davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (NV)

Sally mae can not produce my loan information they refer me to navient who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (CA)

XXXX XXXX  with XXXX XXXX XXXX XXXX pulled my equifax credit report without my consent. I contacted the XXXX XXXX  and they said that they have made the appropriate updates and have notified the Equifax of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my equifax credit report.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I found a non authorized transaction on my debit card paid in another state in a tire shop. I submitted a claim to my bank and my claim was denied twice, the last letter I received stated that the bank was able to determine that a counterfeit card was not used to make the disputed transaction. I called twice to contact the person who signed the letter, the first time he was not available and the person who took my call told me she will pass the message to him, the following day I called back again trying to reach the person who signed the letter, I was on the phone with the lady who took my phone call at the same time she was trying to reach the person by message and he told her his phone was disable at that moment and he can not talk to me, the lady who was with me at the phone assured me he will contact me back. 
I feel so frustrated by this situation because my bank assured many times no liabilities in reference to fraud charges, I feel I was treated unfairly and far from what I would expect from any customer service.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with Navient, contacted XXXX XXXX, and XXXX to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MN)

TCF bank has used an unending practice of hitting my checking account with multiple fees. It has been going on for months. Last fall, I went to the bank and asked for assistance with my account and how to solve the problem with all of the OD fees.

OD protection was not an option they would entertain. A personal loan for a bridge was not approved or even encouraged. Instead, the representative pushed me to apply for a credit card. I didn't do the application. It seemed odd that he kept pushing for a credit card and didn't jump on the opportunity to really assist a customer with budgeting and/or problem solving. 

Over the past several months, nearly all of each paycheck has been eaten up with, fees. Leaving very little for basic necessities and bills. It has pushed my issues with XXXX, XXXX and XXXX to be a debilitating aspect of my life.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (UT)

Bank Of The West - - {$23000.00} is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. They are reporting a debt that I do not owe. This debt is really old. Not only is it past the statute but it also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

There was transactions reported by me on the XX/XX/XXXX. Paypal flagged my account as i dispute the charges. Paypal denied the charges and i reopened the dispute and told the financial institution. While I was in XXXX on the XXXX of XXXX another $ XXXXcamw out. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? Thwy hung up on me. 
Paypal let another transaction go through while there was open disputes. There was transactions reported by me on the XXXX. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute? The XXXX was returned by paypalon the XXXX. Paypal had the opportunity to STOP that payment. They refused. Now the errors were fixed accept the payment they let through. XXXX has their payment/money. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. The bank contacted PayPal and requested the refund on the dispute for the XXXX and PayPal did acknowledge that it was returned for fraud but won't acknowledge that the bank refused the XXXX for the same reason. Why isn't PayPal doing a charge back? They paid it without authorization or funds available. They should have rejected the payment based on the bank saying no and me and no authorization. Paypal needs to get that unauthorized {$500.00} from the individual they gave it too without authorization. I was in XXXX ( which I submitted ) at the time it came out.. i didn't authorization it. Paypal wouldn't have returned the XXXX fraudulent payments if it was proven.. They are claiming that it wasn't returned. Yes it was. They can get it back from but choose not to. They are allowing them to scam me. XXXX
Consumer complaint received 2021-01-13
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. (NC)

Ive always kept up with my credit report and ensured I made responsible decisions with my credit. Im still in disbelief that someone was able to take out car loans and credit cards in my name. Losing my job due to the pandemic, my identity being stolen, my credit greatly impacted, and my family passing away due to XXXX has impacted me heavily. Please help me get my life back.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (CA)

I have an XXXX XXXX XXXX card and I noticed that my entire account number is listed on my monthly statements. That is not a good thing as I have lost my statements and I'm afraid that my charge account used or stolen to be used in a fraudulent manner.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (VA)

Inaccurate and incomplete information on my credit report that has been reported by US Bank. Below are the details of the issue : 1. Both XXXX  and XXXX reports show the correct balance information of {$65.00} as of XX/XX/2023 update, while XXXX is showing incorrect/old balance information of {$0.00} as of XX/XX/2023. 

2. Despite repeated attempts to contact US Bank, I have not received a satisfactory response, and my dispute has been ignored by them. 

3. I have also filed multiple disputes with XXXX, but each report has been returned with the same unfixed and improper response for SIX TIMES, stating that the information reported by US Bank is accurate. 

4. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. However, US Bank has failed to comply with this law, and returning the dispute with unfixed incorrect information does not count as a resolution. 


I demand that the CFPB investigate this matter and take appropriate action against US Bank to correct the inaccurate and incomplete information on my credit report. This situation has caused me significant stress and inconvenience, and has also negatively impacted my credit score.
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: Upstart Holdings, Inc. (CA)

On XX/XX/XXXX, I sent a validation letter to Upstart Network INC disputing the information on my credit bureaus reports. They responded within the 30 day time frame, but did not respond with the requested validation documents. They also did not report to the credit bureaus that the items were being disputed. On XX/XX/XXXX, I sent another letter to inform Upstart Network INC that they hadn't marked the item as " disputed '' on my credit reports, a clear violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ). Attached is a copy of all three credit reports that show as of XX/XX/XXXX Upstart Network INC has failed to place a notice of dispute on my account within the required 30-day period. The first letter of dispute was sent on XX/XX/XXXX. Therefore, the item should've been marked as disputed '' 30 days from when they received it, which was on XX/XX/XXXX according to USPS tracking.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (TX)

I paid off the agreement with the collection agency who bought the debt from the company. In return I tried to call to receive my title back from the original company who approved the loan and was unsuccessful in trying to retrieve my title. I have called several times and still got no response. The payoff date was XX/XX/2020 for {$780.00}.
Consumer complaint received 2021-09-03
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: AFNI INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... AFNI ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (UT)

IC SYSTEMS is reporting erroneously on my credit file. I recently checked my credit file and noticed a bunch of medical debt being reported on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.
Consumer complaint received 2021-09-03
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. (MS)

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submll the qualifications under 15 USC 1681c-2 for Block and Removal of the informatiitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet aon on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2022-10-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (NC)

A debt buyer is attempting to collect on a debt that is currently under fraud and being worked as an ID theft case with XXXX XXXX XXXX, and the credit bureaus. 

I do not owe MRS BPO LLC XXXX and they are attempting to collect on a debt that is not owed to them and a debt that I do not owe! 

They need to provide me with a WET INK SIGNATURE of a contract showing that I owe them money. 

Again, this company is a debt buyer
Consumer complaint received 2021-01-13
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: JPMORGAN CHASE & CO. (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

In XX/XX/2019 i opened a new account with XXXX XXXX XXXX XXXX for cell phone service i took the phones back and cancelled service with them before my 14 day trial period was over. They actuallys till owe me sales tax and downpayment back that they never refunded. I have fought and fought them and still trying to collect on something i dont have or set up. 

The representative said this would be taken care of and removed from my credit reports but it still shows up.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I got a US BankReliacard.com in the email that I did not ask for, nor do I want. 
I am not unemployed. 
I tried calling the various numbers on the paper and went to the website for the card, but the only option was to activate the card, ie there was not an option to talk to a live person. 

On XX/XX/XXXX my companies HR department informed me that my SSN might have been compromised as they had received and unemployment form for me - thus they have given me the need steps I am taking. 

This card arrived in XXXX mail on XX/XX/XXXX - so assume it is part of the entire fraudulent activity. 

Thanks for your help.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (WI)

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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-13
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. (VA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

I am filing a complaint due to incomplete and inaccurate credit reporting from Nelnet since being switched from Great Lakes student loan services. On my account : XXXX I paid {$640.00} balance off on XXXX XXXX XXXX back on XX/XX/23. I was told this would be reported to XXXX within 30 days from a customer service rep and it has not been reported. Now I see a credit reporting error that incorrectly shows consolidation of balances on XXXX XXXX  and XXXXwhich is not reflected on my Nelnet account-balances are still separate. This is showing reported to agencies now and shows as an increased balance ( even though no change in balance for XXXX XXXX  XXXX XXXX XXXX ) and has lowered my credit score significantly yet. On Nelnets website these are still separate $ XXXX balances. I am closing on a new house within the month and need these issues corrected immediately or I am filing a complaint. I never had incorrect reporting with Great Lakes. Please advise to remedy this situation.
Consumer complaint received 2021-01-13
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. (NJ)

Submitted FTC report, statement and credentials for these accounts listed to be blocked and removed from my credit report. 
XXXX XXXX/ XXXX XXXX  Acct XXXX XXXX  Acct no : XXXX XXXX  Acct no:XXXX XXXX XXXX Acct no : XXXX XXXX XXXX  Acct no : XXXX XXXX  XXXX Acct no : XXXX
Consumer complaint received 2022-10-13
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)

To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXX being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?
Consumer complaint received 2019-02-04
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: The CMI Group, Inc. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I settled this account with XXXX XXXX  thru XXXX XXXX XXXX on XX/XX/XXXX. The balance has not updated and they reported 2 late payments for XX/XX/XXXX & XX/XX/XXXX. I am currently in escrow with homebuying and nobody will fix this issue.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (NM)

By the laws governing my state, the State of New Mexico, this company needs to be licensed to engage in their debt collection acitivities. They do not have a valid or active license in my state and therefore are unlawfully engaging in collection activities.