davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (TX)

This company has been inaccurately reporting my status. Ever since XX/XX/2018 I hired XXXX XXXX XXXX as my power of attorney to help me settle my XXXX XXXX. I will be attaching all the documentation. They were constantly being contacted by the law firm to try and settle but they kept refusing. However finally recently when Covington credit used a XXXX party collection agency, I was finally able to settle my debt with Covington credit for {$390.00} paid in full mid XXXX. 

This company knew that my lawyer has been trying to settle with them. I understand that I was behind in my payments but to indicate my account as charge off when they knew I was under contract with XXXX XXXX XXXX seems very unethical. Plus, I was to make no contact with them individually per my lawyers request. 

I have attached as much documentation as I could. I should not be penalized for the lengthy and grueling process of the back and forth of settlement offers between my lawyer and Covington Credit.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC. (PA)

I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX   almost 13 years ago from Sallie Mae. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my Sallie Mae loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports
Consumer complaint received 2020-04-17
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. (LA)

ftc violations all XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Hippa violations : Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   XXXX  Original Creditor XXXX AT XXXX XXXX Status Open Opened Date rted XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Medical civil violations Account Details Last Reported XX/XX/XXXX Collection Agency XXXX, XXXX Original Creditor XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$470.00} High Balance {$470.00} Remarks --
Consumer complaint received 2020-04-17
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. (WI)

I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX  and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX sent me a letter in my complaint saying they are reporting to experien. I have included it with this dispute!
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My credit score dropped 200 points in one year when nothing has really changed as reported by all three credit bureaus. 

I moved from XXXX  to XXXX  in XX/XX/2019. In XXXX  I had a house that I bought for {$86000.00} and I owed {$40000.00}. I sold the house and moved to XXXX. In XXXX, I was with XXXX  XXXX XXXX and had one credit card that I owed a thousand or so but paid all when I sold my house. 

I bought a house in XXXX  for {$76000.00} and now owe about {$40000.00} on it. There are no XXXX  XXXX XXXX banks here so I transferred my account to XXXX XXXX. With XXXX I have the same checking and savings like in XXXX. I have one credit card with XXXX and owe about {$2000.00}. 

So everything is almost identical except I live in a different state and my bank and house changed. 

Another problem is hard inquiries to the credit bureaus by XXXX XXXX. The inquiries stay on for two years and also cause a drop in score. XXXX XXXX makes a hard inquiry about every 15 months so it is a constant hit on my credit. I have not for 20 years even applied for anything from XXXX XXXX.
Consumer complaint received 2019-03-01
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)

I contacted the creditor ( XXXX ) directly and they agreed that the account information did not belong to me. I provided them with all documents requested and they sent me a letter stating I was not responsible for the debt. I forward the letter from the company to Equifax and they still would not remove the account. They actually made the account a paid collection which is hindering my FICO scores. It is not my account and it should not report on my credit file. It was a case of identity thief. 

I have proactively put a " Freeze '' on my credit file to help mitigate the risk of fraud. This is the third ( 3 ) time I have fallen victim to this crime and I am suffering financially every time I apply for credit. This is my  very last option.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC (VA)

XXXX XXXX does not operate in my State of Virginia. It is illegal and also illegal to come after me but they keep selling my so called debt and putting it on my credit reports AFTER I HAVE ALREADY HAD IT REMOVED!! It was just recently been put back on my report in XXXX of 2023 and that is a complete falsehood.
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Management Outsourcing, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (CA)

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 15 USC 1681. 

Has Violated my rights 1. PENTAGON FEDERAL /Account number # XXXX 2. PENTAGON FEDERAL/Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NJ)

My federal rights granted under the Fair Debt Collection Practices Act have been violated since the start of the process : -- on XX/XX/2019 I was notified by the XXXX XXXX XXXX XXXX about a debt I do not owe, for {$390.00} : a ) Original creditor : XXXX XXXX XXXX   XXXX XXXX b ) Collection agency : IQ DATA INTERNATIONAL IN The alleged collection account was opened on XX/XX/2019 I have never been contacted by neither The XXXX XXXX nor by the IQ Data, therefore they violated my right, granted under the Fair Debt Collection Practices Act, to seek the debt verification. I do not owe this debt. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and address of alleged creditor. 
6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Verification that this alleged debt was assigned or sold to collector. 
12. Complete accounting of alleged debt. 

Also note : a ) XX/XX/2019 I sent The XXXX leasing office a Lease Termination Letter | 30-Day Notice In Accordance with Section NRS 40.251, On Fri, XX/XX/XXXX, XXXX XXXX  the XXXX office emailed a confirmation without objecting b ) all my payments were done in timely manner and in full c ) I vacated the apartment on XX/XX/2019 after having it thoroughly cleaned by the professional service. 

The apartment was therefore left in immaculate state, with all utility services disconnected in a timely manner and all rent dues paid in full. I do not owe that alleged debt.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of Education/XXXX XXXX I believe that the Department of Education/XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. 

The details of my complaint are as follows : 1. Creditor 's Name : Department of EducationXXXX 2. Account Number : XXXX 3. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of EducationXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, Experian, XXXX ]. 

Furthermore, I have noticed that the Department of Education/XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. 

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of EducationXXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. 

I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of EducationXXXX adheres to its reporting obligations and corrects the interest charge. 

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WA)

I am a XXXX XXXX  in severe financial distress due to Stay at Home orders. I have filed all relevant SBA and FEMA applications with my bankers. In the course of contacting my personal creditors, I contacted US Bank regarding our XXXX  XXXX  XXXX  MasterCard. They indicated I do not qualify for their Covid-19 relief program because of late payments. 

I have paid all of my payments on the due date or one day before via ACH on their website for years. It turns out, the don't post payments made via ACH on their website for up to 1 business day and always after the weekend. I had no idea I was racking up late fees while paying on time. I am incensed in frustration to discover they were " floating my payments '' to my detriment and charging me late fees. 

They are now using that as the disqualifying reason that they will no extend me the payment deferral that every single other creditor ( dozen plus ) has extended to me including tier 1 and tier 2 credit  cards and banks. This is at least an abuse of their treatment of payments to their benefit. It is a worst a slap in the face to me as a business owner in legitimate distress. This is a matter principle. The payment that they would defer is only {$66.00}. And yes, that {$66.00} matters to me this month by never mattered enough in the past to even notice the egregious late fee policy. 

Again this is a matter or principle. If they are doing this to me then they are doing it to millions of patrons who think that a ) paying their bill on the US Bank Website on its due date is paying as- agreed ; and b ) they are refusing to offer relief when it is most needed. Moreover, their agent on a recorded calls demanded that i pay the {$66.00} that I was not able to pay in XXXX  ( when I could not get through on the phone to them after five days of trying ) and that if I paid that {$66.00} then I the payment deferral program would be extended to me. I want the call recording pulled and staff held accountable. The supervisor was self rightous at best and implied that if I had been a reliable customer, then they would have offered me the program. I have been shopping at XXXX  since it opened. I have been a US Bank XXXX card holder for many years. I had not Idea i was getting stuck with late fees for paying what appeared to be on time and only would have realized it if it ever showed up on my credit report ( which it never has ). They are splitting hairs and charging material inappropriate fees.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, XXXX  and TransUnion ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX 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.