davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (DC)

I would like to receive my payment history ( date and amount ) from XX/XX/XXXX - XX/XX/XXXX from Navient. <P/>On XX/XX/XXXX at roughly XXXX EST I spoke with XXXX and I was told this information is not available to me.
Consumer complaint received 2022-08-12
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: Bread Financial Holdings, Inc. (CA)

My identity was stolen since XX/XX/XXXX while I was stationed in XXXX XXXX in the XXXX. I left to XXXX XXXX back in XX/XX/XXXX with a credit score of XXXX. Multiple inquires and multiple credit cards ( XX/XX/XXXX ) were opened without my knowledge or approval due to someone acquiring my information. I had to find out 2 months just before I started to leave XXXX to go back to the USA that my Identity has been stolen and I can no longer purchase a house. These companies did not take time to verify or inform me that inquires were made and also credit cards were created. I'm now transferring bases and I have to deal with the headache of my credit score being so low that I can not purchase a home to live in while I work for the XXXX in XXXX. The actions of these companies and the person that stole my identity has destroyed my way of living and I am now in fear of my mental health. I have served a total of 10 years so far for the USA and I am now a victim of identity theft because credit card companies could not verify and give out my information and approve cards without confirmation. The credit companies listed helped destroy my credit and are responsible for my poor credit. 

COMENITYBANK/XXXX COMENITYBANK/KAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-04
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TN)

These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis Nexis is reporting a bankruptcy to XXXX, XXXX  and XXXX that has not been properly verified and is unverifiable. Ive contacted the Bankruptcy court in which the agencies state LexisNexis reports to these information from and was advise information can only be verified via PACER system. 

Ive made two attempts to resolve this issue directly with LexisNexis and they continue to violate my rights by not deleting the information in which they are unable to verify or provide me with the step by step method of who and how the information was verified. In fact on my last attempt to resolve the issue with them they have violated another consumer right by failing to respond with a 30 day period. 

I asked for your help to get a resolution within the next 15 days as they report of unverified information is cause harm to my ability for credit.
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people. Please I want to get this solved asap.
Consumer complaint received 2019-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.
Consumer complaint received 2021-09-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc. (CA)

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, So called " Creditor '' FCRA Section 611 Part ( A ) ( 1 ) have failed to respond to written validation of no debts and liens. According to UCC California there are no liens on my name or property. After this company contracted with XXXX XXXX, they have in fact stolen my private vessel. Have notified said companies of a cease and desist FDCPA Section 805 ( c ), I have asked in administrative process, to proof said claims FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, still nothing after months. Fraudulent merchant claims of property that has been paid. Willful intent of harm, injury, false facts, defaming of character, my credit report as a consumer of heaven, and causing intentional emotions distress. Also under Under 15 USC 1681b - Permissible purposes of consumer reports, CONSUMER PORTFOLIO SERVICES never gave XXXX written consent to report anything on my report. This is in fact IDENTITY THEFT. I would like my property back and response and remedy from company.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is 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 is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

This is related to the Equifax breach. I expect to be protected to the fullest extent of the law and compensated for the full amount of any unauthorized use of my personal identity.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NC)

This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.
Consumer complaint received 2019-11-09
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: EQUIFAX, INC. (MN)

EQUIFAX I'm filing this complaint via the CFPB on XX/XX/19 you sent a letter stating that you had completed an investigation on the Following account and the status was Verified and reporting correctly. So I want to Move forward with your Method of verification I want you to send me what Information you sent to the the creditors and what Information did they provide you back also the name and Phone number of who you spoke with because these accounts are not reporting correctly on my credit file. I will also need for you to send this information By the CFBP Website an EQUIFAXI don't want any small talk I want PHYSICAL PROOF the ftc website stated that you have 15 days to complete this request.. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ONLY SEND YOUR INVESIGATION DOCS VIA THE CFPB WEBSITE SITE
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

Americollect Inc has reported an alleged debt in the amount of {$460.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Americollect Inc obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Americollct Inc on XX/XX/2021 and I await a response.
Consumer complaint received 2021-09-19
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. (TX)

SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (TN)

I have an account with SunTrust Bank, my debut card was limited and unable to use it ; Ive tried to reach out to SunTrust to my account status, On XX/XX/XXXX I made a deposit of a check from my own account at another bank into my SunTrust account ; my bank on the other end decided not to honor my single party check. On XX/XX/XXXX my debit card was restricted and the funds in all of my accounts were placed on hold. As of XX/XX/XXXX SunTrust still can not tell me what they will be doing. The funds in my checking account are so rightfully mine and I have no debts to Suntrust that they need to hold the funds to cover. Theyve stated that they are closing my account however they have not yet closed my account or given me the funds from my account, a check was deposited that bounced so I understand the need to hold the funds to cover, however the amount of the check was never withdrawn so the bank didnt have it to cover it. Ive worked with the branch manager for how has tried to resolve this issue for me however SunTrust office is giving him problems and wont give either of answers about closing my account or when I will receive the balance in my checking account. The branch manager has been kind enough to keep me updated everyday and the balance in my checking account is still there, its just on a NO DEBITS status so he can not was release the cash to me. I need CFPBs help to resolve this issue with SunTrust
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

This is an amendment to my prior CFPB complaint submitted against this unethical comany. Complaint # XXXX. 

Last week I discovered that Chase failed to pay my home owners insurance annual premium, FROM THE ESCROW ACCOUNT THAT IS AT ISSUE IN MY PRIOR COMPLAINT, when I got a text from my insurance company telling me that my policy would lapse at XXXX that night if not paid. 

When I called Chase, I was asked to confirm that XXXX was my current carrier. I advised them that there had been no change and was puzzled as to why it was not PAID if they KNEW who the insurance carrier was. I was not given any type of answer. I was however advised that it was likely not paid because the insurance company had the WRONG ADDRESS. When in fact, Chase had the wrong address. Chase has the mailing and property address FOR THE PROPERTY THAT IT IS THE MORTGAGE HOLDER ON. Chase has XXXX XXXX XXXX XXXX, XXXX XXXX NEVADA XXXX. When in fact the property address is XXXX XXXX XXXX XXXX, XXXX, NV XXXX. How is this? I was then advised that this was likely " the address that was on the original loan documents. '' I advised that was incorrect. My prior mortgage holder had the correct address on file and the documents would never have recorded correctly to transfer ownership. I was then transferred at least 4 times wherein the representatives could not understand that Chase has the wrong address. I was asked to send in tax documentation to confirm the property address and the parcel ID #. I refused - it is not my problem. I have attached a PDF print out of the XXXX County Assessors office supporting my assertion that Chase has no idea what they are doing. 

This has got me believing that Chase likely does not have a correct or accurate copy of my loan documents. I mean, if they did, they would know the correct property address, right? 

Lastly, I continue to get calls in response to my prior CFPB complaint which seem to miss the point. My concern is not regarding the payment of my special district taxes - DESPITE THE FACT THAT IT NOT PART OF MY ORIGINAL LOAN AGREEMENT. My problem is that Chase is apparently unwilling to allow me to make a deposit into my escrow account ( WHICH IS VOLUNTARY AND MY MONEY TO BEGIN WITH ) and the reassess or re-evaluate my escrow account as to any " projected shortage '' that may occur over the next year ... so that once that is done, my monthly payment will not increase. Chase apparently does not care what is in my original loan documents, what would be a " Courtesy '' for its customers ( I have never asked for a courtesy revaluation of my escrow account with Chase and I believe that I am entitled to ask for that, in writing, in the event that I do not agree with the projection. ) This is not rocket science, but common courtesy.
Consumer complaint received 2019-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I was never contacted by the company for this debt. It was a joint account, both parties should have been contacted but I was not. The bill that was sent by the original company, was back in XXXX, when I spoke with them, they said the other party on the bill was paying. Next thing I know, it shows up months later on my credit score. I was never contacted by this company and I was never given anything to contact them with. Their number isnt even valid that shows up on the credit score report when I filed a dispute. A company should send information to someone with contact info in they want a response. Very shady business practice.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NY)

I opened a checking account with Citi earlier this year to obtain a {$200.00} promotion they were offering. 

After leaving more than {$5000.00} into my account for months ... I did not see the promotional credit. I attempted to reach out to them to obtain the credit but they were evasive and denied me. 

In early XX/XX/2019 I XXXX  out my account and asked for a closeout. After no closeout was processed, Citi proceeded to charge me a $ XXXX  monthly maintenance fee for low balance ... despite my request to close the account out and not have any money in the account. That fee made my balance XXXX ... which then triggered an automated {$34.00} overdraft fee from Citi. I proceeded to complain in early XX/XX/2019 and they indicated they would override the {$25.00} maintenance fee ... but kept the overdraft. However they assured me that both fees would be waived when closing my account on XX/XX/2019. After a week, i had to contact them again on XX/XX/2019 since my account was still not closed. 

I believe this is unethical. They first neglected to honor their promotional credit ... then charged me multiple fees to reduce the promotional credit they promised. Then they made it quite difficult to close the account ... I've made 3 Requests at this point.
Consumer complaint received 2021-09-19
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. (IL)

Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

We froze our credit due to someone filing a fraudulent tax return under our name. During the process Equifax never gave us a pin to unfreeze. We are currently trying to get a mortgage to purchase a new house. The bank needs to pull credit and they can not from Equifax. We have tried to call Equifax numerous times and our calls get routed thorough a robot answering system and we get hung up on. There is no way to reach a live individual. 

Per there website, Equifax states to reset a pin you must mail copies of your drivers license, a check, and a letter stating that you want to unfreeze your credit and receive a new pin. We have done all of this more than 10 days ago. We have not received a response, they have not cashed our checks, there is no one to call to check on this. 

We are getting desperate. We have sold our current house, we need to obtain a mortgage on the new house or we are in big trouble, i.e homeless.