davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENTAGON FEDERAL CREDIT UNION (IL)

PenFed is in violation. They have marked my credit file with a repossession. My vehicle was never repossessed. In fact, I had a Covid 19 hardship that did not expired until XX/XX/2021. They claimed the vehicle was repossessed on XX/XX/2021. I was never notified of anything until XX/XX/XXXX and when I was notified, I immediately called and I was told that the information was incorrect and that the vehicle was not in repossession and to simply ignore that document. I lost my job and was unable to pay for my car that is why a hardship was granted to me. I was also given XXXX XXXX through PenFed as insurance because I couldnt afford insurance while being laid off due to Covid 19. The insurance only covered the vehicle in the event it was damaged or totaled the insurance was cover my entire costs for my vehicle. 

On XX/XX/2021 I was hit by a drunk driver and the car was totaled. The drunk driver also ran my physical body over with his vehicle fleeing the scene. I informed XXXX XXXX and I had the vehicle towed to a body shop out of my own expenses. The insurance company came out and told the body shop to fix the vehicle if it could be fixed. They gave me {$13000.00} in my PenFed bank account for the body shop to pay them for the repairs and their time and work. The body shop took the vehicle apart and noticed it was unable to be salvaged and had the insurance come back out and they totaled the vehicle out. They body shop charged {$4900.00} for their time and work. However, PenFed was refusing to pay the body shop until the threatened to put a lien on the vehicle. PenFed still has the {$13000.00} issued by XXXX XXXX. They are claiming that they paid the body shop {$4900.00} through their money and not the body shops {$13000.00}. And that is why it is legal to put it as repossessed on my credit file, although my insurance already sent over a check to cover the {$4900.00}. 

Again the vehicle was never repossessed, because my loan was under a hardship due to Covid, the vehicle was totaled as of XX/XX/2021, and I was never informed of PenFed going to get the vehicle. And even if they did, the insurance paid for the body shop and paid for the vehicle. 


Please call me if this is unclear. PLEASE HELP ME. XXXX
Consumer complaint received 2021-10-09
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. (NC)

On XX/XX/21 I wrote three letters, one to each of the reporting agencies, XXXX, Equifax, and XXXX. In each of the letters I listed inaccurate addresses, accounts and names that did not belong top me or that were not being reported accurately. By law we all know that any accounts reported on my consumer report must be reported accurately and fairly or else it is subjected to being deleted from my consumer report. Attached are the letters that I mailed to each reporting agency. I also sent out re-investigation letters XX/XX/21 in attempt for the agencies to actually do their job and do an actual investigation and correction of the items that I asked them to verify. I expect these items to be deleted and corrected on my report, I've spent much time in going over my report and recognizing these mistakes on your part, the least that your company can do is correct them. Ive attached the letters sent on XX/XX/21 and pictures and the actual reinvestigation letters sent on XX/XX/21.
Consumer complaint received 2021-10-09
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: Oklahoma Student Loan Authority (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 120 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account : DPT ED/OSLA-XXXX-Balance {$1900.00} OK STUDENT LOAN AUTHOR-XXXX-Balance {$1900.00} DEPT OF EDUCATION/XXXX-XXXX-Balance {$1900.00}
Consumer complaint received 2021-10-09
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2024-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am unable to access my credit file and score through TransUnion. I have tried every week and have been denied access. Representatives have provided a variety of excuses or explanations, ranging from codes and escalations to system being or my computer being faulty. I have attempted to access from two different laptops with two different operating systems, and four cell phones. Recently, a representative informed me that he delete my and that could recreate it in 7 to 10 days. creating a user ID and password using the correct information, I am still unable access the credit file. I have made phone calls and escalation calls, yet after months, I am still denied access to my TransUnion credit and score even today.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the XXXX data breach.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding Jefferson Capital Finance I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. I have called on XX/XX/XXXX to XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different ACCOUNT numbers. Jefferson Finance has not responded to any request for validation information. Again seeking information such as signatures of loan, bank account info, addresses, payment history. Not just a letter stating accurate without showing proof of an account.
Consumer complaint received 2021-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
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: Rocket Mortgage, LLC (FL)

Quicken loans/rocket mortgage pulled my credit with a hard mortgage inquiry without my knowledge or consent on XX/XX/2021! I have tried to resolve this issue with the institution without any success. This matter is very upsetting to me and I feel violated that a company could even go to the extent to pull my credit with a hard inquiry without my knowledge or consent!!!
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (DE)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERASSIST AR SOLUTION ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

.
Consumer complaint received 2021-10-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-08
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. (SC)

On XXXX XXXX I sent in a complaint about credit reporting agency Equifax. I feel that they did not investigate the inaccuracy of the Bankruptcy on my credit report. I have found several inaccuracies. The date filed is inaccurate, the closing date is inaccurate, it does not list what type of court on the credit report it just states Federal court, the status of bankruptcy says discharged while XXXX states dismissed. They have failed to show me proof on paper how this is being verified.
Consumer complaint received 2021-10-08
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. (SC)

XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NV)

On around XX/XX/XXXX I sent communication to Respondent by letter involving a credit card balance of {$15000.00} account ending XXXX ; cease and desist, affidavit of truth, debt validation, invoice. respondent  recieved mail on XXXX XX/XX/2021. 
On XX/XX/XXXX, Respondent sent Old statements, cover letter, and the respondents disclosure policy. 
Respondent has failed to perform after receiving the presentments from myself XXXX XXXX XXXX has failed to perform by providing the neccesary Proofs of Claim after receiving Presentments and have chosen to dishonor me.
Consumer complaint received 2021-10-08
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. (OR)

XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

This time I want evidence to support Synchrony Bank/ Mattress firms claim or I am filing a civil law suit in my local court. I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a XXXX XXXX XXXX complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XX/XX/XXXX is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in Ohio my entire life except for when I moved to Texas at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit . My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not identity theft.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WV)

This is a follow up to complaint number XXXX. Though ExperianXXXX did called me and said they were sending my consumer disclosure I never received this. I indicated this several weeks ago when the above complaint was closed. I asked them to plz forward another copy. 

This is my 4th request. 

Many thanks!
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

A phonenumber claiming to be Wakefield & Associates calls repeatedly telling me that I owe money on a debt. This debt is not in my credit report, and they have never sent me any notice of this debt prior to the calls. They have been calling me for months. When I asked for verification and additional information on the creditor, I was given very vague answers and told to send a request via email. Never received a reply. They are still calling. They also have incorrect information about me. I keep track of my medical debts and have a good credit score. You would think they'd be willing to provide information about the debt if that's all it would take for someone to pay it ... Sure does make it seem like a scam!
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off and collection on my credit report. This is disappointing because I has been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all these time just today I have a charge off and collection that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this charge off and collection accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was approved for Capital One Platinum card in XXXX of XXXX. I have continuously been deprived of online access and cant even log in to make a payment or view transactions to see if they are even mine or for the correct amount. I had been granted a legal name change under a sealed court record due to XXXX  XXXX and XXXX  back in XXXX and I have repeatedly sent Capital One a copy of my identification and an explanation about name change, if thats even a problem. I spend 2-3 hours at a time on the phone with Capital One, get transferred around the globe and nothing gets resolved. I input my cell phone number ( which is prepaid because its cheaper and keeps me safe due to XXXX  XXXX ) and Capital One has the number linked to my profile but the online system does not like my number.

Capital one is the only credit card provider Im having a problem with. No one else has identity issues or problems with my number or giving me online access.
Consumer complaint received 2021-10-08
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: OneMain Finance Corporation (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.