davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

Iwas attending the University XXXX and later stopped attending do to medical reasons. I then returned and recieved my XXXX. I was never given a fair chance to pay back my loan due to the high intrest rates that were not discussed with me upon accepting the loan. I later deffered them and they continued to grow interest. I was forced to go back to school so that I wouldnt gain more fees. Those fees and student loans from over 6 years ago are hurting me financially and the attempt to get a house for my family and I.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CT)

We have been receiving calls from Municipal Services Bureau daily for about two months. The caller ID says Gila Corp. so we are unable to block their calls. The number they say to call is XXXX which we have blocked but continue to receive these calls. The message says they important information and to call XXXX immediately. According to XXXX, Gila Corp. is a debt collection agency.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (VA)

I had a lease with GM Financial for a XXXX XXXX. At the end of the lease term, I worked with my local credit union to get a loan to buy the car. I closed on my auto loan on XX/XX/XXXX. The loan amount was based on the payoff information provided by GM Financial. In XXXX, I received a call from GM Financial advising me that my lease payment was late. When I told them I had purchased the car, they said they did not have that information. I called the dealership who sent GM Financial the check and they show that the check cleared on XX/XX/XXXX. GM Financial reported a late payment to my credit bureau.I have called them multiple times and they refuse to remove the late payment report.Every time I call they act like they have no idea what I'm talking about, why I'm calling. They told me that the dealer needs to send them a copy of the cancelled check ( which they have done ). Nevertheless, GM Financial will not remove the negative report from my credit.
Consumer complaint received 2017-10-05
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (NC)

This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with Credit Acceptance how can I have a missed payment. 
Credit acceptance need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.
Consumer complaint received 2017-10-05
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. (GA)

I sent transunion the proper signed documentation acknowledging there are several inquiries on my report not authorized as well as my social and drivers license. I asked for proper documentation proving I authorized these inquiries as I had not given permission. In response, they ignored my complaint/dispute/request and sent a copy of my credit report.
Consumer complaint received 2017-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bliksum, LLC (CA)

I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. 

Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX
Consumer complaint received 2017-10-04
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 called Experian on three occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only XXXX of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all XXXX of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I been doing everything in my hands to solve the burden of my property for the past XXXX months with my lender. I did applied for a modification, I was denied, I did tried to do a shortsale with the help of a Real Estate Agent, this option was denied, Now I trying to sell the property as a regular sale. but the lender is not whiling to provide me with an extension to complete this process. My XXXX XXXX XXXX XXXX  my XXXX and XXXX of my XXXX, all being XXXX XXXX. This repulsive behavior resulted in criminal charges, I also requested to the court to obtaining a Quit Claim Deed or a Power of Attorney authorized to sell the property, but my XXXX XXXX on title, XXXX XXXX declined the request. Due to the attenuant circumstances my real estate agent requested a petition from the court to obtain a quiet title. This process would take several days or additional weeks. I been in requesting additional time to my lender, without a successful petition.
Consumer complaint received 2017-10-04
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. (NJ)

I called XXXX XXXX on XXXX occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only five of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (MA)

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State MA, Zip CodeXXXX Your Phone Number Your Email XXXX Date XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Debt Collector Abuses and Dispute of Debt by [ Name of Collection Agency ] Dear CFPB, I am writing to file a complaint against [ BARCLAYS BANK DELWARE XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) and to dispute owing any and all debt to them. 

Account Information : Name of Collection Agency : [ BARCLAYS BANK DELWARE, 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 XXXX  XXXX Dispute of Debt : I hereby dispute owing any and all debt to THESE AGENCY ABOVE. I have not received the required validation information mandated by the Fair Debt Collection Practices Act ( FDCPA ) under 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they have already placed a collection notice on my credit report, further violating my rights under 12 CFR 1006.34 ( b ) ( 5 ) ( i ) which grants me the opportunity to dispute the debt before it is reported. 

Additionally, the collection agency has violated my consumer rights by using : False, misleading, or misrepresentation deceptive strategies. Please specify any examples you have of these tactics. 
Furnishing any account information to a consumer reporting agency without proper authorization. 
Requests : Cease all communication : I revoke all rights for AGENCY ABOVE to communicate with me through text messages, emails, phone calls, or letters. 
Debt Validation : I request a debt validation notice in writing, which must include the amount of the debt, the name of the creditor, and a breakdown of charges. 
Purchase Agreement : I request a copy of the purchase agreement between Collection Agency and the original creditor, proving they have the legal right to collect on this debt. 
Proof of License and Bond : I request proof Collection Agencyis licensed and bonded to collect debts in my state. 
CFPB Investigation : I request that the CFPB investigate these allegations and take appropriate action against [ XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. This action may include ordering them to cease their abusive practices, correcting any inaccurate information they have reported, or even fining them for their violations. 
Attached Documentation : I WANT THESE REMOVE OFF MY CREDIT Thank you for your time and attention to this matter. I look forward to your response and a resolution to this problem. 

Sincerely, Your Signature XXXX XXXX XXXX Your Typed Name XXXX XXXX XXXX
Consumer complaint received 2019-03-08
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: EQUIFAX, INC. (CA)

Equifax enclosed is statement of fact, you Equifax has contacted XXXX 20 time for verification { there own omission to CFPB and they verified each time BUT they do not own the account XXXX is owner. XXXX statement enclosed remove from credit report. that is all the evidence need to take this to the next level both XXXX and XXXX made these statement to CFPB on record, Remove the account of I will contact XXXX and XXXX who has a beef with you already, Ill send every document to them XXXX, CFPB OCC FTC ATTNY GEN of CALF and request a investigation on behalf of the american people in to your reporting practice I do have a clear cut case I will present to them please remove account as per request of XXXX do not respond with you templete letter we investigated came back verified because the minute i see that, A package will get mailed to the congress and the house with all documents income and out going Bet XXXX and XXXX would love this
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Rubin & Rothman, LLC (NY)

The filed number with law office of rubin and rothman is XXXX can you plesse let the law office know that i want to do a payment plan i can only pay XXXX a month until the balane is pay off
Consumer complaint received 2023-02-07
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. (GA)

Incorrect information is being reported to my credit profile and I have proceeded with the proper steps to resolve this issue. I need the items removed form my credit report asap.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # s : XXXX and XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WV)

On XX/XX/XXXX over {$3000.00} was taken from my square business banking account by way of ATM transactions. I noticed on the XXXX when I received a text saying a transaction was denied for insufficient funds. I knew I hadn't made a transaction and should have had plenty of money in the account. I immediately filled disputes with square. I was unsure how these ATM transactions could've happened because my card had been in my possession the whole time. I believe my card was skimmed at a gas pump. I filed police reports in my home state and also the city where the incidents occurred. I was told by the police in the city where they occurred that they don't investigate under {$20000.00}. I have called square multiple times, only to be told the disputes were closed, there are no supervisors you can speak to, they'll escalate my case and wait XXXX business days for a response. They continually email me that I need to take it up with the merchant. I have filed a dispute with thXXXX XXXX  and filed a fraud report. I do have receipts for some of the transactions because I have chosen to receive text receipts from XXXX ATMs. Unfortunately I didn't realize what they were until it was too late.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you.
Consumer complaint received 2015-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a {$100.00} balance that was 2 weeks late. 
NOW I have this on my credit report and they REFUSE to help in any way.
Consumer complaint received 2017-10-05
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: EQUIFAX, INC. (MN)

Back in XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus XXXX, XXXX and Equifax as they are violating the law by not notifying me within 5 days.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KCB Credit LLC (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I live in an area affected by hurricane XXXX. I had an open claim for XXXX double billing my account when I had canceled XXXX and switched insurance companies. Bank of America wanted me to complete and affidavit but I was unable to return it due to evacuating XXXX Florida. XXXX they reversed my credit for {$530.00} which overdrew my account. I then called BOA and they sent me the affidavit which I immediately faxed it same day ... I have called BOA 6 times since then in last XXXX weeks. My account is still negative and I do not owe allstate any money. I was out of work and unable to access the little bit of money I had in that account. I even offered to call XXXX on XXXX way and they would n't.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Yours Sincerely XXXX XXXX