davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

About a month and a half ago ( so on XX/XX/XXXX ) I had called Naviet because has two issues. One needed to get my payments lowered ( which are at XXXX a month ) and also to get my co-signer off the loan. As Im telling him I am struggling and can not make the payment but will be able to make a lower payment. He ( I can not remember his name ) said that there werent any other options for me at this time and there is no way to get the co-signer off. He said the only way is to payback the full amount and get it through the bank. Im a XXXX XXXX XXXX with no collateral, so that is out of the picture. After telling the young man my struggle and troubles Ive had with keeping up with this payment, that Im not able to even get grocerys or little household items ( for I was trying to live on my own ). I was crying on the phone and again telling him I just cant make the payment, he says at the end Im really sorry to hear that XXXX but there really isnt anything we can do at this moment, but I do see that you have a bill coming up this month how would you like to take care of that today! So not only did he not really listen to what I had to say, he Had the audacity to ask me to make a payment. 

Now I live back at my parents working two jobs and still can barley save enough money to get a place. I really dont want to live back at my parents for ever but will this payment of XXXX I cant have any other payments unless I work to death. All I ask is that I can get help with my payments or my interest on my loans to go down for I have 5 loans each at XXXX %. They also said that I couldnt get help with lowering my interest either. I know there is a way to get my co-signer off because they go off how much he makes not me.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Hunter Warfield is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Hunter Warfield has failed toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. Hunter Warfield has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my XXXX   credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of attachment titled " XXXX '' ) I am requesting that the account is deleted immediately
Consumer complaint received 2018-07-30
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: CITIBANK, N.A. (MT)

On XX/XX/2018 we immediately noticed a fraudulent {$1200.00} charge on our Citibank Credit Card. Because it was late on a Saturday night, we went on line and marked it as fraudulent and were informed that new cards would be mailed to us. I called back on the XXXX because the charge now showed up on our new card. I was told not to worry, that the charge would be gone in 5-7 days. I called back on the XXXX, 8 business days after the first call. I was told that the call on the XXXX didnt report anything as fraudulent and that she would take care of it and it would be gone within 5-7 days. 

I called again on the XXXX ... over 21 days since the original fraudulent report. I was told, again, that it was not in the record and being reported as fraudulent. This time I was transferred to Security & Investigations. He asked me where I kept our cards, did anyone else have access, did I file a police report and did I call the number on the charge to see why they had charged us. We do not have a XXXX account and we have never received personal services from Miss XXXX XXXX so I said NO!! I was then told that each fraudulent transaction is put into a que and handled from there and that it could takes 10-12 days ( business days ) to investigate and then another 5-7 days for the charge to actually be reversed. He apologized that I was not told this on my 3 previous contacts and that they would report my discontent with their process. Yah right! 

Well see. My main concern is that this charge was allowed to remain on our account and is part of the balance due right now. I was told to just subtract the amount from my payment, but I am very skeptical that I wont be charged interest and/or penalty for not paying the correct amount. 

This was incredibly frustrating
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (AZ)

This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX  Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-01-18
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. (NY)

i have an account on my credit report from the creditor XXXX XXXX that is reporting as CHARGED OFF with random months showing '' payed as agreed " in its payment history. 
I DID NOT OPEN THIS ACCOUNT, and I DID NOT MAKE ANY CHARGES ON THIS ACCOUNT. 
i was told by an experian rep that i can not be assisted with this, and there is nothing i could do! 
this account needs to be blocked from ALL REPORTS ASSOCIATED WITH MY IDENTITY asap!
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

After chapter XXXX  filing was completed, I opened a new credit card with XXXX XXXX XXXX. I used it for a couple of month, but I decided to close this account since their customer service quality is too low and payment system was very inconvenience. 
I closed it on XXXX, 2019, but I found they put incorrect information on my credit report as " discharged from chapter XXXX filing '' It is non-sense because this account was opened after my bankruptcy. 
I had tried twice to correct this information thru Experian dispute, but it still remained on my report. 

Please help me out to remove the incorrect status for this closed account asap.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IA)

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation. 

I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information. 

Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (AZ)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

At the end of year XXXX I did summit a dispute to reinvestigate with the XXXX credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX Transunion report XXXX XXXX, XXXX on XXXX and XXXX on time. XXXX report account on time on months XXXX, XXXX and XXXX when XXXX and Transunion reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between XXXX credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Consumer complaint received 2022-05-02
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: NAVY FEDERAL CREDIT UNION (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct. # XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

Back in XXXX of 2017 I disputed a debt with Diversified Consultants. I wrote a letter asking for verification bc I have no knowledge of this debt. Diversified Consultants deleted the debt on XX/XX/2017. Diversified Consultants has placed the debt back on my consumer file and also reaged the debt stating it opened on XX/XX/2017. 
This company is deliberately commiting fraud and trying to collect on a debt that they clearly do NOT own, and then reaged the same debt that they could not verify back in XXXX of last year. All violations of the FDCRA.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NV)

I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.
Consumer complaint received 2023-01-03
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. (DE)

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 XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-01-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Radius Global Solutions LLC (TN)

I have sent do not contact me letters. 
I refused mail. 
This also looks to be old. 
I do not know Radius Global Solutions LLC. 
I also DO NOT OWE THEM ANYTHING. 
They also DO NOT EVEN HAVE THE CORRECT NAME.
Consumer complaint received 2023-04-06
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. (NJ)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} AMERIFINANCIAL SOLUTIO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$810.00} DEPTEDXXXX  XXXX Balance : {$0.00} U S DEPT OF ED/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible. In case you hold the belief that the contested items are rightfully mine, I request that you furnish me with copies of the supporting documents for your claims. If no such documents exist, it is imperative that you promptly remove the fraudulent items.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

This is regarding the Goldman Sachs Apple Credit Card. 

Apple/GS released this card to the public without making it abundantly clear that account activity would not be reported to any credit bureaus.

It took them 4-5 months to just report general account info to XXXX. They currently have no plans to include any of the other credit bureaus. They are instructing customer service representatives to tell customers that they may potentially report to the other bureaus in the future but have no plans currently. Any deeper inquiry gets shutdown immediately with clearly canned responses.

The entire experience made me very uncomfortable, I probably would not have opened the account if I new this at the point of application, and I am fairly sure it was not included in the account agreement, which they may have updated after the fact.

Apple/GS is not following standard industry practices, is being very guarded and unclear with their customers, and has zero plan to fix the issue. 

I am worried about the popularity of this card - think of younger generations who can do whatever they want with this card without any impact to their overall credit score?

This is unacceptable behavior from two very reputable companies, I think it is unfair to consumers and should be addressed immediately, not in the next 3 years. I challenge the CFPB to hold these Goliaths accountable.

Thank you for the attention and time to this matter.
Consumer complaint received 2021-08-13
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. (PA)

I was traveling somewhere in XXXX of this year and had stepped in a local branch to get some information on how I can prepay my account so I dont end up getting any late fees or reporting on my credit report. One of the team members told me I could prepay the account so I dont have to worry about late fees or negative reporting. long story short, I got a late fee plus nagative reporting even though I prepaid the account. I need the negative reporting be removed off my credit report as I was given the wrong information.
Consumer complaint received 2020-01-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cottonwood Financial Ltd. (SC)

In XX/XX/XXXXthrough the present I have received countless calls from multiple collection agencies regarding a loan with The Cash Store in XXXX Co Utah. I have never been to Utah or had business with a Cash Store. I filed a police report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After much harassment and multiple attempts at providing letters from Consumer Affairs, Police Reports etc in XX/XX/XXXX, the loan was removed from my credit report. However, the collection companies change hands and start over a year later, over and over. i.e. XXXX XXXX, XXXX XXXX, and XXXX. XXXX is the most current and most rude with threats of Arrest, Court, Legal Summons, fowl language and dozens of calls to my work number. 
My credit has always been perfect and I am a 38 year military veteran with a security clearance. The collections have destroyed my Credit, ruined my life and caused me to lose my security clearance and job.

I want this to end and would like for these companies to be punished and compensate me for over 8 years of abuse, and to stop passing this loan from one collection company to another.
Consumer complaint received 2018-03-09
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. (MD)

I sent my first dispute to transunion in Mid XXXX along with proper documentation supporting the correct balance of my XXXX XXXX account has been paid and has a zero balance. Transunion sent me my investigation results showing my balance is zero with file number XXXX on XX/XX/XXXX then on XX/XX/XXXX they put the balance back at XXXX for this XXXX account. I keep going back and forth with them and nothing is being resolved. I do not have this issue with XXXX or XXXX, transunion is the only credit bureau failing to report the correct information.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Back in XXXX I found out by the FBI my SSN was used in filing online taxes, I don't file taxes since i am on SSI disability. So I had to file police report fingerprinting and photo taking to verify who I am. I send all three credit bureaus the police report and all the paperwork on the identity theft so they could put it on my credit to protect me from any more problems. Then Equifax because breech and my identity was stolen again and now I have so many hard inquiries on my credit report it is killing my credit scores. I am getting phone calls and text messages and emails from loan companies and car loans, and I have not sign up with them at all. I have told all of them to leave me alone. It was not me filling out the forms on their websites, I have explain to them my identity was stolen but they are not listening to me. Here are some of the companies that are on my credit that I want removed and stop looking at my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these companies did not have my permission to run my credit or did I go on their website to file there forms out. I am tried of people ruining my credit.