davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : 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 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 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 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 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 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

XX/XX/XXXX Bought a XXXX XXXX XXXX from US Auto sales in XXXX XXXX, I think listing price was {$17000.00} ( way too much for the car, but I needed one ) Paid extra ( XXXX ) for 2yr service contract with XXXX that was never sent to them ( XXXX ) and GAP Waiver ( XXXX ). 
Car was ok for about 9 months then steering wheel started making noise when I turn, told it was a knock sensor from XXXX XXXX. Did not have the money to fix it then and actually forgot I had the service contract. Then in XXXX of XXXX the car made a loud pop and left me stranded. Not sure if it was the engine or not but when I tried to call the dealership, i was told the went out of business and was to contact Westlake Portfolio Managemnet. Did that and they said my loan was transferred but the service contract is discontinued when they bought the loan. And the service contract company is XXXX and they are suing US Auto sales too. So know they won't honor my service contract and won't return my email and I'm stuck with a car that doesn't run and they want me to pay.
Consumer complaint received 2023-08-03
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: ENCORE CAPITAL GROUP INC. (FL)

I havent provided evidence in accordance with the doctrine, so you XXXX assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Sent letters to all three credit Bureaus and XXXX XXXX but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX CAP ONE NA XXXX XXXX CAP ONE NA XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

I am trying to refinance ; I locked in a rate over a week ago.

I currently have my mortgage through Ditech. The title company requested a pay off quote from Ditech 2 weeks ago.

Nothing was received.

I called Ditech on XX/XX/18 for the payoff and they said 3-5 business days.

We have called them daily, no payoff.

In addition to the title company and new lender calling daily, I called yesterday and spoke to XXXX and explained the situation yet again, she was escalating to her supervisor and would get the document sent over yesterday. We still dont have it.

I attempted to print it online but it said a payoff is not available for my account.

My new rate is expiring.
Consumer complaint received 2023-08-05
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliant Capital Management LLC (TX)

In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX daughter 's debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to Alliant Capital Management, a debt collector. I settled with Alliant, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying Alliant. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3.00}, XXXX. I have called XXXX many times, they say that Alliant hasn't sent them the money and that there is nothing that they can do. I have called Alliant many times. They said they transferred the debt to XXXX XXXX but that my obligation was completed. Alliant did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called XXXX and they say that they sent payment to XXXX and that there is nothing else they can do.
Consumer complaint received 2018-02-16
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: EQUIFAX, INC. (CO)

On XX/XX/2018 I found out I was victim of Identity Theft. A fraudulent application had been submitted to XXXX XXXX requesting auto financing in my name. XXXX XXXX sent this application to various lenders they use. It was when I received a letter from a company named XXXX, declining my application, that I was made aware of the Identity Theft. When I spoke to them I found out my application had come from XXXX XXXX. I then called XXXX XXXX, to advise them I had not submitted an application. They said they would follow up with the companies they had passed the application on to and let them know this was fraud. At that time I requested credit reports from XXXX, XXXX and Equifax. I found inquires on all reports from lenders I have never heard of. I have worked with XXXX and have gotten my report corrected. XXXX is currently working on my disputes. But Equifax is telling me they do have the ability to remove inquiries affecting my credit score. Vendors who received an application and contacted Equifax for a credit report have assured me they have contacted Equifax advising them these inquires need to be removed. ( The companies are XXXX and XXXX ) As of this morning, XX/XX/2018, Equifax is saying they have not received any information to support my claim and in the meantime these inquires will remain on my report and affect my credit score. I have an open FTC complaint and a Police Report as well, but Equifax says this doesn't make a difference. I want this corrected and not to continue to show as something derogatory on my report. Thank you.
Consumer complaint received 2023-08-03
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. (LA)

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 personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-03
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)

I have submitted my documentation in regards to identity theft multiple times. No matter how many representatives tell me over the phone that the documents are valid and accurate, the items are still on my report. I have been mailing in and uploading documents since XX/XX/ to no avail. The reps are mean, rude, short, and just not helpful at all. Ive requested to speak to a supervisor over and over for the past 2 months. I have yet to speak to one. The reps place me on hold, come back to the phone, and say a supervisor will call me back. I have yet to receive a call back since XXXX after requesting a call back at least 6 times since then. Today is XX/XX/XXXX. These items have ruined my reputation. I had no idea these things were on my report until I was denied from an apartment complex. I have been in and out of hotels, and sleeping in my car in between. I dont know what to do anymore. Someone please help me.
Consumer complaint received 2023-08-04
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: PRESTIGE FINANCIAL SERVICES INC (OH)

I purchased a used car and received a loan in XXXX of XXXX  from Prestige Financial. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX did do the right thing and removed this from my credit report.However, XXXX and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX shows the balance on this account as {$21000.00} and XXXX shows the balance as XXXX. Now how can this be? It's only one or the other. I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
Consumer complaint received 2023-08-04
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. (NC)

I am member of the class of federal student loan borrowers covered by the recent settlement of the Sweet v. Cardona ( " Sweet '' ) lawsuit. I submitted a Borrower Defense to Repayment discharge application relating to my federal student loan ( s ) on or before XX/XX/XXXX, and it was approved. Pursuant to the Sweet v. Cardona settlement, this account must read " Paid Satisfactorily '' and ALL ( past, current, future ) fraudulent payment information is to be updated to " paid on time ''. I have also attached my dispute letters from XX/XX/XXXX that were sent to XXXX and Experian
Consumer complaint received 2023-08-04
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. (GA)

There are FRAUDULENT items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am submitting a complaint regarding these negative items and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I respectfully ask your organization to consider my points, given your personal and company wide obligation to provide a fair and reasonable investigation into the complaint. 

The details of my complaint are shown in the attachment. 

I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 


XXXX XXXX
Consumer complaint received 2018-02-16
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. (FL)

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact Equifax, XXXX, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they  all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and XXXX have responded by removing all but 2 of the inaccurate collection reportings and Equifax still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Consumer complaint received 2023-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Exeter Finance, LLC. (NY)

Came to my attention fraud is being committed and harming my personal well being According to 15 U.S Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Also Regulation Z prohibits certain practices relating to payments made to compensate mortgage brokers and other loan originators. The rule prohibits a creditor or any other person from paying, directly or indirectly, compensation to a mortgage broker or any other loan originator that is based on a mortgage transaction 's terms or conditions, except the amount of credit extended. The rule also prohibits any person from paying compensation to a loan originator for a particular transaction if the consumer pays the loan originator 's compensation directly.

The rule also prohibits a loan originator from steering a consumer to consummate a loan that provides the loan originator with greater compensation, as compared to other transactions the loan originator offered or could have offered to the consumer, unless the loan is in the consumer 's interest. The rule provides a safe harbor to facilitate compliance with the prohibition on steering.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I had a Home Depot credit card through Citibank that was paid through a Chapter XXXX Bankruptcy. The bankruptcy was discharged in XXXX of 2017. The company now has my status as derogatory after it was satisfied in my bankruptcy.
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

I requested the Note on the account I had been making payments on since 2012. A promissory note was sent to me by Nelnet with my name and personal information but the address is not mine. I think I have been a victim of identity thef and making payments on account that is not mine.
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have been repaying the student loan for about 4 years now after it was left to go delinquent by the other party on the loan. Navient has been steadily raising the interest rate on the loan, now over 12 %. I have made multiple requests to have the interest rate lowered and those requests have been denied. Such a high interest rate ensure 's that I will likely default on this loan and ruin my credit. I have attempted to renegotiate this loan with other companies such as XXXX but since it is not in my name I am not allowed to subsume the loan. The other party on the loan has such poor credit they would not be allowed transfer the loan to a new account.