davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2015-10-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: National Home Buyer’s Alliance (TX)

NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.
Consumer complaint received 2021-07-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Hi XXXX  has shop around my credit report to five different banks without my approval. This happened on XX/XX/XXXX, XXXX.In addition, I have try to resolved the problem by sending letters but receive no correction to the matter. I'm sending two different screenshots from bureaus ... XXXX  has 5 inquiries and 6 on XXXX  report.
Consumer complaint received 2018-02-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc. (CA)

XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX  ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (TX)

They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. 
so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. 
I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are reporting {$660.00} on my credit file.
Consumer complaint received 2021-02-27
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: ALLY FINANCIAL INC. (IL)

There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's XXXX  days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.
Consumer complaint received 2018-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (IN)

I was charged a interest rate of 39 % .. I do not believe my credit constituted such a high credit score.. I was sold XXXX insurance when I was already XXXX. The checks to the insurance companies were signed before the loan documents. I was not told it was voluntary because the checks had already been cut to the insurance companies and I was not even asked if I wanted yet.. I was told I had to give my consent to withdrawal payments from my account and later found out it is illegal to make that a condition of the loan. I believe XXXX XXXX violated the EOCA of XX/XX/1989 by charging me a int rest rate that was discriminatory. I am on XXXX for XXXX XXXX and I take m di cations to XXXX me. Including XXXX and XXXX medication. I could not keep up with the salesman who was rushing through the paper work.. So I'm not sure what I was signing.. I believe I was taken advantage of by XXXX XXXX Because of my deminished capacity to understand the seriousness of what I was tricked into signing..
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Illinois Collection Service, Inc. (IL)

Illinois collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Has called my place of Employment. This company illegally contacted my employment. I never received a call on my personal phone or had any mail sent to my home. I never had a chance to dispute or had written notification of this debt. I have witnesses who received call at my employment and took messages, this is the only way I was able to get a phone number of XXXX and a name of XXXX XXXX. I called and verbally informed her to not call my employer again as I have been warned and fired for personal calls. asked this service agent to send verification of debt to thru postal mail.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA (KS)

Failed Bank Information for The XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX On XX/XX/XXXX, The XXXX XXXX XXXX  XXXX XXXX was closed by the Office of the Comptroller of the Currency. The FDIC was named XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX acquired all deposit accounts. 
The FDIC as Receiver for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  has taken all actions necessary to terminate the Receivership Estate. The Receiver published a legal notice of intent to terminate the receivership on XX/XX/XXXX and has made all dividend distributions required by law. 
Effective XX/XX/XXXX, the Receiver was discharged and the Receivership Estate was terminated and ceased existence as a legal entity. 
Feds close XXXX XXXX XXXX  XXXX XXXX ; XXXX takes over XXXX XXXX XXXX is the 19th-largest bank in the XXXX XXXX area based on market share of deposits. It has {$2.00} XXXX in assets. 

Founded in XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX was the first nationally chartered bank established in XXXX   County. Led by CEO XXXX XXXX, it passed {$1.00} XXXX in assets in XX/XX/XXXX. However, the bank hasnt been able to maintain the minimum capital reserve required by regulators since the second quarter of XX/XX/XXXX. The Office of the Comptroller of the Currency officially declared the bank in troubled condition in XX/XX/XXXX.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (PA)

On or about XX/XX/XXXX I signed up for XXXX XXXX home internet service. This offer was for a 30 day free trial of the XXXX internet service. It reportedly included free installation and ability to cancel within 30 days without obligation. The service started on XX/XX/XXXX, but I could not use it until the XXXX or XXXX due to faulty wiring. An installer came and fixed a problem with the wiring and I used the service for 2-3 days. On the XXXX of XXXX I called XXXX and canceled the service because the internet was too slow ( took 2-3 minutes to load my email browser, unable to stream data ). The representative canceled my service and sent out a return kit for me to return the XXXX modem that they had provided for the service. I received the return kit on the XXXX of XXXX and sent it back to XXXX on or about the XXXX of XXXX. ( They give you 30 days to return it ) In the middle of XXXX, I received a bill from XXXX for XXXX XXXX This bill included charges for the prorated service from XX/XX/XXXX to XX/XX/XXXX as well as XXXX $ for Modem/Router combo. I Called XXXX and told them that I had returned the router and it needed to be removed from the bill. The representative told me that " Don't worry, that's not your final bill, once the modem is received in the 'system ' they will issue a new bill with an adjustment. '' In XXXX I received the same bill from XXXX, I called and spoke to multiple people from their company trying to resolve this issue, they kept telling me that " it's a valid charge. '' I told them that I would not pay for a router I had returned to them. In XXXX I called again ( unknown day ) and spoke to more people, again I was told the same thing. I even asked to speak to a manager and got nowhere. I even had to ask several times for " someone who speaks my language '' because most of the reps had thick XXXX accents and I could not understand them at all. I decided to not pay them at all, and on XX/XX/XXXX I received an email from XXXX XXXX ( a debt collector ) on behalf of XXXX trying to collect the debt. I called and told them that the debt is not valid and they told me to send them a written rebuttal. I will not do this because they will simply tell XXXX my side and XXXX will say " It's a valid debt '' I'm frustrated and tired of dealing with this company that I had services from for just 6 days
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (MD)

ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2023-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OR)

I spoke to Navent about 6 months ago telling them I was approved for loan forgiveness in 2 ways, ssi and the loan forgiveness program that is pending with the government. My loans are over 20 years old I have been XXXX for all of those years and was finally granted ssi last year. I have been dealing with harassing calls all this time. It's not like the company calls and leaves a message, no they call at XXXX and then XXXX and then XXXX  and so on, then if you don't call them back they call your elderly parents harassing them making them worry there is something wrong, calling me in a panic. I don't want a call ever again from them! I shake when they pop up on my screen. I have nothing to give them, I never have!! They need to chill and wait for the government to dismiss it, it's not my problem anymore when 2 different government agencies say it's not. Call after call just to put my account in good standing for 30 days what a joke! I told them to stop calling me. The last man I spoke to telling this to assured me I wouldn't get anymore calls. 6 months later here we are 3 calls by them before XXXX. That is NOT OK. I have XXXX and other mental health issues and all they do is trigger me into rage. They say there no way to stop the calls... .they have called me 25 times since decmber, 3 of them today. I can't do this any more... I'm sick from it I'm shaking, I can't. Please help me. ( For proof on how bad they trigger me, please pull their recorded audio from today 's " conversation '', XXXX XXXX. I'm not in the right but I just can't anymore ) I'm physically, mentally and visual affected by them.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on Equifax XXXX This account is not FCRA compliant and should be deleted immediately.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Someone walked into a Citibank branch office in XXXX XXXX, FL and withdrew money from my account. I live in XXXX. Its been over 30 days and Citi can give me no info on the progress of their investigation and the money has not been credited back to my account. I signed and hand delivered the return to the bank as well as faxed it back and mailed a copy back. Still no solution.
Consumer complaint received 2020-04-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Your complaint on XX/XX/2020, I sent a third party debt validation letter to Portfolio Recovery Associates, requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), Portfolio Recovery Associates, has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
Consumer complaint received 2018-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I currently have two private loans with Navient. The first loan was taken in the amount of {$15000.00} and is now after interest {$28000.00}. The second loan I took was in the amount of {$12000.00} and is now {$22000.00}. My total loan balance has nearly doubled and now {$50000.00} and growing when my original loan balance was {$28000.00}. I have been on the payment reduction plan because the normal monthly payments they expect me to make are truly unrealistic and impossible for me based on my income. I have made my best attempt at making every payment in the payment reduction program however the balance continues to grow because those payments I am making are simply going to growing interest. At this rate I will never be able to pay off these loans and simply do not know what to do. I believe I was deceived by XXXX XXXX when I took these loans and had I known what I would be going through now I simply would have never taken private loans in the first place!
Consumer complaint received 2020-07-15
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. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX  ACCOUNT OPENED XX/XX/2015 {$11000.00}
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I notified I C systems asking them to validate this debt and provide documents thew meet the legal requirement. I contacted both IC systems and all three credit reporting agencies to have this issue rectified but to no avail. I'm asking the agency to help me with this matter. 

I would greatly appreciate the assistance. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have ben able to get access to my credit report and neither do some lenders. I have repeatedly contacted Equifax and received different responses regarding the issue. I was told by an agent that I needed to verify my infos by sending some items. I have faxed my informations several times. Depending on which agents you get some say that the informations were received and some say it wasn't. 
I I file complaint with the GA attorney general and the company responded that some of the documents weren't readable. That's contrary to the information that I received from a supervisor who confirmed that all the verification were complete and that it should takes 24-48 hr for the system to update and allow me and lenders to have access to my report. 
For a brief period, some lenders were able to have access to my credit file and some weren't while I am still not able to access ny account. 
On XX/XX/XXXX I spoke with rep XXXX who again confirmed receiving all the required documents on XX/XX/XXXX and that everything looks good on the system. she wasn't sure what the issue may be but decided to escalate the issue so it could get resolved asap. report XXXX Spoke with another agent on XX/XX/XXXX which agent told me that the issue might be due to a down system. report XXXX. The agent also told me that I need to get core credit from Equifax ( free services ) and that should resolve the issue. I am unable to get core care. 
I am recently applied for a mortgage and is unable to close on the loan due to the inability of lenders to access my file. I am in a position where I can loose my earnest money deposit and be forced to renew my rental lease. both situation would cause hardship to me and my family.
Consumer complaint received 2018-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have student loans with Navient and I have not been able to make payments that are affordable. As a result they keep throwing me into forbearance as an option and the loan and finance penalties have ballooned to {$120000.00}. I am scared I will never be able to pay it off.
Consumer complaint received 2023-02-07
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. (HI)

First & Foremost I Would Like To Thank You In Advance For All You Guys Do To Help Consumers. I Will Be Your Biggest Advocate & Champion To Keep You Guys Strong & Going Have Even more Power To Flex At The Corporations Etc That Need To Be Checked From Time To Time & Always Have The Power To Protect The Consumer To The Highest Degree. I Look Forward To My Issue Being Resolved & Quickly. Sincerely XXXX XXXX XXXX May You All At The CFPB Be Blessed & XXXX From XXXX. 

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX XXXX 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 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 XXXX XXXX XXXXXXXX, XXXX Originals # 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, 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  15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of 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 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Case # XXXX Records