davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (UT)

I have tried to call this company for the student loans, they always tell me to go to the website and I do but find no way on trying to reduce my payments as I do not work, they website takes me on a loop and it never works to reduce or help with the student loan. They are a scam and they call me about 8 times a day but they don't really want to help. When they have helped reduced a loan it was only one of them even though I consolidated them with them. They just seem like a scam.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (TX)

XXXX XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


FRAUDLENT ACCOUNTS : 1. ) XXXX -Account Number : XXXX XXXX. ) XXXX Account number : XXXX XXXX. ) XXXX- Account Number : XXXX XXXX. ) XXXX Account number : XXXX XXXX. ) XXXX Account number : XXXX XXXX. ) KOVO INC -Account Number : XXXX XXXX. ) XXXX -Account Number : XXXX XXXX. ) XXXX-Account Number : XXXX HARD INQUIRIES : 1. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (AR)

XXXX  continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XX/XX/XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (WI)

My payment is always due on the XXXX of the month. As soon as my Social Security hits, I make my payment. For instance, I made the minimum payment that's due on XX/XX/XXXX on XX/XX/XXXX. Today I went online to check my balance and the dashboard says I owe {$43.00} ( which is the amount of the minimum payment I made ) and it's due XX/XX/XXXX. I had to call them to verify that I don't owe them anything due XX/XX/XXXX. They confirmed XXXX payment due, and the dashboard shows my payment made XXXX. But the dashboard says I still owe {$43.00} by XX/XX/XXXX. I was instructed to call back tomorrow to ensure my payment has been received so I can avoid a late fee. Shaking my head. If they can update my charges and payments, why does their web site say I still owe {$43.00} due XX/XX/XXXX? This is XXXX, surely the technology is available to show I no longer have a payment due. Why do I have to make a phone call to know if a payment is, or is not, due?
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

CapitalOne placed a fraud restriction for no reason that they can tell me on my credit card and is asking for sensitive documents ( Social Security Card ) in order to lift the restriction. I've never had to do this for any credit product in the past. They are threatening to close my account for inactivity in 2-3 years if the documents are not provided. I have offered to provide other proofs of identity but they insist on have a copy of my Social Security Card. I find it quite unfair that because I don't want to send my private documents that my credit score will get dinged for having the account closed for inactivity. 

I have spoken with the Fraud Account ManageXXXX " XXXX '' Employee ID # XXXX, she was not helpful in getting my issue resolved and did not care to help me any further.
Consumer complaint received 2019-07-25
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE ACCOUNTS REMOVED.
Consumer complaint received 2020-01-22
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. (MA)

I XXXX XXXX hereby make a legitimate complaint against two collection agencies that are bypassing my rights under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. In 2015, after multiple federal case losses by national collection agencies properly licensed in the state where the complaints were filed, a proposed amendment was filed in the US House of Representatives known as HR6363. That law never got out of committee, but is now back before congress known as HR435. The Credit Access and Inclusion Act is a joke as it states that a public utility is a credit.  To date, it is not considered a credit, and never should be. All public utilities are governed by public service committees in each state. The Fair Credit Reporting Act has never been associated with public utilities. So today public utilities are bypassing a consumer 's rights by assigning any debt collection to a collection agency. The Fair Credit Reporting Act is therefore bent but not broken. Public utilities being posted on a credit report are without exception a violation of the Fair Credit Reporting Act. The governing bodies of public utilities are within each state, and there is no federalism attached to such reporting, either on a standard or sub-standard reporting status under FDIC Regulation 5000. The fact that there is still federal legislation to submit utilities or their collection status on a consumer credit report is not legitimate and will not be so until such a law known as HR435 passes both congressional houses and is signed on by the President of the United States. These posted collections on my Experian credit report are a true violation of my rights under the Fair Credit Reporting Act, which extends to the Fair Debt Collection Practices Act. Both of these collections posted by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act, and both are in violation of their subscriber agreements with Experian in general. These agencies must be sanctioned by the Consumer Financial Protection Bureau for serious violations on credit reporting, and the Federal Trade Commission must cease and desist this activity. Both collection matters must be deleted from my Experian credit report immediately and permanently. Both of these accounts were satisfied, but they should have never been reported on a credit bureau to begin with. DELETE THESE ACCOUNTS!!!.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC (TX)

I purchased a XXXX XXXX XXXX from XXXX in XXXX, TX. To begin with, they sold me the 'wrong ' car. They filled out all the paperwork and went through the credit process and took my down payment, for the wrong car. They had me go through hours of hoops to now return this other car, so they may sell me the correct car. Not only did they tell me one price on the first set of paperwork, they came back with two different prices on th.e next set of paperwork. The amount changed several times over the course of the sale. Now, I have a higher interest rate, due to the fact I had an auto loan on my credit FOR A CAR I NEVER OWNED ( they one they sold me by mistake ) They also told me that the car I was purchasing had a clutch recall. After the sale was complete, their story changed, and they said the clutch was not under recall. I drove it off the lot and within days had to return it for the terrible alignment, and to have the off centered steering wheel - centered. The steering wheel was clearly offset / turned/set incorrectly, and the car was badly pulling to the left. The car also made a continuous burning rubber smell. They took it in and 'aligned ' it. The mechanic told my brother and me that the steering wheel just couldn't be centered on this vehicle due to something wrong with the front end, so it was offset to the left - whatever - i needed a vehicle. I drive it for about a week after that and notice that the headlights turn off / cut completely out when I roll/put the window down ( depressing the power window switch ). EVERY TIME I put the driver window down, the headlights went out. I called XXXX twice about this issue and the broken plastic pieces/arm rests, and door panels. NO ONE EVER CALLED ME BACK. Now, I have this XXXX with a permanently offset steering wheel, pulling to the left, and serious electrical issues. 
I drove the car for about two months, have made two payments, and last week the clutch 'went out'/the car broke down on XXXX XXXX around XXXX XXXX, leaving me stranded, unsafely on the shoulder. I have called XXXX twice in the last week, and have been ignored, and clearly shoved off about the matter. I tried to have them tow it, and use the roadside assistance that i pay for, but they continue to tell me that i need to be at the car and then call them back. NO ONE will help me. Now it is sitting in a tow yard/lot and I am being harassed about the vehicle sitting there and being billed for it. The car has a XXXX-mile warranty, and I have a {$23000.00} debt to American Credit Acceptance ( bank ) on a vehicle that wont drive. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX  text me & mailed me several times claiming I owe them {$30.00} for a copay from my sons visit on XX/XX/XXXX. I called & mailed them documentation proving I paid the {$30.00} copay in the clinic on XX/XX/XXXX using my credit card. Despite this, they turned the debt over to a collection agency- TSI ( Transworld Systems Inc ). They mailed me a debt collection statement XX/XX/XXXX, to which I mailed them to their correspondence mail address on XX/XX/XXXX a copy of my {$30.00} co pay receipt & a request that the harassment stop. Despite this, they again mailed me a debt collection statement again XX/XX/XXXX. Despite providing documentation that proves I paid this {$30.00} copay back on XX/XX/XXXX, I continue to be harassed.
Consumer complaint received 2020-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

HELLO THIS IS XXXX XXXX XXXX MY LAST CONSUMER FINANCIAL PROTECTION BUREAU(CFPB) COMPLAINT NUMBER IS XXXX AGAINST TRANSUNION. I JUST GOT OFF THE PHONE WITH XXXX XXXX WHO IS THE NEXT LEVEL UP SPECIALIST OF THE CFPB ONXX/XX/XXXX TO MAKE HER AWARE THAT I WAS ORDERED BY THE US DEPARTMENT OF HOUSING OF URBAN DEVELOPMENT TO SEND LEGAL DOCUMENTS TO CHA ENFORCEMENT DEPARTMENT AT XXXX TO THE ATTENTION OF XXXX XXXX WHICH INCLUDE A DOCTOR'S STATEMENT ORDERING TO PUT ME IN A BRAND NEW RESIDENCE THAT I FEEL SECURE IN  DUE TO ME AND MY FAMILY BEING VICTIMS OD MORTGAGE FRAUD, IDENTITY THEFT, STATUTORY SCHEME ACTS AND WRONGFUL SUSPENDED DRIVER LICENCES WE WILL NOT LIKE OUR NEW DWELLING IN THE SAME AREA OR NEIGHBORHOOD.
Sincerely: XXXX XXXX XXXX & FAMILY
                 XXXX XXXX XXXX XXXX XXXX XXXX  
                  XXXX XXXX
Consumer complaint received 2020-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

XX/XX/XXXX : The property at XXXX XXXX XXXX XXXX, XXXX TX is tax exempt 100 % XXXX veteran. 

XX/XX/XXXX : Tax statement and XXXX rating letters received and accepted by XXXX XXXX XXXX XXXX and Freedom Mortgage. Escrow Analysis conducted " check to be mailed out '' XX/XX/XXXX - current day ( XX/XX/XXXX ) 15 calls / scheduled call backs / inquires and still no refund of escrow. The company has promised payment numerous different times during these time periods. Freedom mortgages most recent stance on the issue is to pay a " phantom past due '' amount that the company states, they will have to " inquire '' to justify. 

I am a Veteran very confused with the legalities of my mortgage companies financial practices. Looking for help or next steps. The goal is to be refunded all owed monies in escrow that are no longer owed due to zero tax liability.
Consumer complaint received 2020-01-22
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. (OH)

I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (MI)

on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that XXXX XXXX XXXX is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that XXXX XXXX says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XXXX on XX/XX/2019 I spoke with an XXXX XXXX representative by the name of XXXX and her supervisor name was XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.
Consumer complaint received 2019-10-03
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 applied for an auto loan and pulled my credit report to my surprise my score was lower than I expected. When I looked to see what was going on, I noticed items on my report that aren't suppose to be there. A police report for fraud and FTC contact has been previously established prior to contacting you all. Please delete these items as soon as possible : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-10-02
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. (CA)

TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

EXPERIAN REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES XXXX  7 FALSE INQUIRIES AND XXXX XXXX
Consumer complaint received 2019-10-02
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)

TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX TRANSUNION REPORTING 13 FALSE INQUIRIES XXXX  7 FALSE INQUIRIES AND XXXX XXXX
Consumer complaint received 2020-02-16
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. (LA)

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX  XXXX, UNKNOWN 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account , which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXXAccount Number : **Unknown - **Dispute Reason : ** Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : 1. **No Permissible Purpose : ** I have not given XXXX or any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

2. **Inaccurate Reporting : ** The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

3. **Lack of 1099-C Form : ** I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

4. **Improper Notification : ** I have not received proper notification of this collection from XXXX XXXX the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights.

I appreciate your prompt attention to this matter and look forward to your resolution. 

Sincerely, XXXX XXXX