davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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. (GA)

On XX/XX/2020 I drafted a letter to Experian entitled Validation of Debt request. USPS Mailing No : EJ XXXX XXXX XXXX US which was delivered on XX/XX/2020. 

Experian is reporting a Inaccurate Account entitled : XXXX XXXXXXXX XXXX  which seems to be an eviction. Which is not my account. Experian did not respond within 30 days so I personally called Experian on XX/XX/2020 ( conformation of call number : XXXX ). The customer service rep that I spoke with stated that even though it had been well over 30 days they did not have any update on the investigation I opened for XXXX XXXX XXXX I verbally requested that the account be immediately removed because Experian could not Validate the Account within 30 days. 

On XX/XX/2020 I drafted another letter entitled No Response within 30 Days FCRA 611 ( a ) ( 5 ) USPS Mailing No : XXXX XXXX XXXX XXXX XXXX received by Experian on XX/XX/2020. 

To date, I have not received any letters/results from Experian regarding my letter dated XX/XX/2020 ( the original investigation request ) nor have I received a letter/response for my letter dated XX/XX/2020 asking for the item to be removed due to not being able to validate within 30 days. 

Experian is in violation of the FCRA and could not and still can not validate the debt yet the item is still on my report. 

Please see attachments.
Consumer complaint received 2022-03-11
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. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Cactus Jacks Auto Sales (AZ)

I have had my vehicle with this company for about 2 years now and I pay my car note every single month it is automatically deducted from my checking account on a monthly basis, the XXXX of the month. I have never missed a payment to where my account has been over 30 days past due yet the company keeps reporting to the credit bureau that Im 30 days past due on my account. There is no way i could be if my account is paid the XXXX of every month. I had gotten a lawyer to help with the situation and my lawyer advised me to pay them {$410.00} every month on the XXXX instead of {$390.00} which is what i was initially paying. I started making the payments of {$410.00} on XX/XX/XXXX which covers me for the full month. I initially had a {$260.00} credit with the company because i had over paid them. This information was confirmed to me by their employee XXXX at XXXX on XX/XX/XXXX, my car note was not due till XX/XX/XXXX i was all paid up with a XXXX  balance due and a {$260.00} credit on my account. XXXX XX/XX/XXXX {$410.00} was withdrawn out of my bank account. Now all of a sudden the company is claiming that my payments are behind yet i had a credit and car note has been fully paid on the XXXX of every month since i had the car. The company can not explain to me what happen to the {$260.00} credit all they keep saying Im a week behind on my payments but no one knows how. They are calling my family members that i have listed as a reference and have been told multiple times to stop calling, sending text messages multiple times a day everyday to my cell phone without my permission, leaving voicemails on my phone stating this is an attempt to collect a debt and i need to contact them before the end of business day that day or my account will be transferred over for repossession yet again this is not even a 30 day time frame they claim account suppose to be late and my account os paid for the full month. They make false reports to all three credit bureaus and say Im 30 days behind which is effecting my credit and the account is not behind at all.
Consumer complaint received 2022-07-28
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

After graduated with my XXXX from XXXX XXXX College. I decided to continue my journey and go for my XXXX  right after. I was told that my private ( Sallie Mae ) loans would be put on hold for the meantime until I finished school. Once I finished up school and began to look for a job that could afford the loans and support me my loan kicked in. At the time I only owed about XXXX which was understand able for the type of education that i received in the matter of 5 years. One afternoon, after doing research and calls. I reached out to Sallie Mae to let them know that the job that I got I wasn't making enough to be able to pay the month balance. I was then told by the agent. " We offer a program where we can put your loan on pause for a certain amount of months. '' I was then told this would be good for me because I could focus on my other loans and bring them down so that I could have more room to pay the monthly with Sallie Mae/Navient. About a few months later I recieved a email, letter, phone calls stating that my payment was due on a certain date for 3x the amount that I couldnt afford the first time. I reached out to Sallie Mae and Navient and they told me that the loan was put on pause but that the interest was still building up in the back. I went from XXXX to XXXX. In a much worse situation that I was in to begin with. I got tricked into that forbearance plan. 

Please help me. I don't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient / sallie mae. I know I am not the only one. These people are thieves. I will be paying these debits off until I am XXXX years old. It has delayed me from buying a house, settling down and starting a family.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC (WI)

Called from XXXX company called Capital Link Management in NY. Called my business line and left a very threatening message that they needed to talk to my attorney today, blah, blah. Very rude tone of voice and trying to " strong arm '' someone. I called back and it was for a debt for a person not at this number. Then they thought they were cute and started asking if I knew this person, etc. I don't want them calling my number again. This is a business and I don't have time to waste talking to bottom feeder bill collectors. I do not owe them any money.How is it even legal when my voice mail message clearly states this is a business?? Isn't leaving random messages for debtors on unknown phone numbers a violation of the FDCPA?
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a complaint to XXXX  and Transunion on XX/XX/2019 regarding my XXXX XXXX XXXX - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Consumer complaint received 2019-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

RECEIVED STATEMENT FROM NISSAN MOTOR ACCEPTANCE CORPORATION DATED XX/XX/2019 THAT SHOWED PAYOFF AMOUNT OF {$19000.00} GOOD UNTIL XX/XX/2019. 

XXXX XXXX XXXX PAID AMOUNT ON XX/XX/2019. 

RECEIVED STATEMENT DATED XX/XX/2019 FOR {$56.00}. I CALLED AND TOLD THEM TO SEND ME LIEN RELEASE, PAID FINANCE AGREEMENT AND LOAN AMORTIZATION SCHEDULE.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

On XXXX, I received a response from Equifax regarding CPFB complaint # XXXX. After viewing the complaint CPFB suggest I contact Equifax in regards to a third party authorization. After CPFB suggest I contact Equifax to give Authorization to the third party regarding this case. I wasn't given any other information on who I need to give authorization too. At XXXX XXXX, I called Equifax at XXXX, my call was answered by an Agent name XXXX. After I explained my reason for calling. XXXX ask several questions but refused to take my authorization to allow any third party to my case, update my credit file information such as my phone number, addresses, etc. I carefully explained to XXXX he needed to contact CPFB to respond to the complaint. He refused to contact CPFB as well. He seem to have taken this for a joke. On XXXX, This case was closed by CPFB the same day the response came back from Equifax. I wasn't given a chance to go any further with CPFB regarding my case. I need to proceed with this case because Equifax has not corrected the information in my credit file. My case was not solved.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX has been deleted of my credit file/ report from XXXX  and I am requesting the same for Transunion and XXXX . This has been an ongoing dispute and long process with Transunion and XXXX. XXXX XXXX has held me accountable for unauthorized interest charges, late fees and charges that accumulated after this account/ card has been reported fraudulent and has continued to be left open for accumulated charges, interest charges and late fees informed for this company to get funds from me not owed. My information was compromised in the XXXX data breach in 2017 and also in the recent XXXX  data breach. I am currently conducting a XXXX Settlement through XXXX for this matter. I have also did a Identity theft report, filed numerous disputes with them that has been unsuccessful due to them trying to collect moneys not owed to them. I have also been harassed on many occasions.This account should not be still reporting and should be deleted off my credit report with Transunion and XXXX as this is damaging my credit and not accurate. The balance on this account owed is XXXX dollars and I was informed that this account will be deleted off my credit file as XXXX did already. Please see attached documents
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

I do not owe the debt, I have proof of everything. This company Phoenix Financial Services already had my alleged account on XX/XX/XXXX but they are reporting it as new on my report as open date XX/XX/XXXX. That is a lie. I have derogatory evidence from my credit file from XXXX that proves they previously had this account with same amounts. They keep passing this account between XXXX XXXX XXXX and back to Phoenix just to update it to my credit report. I will never pay the amount cause it is not my debt. They are wasting their time and money on me. And the attempting garnishment of my credit better stop or I will have no other choice but to bring a lawsuit against them for my rights violation. Thanks
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (AR)

On XX/XX/2021 a charge of {$990.00} was taken out of my account by a XXXX Disaster Pro This was never authorized. I called Simple bank and told them immediately it took them 10 days to send me and email saying Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. 
The reason ( s ) for denial : There is no evidence that an error took place. So then I called the merchant after having to look it up online because it didn't provide a phone number to my bank which the guy spoke with on the phone said that that was strange. I called XXXX disaster pros it pretty much went straight to a voicemail nobody ever answers they never call you back and then I emailed them and they said Hi XXXX, Thank you for getting in touch. 
Unfortunately, I have no way to verify if you did or did not. If you feel someone may have stolen your information then you need to file a police report and send that to us. 
Have a nice day! 
XXXX XXXX XXXX XXXX Customer Support I sent them an email back saying How can you work on somebody's loan application if you can't see who put in that loan application cuz obviously who put in the loan application is not the same person that's on the bank account cuz I know I didn't sign for anything so how am I supposed to file a police report The only name that I have is y'all 's name so do I file a police report on y'all I guess I'm going to have to if I don't get my money back. And have never gotten a response.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2022, between the hours of XXXX and XXXX, my vehicle was broken into and my work bag was stolen. XXXXnside was my wallet containing all of my personal identification including my social security card, drivers license, bank debit card and other personal cards/documents. On finding the break in we immediately cancelled the debit card and reported it stolen and filed a police report. Despite this, the following day while we were in the middle of fixing our broken window ( we do have documentation to prove this ), at XXXX at a branch in XXXX XXXX TN, my drivers license and debit card were used to access our Regions Bank account and {$650.00} was taken by someone using my identity. We found this out when the transaction popped into the account the following day and we couldn't pay our rent or cell phone bill. The same day my husband reported the illegal transaction to the bank via the customer service help line and followed up with the local branch manager the following day. 

According to bank policy stated on their terms and conditions, they have 10 days to investigate before they need to put the " temporary '' funds into the account while they finish the investigation. Despite numerous attempts on my part, my husband 's part, the local branch manager 's part, and even the detective and security personnel involved questioning this, no further information has been provided by the bank nor have they returned the funds, even temporarily. The detective assigned to the case was able to get still photographs of the transaction through the drive through at the bank and it clearly shows a vehicle not belonging to us, registered to a woman in XXXX, TN, driven by what appears to be an older male gentleman who used my stolen identity to access my account. Nobody involved can figure out why the bank is refusing to give us answers and give us our money back. We are on business day 15 since the theft without resolution and this is causing a severe financial hardship for my husband and I. 

I am attaching the preliminary police report below and the fraud claim number from the bank is XXXX.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (FL)

I had an account with Robinhood, and i was having some business difficulties in paying some bills so i applied for the PPP Loan. 

i successfully passed all the process and was approved of the loan. i got the deposit in my Robinhood account. Going forward i tried to order some goods overseas with some of the amount i got from the PPP loan to help boost my buisness and suddenly Robinhood restricted my account from withdrawal.

Its been going to 3 weeks now with lots of complaint made and also submitting all requested documents and identification methods asked by the Robinhood support system, only to be sent a mail today that my account will be permanently closed and money returned to the originator. Funds i will be liable to pay back, that i have already started using. This whole while i submitted every single document asked of me to verify my account and also make sure i sort this out. 

But they have decided to close my account in a fishy manner and return my already Approved loan which i have used more than 40 % already. I see this as an unfair move to make life miserable for small business owner like me.
Consumer complaint received 2022-12-28
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. (FL)

had an account with XXXX  XXXX and on mulit atemps to use card payments and use of card was declined when i paid what they said was owed it was not reported to the card the day it said it would be and it resulted in fees being charged to me by my bank and my account with the bank being in risk of being closed. i was contacted by XXXX  XXXX customer collections saying my account was closed then recieved a statement saying i owed them a payment. then on XX/XX/XXXX got a calls saying that my account is not closed and demaning payment ; which is in violation of the 15 USC 1692d Harassment or abuse. also the fair credit reporting act 1666b ; and 15 U.S.Code 1692k civil liability. I have reached out to the billing error department in writing and via email also with no responce as of yet and i do know that accourding to the HJR 192 that was replaced with 31 U.S. Code 5118 Pub. L 97-258 that all debt is that of the United states according to the Gold clause & consent to sue. they have also not remitted any of my payments to me or my account but they send a statement each month of the intrest they have recieved on my account but again i have reciereved no credits to my account and the sercuities they exchange act and mail fraud has also been violated with improper delivery of this incorrect form
Consumer complaint received 2022-09-27
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.