davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items that are harming my credit : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

On XX/XX/XXXX I was in communication with Prestige Financial via text message. I asked what was due and was given an amount of XXXX and was told the interest amount was XXXX. I asked if I made a payment of XXXX when would I be due again, the rep stated this amount would take care of XXXX, XXXX, and XXXX 's installment, which would get me current and back due on XX/XX/XXXX. I made the payment and followed up with the associate who told me I was all good and my payment was processed correctly. Today XX/XX/XXXX I get a text telling me my account is past due and I have to make a payment, reached out to the company via text saying this must be a mistake because I was assured that I would be good until XX/XX/XXXX. Then I was basically bullied and said either I can pay XXXX or my account will continue to show past due. I've asked for them to review the text messages and explain to me why this wasn't explained, and they told me I should've known that they were giving me a discount. But like I explained to them I didn't ask for a discount. I asked what was due and when would I be due again. The company refuses to acknowledge their wrong doings and basically is telling me I have to XXXX it up and pay more money because their the finance company and my car could be repoed and or credit impacted.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2022-12-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (AR)

I am filing a complaint XXXX XXXX for operating a payday loan service in the XXXX of Arkansas and charging customers interest rates beyond the allowed limits in the state of Arkansas of 17 %. Also, under Arkansas XXXX payday lenders are prohibited from providing loans to customers in Arkansas.
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

I received a traffic citation from XXXX County on XX/XX/2019. I paid the traffic citation in full in the amount of {$160.00} on XX/XX/2019. Recently, on XX/XX/2019, I received a collection notice in the mail from Penn Credit Corporation. They claim that I have an outstanding balance with XXXX County Clerk of {$62.00}. I responded to the notice by calling the number provided to explain that I had already paid the amount in full. They asked that I sent proof of payment. I proceeded to email a copy of my receipt from XXXX County. And today on XX/XX/2019. I received a phone call from Penn credit stating that the receipt I provided was not sufficient enough proof of payment of my traffic citation. Now, they are asking that I send over copies of my credit card statement showing that the funds were taken from my account. 

I believe this is a scam because I have not received any correspondence from XXXX County stating that they have not received my traffic citation payment. It seemingly went straight to collections.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

I have never received an original bill for either of the accounts that were listed on my credit report by National Credit Audit. I recall asking for documentation of this quite some time ago however my request was ignored yet these two accounts remain on my credit report! I also made a call and all the agent ( XXXX ) could tell me is the amount that she was told that I owed and that I can pay on their website and theyll give it to the individuals that said I owed these monies to them. Who are they? Why am I speaking with you and not them? Why havent I received any documentation of this said bill? My address most certainly has to be known since this 3rd party company has accessed my credit report so why wasnt any documentation sent? XXXX even went as far as saying that the company told her that they will take a portion of the amount and dismiss the rest what company? Who? Am I supposed to take your word for it?
Consumer complaint received 2023-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Genesis credit management is reporting that I owe XXXX $ which is incorrect I have requested XXXX verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my report
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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
Consumer complaint received 2023-02-20
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. (RI)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX under Account # 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
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

On XX/XX/2022, I reached out to CFPB to resolve an issue I was having with One Main Financial. The complaint ID is XXXX. Due to the nature of the loan or the loan originating out of fraud, One Main Financial agreed to waive all interest and late fees from the account. Per my credit report, they have been reporting the late fees and interest fees after the agreement had been reached. I harassed on a daily about late payments or resuming the payment of the fraudulent loan. When I tried to pay on the balance I was told the account was sent to collections. If the loan was originated fraudulently and One Main Financial is fully aware that this was done on their behalf due to an employee they hired, why are they able to make these reports on my credit profile. I am seeking immediate assistance. I do not think that is ethical they have employees stealing from their customers and then they are able to make reports on your credit profile because they messed up.
Consumer complaint received 2022-11-27
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. (TX)

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.
Consumer complaint received 2022-11-27
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. (AZ)

Experian, Was contacted by via mail on XX/XX/XXXX regarding items on credit report that were not correct and needed to be verified. Letter was sent cerified mail and noterized. Items requested were not removed nor verified correctly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, All stated updated or verified I recieved letters in the mail for XXXX XXXXXXXX XXXX but the letters did not show how were verifed. Nothing was removed at that time. 
On XX/XX/XXXX second letter was sent cerfied mailed requesting to sent to experian to verify how the verified my items on my report, Report XXXX was opened XXXX XXXX XXXX SERV {$1000.00} just was updated, XXXX XXXX XXXX {$650.00} stating verified and updated, XXXX XXXXXXXX XXXX {$440.00} stating updated, XXXX XXXX XXXX {$1100.00} stating updated, XXXX XXXXXXXX XXXX {$5600.00} stating updated. I did not receive letter from experian back stating how they verifed the information nor by whom verified the information, All that was receied were XXXX XXXX XXXX copy of bills, XXXX XXXX XXXX XXXX  ledger of account, XXXX XXXXXXXX XXXX XXXX of account nothing showing how this information was verified nor how it belonged to me. 

XX/XX/XXXX report XXXX third letter was received that was sent by me requesting the information again to show how verified and still not sent how they verified the accounts were verified correctly was opened XXXX XXXX XXXXXXXXXXXX XXXX  {$1000.00} just was updated, XXXX XXXX XXXX {$650.00} stating verified and updated, XXXX XXXXXXXX XXXX {$440.00} stating updated, XXXX XXXXXXXX XXXX {$1100.00} stating updated, XXXX XXXXXXXX XXXX {$5600.00} stating updated. XXXX XXXXXXXX XXXX 

XX/XX/XXXX letter was sent to have correct name and all address and phone removed but current XXXX removed and no names were nor address and phone
Consumer complaint received 2023-02-20
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. (NJ)

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.
Consumer complaint received 2023-02-20
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: BARCLAYS BANK DELAWARE (PA)

A Hawaiian Airways Master Card was opened using my information. 
This is fraud. I noted it on my credit report on XX/XX/23 and asked the Barclay Bank of Delaware to close account and I reported it as fraud. The address associated with fraud account is a XXXX in XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX Barclay Bank XXXX XXXX XXXX XXXXXXXX, XXXX, Delaware XXXX XXXX. 

I have contacted the Barclay Bank on the following dates to close the account and report fraud : XX/XX/23, XX/XX/23, XXXX, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I have received written correspondence ( I gave them my address ) which state that the account is under investigation. Every time I called the credit card company I am told it is under investigation. My credit report through XXXX showed that the account was closed and under investigation. On XX/XX/23, I noted that my credit score fell XXXX points and that the account was open and balance past due. I called again and was told that I would have to wait up to 90 days for the investigation to clear up. 
My credit is declining and the bank is very slow to clear up this matter. It is 100 % the bank 's error to give a card to a person who is not me. I appreciate your help.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report currently contains items resulting from fraudulent activity, from which I received no benefit and to which I did not consent. I have formally reported these fraudulent entries to the Federal Trade Commission, yet they remain on my report. Their continued presence is causing unnecessary damage to my credit standing and personal reputation.
Consumer complaint received 2023-02-20
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. (PA)

A company called XXXX and XXXX is reporting false information to my credit. I have no clue who this company is. I have no contract with this company. Ive never had an account with this company and I do not owe money to anybody. The information they were reporting simply isnt mine, and they were reporting it to the wrong person.
Consumer complaint received 2023-02-20
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. (NY)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (TX)

There is a new company, Jefferson Capital Systems called tried to collect a debt. this company reported the debt collection to XXXX for the third time. The original company is XXXX. XXXX has also reported the debt collection and has My credit score has been affected several times for the same debt. The last time was this month, XX/XX/2023. I do not think that the companies have the right to affect several times for the same debt. Now, Jefferson Capital Systems has reported as new debt starting 2023. I think that they are trying to force to pay. The original debt was created because XXXX was charging for services that I did not request. I had to spend hours on the phone to clear those charges. I got sick and had to cancel the services. Once, I canceled the services, XXXX was not able to charge for services not requested like Music subscription. In fact, I am about to file a law suite against XXXX. At this point, I want to stop the same debt being reported several times to my credit report. 
I have documentations for the communications in writing asking XXXX to stop charges for services not being requested. I can show that my credit report has the same debt more than 3 times in different periods, reducing my credit score multiple times.
Consumer complaint received 2023-02-18
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. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (GA)

I opened a use auto loan account with Navy Federal Credit Union in Georgia. I was sent paperwork via US mail from the loan officer. Everything was highlighted where my signature was needed. Approximately 3 months later I received a letter from Navy Federal stating that my savings account was debit {$15.00} for XXXX fees. I called Navy Federal on XX/XX/22 at XXXX XXXX  XXXX and spoke with a Representative that was trying to refund my account {$15.00} and was not able to do so. The Rep asked to place me on hold to see how he could refund my account. Before, offering me a refund the Rep did not see any paperwork that I signed giving NFCU the right to debit my account. Once the Rep placed me on hold he came back stating that he spoke with his Supervisor and could not issue a refund. I asked to speak to the supervisor. XXXX ( supervisor ) can on the line and proceed to explain what a title change mean etc. I interrupted XXXX and informed her that I am aware of what a title change means. XXXX was HORRIBLE and did not try to solve my issue. I spoke with XXXX around XXXX XXXX. XXXX was awful. I want to file a complaint against Navy Federal. I did not give Navy Federal permission to debit my account.
Consumer complaint received 2023-02-18
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. (PA)

I sent a letter off registered mail To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.