davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (VA)

The company is saying they are collecting for XXXX XXXX but my XXXX XXXX bill is paid in full. I do not owe any debt. This company that is reporting to the collection agency, I have no contract or agreement and I have no debt with them. They also did not provide any information that shows I owe any debt with them. I contacted XXXX and they confirmed my balance was paid in full. Now aware of this agency and again do not owe any debt with them.
Consumer complaint received 2018-05-20
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: TD BANK US HOLDING COMPANY (LA)

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XX/XX/2022 DEAR CUSTOMER XXXX ABOUT XXXX : I AM XXXX XXXX XXXX THE XXXX REASON OF OPENING AND FILING A CPMPLAINT AGAINST BJ 'S CREDIT CARD CORPORATION IT'S FOR THE FOLLOWING REASONS ON THE MONTH OF XXXX 2022, THIS CORPORATION MISTAKENLY HAPPEN TO RECEIVE XXXX ELECTRONICALLY FULL PAYMENTS OF THE EQUAL AMOUNT OF {$170.00} FROM XXXX DIFFERENT BANKS INSTITUTIONS ON MY BEHALF TO COVER FINAL REMAINING BILL OF SRPTEMBER THAT WAS DUE ON THE XXXX OF THAT MONTH AS SOON AS I REALIZE WHAT HAS HAPPEN I DID REQUEST THE XXXX XXXX XXXX XXXX TO STOP THAT PAYMENT THAT I DIDN'T AUTHORIZE : THE CREDIT UNION DID COMPLY WITH MY REQUEST, HOWEVER TO MY SUPRISE I HAPPEN TO RECEIVE XXXX CREDIT CARD STATEMENT WIT
Consumer complaint received 2019-07-24
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: Santander Consumer USA Holdings Inc. (MT)

I AM A VICTIM OF IDENTITY THEFT and regularly monitor my credit reports. I recently viewed my credit report and viewed a hard hit inquiry from " Chrysler Capital '' that I don't recall authorizing. I have tried several times ( last time- yesterday ) by calling Chrysler Capital and unfortunately they did not want to resolve this matter informally. I requested for them to provide me the credit application that is dated and with my signature that confirms that the hard hit inquiry was done with my permission & for a permissible purpose. Each time the representative said they would be unable to do that. 

Date of inquiry : XX/XX/2019 2019
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-07-23
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. (MD)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2017-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the letter that I sent to the credit bureaus on XXXX XXXX, requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.
Consumer complaint received 2018-05-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Collins Asset Group, LLC (FL)

I have requested a signed legal document between myself and the said lender collection agency, Collins Asset Group, this is my second attempt requesting a contract to validate my signature and agreement with the collection agency, as they continue to send ask me for my personal information to follow through with their investigation, they also forwarded me documents from the said lender, but not their agency. At this time I am requesting to file a cease and dismiss of collection from the said agency as they have failed to provide supporting documents by and between their agency and myself.

1st contact dated : XX/XX/XXXX 2nd contact dated : XX/XX/XXXX collection amount {$8100.00}, opened XX/XX/XXXX without my agreement nor signature. Collins Asset Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (SC)

I called XXXX XXXX to try to get my loan payments lowered. I spoke to a representative XX/XX/2019 and she stated that I needed to recertify and choose a better IDR plan for a lower payment plan of {$68.00} a month. I did exactly what the representative told me to do. However, when I called XXXX XXXX on XX/XX/2019 at XXXX a representative stated that I could not change my IDR plan because I needed to make 3 consecutive payments before I could change the plan. I tried to explain the representative that the other representative I spoke with on XX/XX/2019 never stated anything about that and how I did everything she told me to do but the representative I spoke with was not trying to help me and got an attitude with me ; she stated that I had three months to pay XXXX which would be XXXXeach month and she also stated that I would not have to Pay anything until XX/XX/2019.The representative was no help with assisting me ( consumer ) ; she did not try to find a solution for me and all I wanted to do was get lower payments. 
XXXX ( XX/XX/2019 ), I tried to call XXXX Representative to see if someone could assist me and figure out a way to get me lower payments and the representative ( s ) were no help. The representatives kept transferring me. The first representative did not mention anything about not being able to change my IDR plan and the 3 consecutive payment but when she transferred me to another representative the representative was not helpful as well. She stated that I had to make a payment of XXXX on XX/XX/2019 and my new payments would be XXXX on XX/XX/2019. It seems to me that all the representatives need more training because they are supposed to be there to assist and answer questions. They were definitely not able to answer certain questions and did not even take the time to try to find a solution to help the consumer ( me ), especially when Im willing to make payments. The last representative I spoke with definitely did not help me, it was as if he went off of the previous representative words because as soon as spoke with him, he stated that the representative explained what was going on and basically went off her word instead of his own judgment/ solution. I asked the last representative about doing an appeal or a complaint and he stated that XXXX XXXX do not have appeal forms and he stated that he did not know what CFPB ( XXXX XXXX XXXX XXXX ) and never heard of it ; XXXX XXXX  Representatives need more training on a lot of information so that they are able to assist consumers instead of giving them consumers false information and the run around.
Consumer complaint received 2019-07-24
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. (NC)

XXXX by XXXX XXXX put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but TransUnion has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (GA)

Freedom Mortgage has failed to report the correct loan # XXXX status which was paid-off back in XX/XX/2019. I will attach the latest credit report which was generated today XX/XX/2019. 

All I am asking for is for Freedom Mortgage to report my loan status correctly and it is being ignored again XXXX  months now and still not reported correctly.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Experian requested additional Indemnification documents from me in which I provided but I haven't heard anything back from them. The additional documents they requested I sent in my original dispute as well.

All accounts were removed except " US Bankruptcy Court Clerk of XXXX XXXX  CT " in the amount of {$0.00}. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OH)

They contacted my father and fully disclosed the debt, the amount owed and who I owed it to. This has created a huge issue in my family and making me embarrassed as I was going through a divorce. Why are they allowed to tell my dad about my debt? I thought that was illegal? I am contacting a lawyer now to see what else can be done.
Consumer complaint received 2019-07-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servis One, Inc., Titusville, PA Branch (FL)

First, I do not know who is BSI and had no business association with that bank or company, but called my home several occasions asking for my address and the condition of my house. So I to sent them a debt validation letter, no response, and likewise QWR no response. Yet keep sending Mortgage Statment with some ridiculous and extravagant sum which was paid off. 

The balance was {$28000.00}, XXXX received a grant in my name for {$18000.00}, plus I had paid XXXX for 5-years {$520.00} per month = {$31000.00} + {$18000.00} grant= XXXX. 
Enclosed with BSI Mortgage statement. When I filed Chapter XXXX Bankruptcy BSI was not on the creditor list but they appeared at the hearing as a creditor.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have been directed by Navient that i was eligible and enrolled in the public service loan program. However after reading about a pending lawsuit i have found out that Navient did not tell me that i could not use this program because my loan is a XXXX consolidation and not a XXXX. This was done year after year, they lied and mislead me to believe i was in the Public Service Loan forgiveness program.
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (NM)

Regions Bank will not allow me to close a Regions Preferred LOC account with an annual fee unless I appear in person at a location XXXX miles from where I live. I opened the account while stationed at XXXX XXXX, LA at the XXXX XXXX XXXX, XXXX XXXX, LA location.  I was required to move for work to the XXXX NM area in XX/XX/XXXX. I did not close the accounts then, as my home was not yet sold and the home loan was through Regions Bank. After the home was sold in XX/XX/XXXX, I requested all my accounts to be closed. After some back and forth in the online message center, I received assurances that all accounts would be closed. I stopped receiving statements in XX/XX/XXXX, so presumed this was successful. 

In XX/XX/XXXX, I received a notice in my email saying I had a statement from Regions. Admittedly, I did not review the statement as my understanding was that all accounts were closed. However, this was a statement for an annual fee being assessed. In XX/XX/XXXX, I received a paper letter in the mail stating that a loan payment was not paid. I called Regions asking what loan I had with them. Regions notified me the LOC account was still open and that they have charged a {$50.00} fee, as well as a {$35.00} fee for not paying on time. Regions now claims I owe Regions {$85.00} as well as interest I presume. 

While the fees on an account that I wanted closed and had not received a statement on for over 7 months is egregious in and of itself, Regions insists they will not close the account unless I appear in person. No certified power of attorney is acceptable. No representative can attend in my stead. No modern legal vehicle will be accepted. I must take 2 days off work , drive 845 miles, stay in a hotel, go to the lobby of the bank I opened the account with, close the account, and drive 845 miles back. The only reasonable explanation I can come up with is that Regions Bank counts on clients just paying $ XXXXyr for the rest of their lives in order to avoid the likely {$1000.00} it will cost to travel to the lobby where they opened the account.
Consumer complaint received 2018-05-20
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: LEXISNEXIS (WI)

Lexis nexis responded to complaint XXXX filed by me to the cfpb per their response PACER serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. Because court records ARE public, any person or organization can view them through the PACER system Lexis nexis is in violation of the fcra because Lexis nexis did not verify directly with the Bankruptcy court.

Pacer.gov is a third party entity that collects information and then sells the information to Lexis nexis and other credit reporting agencies. Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccurracy because the information was placed on my report by a third party pacer system. 
I feel I am a victim of scrutiny.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone else had access to my new credit card and made almost XXXX in charges, then made a fraudulent check of almost XXXX towards this account, I contacted Capital One Fraud Department several times account manager and nothing was ever resolved. I received a letter from Capital One that this issue had been resolved, yet that was for their own protection, it never was. 

I have file a consumer affidavit with the FTC along with a police report and since then I have closed my Capital One account, since they made the mistake of reporting this to the credit bureau stating that I had utilized {$30000.00} in credit card charges.
Consumer complaint received 2018-03-29
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. (PA)

On XX/XX/2016 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of {$13000.00}. ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

There are five steps to submit your complaint : Step 1 : What is this complaint about? 
My complaint against Navient and Sallie on fraudulent activity towards my account. Sallie and consolidated loans i never entered agreement. Fraudulently sign my information on documents to take over my loans that was handle by XXXX XXXX. I have filed police reports and everything against this company. While trying to resolve the issue now Navient is over my loan I'm trying to resolve fraudulent activity alone with payments that paid XXXX for a XXXX loan plus interest totaling XXXX paid in full they keep having independent companies under umbrella to keep the account open on a paid account to get more money. This is fraudulent to me and they are transfer correct information on a loan that is paid in full. 
Step 2 : What type of problem are you having Step 3 : What happened? 
I try to call them but they give me a run around plus taking advantage of my situations to capitalize off me setting high interest rates and they care less to help you but work solely on the behalf of the Fraudulent company Navient. They have been paid in full. They find ways to keep the account current by selling my account to other companies. XXXX of my money then paid a account t Step 4 : What company is this complaint about? Navient and Sallie mae XXXX XXXX XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 
XXXX XXXX consumer vs Navient Before you get started please help me
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (FL)

On XX/XX/29, I sent letters regarding inaccurate and false on my credit report. To this day, I wasn't notified of any investigation taking place. It's been more than 30 days since my first letter. I feel like I'm being ignored of my disputes. This are deceptive practices by those agencies.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

In XX/XX/XXXX, XXXX could not provide the services that they sold to me due to the coverage issues they were having and their need to add more cell tower coverage in my area. I had expressed many concerns with XXXX and rather than doing the responsible thing, they chose to make me wait out my contract. As painful as that was when canceling, I had already paid for services in advance to XXXX so the last bills should have been covered. XXXX sent an erroneous balance of {$410.00} to Convergent to collect on. They had already collected monies that covered any final bills and this was challenged by me and subsequently removed from my credit report. Now in XX/XX/XXXX and without any notification, I see that it was again added to my credit file and there was no communication informing me of this. This is a complete misuse of power and needs to be removed as it is effecting my credit report. I do not have any history of collections EVER with any other company. XXXX and Convergent are in the wrong and it is effecting me personally. I am hoping for assistance or I may need to  contact my attorney. At this point, its about doing what is right. I genuinely believe that XXXX is just a big company that isn't getting the right people assigned to this and that this file is being bounced around with the representatives that work at Convergent. All I am asking is that this be removed off of my credit report as it has already been challenged and removed previously. This is double jeopardy and a big company game that needs to stop.