davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I have several private student loans with Navient/XXXX. I and my mother have taken steps to arrange payment arrangements several times, but we are constantly being told that our payments were not applied and that the accounts are always past due or nearing default. Speaking with representatives proves to be fruitless and little action is taken to remedy the situation. Information from XXXX phone call is given and then a new representative will follow-up with incomplete information or information that does not match which was previously discussed.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. 

However, the status of my account is still stated as a 'charge off, closed ' and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Discover ), that is reporting it that way. I contacted Discover to change the status but they have refused to comply. 

The original debt was {$7800.00} and the current amount owed is XXXX 

I am requesting that the Status of the account be changed to 'paying as agreed ' and the monthly reporting to read, 'On time '
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: STATE BANK OF INDIA - NEW YORK BRANCH (CA)

Hello Sir/Madam, I am complaining about the www.SBICAL.COM Bank. It is actually State Bank of INDIA ( California ) with head office at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Tel : XXXX. 

I have checking account ending with # XXXX. I have maintained my account from past 5 years. I have checking account and minimum balance is {$250.00} without any fee. I maintained {$250.00} as per requirement So, in XX/XX/XXXX they made my account dormant and applied dormant fee {$2.00} to my account because of no activity on my account from past 2 years. They said that they have sent me a letter in regards of dormant of account which I did not receive it. So, from there on since my minimum balance has fallen down, they have been deducting {$10.00} + {$2.00} every month & up till XX/XX/XXXX, they have deducted {$120.00} so far. 

Since there was no activity on my account, I never bothered to look at my bank statements where it has been constantly deducting {$12.00} every month. At least they should have called me or sent email about my account which they never bothered to do it. 

My question is when they made my account dormant, why r they charging me {$10.00} for minimum balance payment being not maintained? This is very unfair given Covid pandemic, I could not go to bank for more than a year given the health condition and risk factor. 

Bank was un-cooperative when I complained about this unfairness. There have been lot of other banks which gave concession in these Covid situations, but this bank is not helpful to me. They have been simply penalizing me every month.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (PA)

Today made a settlement payment in the amount of {$210.00} to Resurgent / LVNV account # XXXX. 

This settlement payment was made in exchange for deletion of all credit reporting agencies. 

I should not have to wait 30 days for account to get deleted off the credit reporting agencies database. 

Attached is receipt that payment was received by Resurgent / LVNV
Consumer complaint received 2022-08-11
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: Navient Solutions, LLC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : NAVIENT XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts and inquiries listed below are all fraudulent and were opened without my consent and it is against consumer law to report fraudulent information on consumers credit report. 

Fraudulent Accounts TransUnion XXXX XXXX Bank Acct # XXXX Fraudulent Inquiries TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-09
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. (NY)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 
-XXXX  XXXX, Account # XXXX -XXXX XXXX, Account # XXXX -XXXX  XXXX/XXXX, Account XXXX XXXX XXXX, Account # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-14
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. (GA)

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-04-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (PA)

I have sent EQUIFAX a dispute about unauthorized inquiries on my consumer report and they keep saying that they verified that these inquiries were factual but did not provide me with the proof that they are. I do not recognize these inquiries and nor did I authorize the said companies to pull my credit. I contacted the listed companies and they informed me that they were never contacted by EQUIFAX to verify anything and they advised me to file a dispute with EQUIFAX again to have these inquiries removed. I even submitted FTC with my dispute and EQUIFAX has yet to remove these unauthorized inquiries.
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts. 

1 ) Dept of ED/ XXXX  {$11000.00} 2 ) Dept of ED/ XXXX   {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, XXXX XXXX XXXX Definitions : Rules of Construction ( XXXX ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. XXXX Equifax and XXXX is reporting Utilization which is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax XXXX and XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to XXXX XXXX XXXX XXXX Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of 1974. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to Equifax XXXX and XXXX violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc. (CT)

Avant is or was reporting to credit bureaus an amount of around {$6800.00} plus interest accrued on a loan I applied for, did not receive, funds were deposited into an account which is not mine, incorrectly. Avant claims to have charged off the balance after letting interest add up and reporting it for several years to major credit bureaus. It appears Avant used this tactic, letting interest add up and report account to bureaus, as a way to attempt to collect on it.. If charged off, the account needs to be removed from credit bureaus. I have not been able to confirm removal from credit reporting to date, however, as stated in prior CFPB complaint, the loan was applied for electronically and Avant has little to no proof I owe such debt and needs to be removed from credit reporting if in fact reported.. Their rep seems to imply I need to make payments by providing their payment information, in which case, no payments will be made as loan was not received and has been charged off.
Consumer complaint received 2022-12-14
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. (GA)

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc. (FL)

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against National Credit Management for committing identity theft. I have never given National Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Management continues its collection efforts, I will file for litigation for actual damages caused and National Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-02-28
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. (GA)

Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-10
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. (TN)

XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwest Collectors Inc. (IL)

Northwest Collectors Inc. has been calling my job 's main phone number using an automated message divulging information of a debt I supposedly owe for some traffic tickets to the switchboard operator for the company ; who is one of my subordinates ( I have attached the most recent phone recording from this morning ). This has been going on for several weeks. I do n't believe it is appropriate to be calling people 's workplace using an automated system that discloses information that they are a collection company calling about an amount owed for a specific individual.
Consumer complaint received 2016-02-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I opened this account around XXXX 2016. Ever since I have had the account I have had nothing but issues. When I first opened the account, they ended up opening a secondary checking account without my permission. The account I wanted to be open was being activated correctly by Citibank ( Citigroup ). I asked them why are XXXX accounts open with different checking account numbers and they did n't know. So I had them close the other account. For the account I wanted activated it took almost a month to get that activated because they kept sending me the old account signature card information to sign ( this is to open the account ) and the account I wanted to be open they kept saying that they have n't received my fax or mail regarding the signature card to sign. I had a direct deposit in the account so I was n't able to access any of my money. It makes it worst when they do n't have any branches within XXXX miles of XXXX XXXX. The next issue was the debit card. I requested to have a debit card sent, but they ended up sending me a debit card for the closed account. So I had to wait another 14 days just to receive that. The other issue was the starter checks. I asked for starter checks and they sent me the checks. This was probably the only thing they did right, however, they ended up charging me for a full box of checks that I never ordered and never received. I had to argue with the representative just to get the charge taken off. The last straw was today on XXXX/XXXX/2016. I find out my account has been suspended for some reason that no. Of the representatives can explain. They did n't notify me, email, or even text. So I am about to wake up to go shopping and to check my balance only to find out the entire account is shut down. I was very upset and told them to close the account for good. I have had nothing but issues with this bank and the customer service department is so rude. It 's like they want to argue about everything and put the blame on me, when it 's them not doing their job. I went to my other local bank and told them to stop payment on everything and changed my checking account so they would n't have any crazy charges or transfers from my account. Also, another thing that bothered me was that they held transactions for almost two weeks and when something is done processing and closed, they will reopen that transaction a week later just to see if I have a big charge to make things go negative. Well that happen with a check I wrote and the representative told me they would not charge the account a overdraft fee if I deposit money by check. Well I deposited money by check and was still charged a fee. Citibank even created issues with my car rental company. I had paid off the vehicle and they took the {$370.00} out, but they kept saying there was n't any funds in the account but I had {$700.00} dollars. They held that payment for a long time. Worst bank, worst policy, and by far the worst customer service I have ever experienced from any company.
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (WA)

I used my bill pay through my personal Bank to pay my credit card bill. I now have XXXX Citibank credit cards because Costco used to require that you use a Costco XXXX card, but they automatically switched those card users to a new account with Costco Citibank, when their contract with XXXX was n't renewed. 
The start of this problem was actually my mistake- I made a payment of XXXX to " citi cards '' ( because that 's how is shows up in bill pay through my bank ) on XX/XX/2016. I did n't realize, though that I had selected the wrong citi cards ( since I now have XXXX ), I wanted it to go to my citicard through XXXX - not the Costco citicard. 
I realized this on XX/XX/2016 when I got a notification from my Citibank mastercard, that no payment was received, and immediately called the number on the back of the costco card, that should n't have received that payment. Since I owed almost nothing on the costco account ( around {$100.00} ) my balance is currently a credit of over {$3000.00}. 
I explained my situationon that day, and was transferred to a lady in their financial department. She tried to directly transfer the money from my Citibank Costco card to my Citibank master card, but unfortunately it did n't work. She then took my bank information and explained that it would take 3-5 business days to transfer the funds, but the 5 business days came and went and the money was still sitting in the Costco Citibank account. I have called twice since then, to check the status, and each time the person who answers the phone acknowledges that a refund request has been submitted but it has n't been completed yet, and to call back in a couple of business days,
Consumer complaint received 2022-01-06
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. (MD)

I am filing this complaint because EQUIFAX, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.