davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

NCB Management has been reporting a debt on my credit report. I have yet to receive one  notice from them in regards to the debt at my address. This also means that I was not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today  XXXX / XXXX /  XXXX   that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.
Consumer complaint received 2017-05-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from USAA. I informed USAA that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  USAA.com. I   contacted  USAA  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited USAA.com multiple times, it was to open accounts for my  XXXX  children or to address  Christmas  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during Black Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to USAA that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX , Virginia while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing . In   XXXX   XXXX   XXXX   XXXX   I was d enied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in  XXXX   XXXX . Still no notification at this time nor to this date  (   XXXX   XXXX  ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til  XXXX   XXXX , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.
Consumer complaint received 2022-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I called Equifax to report that I was a victim of identity theft. I began to explain this to the customer service representative and she stated I first needed to complete a XXXX question process before she could update my credit profile. The customer service representative then transferred me to Equifax consumer satisfaction automated line; rating the satisfaction of the experience with Equifax system. After answering the XXXX questions the system disconnected me and the customer service representative never resolved my issue nor explain to her that I faxed a police report supporting me being a victim of identity theft. Please investigate Equifax illicit practices ; and I'm also a victim of their data breach. My information has been compromised due to their security breach. I truly don't trust them reporting nor storing my personal information.
Consumer complaint received 2022-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (VA)

I was three years into a fully funded Clinical Psychology doctoral program and Sallie Mae drained my bank account to negative - {$1500.00} leaving me stranded on the way to see a client as part of my doctoral clinical training. Needless to say, I did not make it to see my client that day who was struggling with a myriad of depressive symptoms. I was forced out of my doctoral program and am now stuck at a cieling I should never have hit due to their oppressive policy of not making accomodations for what is typically a 6-8 year program. Because it had been 4 years since completing my undergraduate degree, they did not care that I was on the way to being an expert in my field. I ended up turning to alcohol for relief which led to my entry into a rehab facility and left making the tough decision to forfeit my position within the class of 6 doctoral candidates that were selected from a pool of more than 1000 applicants ( a highly competetive and nearly impossible feat for a first generation college graduate in my family ). 


Sallie Mae encouraged me to default on my student loans so that I would qualify for income driven repayment following the first incident which tanked my credit and now I am sitting on {$100000.00} dollars of debt with the company and the income driven repayment plan is no longer in effect. I landed on my feet and work at a non-profit making {$82000.00} a year which is a fraction of what I would be making had I not had my career destroyed and path to success disrupted by such nefarious practices. I don't qualify for car loans, mortages, etc. While it may seem like I make a decent amount of money, I am paying at minimum 12 grand a year and barely scratching the interest accumulating on these loans. 

It's frankly criminal. I want to do things the right way, but it seems to me the only people being rewarded by class action law suits are the people who refuse to pay. If I were to refuse to pay my loans, I would not be eligible to work at the non-profit where I am currently employed and likely homeless. I have no savings, and barely get by between an outrageous car payment, rent, insurance, and food. What kind of backwards society sits by and watches bright young minds get crushed by big corporate swinging golf clubs as easily as they destroy dreams and the potential of a better world fostered by individuals with more intellect than their spreadsheet paper pushers will ever dream of having.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a fraudulent account on my credit report, the XXXX XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.
Consumer complaint received 2022-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act Capital One account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Credit company was notified of late payments due to unforeseen circumstances during the months of XXXX and XX/XX/2019.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a XXXX XXXX XXXX business credit card from Bank of America. I had not use it often. On XX/XX/XXXX, there was a {$25.00} annual fee charge on my card statement which I didn't receive a notification by mail or email. In the subsequent months, Bank of America didn't notify me about this charge and keep on adding fees and charge on it. In XX/XX/XXXX, when I checked with them about this account and found they have closed the account and charge for total {$270.00}. I tried to argue with them and they said they can't do anything. I paid them {$270.00} in XX/XX/XXXX for the merely {$25.00} annual fee.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as XXXX XXXX XXXX. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with experian. Neither time did Experian notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that Experian " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in XX/XX/XXXX.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (NY)

The creditor has re-aged this account on XXXX showing payments in XX/XX/XXXX yet other bureaus show debt given to a collection agency, XXXX ( opened in XX/XX/XXXX ). How is that possible? At one point, status of the student loan account was showing as open on XXXX yet duplicate reporting by collection agency for same debt ( please see attached ). Reported DoFDs are different across all the credit bureaus and supposed payment history and original amount owed keeps changing. Series of violations and inconsistencies occurring. Please delete this account and get corresponding collection removed immediately.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act and other law. 
The agency failed again to reinvestigate on time and provide support. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

I requested my credit report thru annual credit report. After filling out the info and answering the security questionsXXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, Experian, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
Consumer complaint received 2017-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Account Resolution Service  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX  Amount  XXXX  was paid to   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date open  XXXX / XXXX /   2012  Talked to  XXXX  and I was told that I do not owe any payments to them, called ARS and told them so they can remove from my credit report, as of today they still have this on my credit report wanting me to pay them. Also   XXXX   XXXX   XXXX   XXXX   do not use collections agencys
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

XXXX charges totaling {$1900.00} were charged against my business acccount. I am not a XXXX customer and there is no reason for these charges to my account. Wells Fargo has completed their research of the matter and is unable to reimburse me because I did n't notify them until XX/XX/2015 and the charges were made on XX/XX/2015. I 've already contacted XXXX and they have indicated that they can not help.
Consumer complaint received 2020-05-27
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. (CA)

I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT XXXX XXXX AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH EQUIFAX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am a permanent resident of the   US and a customer of Bank Of America for years. Recently I was sent a letter requesting to go to a branch and provide my residency documents. It was then that revealed that my residency status in BoA systems was captured as a US citizen. This change had been made to my account without my knowledge and consent. My status was updated to the original correct citizenship though when I provided my legal documents, and the store manager apologized. He was even surprised how a customer 's citizenship status could be modified in their system like this.
Since this could have unknown legal responsibilities and consequences to the extent I have no idea what, I filed a complaint in the store to receive an official response from BoA on why and when this change had been made to my account. Two weeks later somebody called me and explained they had researched my case, but had no idea when or how this had happened! While she apologized on the call for this hassle, and confirmed this change had nothing to do with me ( how could it ), she refused to supply a written response taking responsibilities for this modification. Again, changing my status from a non-citizen to US citizen, specially considering I am a citizen of a country that is undergoing US sanctions, could have consequences in future that this is my right to know when this happened and why. This could also be a fraud or misconduct of somebody in BoA who had access to customers confidential information like mine.
Consumer complaint received 2016-10-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.
Consumer complaint received 2022-09-07
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX