davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

I recently received a copy of my credit report ( XXXX and XXXX ) and after reviewing it I found questionable items listed by National Credit Systems. In the past, I have asked that National Credit Systems send me copies of the documents that they have in their files that are used to verify the accuracy of the accounts listed ( XXXX ). No one has ever answered my request. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that National Credit Systems disclose to me all of the documents that they have in their possession that is concerning the accounts that are being reported in my credit report. Instead of providing me with the documentation, National Credit Systems insists that the account has been verified. However, the company continues to fail to provide me with this very documentation. 
If there is no documentation in your files to verify the accuracy of the account XXXX, then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, National Credit Systems is damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that is on file for the account listed, then said account must be removed from my credit report.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (AZ)

I've been a victim of identity theft and have been suffering punitive damages due to XXXX XXXX XXXX in the amount of {$3200.00} on XX/XX/2015 this account is fraudulent. It has been reporting my Experian! I've mailed out an FTC report # XXXX multiple times without a resolution!
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

Hello i have tried many avenues with dealing with Navient so im trying this as another way in case contacting Navient by mail and Credit Bureau by mail and online disbute doesnt work. I spoke with a Navient representative on XX/XX/XXXX explained my financial issues. He told me i was n't eligible for forbearance nor deferment but i could do something similiar which is income based and i needed to send in my info. I explained i would n't be able to send tax info til i file. I was told my loans would be made current and i had a grace period til XX/XX/XXXX before getting documents in starting payments again. On XX/XX/XXXX I recieved an alert saying a change occurred on my report, Navient had reported late dates for XX/XX/XXXX abd XX/XX/XXXX to XXXX dropping my score with them down to XXXX pts. I called Navient explaining my account was on hold and made current she reported seeing this on her computer and said she would put in a dispute that could take up to 90 days. So i told her within seconds it them to lower my credut score, it will take them 90 days to figure out if they will do anything about it, sge said yes. This drop was catastrophic to me since i have to help my son with his school loans also. So i decided to call XXXX and dispute with them they said it will take 30 days. I sent a letter to Navient then on XX/XX/XXXX i received a alert that my score went up but within an a few hours another alert occurred saying Navient reported the same late dates for XX/XX/XXXX and XX/XX/XXXX but on XXXX which dropped my scores with them another XXXX points. Im so overwhelmed with how these people are destroying peoples livelihood. Im not sure why they would report late dates for XX/XX/XXXX, right now, and did n't before and if im in good standing now why report late date for this year. I truly need assistance with this issue. Im trying to do better with my student loans but they are making it very hard.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2017-12-25
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)

Equifax has not corrected an issue allowing me to log into my XXXX XXXX account that was created as a result of the data breach. I signed up for an account but every time I try to log in I get an error issue. Equifax said they would fix the technical issue but it has been over 3 weeks with no resolution. Also I disputed items on my credit report and received a confirmation # to check the results of my dispute. When I go to log in I receive an error message. Equifax is preventing me from seeing my dispute results and seeing my credit report.
Consumer complaint received 2022-08-10
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. (NV)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2019-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

XX/XX/XXXX I called Navient for the second time to attempt to resolve a delinquency and attempt to negotiate lower payments on my account for an extended term seeing as I could not afford to pay the full amount due. I had previously called the week of XX/XX/XXXX to change my regular payment date from XX/XX/XXXX to XX/XX/XXXX. I received an email confirmation that the date had been scheduled and changed. For some reason the payment was never dispensed from my checking account. On XX/XX/XXXX I received an email saying that my loans were past due, upon checking my bank account I realized that the payment amount had never been subtracted directly leading to the delinquency. 
As for negotiating lower payments I had previously been enrolled in the rate reduction program since XXXX and had been able to successfully make payments to continue my enrollment in the program. Upon calling Navient I was informed that I have met the 36 month maximum and can no longer be enrolled in the rate reduction program. Then I asked for other options including graduated repayment plans which I was denied on the basis of my repayment having already been extended and mandatory forbearance that would of allowed me to make an affordable monthly payment based off of 20 % of my monthly gross income which I was also denied and informed that Navient has no such type of forbearance despite its presence on the Navient website. The only option Navient gave me was interest only payments for 6 months that capped at one year. After explaining that the interest amount due would still be unaffordable I was given no other other options to avoid delinquency and subsequent default that will happen starting in XXXX. 
An income based repayment plan and/or a no restriction rate reduction plan would allow me to make affordable monthly payments on my student loans to avoid default/delinquency but currently do not exist within Navient nor any other private student loan provider. This has created an extremely infinite and undue financial burden on myself and many others in similar financial situations despite my willingness to pay an amount that I can afford and previously have been.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (CA)

I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX  account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the account.
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (TX)

Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I went to website to manage my account and this message came up I went to the website to review my account the I received the following error. 

Hmm, something's not quite right. 
Access seems to be down at the moment. Thank you for your patience - things will be up and running soon. 
XXXX TD Bank, N.A. All Rights Reserved Please investigate this website ensure that it working and operating according to United States Federal Regulation and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations Now this supposed be online bank made easy this is not easy when you are not allowed to access you bank account or make transfer to any account. I called customer services regarding this and they said that they unable access my account and make transfer to my checking I would have go into the branch for access is this legal to offer services and the bank and the customer services is not able to assist and please investigate this store or bank ensure that it working according to United States Federal Regulation and all misconduct and mismangement found all individuals involved be convited according to United States Federal Regulations
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (PA)

XXXX years old, XXXX. resident charged {$10.00} fee by Equifax to temporarily lift security freeze. 
Phone conversation on XX/XX/2017 with Equifax Security Freeze Department ( to which I was directed to contact by Equifax Customer Service ) was UNABLE ( or Unwilling ) to resolve the {$10.00} charge to my credit card for my request on XX/XX/2017 to temporarily lift a freeze on my account. Security Freeze Department could not even find my case number - which I had received from Equifax Customer Service. Directed by Equifax Security Freeze Department to either send fax or snail mail request ( including copy of my bank credit card statement showing the {$10.00} charge ) and then wait another 10 to 14 days for response ( OR Approximately ONE Month from being charged the {$10.00} fee ) and MAYBE get my {$10.00} -- which should never had been charged -- back. This was even after providing ALL the personal information requested in emails AND during phone conversation and noting the other XXXX credit bureaus did NOT charge me a fee. 
Snail mail being sent includes information below I had provided to Equifax on XX/XX/XXXX : " I just temporarily lifted the credit freeze and was charged the {$10.00} fee ( even though I 'm over XXXX and from the state of XXXX. ) Pennsylvania ( security freeze rights established by Pa. Act No. 163, Section 9 Fees b2 ) Fees : No fees for identity theft victims or seniors aged XXXX and older. All others pay {$10.00} to place the freeze or to lift it temporarily. No fee to remove the freeze. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , Pa. XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2022, I applied for an american express platinum personal card and got approved with very clear promotion offer of 150000 points with spending {$6000.00} in the first several months. 

So I got the card and they charged me {$690.00} annual fee almost instantly. In the next few months I spent more than {$6000.00} and never see those points showing up in my account. So I chatted with a representative and a " supervisor '' about the situation. They told me even my application was approved, but not showing with that offer in their system. But I clearly saw that offer, otherwise there was no point for me as a school teacher to apply for this card, which is my first ever amex platinum card in my life. They said they might be a term during my application process saying that they have the power to decline whatever offer they ad for. That is scamming for consumers then. 

This where I found the offer : https : XXXX? XXXX # commentsBox I requested they refund my annual fee or deposit my points, but the " supervisor '' refused to do either. I feel very helpless. This kind of practice is completely unacceptable!
Consumer complaint received 2021-11-26
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: Bread Financial Holdings, Inc. (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, ; XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tri-State Adjustments, Inc. (MN)

Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.
Consumer complaint received 2018-03-21
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. (DE)

7 Fraud accounts that continue to report on my Experian credit Report after years of disputing the Fraud   with the credit report and creditors which was due to the XXXX  Breach and Experian Neglected to correct and update and remove these fraud accounts from my Report. Account from these creditors are Fraud, XXXX {$5000.00} # XXXX, XXXX XXXX {$5000.00} # XXXX, XXXX XXXX   {$740.00} # XXXX, XXXX XXXX XXXXXXXX XXXX  {$1400.00} # XXXX, XXXX   {$260.00} # XXXX, XXXX {$570.00} # XXXX, XXXX {$330.00} # XXXX
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (TX)

I have previously submitted complaints concerning unauthorized charges by Wells Fargo to my credit card for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX. I think I should be reimbursed for these fraudulent charges. When Wells Fargo was approaached to respond, their responses were fiction. The transcription sent to me was fiction and addressed a policy that was not the one I was charged for. I was charged for a XXXX XXXX XXXX and the transcript was for " health benefits. '' Please look into the XXXX XXXX XXXX Fraud as I am sure I am not the only XXXX.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XXXX XXXX, XXXX, XXXX billed me {$48.00} and {$42.00} on my XXXX Capital One credit card for merchandise I never received. Capital One showed a merchant credit on XXXX XXXX, XXXX. 
Capital One shows a credit to me on XXXX XXXX, XXXX Capital One has rebilled me TWICE on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
This means that Capital One has billed me for money the merchant owed me. 
I spent 2 hours on the phone on Sunday XXXX XXXX, explaining that Capital One credited me once and debited me twice, so that Capital One collects {$48.00} and {$42.00} from me, wiping out the XXXX credit. 
I still pay for {$48.00} and {$42.00} for merchandise I never received. 
Capital One refuses to acknowledge that the merchant owed me the credit and they should not have debited me twice.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me XXXX to a debt that I did not create. I need assistance immediately!