davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank XXXX XXXX is reporting lates for the months of XX/XX/20, XX/XX/20. Due to Covid, I have suffered some hardships, the majority being financial troubles. I am a very punctual and diligent person about paying my dues and debts. I however, am asking at this time for these late notations to be removed. I have been a very good customer and plan to be a great customer. Unfortunately, during that time, I went through some things. I ask that Comenity Bank takes some leniency on me and remove the lates from my credit file.
Consumer complaint received 2022-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have contacted Experian, XXXX, and XXXX they are currently reporting negative information on my credit report for late payments. The statue clearly states, a late payment can only be reported on your credit report for a period of 7 to 10 years from the date of delinquency from the original debtor. My loans have been in and out of forbearance and no payments have been made on my accounts since 2009. I have been disputing these with the credit bureau 's continuously and have made no progress. 
XXXX and XXXX are the worst, I have called them on numerous occasions and their online dispute is not user friendly. I have been able to have at least 7 deleted from my report by Experian, they are the same accounts still being listed by XXXX and XXXX so they should be removed from XXXX and XXXX as well. 
I have put countless hours trying to get these issues resolved, the retention time of this information has past and should be deleted from my credit reports. 
I am requesting your help in getting proper resolution into these issues.
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Thaxton Investment Corporation (WI)

I submitted to do an application with Heights Finance at XXXX XXXX XXXX XXXX, WI. I submitted an application the beginning of XX/XX/2021. I submitted a credit application over the phone with the employee, had a hard inquiry done. After I submitted all my information and was told I would hear back soon, I got a phone call stating that because my husband is currently an active military member I was unable to have access to any loans. I disputed this as I am the spouse and applied just in my name, with my own income and capacity to be lent to. I was told that did not matter, if any member of my household is XXXX XXXX I would be unable to do a loan. I called back in XXXX seeking a loan because my husband was home from the XXXX and was no longer XXXX XXXX, but XXXX XXXX. I was told again we would be denied because he is in the XXXX XXXX XXXX  they are prohibited from lending to any military member. I disputed this then got a call later from them stating I could risk having my credit pulled but if it showed XXXX XXXX then I would be denied. I was 100 % denied in XXXX and prescreened in XXXX for being a military family. I work in lending at the largest loan lender in the US. I am aware of XXXX and laws and regulations. I was NOT denied due to my credit standings, budget, etc. 
In XXXX it was simply XXXX XXXX spouse, and in XXXX I never went through with an inquiry because I was prescreened that I would be denied if he was still active. They first tried to deny because he is XXXX XXXX. But I disputed. They had no real knowledge of any military terms but only they were told by their District Manager that any military member is automatically declined. I got the opinion Heights Finance does not train their employees well in lending laws. 
To the best of my knowledge this is not OK to deny simply because of XXXX XXXX status. Please investigate to prevent others from being denied opportunities they should be entitled to. I do not understand how a company can flat out deny a military family member access to credit.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments AFFECTED BY NATURAL DISASTER i have been in contact with the people who have this debt thats somehow owed to me the company as stated isnt on this earth they got bought out by another company that has my name but no money is owed to them as stated in the comments of the debt i was a victim of natural disaters at the time i was quoted that i could leave with no repercussions of leaving just for them to be able to put this on my account i have been trying to get rid of this cause its not supposed to be there to begin with but the company refuses to work with me and decdies to dispute it but havent contacted me to give me any information as well i disputed this with XXXX and them too has came back and told me i would need to pay which shouldnt be the case
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-08-21
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-11-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : XXXX PUBLIC UTILITIES ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SVC ( Original Creditor XXXX XXXX XXXX ) XXXX CREDIT SVC ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

I have attempted to get all three credit bureaus to reinvestigate my account and to send me the information I had requested after they investigated. They would send me letters back stating verified every time I have tried to dispute this account due to in accuracies. 

I have sent this letter asking for this information and have not received it.
Consumer complaint received 2021-02-27
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: Velocity Portfolio Group (MD)

I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX XXXX ) XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX ) XXXX XXXX XXXX {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXXn XXXX XXXX. {$120.00} XXXX XXXX )
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I lost my card and was unaware of it being gone until I logged into my capital one account to over {$4000.00} worth of charges all via XXXX. I filed a dispute on all of the charges with capital one that same day. I also received packages on my doorstep and upon trying to return them to XXXX was told that I was not able to because they were not made with my personal XXXX account. Within 2 weeks, the charges were back on my account and I was notified that XXXX gave sufficient evidence that I was involved in these purchases because my address was used for shipping ( and so was my name but it was misspelled ) I called capital one asking to appeal this decision that they made in favor of XXXX and was told that they simply do not have an appeals process. Whats done is done. So now Im being held liable for {$4000.00} worth of charges I did not make and stuck with items I have no use for. Theres no evidence I can give them to change their decision and theyre extremely unhelpful. I will be closing my account once Im able to finally pay off this amount.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have a federal loan from back in XXXX. After I graduated it was through Sallie Mae. Eventually it was consolidated and ended up with Navient. 
I've been paying them and in and out of deferment over the last 10 years or so. I am a single mom with a very low income and when I heard that we would have a chance of having loans forgiven I was so happy. In XXXX of XXXX I called Navient to find out what I needed to do so I could be eligible for the loan forgiveness. They told me my loans had to be consolidated but that I had already done that when I was with Sallie Mae so I didn't need to do anything else. I believe them, because they should understand this, not me. So I waited. And waited. I just found out this week when I called Navient back again that I was supposed to have consolidated my loan somewhere else, but they said it was too late, the cut off was XX/XX/XXXX. I was sick to my stomach. I couldn't believe that they had told me I was going to be eligible back in XXXX and I didn't need to do anything else, only now to to tell me, it's too late, you can't do it anymore. I was so very upset. I believe this loan forgiveness incentive was really targeted for struggling people like me. I have XXXX son about to start college and i'm not even student loan free myself. I really need someone to help me. Please tell me there is a way that I can still be eligible for this.
Consumer complaint received 2021-06-04
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: HW Holding, Inc (TX)

My wife and I applied to an apartment complex aproximately 3 and a half years ago. The apartment denied our applications with fees at XXXX dollars per person that we paid totaling XXXX dollars. Around 3 months later, i start getting harrassing calls from a company called Hunter Warfield saying I owe money to them. They originally stated i owed XXXX dollars and has somehow went up to XXXX dollars. I do not owe this amount and they have been told not to contact me anymore and yet they are still harrassing me.
Consumer complaint received 2023-03-30
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. (TX)

The accounts listed below are not mine and I am not aware of these accounts FTC FCRA violations 15 USC 1681 C-2, 15 USC 1681 C-1. I have previously provided FTC reports to the bureaus and they have failed to provide verification and delete accounts that do not belong to me. 
XXXX XXXX acct # XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX acct # XXXX  {$2400.00}
Consumer complaint received 2023-01-23
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 do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (FL)

aBURNS, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX COMPANIES I XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-12-31
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (CA)

On XXXX I called FIDELITY XXXX XXXX VISA at XXXX spoke to a Rep. to reqeust {$14000.00} overpayment refunded back to my home address. 
Next day XXXX, I called back to confirm, I was told that I had to wait for 14 days for them to review and cut a check mail to my home address. I asked the Rep. that Fidelity VISA needs to keep my money for 14-day, the rep. said she had no idea. 
I continuely called them for 6 times, spoke to different Rep. and their supervisors ; but none of them were able to answer my qeustion but just asked me to wait for 14 days. I reqeusted to have their payment research department manager to call me back to discuss, none of them called me back since. 
On XXXX, without my consent, all the suddent, I received a letter from XXXX from their payment research department indicating that without my consent, she sent {$14000.00} to another fianncial instituation where I did nto owe money to ; not only did she not sending money to my home address, neither the dollar amount was not my original reqeust ( I only reqeusted {$14000.00} ). 
The same day I called again 7th times spoke to their XXXX XXXX, she still had no idea why XXXX did that and told me that a supervisor will call me back ; but no one called me. 
Then, I called the other financail instituation, they said since I did not owe them money, they can not accept money from Fidelity VISA.

FIDELITY VISA is practiceing business illegally, they did not comply my original request, refused to return my money reqeust back to my home address and refsued to provide a reason why per my reqeust; but took 14 days to do illgal action, without my consent, which was never my rerqeust originally.

I'd like to have the comsumer affair dept. to investigate FIDELITY VISA and reqeust FIDELITY VISA to refund my money {$14000.00}, plus intersts of 10 % for holding my money this long of {$150.00}, total {$15000.00} mail to my home address no later than XXXX.