davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX. 
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX. 
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX. 
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.

5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.

6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.

7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.

8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.
Consumer complaint received 2019-06-06
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION (VA)

XXXX XXXX continues to harass myself, my mother and now are attempting to contact my friends to discuss loan repayment options. My loan is in the process of being consolidated and therefore I do not even have a loan through Sallie Mae any longer. A man named XXXX XXXX continues to call my mother at her place of employment as well as my best friend. He is violently rude and discusses confidential loan information each time he calls which is multiple times a day. 
Sallie Mae itself also calls myself and mother a handful of times a day leaving automated messages.
Consumer complaint received 2023-01-24
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. (GA)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But Equifax and XXXX  is still jealously holding on to it. When I reported the issue to Equifax and XXXX, only XXXX  took that public record out - but did not update the score at all!! And Equifax did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX XXXX on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.
Consumer complaint received 2018-04-09
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: Social Finance, Inc. (AL)

XXXX is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with Sofi Lending. 

XXXX said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, XXXX is breaking the law by not blocking this information.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOK FINANCIAL CORP (NM)

I was given " cash for keys '' and settled with the Bank of Albuquerque or as they are known Bank of Oklahoma, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX XXXX
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

capial one unlawfully closed my a/c # XXXX = w/o legal justification, and w/o due process of law = my a/c was paid in full & i was in full compliance with my a/c terms = they XXXX discriminated against me, because i am a XXXX american & a supporter of president trump
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

There is a collection reporting with National Credit Systems that is for an apartment complex that I never moved into and cancelled the application prior to to being submitted for approval. I have email communication showing that I cancelled and that I owe no money. They were deducting a fee from that deposit that I never agreed to and there is nothing showing in writing that a portion of that money was nonrefundable for a charity donation.
Consumer complaint received 2023-02-01
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. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2022-04-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (MD)

I mailed Navy Federal Credit Union a debt validation and cease desist notice in XX/XX/XXXX for validation of the alleged auto debt. They received both notices via certified mail ( XX/XX/XXXX ) and had 30 days to respond with information to validate the date. Navy Federal Credit Union failed to send back the required information to validate the alleged debt which is a violation of 15 USC 1692g. Pursuant to 15 USC 1692g ( b ) Navy Federal Credit Union is in violation for not ceasing collection of the alleged debt or any disputed portion thereof until I the consumer received a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Navy Federal Credit Union proceeded to mail me a debt validation letter ( XX/XX/XXXX ) that was inconclusive and did not include the name of the original creditor. Navy Federal Credit Union proceeded to share my location information and send an unauthorized third party ( Final Notice XXXX XXXX and XXXX XXXX XXXX to private property to steal my property ( XX/XX/XXXX ) and that is a violation of 15 USC 1692c ( b ). Navy Federal Credit Union also mailed me a " NOTICE OF REPOSSESSION AND OUR PLAN TO SELL PROPERTY '' notice ( XX/XX/XXXX ) which is a violation of 15 USC 1692e. Navy Federal Credit Union is also not registered to do business in the state of Maryland.
Consumer complaint received 2020-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian continues to list erroneous information on my credit file pertaining to my student loan - I was never late - which is causing my low credit score which is, during these current times, denying me access to much needed loans. Experian does not process my disputes in a timely fashion and/or does not provide me with written substantiation.
Consumer complaint received 2020-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-11-22
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: Experian Information Solutions Inc. (MN)

Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello, this is in regard to the previous CFPB complaint XXXX. 
American express has responded to my claim that they confirmed with XXXX that the XXXX points have been successfully transferred to etihad airways account in XXXX which was NOT true. I have attached the account activity from account XXXX for the reference. I also have contacted XXXX that they never received any American Express points on this account. 

Here is the full story : I was trying to transfer XXXX points from my XXXX MR account XXXX to XXXX account in XXXX on XX/XX/XXXX and it was rejected as I realized later that I could not transfer to my wife XXXX XXXX 's account. So I made another transfer of XXXX points to my own XXXX  account in XXXX which was successful. I have contacted XXXX that the account XXXX has NEVER received any points from american express. I did not authorize the transfer that happened on my account on XX/XX/XXXX as the transfer made on XX/XX/XXXX to XXXX was NOT successful. Please see the attachment from the account activity. 

Please return the XXXX points to my MR account or have them transferred to XXXX. 

Thank you! 
XXXX XXXX
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have recently sent in a request to XXXX to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by XXXX  which is incorrect. 

Moreover, Transunion has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
Consumer complaint received 2019-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 

They Have Allowed XXXX  XXXX, XXXX XXXX XXXX, And XXXX XXXX to Post incorrect And unverified information on my credit report for over 5 years.
Consumer complaint received 2021-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (NV)

I applied and received a PPP loan through XXXX ( paypal ) of {$20000.00} on XX/XX/XXXX. I've applied for the loan forgivenss through them two times. Once in XX/XX/XXXX and Again on XX/XX/XXXX. Every time I call to follow up or login to check the status the system doesn't work. Then they don't answer. My security questions won't work. Then when I call to rectify the problem they put me on hold or transfer me from person to person causing me to be on the phone for long wait times averaging about 45 minutes per call. Then they can't answer simple questions as to when i can expect an answer from the XXXX. They tell me to complete new forms. In XX/XX/XXXX I submitted the XXXX XXXX Form. Then this XXXX they told me to fill out the XXXX Form. They can't provide me the exact dates of when the forms were submitted. I have confirmation and receipts and they refuse to email me copies. 

They seem to intentionally give me the run around and won't give me answers as to when i can expect a response. They told me today that the beginning of this year that the XXXX stopped taking applications. But yet they said to fill out the form in XXXX. Also why wasn't my original request in reviwed in XXXX of XXXX? The attachement has all the pertinent loan information.
Consumer complaint received 2019-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (TN)

Company would not offer refinancing unless credit was perfect or never missed payment. Any logical person would know If payments were affordable there would be no need to refinance. Also Variable interest lending to a XXXX year old student desperate to receive an education is just not right. It is almost predatory. I will accept the responsibility of being a uninformed borrower. But the simple fact I can send money and pay but never pay the loan down if i miss a $ 700+ payment is utterly ridiculous. Which means company will collect thousands of dollars and say I owe more. This ruining my life and the life of others. This preventing many people from being productive citizens.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My account was closed due to a fraudulent glitch my account was closed then reopened I recently called I have to claims that have been reopen and two sent out for an escalation I still have yet to receive a single payment please help me I dont know what else to do bills are piling up and I cant wait any longer I need a resolution for my situation now Im so lost and XXXX at this point please help me.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I opened my account. A couple weeks later, I get a letter saying the bank needs to verify my physical address. Ok no problem. Before the deadline on the letter, I go to a branch as the letter instructed me to do. I show them proof of physical address. They tell me it's all taken care of. They even let me set up my pin for my debit card.

A few days later, I find can't access my account. I call and they tell me it's closed because I didn't update my address. Two weeks later, I still don't have my money. There was over {$900.00} in that account. I've incurred late fees on multiple bills. My landlord is going to evict me yet they don't care.

I've called customer service. I've called the executive offices. No one I get on the phone knows anything. They transfer me to a supervisor who never calls back.

I thought Wells Fargo was ( in ) famous for opening accounts not closing them.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I have had credit card number ending in XXXX for many years. Recently the bank contacted me based on suspected fraudulent activity on the card. They handled this appropriately and advised they would need to issue me a new card due to the suspected fraud. The problem is that I had over XXXX loyalty point on that card which have now disappeared with the issuance of a new card and nothing has been done to let me keep these points.