davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Purchase made XXXX  at a small merchant kiosk in XXXX XXXX while on vacation for XXXX  XXXX  for a total cost of {$7.00}. Merchant did not provide receipt. Upon return to the United States, discovered that the charge to my Capital One credit card was for a total of {$7000.00}. Attempted to reach out to merchant, with no response. Filed a dispute with Capital One credit card, and they requested additional information, including a receipt. Provided written response, along with detailed information about the transaction and explained that no receipt was provided. I reached out to the merchant again to request a receipt, with no response. Capital One credit card denied the claim, and is holding me responsible for the full amount of the fraudulent/error charge. This charge is fraudulent, and Capital One will not pursue the merchant for information or proof of large amount of charge and is holding me responsible even though their dispute protocol states on their website that they will reach out to the vendor to request proof of sale.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (ME)

On XX/XX/XXXX I requested copies of my consumer reports from XXXX, XXXX, and XXXX, and as I was analyzing the reports I noticed that there was a collections account from : Account # : XXXX Debt Collector : Jefferson Capital Systems XXXX XXXX XXXX. 
XXXX XXXX MN XXXX stating that I owe them an alleged debt that I have no knowledge or recollection of owing them. I was never contacted about the alleged debt, nor was notified of my right to dispute. They opened the account on XX/XX/XXXX according to XXXX, but they never notified me of my consumer rights under the FDCPA. 
They then reported it on XX/XX/XXXX again without notifying me or communicating through mail, email, or in person. To my understanding, after XX/XX/XXXX debt collectors are suppose to let the consumer know that they have a debt, and record any proof of non delivery to the consumer. In my case this was never done. I never had the proper opportunity to dispute the debt they say I owe. This is the reason I did not contact the company. They've violated my consumer rights under the FDCPA. So I am filing a complaint with the CFPB.
Consumer complaint received 2022-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OK)

I pay XXXX dollars a month only XXXX dollars is going towards The loan that is criminal to me italso seem that net credit takes advantage of people desperate. For financial help. Thank you XXXX XXXX
Consumer complaint received 2022-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

I am in the process of applying for XXXX while looking at my history summaries on XXXX XXXX  I noted incorrect information regarding loans while being serviced through Great Lakes. I called Great Lakes and asked for a status history in which I noted a forbearance XX/XX/XXXX to XX/XX/XXXX, an economic hardship for XX/XX/XXXX until XX/XX/XXXX as well as multiple " administrative forbearances ''. Also had XXXX consolidated loans and XXXX XXXX loans when I was transferred to Great Lakes but according to their records I have XXXX loans, but only sent a status history of XXXX when I requested XXXXI applied for income driven in XX/XX/XXXX, at that time my monthly payments were zero dollars and most recently pre pandemic I was paying roughly {$50.00} thru auto pay. When I spoke with a supervisor she stated my income driven plan was started in XX/XX/XXXX, according to her it starts when the paperwork is processed. That date is incorrect because my annual recertification is XX/XX/XXXX, as I initially applied in XXXX XXXX  XXXX. I have read about others having these types of inconsistencies with Great Lakes. They are capitalizing off borrowers ' student loans principal and interest from these tactics.
Consumer complaint received 2022-11-05
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. (NV)

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX & XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-10-11
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. (GA)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX as inquiries on my report. In accordance with the Fair Credit Reporting Act, XXXX. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Ive sent multiple disputes to the credit bureaus in regards to my addresses being incorrect which have been ignored just like the letters that Ive sent to them from XXXX. The following addresses need to be removed because Ive already been a victim of identity theft & this doesnt need to happen again. As a result, I have multiple charge offs on my reports that do not belong to me
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Im 2020 my vehicle was totaled Navy Federal Credit Union was the Lienholder. Without our knowledge XXXX XXXX sold the from underneath us illegally removing NFCU and myself from the title and changing the VIN. XXXX. In XX/XX/2020 XXXX XXXX XXXX told NFCU the car isnt totaled and can be repaired, then XXXX NFCU was removed as the leinholder holder ( as stated ) without 60 days notice ( illegal ), as well as now without collateral NFCU is in a bind because 60 days has passed where I am not on the title or in possum of the stolen car and the fact that the VIN was charged ( extremely extremely illegal ), and finally the vehicle was ultimately sold twice, XXXX and XX/XX/2020. Thus making the new owner liable. I have resolved this issue and would like Navy Federal Credit Union comments and account removed from my report as it was previously but just now appearing again.
Consumer complaint received 2022-04-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (NJ)

XXXX  XXXX offer to help me the problem was every time I call or the bank the manager was never available or on another phone call would not return my phone calls or talk to XXXX XXXXXXXX. Some one else answered the phone always some type of drama of trying to get help and they misled me to work with me and XXXX XXXXXXXX XXXX  did try reaching out to the manager it was a no show another person answer the call and mis guided or mis led information to XXXX XXXX XXXX and now the corporation has given me a call XX/XX/2022 telling me that I have to pay XXXX a month. Although the payments went from XXXX to XXXX and the interest rate is 139 %. I try all banks and try to trade it in no one is going to help me anyway the car does not run so I'm stuck and now I'm complaining because I gets phone calls and don't know what to do.
Consumer complaint received 2019-10-05
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)

During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau Equifax and XXXX on XX/XX/19. I received confirmation for Equifax with the tracking number XXXX and for the letter with XXXX   XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with Equifax and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  Equifax and XXXX has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I submitted a complaint on XX/XX/XXXX, to Experian and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

Experian informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

Experian has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide Experian with updated copies of my consumer report since Experian is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as XXXX, Experian, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian refuses to remove a collection account from my credit file, despite being provided with the response to CFPB complaint XXXX which clearly states the collection agency had CEASED ALL COLLECTION EFFORTS on or around XXXX XX/XX/2022. This is a clearly a willful violation of FCRA.
Consumer complaint received 2022-04-29
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)

Equifax does not provide a proper investigation to resolve disputed accounts. There was never any resolution after several investigations when there were several items removed from XXXX and XXXX.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I submitted a complaint on XX/XX/XXXX, to XXXX and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as Equifax, XXXX, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Consumer complaint received 2022-04-29
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery has reported a fraudulent charge as a collection account on my XXXX, XXXX  and XXXX  credit reports, the account has been previously corrected by the credit bureaus and blocked per [ 15 U.S.C. 1681c2 ], Portfolio Recovery changed the account number and/or creditor information for purpose of deceiving the credit bureau and reporting it as a new collection account on my credit reports. I have provided Portfolio Recovery with a copy of my ID theft police report as well as a copy of my FTC affidavit via certified mail and they continue to request documents which have already been provided and have refused to remove the negative information.
Consumer complaint received 2023-07-10
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: Resurgent Capital Services L.P. (NV)

Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC . This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. 
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. 
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXXXXXX  ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (WI)

Over the past 14 months I've disputed a incorrect amount of a collection, via credit bureaus all of which results cone back " vaild debt or amount ''. Today with acknowledgment, I recorded the calls w/ LJ Ross collection agency , after XXXX and XXXX both supervisors told me that if I was disputed the amout of debt, the information would need to be confirmed through original creditor. XXXX, when asked how were LJ Ross to render a decision to credit bureaus over the past 13 months, WITHOUT verifying data..no answer was given. Upon calling XXXX  and speaking w/XXXX  he informed me that XXXX  no longer report to credit bureaus effective 2018, futhermore my account is listed as CLOSED, all and any information MUST come from LJ Ross. If LJ Ross is telling you they must call us to get information regarding your account to send you is INCORRECT ... XXXX went on to read XXXX  protocol in how they do not handle, deal or report to credit bureaus and went on to read that all consumers are referred back to the collection agency. When called back to inform XXXX another supervisor about information I just received, he asked that's not true ... and asked " so how much do you think you owe ''?, " we just need to get you a summary of your accont '',. When pushed him as to how this information was NOT already available, considering I made ANOTHER request XX/XX/XXXX, XXXX became defensive stating, I was being threatening '' ... .I called back to XXXX  to express my findings, and they opened another dispute and recommended that I file a complaint with CFPB, due to all the inconsistency.