davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a member of navy federal credit union and had a checking and savings account with them. They closed my savings account for some odd reason when I had {$5.00} in it to keep it open till I got paid, unfortunately they closed it and now they won't let me open an account till I pay a charged off account which was my checking account. They had no reason to close my savings, I've always had a savings with them and would always deposit cash into my account. Now everywhere I try to open a bank account I get denied instantly.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Razor Capital, LLC (MI)

I 'm being sued by a predatory debt collector .they claim to have purchased a debt that they say is mine. They claimed to have purchased debt in XX/XX/2016 and are suing me as of XX/XX/<YYYY> XXXX. I never had this debt, it has never appeared on my credit report before.the dates they give place me living with my parents at the time and I did n't have a utility bill in my name while living with them
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Navient holds loans in XXXX separate accounts and will not consolidate to XXXX account so that I am paying one APR on the full amount. The APR stands at around 23 %. Most of the payment goes towards the inflated interest first and is not paying the main part of the loan.
Consumer complaint received 2022-02-11
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-03-30
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. (NC)

There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted XXXX XXXX and Equifax to dispute these items and give them my updated address and they hang up on me
Consumer complaint received 2015-05-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FirstPoint Collection Resources (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (AR)

On XXXX XXXX, 2017, I applied for a checking account from BBVA Compass because of an offer they had where you would get a {$200.00} bonus after opening a checking account and getting a {$300.00} direct deposit. BBVA sent me an email saying that my account was under review and I would be called soon. I was never called, and despite me calling and emailing them numerous times over the next two weeks it wasn't until XX/XX/XXXX that I was told my account wasn't under review any more and I was able to sign in. 

I met all the requirements for the {$200.00} bonus -- I read all the fine print, and did exactly what I needed to do. I never got it. I've called them several times and messaged them on the website several times and gotten the runaround, and repeated refusals to help because " the promotion expired on the XXXX and your account was opened on the XXXX ''. They obviously just delayed the official account opening date so they could cheat me out of the {$200.00}.
Consumer complaint received 2016-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MS)

I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding LLC is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Midland Funding LLC did not report the deletion of the account to XXXX or XXXX, the other consumer reporting agencies that it reported the account to. Midland continues to update the account with negative information on XXXX and XXXX inspite of XXXX XXXX 's notification of deletion. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.
Consumer complaint received 2018-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

ii just saw that someone tryed to open a card with capitalone XXXX XXXX card that wasnt me for sure, I already have a capital one platimum please remove this hard inquiry
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

THE CREDIT REPORTING CONFIRMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. I SPOKE WITH XXXX FROM EQUIFAX ON XXXX/XXXX/2015 AND XXXX AND SHE VERIFIED THAT THE ACCOUNT # XXXX WITH XXXX XXXX XXXX XXXX HAS BEEN DELETED FROM MY CREDIT REPORT, BUT SHE DID NOT SHOW A SPECIFIC DATE OF DELETION. SHE STATED THAT SHE DOES NOT HAVE A SPECIFIC DATE FOR DELETION, BECAUSE IT HAS ALREADY BEEN DELETED. WHEN I VIEWED MY CREDIT REPORT, I NOTICE THAT THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT AND I NEED FOR EQUIFAX TO SEND ME A NEW CREDIT REPORT WITH THE ACCOUNT # XXXX SHOWING DELETED FROM MY CREDIT REPORT. IT IS NOT RIGHT THAT THIS COMPANY CONTINUES TO REPORT INCORRECT INFORMATION TO MY CREDIT REPORT WITH CONTINUES TO DRIVED DOWN MY SCORE AND DAFAME MY CHARACTER HAS A RESPONSIBLE INDIVIDUAL. IT IS THEIR DUTY TO PROTECT CONSUMERS, AND I DO N'T FEEL AS THOUGH I AM RECEIVING THAT PROTECTION.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (FL)

In the mail today, Thursday, XXXX, XXXX, XXXX, received a validation letter, no date indicated, regarding an account that was incorporated in a Chapter XXXX Bankruptcy filing back in XXXX, XXXX XXXX Florida, and subsequently discharged the same year of XXXX. 
The amount indicated {$5300.00}
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2017-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I have a loan with one main financial.they call here 5-6 times a day and even on sats.what happened was back in XXXX I needed a loan to get my vehicle fixed for inspection.they told me I could get {$500.00} loan if my wife cosigned. it did n't happen after running to the banks and XXXX to get sattements. I had been paying {$230.00} a month be fore that, only about {$100.00} was going on the loan the rest was interest.so I borrowed the money from realitives to get it inspected.i told them ( one main ) I would n't be able to make a paqyment for 2 months because I had to pay my realitives back.that would of been XXXX only the car broke down again I needed a coil it cost over {$150.00} to get it towed and fixed. so XXXX came by, was going to make a payment. but they call here fromXXXX, 5-6 times per day .I asked them to stop and sent them letters did no good.so now were are in XXXX I sent them a check for {$20.00} and told them to stop calling and I d start to pay them that did no good either.so XXXX the stsrter went out there was another {$150.00} bill towing to garage and fixing. itsw a XXXX XXXX and I ve had a lot of problems with it lately, its XXXX XXXX XXXX. any how they call 5-6 times a day XXXX asked them to stop that does no good and I told them in a letter if they keep calling I wont pay them anything.and on sat. they called twice.XXXX.if theyd stop calling me XXXX d start to pay them again iwas paying them {$230.00} a month that 's {$2700.00} a year and onl ; y {$1200.00} went towards the loan.and they could n't give me {$500.00} loan it really ticked me off. I am XXXX and on XXXX XXXX.and tired of this XXXX.plus they changed my loan date when I asked them not 2. so they really got me going.i ve had an account with them for years.i d like them to sue me in court so I could tell my story so other people borrowing from them know wht they do.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MA)

I was using the Equifax website to perform a temporary lift on my frozen credit. After filling out the required information and submitting it, the company 's site timed out while processing my credit card information for their required XXXX dollar fee. I then used their customer service line to check if the temporary lift had gone through. The customer service rep, who said her name was XXXX, told me that the temporary lift had gone through but that I had submitted multiple times ( she later said 2 or 3 ) and, thus, I had been charged multiple times for that XXXX temporary lift request. I had only submitted the info once before their system went down. Thus, they have overcharged me because of a problem with their online system. No one there at the Equifax customer service could refund me the charges made in error by their organization. I now have to submit documentation of the billing charges and give reasons as to why they should refund me the charges they erroneously made even though they already confirmed the multiple charges. Further, they only accept a faxed letter as there is no physical address or email address for their refund department. Needless to say, I am irate at this company for a poor website that overcharged me, customer service which can not help me, and a refund process that is set up to disincentive anyone attempting to get a refund of money that they are owed!
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Express Recovery Services, Inc. (UT)

I have been a victim of identity theft have tried disputing this multiple times with this agency and they fail to provide any resolution. My last attempt i asked multiple times for a timeline for a dispute and they stated they dont have one since i wont let them call my cell. The tactics are very harrasing and they seem unwilling to work with a consumer where these items are a clear indication of fraud.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (NC)

Exterer Financial called stated they will be sale my vehicle never received any documents they reported a balance of XXXX dollars on my credit report ask them to provide documentation Report it the the credit bureau to investigate the credit update and have them to provide documents. No documents but still reporting to my credit report
Consumer complaint received 2020-10-18
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: DISCOVER BANK (CA)

An account was opened with the creditor on XXXX/XXXX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, Discover Financial Services has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.
Consumer complaint received 2015-07-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I have a debit card from XXXX expiring in XXXX 2016. XXXX transfers funds to the account in exchange for XXXX. My account has been closed even though a positive balance remains, so I can not access the funds. In the meantime, I am being penalized $ XXXX for inactivity. I have called the customer service number on the back of the card ( XXXX-apparently a foreign call center, possibly XXXX ) in XX/XX/XXXX and XX/XX/XXXX, each time being told to call back in " 3-5 business days '' when there has been a resolution. I have also called the Cardholder Services number on my last saved statement ( XXXX ) which is a number no longer in use. ( see attached document ). 

I have also emailed a customer service agent ( XXXXXXXXXXXX ) and been told to call the customer service number again. I inquired with the agent about receiving a check to close the account to which the reply was " This card program does not offer check refunds. You will need to use the remaining balance off the card. The XXXX XXXX XXXX can be used anywhere that XXXX is accepted worldwide. '' But the problem is that I can not access the funds because the account has been closed ( I can not access funds from an ATM ). 

Yesterday, I tried to log in to my account online and my access has been cut off. Today I tried to login again and the website now says " Temporarily Unavailable. We are temporarily unable to process your request. Please try again later, or call Customer Service if you require immediate assistance. " Since there is a XXXX XXXX logo on the card, I called XXXX member services and they claim that they are not affiliated with the card and can not help. They suggested I call XXXX XXXX XXXX, which I did, but they are not effectively able to reach anyone who can help either. 

I researched the email address from the agent ( XXXXXXXXXXXX ) and located a XXXX Corporate Headquarters*, XXXX XXXX XXXX XXXX XXXX , Florida XXXX, Phone : XXXX, Fax : XXXX ( XXXX ). Conveniently, the XXXX website " Contact Us '' link is not functioning ( XXXX ). I called that number today and through an automated cue asked for XXXX XXXX XXXX, who I found online as the XXXX legal counsel. A secretary answered and after a brief polite explanation of my issue was forwarded to XXXX XXXX. There was no answer so I left a message. 

I am extremely distraught at my treatment and inability to access the funds in my account as well as being continually penalized for not taking the funds out. I have now wasted 5-8 hours of time trying to chase down someone who can help me. I assume that there are others out there having similar difficulties but who do n't have the resources, time, or persistence to search for a resolution. If the company brushes all of us off long enough, they will eventually assess fees to make the accounts go to XXXX. Would this constitute a class action lawsuit situation?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these accounts ( 1 ). ( A ). I'm confident the contested accounts are settled. XXXX XXXX Balance Owed : {$41.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Consumer complaint received 2017-10-08
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: Avid Acceptance, LLC (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2017 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, 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.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IA)

XXXX   XXXX   XXXX    XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX, XX/XX/2023
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

My account was credited XXXX $ and that got sent to 2 different people I was scammed into being a money mule and Ive tried to contact chase and work out what I could do and they just say they dont see anything but I get letters from J.P. Morgan and on my app saying that they are requesting the XXXX $ back I dont have and Im in the military and joined account with my dad I have all the information of the other person that I need
Consumer complaint received 2017-05-23
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. (FL)

I recently submitted a dispute package to Experian. This package contained proof of my identity and current information -- along with letters and proof of identity theft ( affidavit and police report ). The investigation was completed however not all of the accounts that were  opened as a result of the ID theft have been removed, nor was provided with any debt validation information ( 15 U.S. Code 1692g -   Validation of debts ) or proof. The following accounts need to be removed from credit report :  XXXX   XXXX  {$3700.00},  XXXX  {$3000.00},  XXXX  {$3000.00},  XXXX   XXXX  {$1600.00},  XXXX    XXXX   XXXX    {$20000.00},  XXXX  {$790.00}.