davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (TX)

This company, Dynamic Recovery Solutions, repeatedly robo calls my phone number and after multiple attempts on telling them to not call me, that I do not owe any debt to them ( nor have they ever properly verified or identified such ), tried hurting my excellent credit score ( which the reporting credit agencies finally removed ). I want them to stop and I will also sue them if they continue to harass me. I 'm hoping you can help. Do any type search of this company and you will find thousands of people harassed by them and them performing illegal activities. They use phone numbers XXXX and others.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

My ATM card has been deactivated on the same day it was activated back after a few transactions. My husband was there helping me out trying to activate my card back. Today XXXX of XXXX, my husband told me both of his cards were deactivated as well by USAA. So he called and got his cards to reactivate back, I also was talking to the representative and raised some concerns about how my card was deactivated by their system on the same day it was activated. I was finished talking to her, she hung up on me and before she hangs up she did confirm that they will turn my ATM card back on. To me, this is very back customer service and I was very frustrated with how they emotionally abuse their customers. I got mad and I transferred some of my funds at XXXX XXXX and still, they are holding these funds against me. 
I am a XXXX XXXX and these activities took place after I received my funds from XXXX XXXX XXXX XXXX I do not have a job in the meantime this is my only source of income. 
I can not use my atm card and I can not log in to their bank system. I am reaching out to other authorities for help because this is XXXX XXXX.
Consumer complaint received 2017-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have written to Navient requesting a single contact in which to send payments for Unpaid interest of {$4400.00} only. I do not want these payments to be considered as " overpayments '' because my debt will not be cleared as timely as I would like. This account has existed since 2005, over 15 years. Navient wants the debt to continue for another 17 years with monthly interest exceeding {$250.00} monthly. 

According to their instructions " you can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. We can not process instructions written on the check or remittance slip. '' Navient has chosen to not respond directly to me ; therefore, I must ask for the CFPB 's assistance. This account is paid without a remittance slip or paper check. It is paid via electronic transfer. I am acting in good faith with this request for a single point of contact to work with.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorise these hard inquiries in my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The Credit bureau is : TransUnion
Consumer complaint received 2021-07-20
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. (SC)

Experian has in several occasions violated my consumer rights of accurate reporting despite certified mailings, online disputes calls to speak with live agent. They have even lied and said they have not received my certified mailings. 
They are reporting inaccurate name, address, balance, date of loan, date of charge off and repossession. Despite what they have been given by XXXX XXXX  there jobs is to find the burden of proof and report or remove inaccuracies what they have done is based off my disputes corrected my name and address and not investigated my other requested disputes. I have received a letter From XXXX XXXX on there own letter head and from a person in manage burden of proof showing incorrect name, address, and year of debt. I have submitted this info for the last time so it maybe deleted per my consumer rights! Which experian continues to violate. I have exhausted all pleas to remove NOT update ongoing false and inaccurate information. They know I have been a victim of fraud and have provided them with accurate personal information which would of helped resolved this ongoing issue. It has caused me unnecessary stress along with ongoing medical issues in which prompted me to try to resolve this issue for the last few months XXXX XXXX XXXX has reported to CFPB they have informed experian to remove the account from my credit report and experian has updated it as accurate again proving they are in violation of the law and have not complied with fair reporting practices
Consumer complaint received 2019-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (MN)

Nordstroms TR Bank USA : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Consumer complaint received 2024-03-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was gifted a {$200.00} American Express XXXX XXXX marked amexXXXX. I've logged in online and confirmed it has a {$200.00} balance. However, I'm effectively blocked from using this card online because American Express has no mechanism for associating a zip code with the card, and virtually every online vendor validates zip code. As a result, I am unable to access these funds.
Consumer complaint received 2022-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I requested information from Credit Acceptance to compare with information they furnished on my credit file for my records and to ensure the accuracy of my credit file. By law I am entitled to a fair and accurate credit file. Credit Acceptance failure to provide the requested information strips me of that right which is a violation of the Fair Credit Reporting Act.
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Equifax does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.
Consumer complaint received 2021-10-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION (GA)

I bought a CD from Sallie Mae in XX/XX/XXXX. Unlike other institutions from which I have purchased CDs, I have no way to view my account details on the mobile site nor can I view tax documents. I was just looking for details on when this CD will mature, as I have received. I notification. I was shocked to discover it is maturing this month- for the second time. Evidently in XXXX, the first CD matured and Sallie Mae did not notify me. At all. And this rolled into another one-year CD, making nothing. Fortunately, I made about as much as I would have in a savings account, but it seems shoddy at best and deceitful at worst that Sallie Mae doesnt make this information more clear or notify account holders in any way.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

Since XX/XX/XXXX I have been trying to solve a problem that I have with this company in my credit report, where backed by the laws that protect the consumer according to the FCRA, all the information shared by the companies must be accurate and precise or else it must be removed from the consumer report. 

For more than 10 months I have tried to reach a solution by sending reports by all means even sending a report directly through this CFPB portal, where unfortunately the results remain the same, the laws imposed on fair credit are not respected. 

The company YAMAHA MOTOR FINANCE, in the report it has with XXXX, expresses that the status of said account is " account paid in full ; the a charge off ''. 

As you can see in the attached document of the company the payment history of that account is OK, during multiple occasions I have asked the company to please verify the information and it is modified, or otherwise deleted from my report. 

As you can see in the document they respond that the information is correct and accurate, which in the documentation there is nothing correct and precise because if the account shows an excellent payment history, how can it show that the account had a charge off, so I demand it by relying on the laws to the fair credit that this company in conjunction with XXXX, take all the measures, I am notified by postal mail all the research they carry out, where they demonstrate in which month the account was in charge off, what are the months that was not paid so that the account was in said charge off. 

The account says that it was closed on XX/XX/XXXX, with an excellent payment history but in the status I see a charge off.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

Fortiva Credit Card charged me a erroneous late fee of {$28.00}. The due date is the XXXX of each month. I made my XXXX payment on XX/XX/XXXX prior to the XXXX yet they did not post the payment until after the XXXX. They had the payment, but they did not post it until I asked them why they did not post it. After they posted it they then charged me a late fee of {$28.00} even though the post date indicated XX/XX/XXXX on my account on their website. I emailed them several times inquiring why I was being charged a late fee to which I got no response so I closed the account.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

This is the SECOND complaint about the same issue because the Experian failed to address the issue in complaint # XXXX. The company 's online freeze alert does NOT work, though I have tried many times to do so. Since I was affected by the XXXX breach, it is critical that my security freeze is applied at all three credit bureaus. Instead of addressing why Experian 's online security freeze does not work, they answered my first complaint with a general description of the XXXX breach, and what the options for security are. They NEVER answered my complaint about why they will not freeze my credit as requested.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2017-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MO)

LVNV Funding LLC attempted to sue me for a debt originating from XXXX XXXX XXXX in XX/XX/XXXX. I called to pay the debt to prevent a judgement on my record. I was told I had to now contact the Law office the contracted to handle the lawsuit. I called XXXX XXXX XXXX  on XX/XX/XXXX to pay the debt. I was offered a settlement in full of {$500.00}. I accepted only after I asked if they were permitted to offer settlements on behalf of LVNV and they said yes. They also stated that this debt would be cleared and could not be sold or collected on after this payment and would be dismissed in court. There calls are recorded therefore proof of this conversation can be obtained.
I paid the debt right thenXX/XX/XXXX via check by phone ( see attached cleared check ). I received a letter from XXXX XXXX XXXX stating this debt was settled in full ( see attached letter ) onXX/XX/XXXX. I have waited for my reports to update and now LVNV is reporting that I still owe this debt in the amount of {$270.00} the difference of the settled in full offer I paid. They are reporting this amount to XXXX and XXXX and are still reporting the full amount owed of {$770.00} to XXXX. I have tried contacting them with no avail. This debt was paid and to be removed according to they law office they contracted to sue me. I will still have to appear in court onXX/XX/XXXX to make sure they actually dismiss this case, because now I believe they will still try to obtain a judgement due to their wrong collection processes.
Consumer complaint received 2021-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-05-13
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: BMW Financial Services NA, LLC (CA)

See attached uploaded file for the letter and explanation. BMW Financial put a 30 day late on my credit report and is refusing to remove it. It was not 30 days late but then it reports on my credit report in two different months.
Consumer complaint received 2017-09-16
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. (IL)

All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy  rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

This company magically appeared on my credit report one night around the same time that I found out, I was a victim of identity theft. I have previous affiliation with this company have never done any business with this company. Do not even know where they are from. I have tried several times to contact him to provide documentations, and they never do. I have filed a dispute and complaint results were ever given. They have not provided any documentation with my signature or identification.