davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I am in a flux of calls about my student loan which is just wrong. Multiply calls coming in from collectors saying they represent Navient. Even calls coming from XXXX now??? 
Callers say they are legal operators. They have no knowledge of who they are talking too! Their amounts all suggest different levels of debt. But it is time to focus on local issues involving Elections and every year the calls triple. Maybe next year I will become incognito. For now I must stay connected to my phone and emails. 
Callers are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX during just 2 days. I wish they could get really involved with true and valuable collections if owed. But this is just Bullying at it's worse but people must pay them to keep after it.
Consumer complaint received 2021-10-05
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. (DC)

I sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people this way.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CO)

XXXX XXXX falsely claimed to a collection agency XXXX XXXX XXXX that I owe them {$100.00} from 2015 citing an account number that is not mine. I still have a different XXXX XXXX account number with a zero balance on automatic payments. I believe XXXX XXXX is either negligent or engaging in illegal business practices to try and force me to pay them money they are not owed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a checking account with XXXX XXXX XXXX  at XXXX XXXX on XX/XX/XXXX with {$200.00} bonus offer. The offer term stated that I need to " Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the  amount of at least {$300.00} must post to the new checking account. '' and " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. ". 

On XX/XX/XXXX, I had an incoming direct deposit for more than {$200.00} to the account. However, after 60 days from that I still did not receive any bonus. I called ( XXXX ) XXXX ( BBVA Customer representative number ) on XX/XX/XXXX and was told to wait. On XX/XX/XXXX, I called again and was told that I have already satisfied all requirements but there was some problem with the system, and I will receive the {$200.00} bonus by XX/XX/XXXX. However, I still have not receive the bonus yet.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (FL)

Netspend sent me a debit Mastercard in the mail with instructions on how to activate the card and set up a direct deposit into the card. I have never heard of Netspend before the mailing arrived, have never used their services, and have absolutely never requested a card from them.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.
Consumer complaint received 2017-11-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VW Credit, Inc (FL)

This morning I received 22 computer generated calls to call VW Credit at XXXX. 
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7. 

This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone. 

Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (TX)

They are trying to reach XXXX XXXX, someone I do not know and have never known. He would not have had this phone number for over 10 years ( because I have had it exclusively all that time ). I tell them all of this every time and they say they will remove me. Then they start calling from a new outgoing number and pretend I've never told them that and they've never talked to me before. But it's always XXXX looking for XXXX XXXX. I tell them I'm on the Do Not Call registry and they ignore it. I think because they are probably debt collectors ( but they won't verify that with me because again I'm not XXXX XXXX and don't know him ). They won't tell me where they're getting my number from/why they have it erroneously connected to him. They're rude and confrontational. They lie.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (AL)

Navient my student loan servicer. Navient has been reporting student loans in deferment lowering my XXXX XXXX of over XXXX points in the process. A recent change in my credit report shows exactly how much they have been hurting my credit report. I have student loans for a very long time. Also, my income is low. As a result of low income I am forced into deferment because I can not afford the $ 1700+ monthly payments. I can not obtain credit due to Navient being a major factor in lowering my score. I would like to finish my XXXX XXXX XXXX. However, I can not get a loan
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AR)

I have disputed negative inaccurate debt collection information on my XXXX consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and XXXX has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, XXXX has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes XXXX has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to LexisNexis and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying 3 times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that XXXX is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In a dire situation compounded by financial hardship, I find myself compelled to address a grave issue concerning your unauthorized access to my credit profile. It has come to my attention that despite not providing explicit consent, your organization has unlawfully obtained my credit information. I want to stress that I have not granted you permission to access or review my credit report for any reason whatsoever. Furthermore, it's crucial to emphasize that under the law, you lack a permissible purpose to contact third parties or access my private and personal information without my explicit authorization. This unauthorized intrusion into my financial privacy has exacerbated my already dire circumstances, leaving me severely struggling to make ends meet. Regrettably, due to financial constraints, I am unable to afford the cost of postage to send physical letters. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to mediate this dispute on my behalf. I implore you to cease any further attempts to access or utilize my credit information without my explicit consent. The impact of your actions on my financial stability can not be overstated, and I urge you to rectify this matter immediately. Failure to comply with this request will compel me to pursue all available avenues to seek redress and hold your organization accountable for the distress it has caused me.
Consumer complaint received 2021-07-08
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. (GA)

Trans Union is violation of FCRA ( 15 U.S.C. 1681 ... ) As this information is inaccurate and they will be sued for that reason. Trans Union is the only agency reporting this information as I have attached all screen for proof and other lagel documentation from prior disputes with CFPB. 

Records : # XXXX # XXXX # XXXX They have sent a generate response, which holds no weight. I demand a discription of reinvestigation and all parties involved. That would included names, phones number, addresses and documetation of proof. Please provide me the method of verification and accuracy of this account # XXXX ( XXXX XXXX XXXX  ) as XXXX  and XXXX  have remove this acocunt from my credit report. 

Now that we have made all the attempts to get this corrected and have a paper trail, we can move to forward to the courts and Trans Union will have to explain Why they are the only agency that is reporting this inaccurate information and destroying my credit report.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

Diversified Consultants placed a collection on my account in the amount of XXXX. I disputed this same account with a collection agency by the name of XXXX and XXXX XXXX back in XX/XX/2017. The account was fraudulently opened. 
I called XXXX and informed them that I previously disputed this and now another colleyagency is trying to collect on a bill that I do not owe. I was instructed to contact the collection agency bc they reported they did not assign it to anyone. I sent Diversified a letter and they responded that they matched the account by my name and address. My name is spelled wrong and the address is a PO box number. 

This company is using illegal tactics to attempt to collect on accounts they clearly do not own and can not verify according to the FDCRA.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One charged me {$59.00} annual fee for the coming year for my card. I told them I want to switch to a card with no annual fee. They agreed to do that and switched me to a no fee card. However, now they won't refund the {$59.00} annual fee for the old card which is now closed. The supervisor said the fee is charged to provide me with the benefits of the card for the coming year. That's fine, but now that I've closed that card, I won't be getting any of those benefits, so it would make sense for that fee to be refunded. Otherwise, they simply took {$59.00} from me and are providing nothing in return. I'm sorry, but that's just not right. For the life of me, I don't understand why these companies agree with you that what you are saying makes sense, but then act completely helpless to resolve the situation.
Consumer complaint received 2022-09-09
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: I.C. System, Inc. (FL)

their is a collection on my report from IC System stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Consumer complaint received 2018-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (KY)

I got a short term loan from XXXX XXXX XXXX. I paid it off early but they still charged me a large fee. It cost me almost 2000.00 dollars just to pay it off early they said I had to pay the fees to pay it off early and that I would owe them anyway. I think I was done unfair and they owe me money back.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

I am waiting to file bankruptcy to restructure my personal credit card debt. XXXX XXXX has been calling my XXXX-year old mother-in-law, who lives in XXXX alone about my personal credit card debt. She tends to worry and panic and every time they call to harass her it makes her very stressed out and worried. My husband and I live in XXXX. XXXX XXXX has been harassing her and calling her twice a day for the past few months. I never gave her information to them and I am not sure how they decided to start calling her. She is an elderly person and should not be subject to their repeated harassment and violation of debt collection practices when contacting a third-party. With them harrassing her twice a day these past few months, who knows how much personal information they have given her without my consent or knowledgement.
Consumer complaint received 2017-11-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (CT)

This is a detailed response to the previous complaints that have been submitted. Navient was in violation of the FCRA and I would like for the item to be removed. The information requested has not reached me and the time frame has been well passed. As a result I am asking for the cfpb assistance to have them abide by the consumer rights law and remove the item from the credit report.. On XXXX XXXX 2017 the debt validation letter was delivered and signed for by Navient. The letter was sent from me with my current address via signature confirmation and certified mail. I waited and never received any of the requested documents. I allowed them, the law required, time frame to respond and then sent in and update and resolution assistance through CFPB. Although a response was given, stating that they printed a letter on XXXX XXXX. The address however on this letter did not correspond with the one that was submitted as my return address in my original debt validation letter. I have yet to receive the information requested and this has placed them in violation of the FDCPA Section 809 Validation of debts [ USC 1692g ]. Based on the rules established under FCRA Section 809 ; which states that if they have not validated the debt within the 30 day time frame : 1 ) they are not allowed to collect the debt 2 ) they are not allowed to contact you about the debt 3 ) they are not allowed to report it under the Fair Credit Reporting Act. Doing so is a violation of the FCRA. Based on this and supporting documentation, I am requesting your support to resolve this matter ; which is to have the item removed from the credit report please. Thank you so much for your support.
Consumer complaint received 2021-10-05
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)

There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.
Consumer complaint received 2021-10-05
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. (SC)

I have disputing theses incorrect Items on my credit since XX/XX/XXXX. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.