company think I had a lot activated credit card, then they decline my apply. even I had over 800 credit score.
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: AMCOL Systems, Inc. (TX)

I submitted three payments to the company towards my original balance of {$1500.00} that is not reflected on my credit report ( the balance owed on my credit report shows the total amount of {$1500.00} ). 
The following are dates/amounts I paid toward my balance owed and would like reflected on my credit report : XX/XX/2019 - {$5.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$280.00} The following payments were written checks that were cashed by the company, which I have proof of. 
The company has incorrectly sent my account into collections in XX/XX/2019 under the premise that I did not make an attempt to send any payments, which is untrue.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (TX)

I repeatedly am seeing updates on my Experian and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX  XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-12
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: Experian Information Solutions Inc. (IL)

XXXX ; Experian and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.
Consumer complaint received 2019-09-12
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. (IL)

XXXX  ; XXXX and Transunion are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.
Consumer complaint received 2022-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Recovery Systems, Inc. (MS)

Received a debt collection letter from Advanced Recovery Systems on on XX/XX/2021 .I sent Advanced Recovery Systems a debt validation letter on XX/XX/2021 requesting for them to validate the debt because in the letter the sent me it said that I owed them {$100.00} on multiple accounts and I didnt know what accounts they were referring to. They never replied to my request.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I was notified by text that my Bank of America credit card was used for purchases and I immediately notified Bank of America via text that I did not make those charges. On that same day, I called the bank that I never received my card ; therefore, those credit card charges were fraudulent. The Bank of America representative filed a fraud claim, issued a temporary credit for {$1300.00} while Bank of America 's fraud team investigates my claim, and I received a replacement card which I activated in late XX/XX/2021. 

On XX/XX/2021, Bank of America denied my claim and reversed the temporary credit. When I called a Bank of America representative, I was told that the Bank of America fraud team never documented that my card was stolen ; therefore, Bank of America made it seem like I made those charges in XX/XX/2021. My case was reopened on Wednesday, XX/XX/2021 and denied a second time on Wednesday, XX/XX/2021. While calling the bank again, I was told that the fraud team ignored that my card was stolen/never received. Through my various conversations with Bank representatives and two appointments at the Bank 's XXXX office, the bank 's fraud team acted accusatory and has treated me poorly. 

To make matters worse, I was told by a Bank of America representative ( " XXXX '' ) during my second in-person appointment on Tuesday, XX/XX/2021 that the last four digits of the phone number used to activate my stolen credit card does not match the last four digits of my phone number that Bank of America has on file. 

I filed a police report on Saturday, XX/XX/2021 and I was able to obtain the police report on Tuesday, XX/XX/2021 that ascertains the facts I have presented to Bank of America.
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MD)

A collection account appeared on my credit report. I have never received a bill or a phone call pertaining to this medical bill. I am under both my parents medical insurance XXXX XXXX and XXXX. XXXX is my primary. That insurnace fall under XXXX XXXX and XXXX XXXX fall under my mother XXXX. Both insurances are active. I am requesting that this be removed immediately from credit report and if there is a payment due that they seek payment from the insurance company COMNWLTH FIN Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/2019 Balance Date : XX/XX/2019 Balance Amount : $ XXXX Monthly Payment : High/Limit : {$620.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT
Consumer complaint received 2019-09-12
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: Experian Information Solutions Inc. (CA)

I contacted the Experian advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate. I was victim of identity theft and my filed was also mixed with someone with a similar name. I contact Experian on XX/XX/2019 around XXXX XXXX PST and spoke with a rep in disputes name XXXX ask them how they verify this bankruptcy and was told that information was verified through XXXX XXXX. Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii )  regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Experian is required to conduct investigations of disputed items with the furnisher which they have on my report as US BKPT CT CA XXXX XXXX  of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX XXXX. I contacted the US Bankruptcy Court in  XXXX XXXX, CA. They advised that no bankruptcy shows under my social security number but they are people with the same name. The court could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Experian needs to remove this bankruptcy off my credit immediately because this is not me!!