davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IL)

I notified NAVIENT and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to NAVIENT and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after NAVIENT was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX.  In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX NAVIENT and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and XXXX continued calling. XXXX XXXX XXXX made several calls to my cell phone in violation of the no contact request. The NAVIENT
Consumer complaint received 2021-11-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (GA)

Re : XXXX Bill # XXXX I have submitted a certified letter and other letters to Harris & Harris over the last 4-6 months asking them for validation of this debt. I asked them to please provide the name, address, and telephone number of every person who personally verified this alleged account, so that I can inquire about how they verified it without providing any proof, bearing my signature. This creditor failed to provide any documentation. The only information they sent was to my XXXX  credit report with my name, their information, the account number and the amount owed. 

Moreover, this fraud utility account is reporting inaccurate information on my XXXX  credit report. This false debt is hurting me and my family in this pandemic. Because Im trying to refinance my mortgage and they the mortgage company wants to know what is this collection on my credit report. I want someone to send me the contract i signed with you consenting to doing business with you? If there is No contract how can I have a debt with you.Delete this off my report within 30 days per the FCRA
Consumer complaint received 2016-01-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (MO)

I financed a automobile, it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out, that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time, they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit, they reported the information wrong. They said I owed {$5100.00} on a one month loan, I disputed their reporting because of errors and they now entered it as a new line of credit and still no bill of what 's owed. I feel they violated the fair credit reporting act. Any help would be appreciated.
Consumer complaint received 2019-11-08
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: REGIONS FINANCIAL CORPORATION (PA)

Account # : XXXX We applied for a XXXX XXXX XXXX XXXX Mastercard with the company and were approved for an account on XXXX XXXX with a credit limit of {$1500.00}. The company said we were approved for fuel, maintenance, business expenses, international and internet purchases. The cards we were sent in the mail were fuel cards with maintenance expense capabilities. Because the other features were locked, we requested new cards. I have been working on this for the last two months. Finally after having spoken with multiple supervisors in the customer service department, our company was sent the two credit cards for which we applied. The cards were receied in the mail and we were told that they are open to all expenses but then 4 hours later we received an email saying that we weren't approved and the cards were locked from our account. We scanned and sent in the agreement which was sent to us on XX/XX/XXXX but the company doesn't care. 

We were also charged multiple times for different amounts that what we approved them to bill us for which was a payment in the amoujnt of {$290.00}. Here are the confirmation numbers : XXXX, XXXX, XXXX The email we received was on XX/XX/XXXX saying that the credit department had approved the cards being sent out to us, and now they are declined so the cards are blocked. We applied for the business cards in XXXX and were approved for that, and the company sent the wrong cards. They sent fuel cards and we never applied for that. We were sent to new accounts who informed us that a second application was opened in our name but because we had a recently submitted application within the last 3 months, that was also declined. We never submitted a second application. We called to have the problem that customer service caused fixed, but that never happened. The company then said that the credit department says we have " high risk credit '' and that is their reasoning as to why they are currently blocking our issued credit cards. 

However, that isn't the case either. 

We have made our payments on time, do not owe them money, and we have a credit line with another company for {$10000.00}. That company is called XXXX, XXXX and they have given us a {$10000.00} credit line so clearly we do not have bad business credit. Our XXXX credit account isn't personally guaranteed by any of our authorized users because we have very good business credit. Additional verification by the credit bureau XXXX XXXX XXXX is being attached with their recommended credit card limit of {$7500.00}. We are a partner of the XXXX  XXXX XXXX XXXX, so we have attached that. Their claim of having bad business credit is therefore a lie and it's a violation of the FCRA to do what they are doing. 

We are attaching the cards, the request to the XXXX XXXXXXXX XXXX  Directors, and the documents so that the case may be further looked into.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZWICKER & ASSOCIATES (TN)

I had a summons to XXXX County General Sessions Court today regarding the plaintiff XXXX XXXX   vs XXXX XXXX. XXXX XXXX  mailed new a letter stating ; the account has been charged off and Zwicker & Associates is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Zwicker & Associates. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?
Consumer complaint received 2018-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery repeatedly harasses me for a collection on behalf of XXXX XXXX. They call constantly even after I requested they stop. I have disputed this on my credit reports numerous times with no results. In researching this company they do not have an office in Texas the state where I reside and  are not a registered agent as required by TX Secretary of State and should be removed from all credit reporting agencies immediately.
Consumer complaint received 2018-01-06
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: Experian Information Solutions Inc. (CA)

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 card XXXX XXXX I DO NOT KNOW ANY OF THESE COMPANIES I HAVENT DONE BUSIINESS WITH THEM I MIGHT HAVE BEEN A VICTIM OF IDENTITY THEFT ...
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AL)

I got this card at an XXXX store. I went to go use it and apparently my first payment didn't go through because I typed the checking account information incorrecly. They never emailed/mailed me anything to let me know. When my card was declined I called them and they told me so of course, I paid it immediately. I then asked if they could un block my card and they said it would be 6 months. So I told them I didn't need that because I have amazing credit. I asked them to close the account that same day XX/XX/19. I asked the girl on that conversation and she confirmed my account was paid in full. I asked if I would get anymore bills and she said no. Then when I got another bill in XXXX I emailed them and they said they closed my account on XX/XX/19 but they had added some fee. AFTER I asked the rep and they told me I didn't owe anything! Which means either the girl lied to me or they added it and back dated it once I closed my account. 

Then today on XX/XX/19 I got an alert that my card was attempted to be used in XXXX. These people are liars. How can someone use a closed credit card? How can I make these people GO AWAY??? I attempted to make this right and they just keep making mistakes.
Consumer complaint received 2017-11-30
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.
Consumer complaint received 2021-02-08
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: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I found out I was a victim of identity theft XXXX/XXXX/2020. I contacted the institutions with fraudulent accounts, and the credit bureaus that day. Most have been resolved except HSBC. They told me on XX/XX/XXXX20 that the accounts were closed, but they are still reporting to the credit bureaus that they are open with ever increasing balances. I have call several times, I have provided copies of police reports, the FTC report, etc., but they are dragging this out forever.
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (VA)

Four years ago I co-signed for my grandson to get a student loan. I was told by XXXX that if my grandson made 12 consecutive payments without being late he would be able to release me from the loan. Well I made sure my grandson paid his bill on time so that I could be released. My grandson put in the release form after making the twelfth payment. He received a letter back from XXXX stating his request had been denied.If I had known this would happen, I never would have co-signed. Im sure they want to keep me as a co-signer due to having a credit score of XXXX but that wasnt the deal we made. Can anything be done about this? Theres has to be a law against these companies ripping seniors citizens off.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XXXX, 2018 I requested my credit score with Trans Union and saw that there was information such as an incorrect address on my report. I called Trans Union to ask them to correct the information. Looking at my email, I have been charged {$19.00} for this report. I had requested a credit score for my husband too. He also received an email charging him for the report. We did not authorize these charges. I 've checked my bank account and one of the {$19.00} charges is showing up. I called my bank and had them close my debit card immediately. The bank will not pay since the charge had not been processed. How do I get Trans Union to cease making attempts to charge my checking account? I want to discontinue any contact with them immediately.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

XXXX failed to disclose that after their original denial and ask for additional funds of XXXX, that a new HUD settlement statement was sent offering exactly what they asked. They then took a month to get back and still denied with no additional reason. So to state that they tirelessly worked is an exaggeration and false.
Consumer complaint received 2017-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

Experian drop my credit score by 28 point. Im mortgage company sold my account to another company. Other than one new. Credit card account there 's been no changes. How do my score drop 28 point. I believe this is unfair scoring.
Consumer complaint received 2022-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The merchant : XXXX XXXX XXXX XXXX XXXX This account was an account I held jointly with my former wife, XXXX XXXX XXXX XXXX who is now deceased. She was responsible for maintaining this account for use with her small business. This account should not be on my credit report and I should not be held accountable for the delay in payment. During this time, XXXX XXXX fought XXXX XXXX until her demise on XX/XX/2019 and had difficulty keeping up with tasks such as paying bills and tending to her business.
Consumer complaint received 2015-05-27
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS (TX)

I XXXX XXXX applied for a refinance loan for my home with Embrace Home loans. I was assured my application would pass at least that is what the loan officer told me. I asked before I paid XXXX for an appraisal. The loan officer said, " I do not see why it should not pass ''. So I paid for an appraisal. Also I was told I had a credit score of XXXX and my spouse of XXXX. I received a letter from Embrace denying my application and along with that application was my credit score which read XXXX and spouse was XXXX. Furthermore, the appraisal had errors. XXXX error was the house was built in XX/XX/XXXX but it was actually was built in XX/XX/XXXX. Which concludes appraisal was invalid therefore a refund of the appraisal would be appreciated.
Consumer complaint received 2022-01-06
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)

I am writing this complaint to inform the CFPB, XXXX and Transunion that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and Transunion is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted trans union multiple Times by telephone to request my free credit Report which they confirmed they will mail to Me my postal mail but this has never been received. 

Further they have removed my ability to Manage my security Freeze. 

My last CFPB complaint did not notify me of any response by email and was closed based on a deadline I was unaware of- but it was not resolved. 

I dont see how a company that has significant influence on ones ability to conduct financial transactions can simply not respond and not act when requested to do so. I see where they have been fined by CFPB - XXXX  should prevent them from doing business as they are incapable of Responding and performing the tasks that Federal law requires them to do. 

I am unable to detect fraud on my Transunion Credit Report because although they tell me repeatedly on the phone they will mail it they never do.
Consumer complaint received 2018-01-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Recovery Systems, Ltd (OH)

I received a phone call on my cellular phone on XX/XX/2018 at XXXX XXXX. The caller ID said United States. The number that came up on my caller ID was ( XXXX ) XXXX. Immediately the man whom had a foreign accent started asking me if I was ( MY NAME ). I told him that I was and he began asking me about my social security number.He already knew the last 4 digits of my social security number and read them to me. I then told him that I was not answering any questions because I did not know whom I was speaking with. He answered the " IRS '' He asked me for my current address. He then read my address to me. Again I told him that I was not giving any personal information because I did not know whom I was speaking with. He also has my name and phone number. I was getting very concerned with him having my information and I pushed him again asking who he was. This time he said he was with " NRS '' a debt recovery service. I had a XXXX injury and went through the XXXX XXXX XXXX XXXX XXXX and am now on XXXX. I told the man that it was a violation of my rights for him to pretend to be from the IRS. I told him that his phone ID even came up under United States. I told him that I would report him to the government. I asked him to mail me any requests and not to call me again. He clearly lead me to believe that he was from the IRS. I believe it was intentional because later when he said NRS, I could clearly hear the difference. He is attempting to collect debt information and allowing people to think it is the IRS.
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Immediate Credit Recovery (MA)

Was told entire payoff amount and deadline. 
Sent payment in full. 
Was called back by agency and told i still owed money beyond the payoff. 
That the agreed to amount was not approved Trying to charge me thousands more.