davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
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. (TX)

I have been sending letters to Experian in regards to an alleged XXXX XXXX XXXX loan asking them to verify an alleged debt with proof of original documentation, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Consumer complaint received 2021-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

A member of my household received a letter from a debt collector, identified as Afni. The letter stated that {$1100.00} was owed to XXXX XXXX XXXX XXXX no address, and no date on letter ). Afni offered to settle the debt for {$600.00}, along with standard jargon about responding in 30 days. The letter was addressed to our residence, but the name of the member was misspelled. There are two key problems. 1 ) A person of that spelling does not live in this household. 2 ) The person whose name is similar to that name has never had an account with XXXX XXXX XXXX. An Internet search of similar issues suggests that this company has a history of attempting to collect debt on false accounts. There exists the possibility that someone may have opened an account in this false name, but there is no way for us to verify that possibility. Several websites suggested that calling Afni was ill-advised. Our household sent a written letter of dispute to Afni within 30 days of receiving the initial letter. Afni responded with a follow-up letter, stating that the account is verified, but offered no further evidence of when and how this debt may have accumulated. They again listed XXXX XXXX XXXX, but this time included an address of XXXX. XXXX XXXX, XXXX, TX, XXXX. An Internet search of this address revealed a XX/XX/XXXX entry for a company called XXXXXX/XX/XXXX Theft of Identity. This provides further evidence that this debt is not legitimate.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked about their procedures if someone is going through a data breach and experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed an ID theft affidavit which I will attach here. XXXX caused the latest data breach. I also filed complaints with XXXX  and the Attorney general for consumer protection. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires not authorized : XXXX XXXX Miscellaneous, XXXX XXXX
Consumer complaint received 2022-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. The CFPB will also geta copy of this. 

XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

To Whom It May Concern, I am an account holder with a credit card issued by Barclays USA. In XX/XX/2022, Barclays provided me and presumably other account holders with an offer beginning XX/XX/2022 and ending XX/XX/2022, stating that ANY airline or other travel purchases charged to the Barclays credit card during this period would be subject to a discounted interest rate of 3.99 %, rather than the customary standard purchase 20.24 % APR. 

I clicked on " accept offer '' and subsequently, from XX/XX/XXXX to XX/XX/XXXX, charged XXXX XXXX  tickets with XXXX XXXX, XXXX, and XXXX, several XXXX  tickets with XXXX and XXXX XXXX  local XXXX XXXX, totaling {$2600.00}. XXXX  When I received the billing statement yesterday for the time period of XX/XX/XXXX to XX/XX/2022, the purchases were split in two sections, one for standard purchases subject to the standard APR of 20.24 % and one section with the promotional purchases, subject to the promotional interest rate of 3.99 %. 

Inexplicably, the only purchases subject to the promotional interest rate totaled {$590.00}. The XXXX XXXX tickets were NOT included under promotional purchases and instead were included under the standard APR, thereby completely deviating from the offer that was provided to me and presumably other cardholders. 

I contacted Barclays USA today and wanted this issue rectified. The representative on the telephone confirmed that the XXXX tickets were not included in the promotional purchase section and provided with the lower interest rate. Her " explanation '' was that " these major XXXX do not have a deal with Barclays, so you can't get the lower interest rate. '' This is extremely deceptive, illegal marketing, since : a ) The offer did not distinguish or even mention some type of " deal '' or even marketing relationship necessary with Barclays to enjoy the lower interest rate b ) The representative was asked to locate the offer on the website, she stated that " we can't find it, but trust me, you have the offer, don't worry. '' Since the interest rate needs to be recalcuated and the purchases properly allocated the promised interest rate, I am turning to CFPB to investigate and remedy this gross violation of terms. 

Thank you XXXX XXXX
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00}, SXXXX 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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS 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 I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-12-04
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: Monterey Financial Services LLC (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 


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

15 USC 1681 Section 604 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 payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

After an accident my car was totaled. My insurance company offered {$12000.00} which I accepted. I still owed {$6000.00} .Hyundai finance would not release the title of the car unless they received the full settlement and told me that they would refund {$6600.00} to me after payment. They cashed the payment from the insurance company on XX/XX/2021 .after many phone calls ( they do not have a email address ) I am always told that a request for payment has been sent to the payment department. No payment has been made as of XX/XX/2021.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (MT)

NATIONAL CREDIT ADJUSTERS , L.L.C have been harassing Me and calling me none stop. I've notified them of my account being fraudulent and have also notified XXXX. Neither one of them will remove this account from my credit report. I've done everything I can to get these people to stop harassing me but they dont stop. This debt they said I owe is not mine. They dont even have a Cotract From me. They have been violating my rights and have continued to make fraudulent claims against me. I want this to stop and this company removed from My credit report and they must pay for the illegal actions they perform on a daily bases.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Exclusion of Information from Credit Report Dear, Equifax & XXXX XXXX , I am writing to formally request the exclusion of specific information from my credit report, as I believe it does not meet the criteria outlined under the Fair Credit Reporting Act ( FCRA ) for inclusion in my consumer report. 

According to 15 U.S.C. 1681a, a consumer report does not include reports that contain information solely related to transactions or experiences between the consumer and the person making the report. I believe that the following information in my credit report falls under this exclusion : XXXX XXXX XXXX account # XXXX should be excluded, meaning it's not supposed to be on there. I did not give Equifax written consent to share my personal, financial information with XXXX XXXX. XXXX XXXX 's a Private financial bank. 

I kindly request that you review my credit report and remove this account accordingly. Please send me a confirmation once this information has been excluded, and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NY)

I had sent you a letter previously regarding some negative information on my credit report. The letter was sent out. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier I even sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified. The accounts are listed below I demand you to comply with the law under the Fair Credit Reporting Act. Send me an updated report after the accounts are removed. Thank You, I know you guys are working hard during COVID. God Bless!
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MN)

I contacted Diversified Adjustment to dispute the debt. On their notice is explicit writing that says call or write us to dispute the debt. Their customer service rep said I could only do this by visiting their website but it clearly states that I can do this by calling them directly.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dyck-O'Neal, Inc. (ID)

I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AE)

I am writing to express my deep frustration and dissatisfaction with the handling of a fraudulent {$990.00} transaction that was drafted from my account on XX/XX/year>, under the name of " XXXX. '' Upon noticing this unauthorized charge, I immediately reviewed my XXXX account and found no record of such a transaction. Concerned, I promptly contacted Navy Federal Credit Union to report the issue. 

After filing my claim, Navy Federal took the necessary step of issuing me a new debit card, yet my claim was ultimately denied. When I followed up with XXXX directly, they confirmed that there is no trace of this charge in my transaction history, meaning it did not originate from my XXXX account. Despite this, Navy Federal refuses to acknowledge the fraudulent nature of the transaction and has failed to refund the {$990.00} to my account. 

As an active-duty military family, those funds are essential to our household, which supports XXXX people. The refusal to refund this amount not only places undue financial stress on us but also reflects poorly on the integrity of Navy Federal 's commitment to protecting its members from fraudulent activities. We have entrusted our financial security to your institution, and the lack of support in this matter is deeply disappointing. 

I request that you immediately investigate this claim. We can not afford further delays in resolving this issue. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (OH)

Refinanced all credit cards and the loan from Lending Club. I have called them 7 times and I was told a XXXX  would get back to me. I have also sent numerous e-mails, with no resolution. Its is my understanding they have had the check over a week. It had the appropriate account number but did not reflect my name. The check came from XXXX for {$19000.00}. The exact amount left on my account. 

They asked for a copy of the cancelled check. They claim they could not post to my account, until this was received. I sent the Tiltotal letter along with the check number. XXXX advised me this should be more than enough to have the amount credited to my account. 

I am approaching my next payment date. I truly feel they are dragging this out. Just want the check applied to my account and to be done with this crazy situation. Each time I asked for a XXXX  possible 3-4 times I was told that none were available. 

No responding e-mails and -0- phone calls, returned to me.