davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 



Unauthorized Credit Accounts to be Removed 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 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 Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WV)

I am XXXX XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, XXXX, and Equifax.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD EXPERIAN I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, XXXX XXXX, XXXX, XXXX my name needs to match my XXXX XXXX
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AZ)

ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

Hello-I need your help, I am being treated very unfairly by a student loan company called Navient. I feel as if they are committing fraud or that they have been ripping me off. This is regarding my private student loan accounts I have with them. Recently the accounts went from XXXX to Navient. My private loans total around {$14000.00}. My payments were on an interest only plan for quite sometime due to me extending my payments off until I could not anymore due to financial struggles. Meaning I paid only interest every month for years, not one dollar was going to my principle which I understood. Navient then tells me the interest loan repayment plan was over, and my payments would start going to my principle. When I got my monthly bill statement I noticed it increased from XXXX to XXXX. I called them immediately and told them I was a single mother of XXXX children and could not pay the full amount with the new increase. I told them I could not afford it and I needed them to work with me to get it down to what was paying which was XXXX. They went from one customer service agent to another, then to the supervisor because each one of them told me the same thing, they could not do anything for me. The supervisor told me the same thing as well, I had to pay the XXXX a month. I then asked lets say I was able to pay the XXXX a month thinking well I have already finished paying the interest only payments for a couple years maybe I will now be paying a lot more towards my principle, and finish soon, nope. ..he starts to tell me the contrary, that he calculated XXXX would go to interest and the rest to my principal, and according to his calculations the pay off time would be in 2028, 13 years from now. I explained once again my financial struggles and still he went on to tell me I should make my payment every month even if it is the {$150.00} or else they could garnish my checks. I told him how do you expect for me to pay your company the {$150.00} I can afford if your telling me that would not even cover my monthly accrual interest? I told him I would never finish paying you guys off then. He told me he understood but that there was nothing he could do for me and that I had agreed to all of it when the loan was given. Do you guys think this is fair? To make monthly payments of XXXX for the rest of my life and never have one dollar go to my principle? I need help, please refer me to someone, I am desperate. Thank you for your time. 

XXXX XXXX
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

My wife died last year XXXX/XXXX/2015 She had a credit card with Bank of America. 
It is not and never was my account. ( I was an authorized user only ) I never gave permission to Bank of America for this account to be my responsibility. 
Bank of America put my name on this account with out my permission. 
When my wife passed away Bank of America took my wife 's name off the account. 
Bank of America then put my name on the account alone with out my permission. 
I sent certified mail from the time of discovery disputing this account to Bank of America. 
Bank of America refuses to prove I have any responsibility for this account. 
Bank of America is hurting my credit and demanding payment and collections.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

XXXX is again trying to collect a debt that I do not owe using another collection agency. I opened a compaint before that they had sent to another agency and that collection was closed. Now they are tyring to collect using another one. I have not received the {$75.00} deposit I paid them. I stated that they should take their money out of that and send me the remainder. They have done nothing except to lie the the other company about paying me my deposit. I do n't owe them anything as I have yet to receive any of my money back..
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarFinance Capital LLC, Irvine, CA Branch (CA)

I received 3 calls in a 19hr span from CARFINANCE.COM ON XXXX. 
calls were collected : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX This is Harassment and needs to stop. I have already given a date of payment XX/XX/XXXX and I still get harassed by this company 3 times in 1day? This is a violation of FDCPA and Rosenthal Act. I want this stopped immediately!
Consumer complaint received 2016-04-15
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC (TN)

XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
Consumer complaint received 2023-04-19
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. (AZ)

COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXX XXXXXXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On my online bank statement, I have a pending transaction at the top of the page, then XXXX overdraft charges, then a check that shows as cleared with a positive balance. They 're charging me an overdraft fee both for the pending transaction, and XXXX for the check that cleared ( in the past ) with a positive balance.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MO)

When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.
Consumer complaint received 2017-02-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I would Like to file a complaint on bank of America On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Bank of America never replied back the inquiry was Pulled on XX/XX/XXXX
Consumer complaint received 2022-12-30
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. (TX)

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, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXXXXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX  XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXXXXXX, Unable to be verify inaccurately reported information. 

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 2015-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

found a debt for account XXXX on my credit report. I have never had an account with XXXX XXXX XXXX who they claim to represent. It could potentially be a family member with the same name, but it is not mine. I use XXXX for cell service, not XXXX XXXX XXXX.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

I has a several student loans held by Sallie Mae. These loans were transferred to XXXX. I was never in default or had a missed payment. https : //myeddebt.ed.gov/ has confirmed this and so has the Dept. of Education. I consolidated my loans, then my loans got transferred to XXXX. XXXX is incorrectly reporting that I was 60/90/120 days late. This is incorrect, I was in school, my payment were deferred and in forbearance. Before Sallie Mae received this loans, XXXX originally held them. However, XXXX still will not remove the incorrect reporting.
Consumer complaint received 2015-12-15
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

After applying for a job online, I received a cashier 's check on XXXX XXXX, 2015, for the amount of {$1900.00} with an offer via text for a job position as a XXXX. The stated reason this check was sent to me was to cover errands and complete some tasks as his personal assistant. Before cashing the check, me and my husband were suspicious, so we went to Navy Federal Credit Union to verify the check was real. I was helped by one of their representatives whom I asked " when the check would be clear '' the representative responded " Within a day. You should have it by tomorrow. '' They assured me the check would be cleared by the next day, meaning within XXXX hours. 

Based on these assurances from Navy Federal, I followed further instructions from my supposed new employer to send XXXX wire transfers for {$800.00} and {$900.00} to XXXX, TX. A week later, Navy Federal removed the {$1900.00} and said that it actually takes up to 30 days for a check to clear. The check in fact did not clear after the funds had already been made available, and now my account is delinquent {$900.00}. Thankfully {$800.00} was held by XXXX XXXX and was able to be recovered. The manager repeatedly apologized saying they need to increase training of their staff to avoid this sort of " miscommunication. '' I hold Navy Federal as an accomplice to crediting a fake check under their stated position while still pursuing me for an illegitimate debt where the funds were and then were not available under my name. I have filed police reports and saved all documentation of the fraud committed upon me. Regardless, none of this would have happened had Navy Federal not misinformed me as to the status of the initial cashier 's check.
Consumer complaint received 2015-11-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prime Source Mortgage, Inc (WA)

House on market XXXX/XXXX/15. Offer submitted and counteroffer extended on XXXX/XXXX/15 after I saw the pre-approval letter. Counter offer accepted on XXXX/XXXX/15 with a 45 day escrow so was to close on XXXX/XXXX/15. The house appraised at value and it passed inspection on or about XXXX/XXXX/15. XXXX/XXXX/15 my realtor thinks docs should be pulled soon. XXXX/XXXX/15 hear from realtor that buyers have to refile taxes with IRS but was done 2 weeks prior so should still close on time or sooner. I move my belongings to storage on the XXXX. XXXX/XXXX/15 am told we will have to file an extension wrong form received then told no just not gotten form yet. So we extend to XXXX/XXXX/15. In all we had to extend this 4 times each time being told it was just one more piece of paper and it would close. First we get the transcript after waiting 5 weeks, then its the wrong one so wait another 2, now we get final approval but no clear to close as the original appraisal is over 45 days so new one ( ends up being three ) is less and I am told sign for new amount or no go and start over ... so I agree within 40 minutes of getting this information and still no close. Its Friday so we have to wait now until monday but then monday is a holiday so we hear that it will be wednesday XXXX/XXXX/15. that comes and goes and still nothing. Now the story is they are waiting on the appraisal hard copy. It finally closed on XXXX/XXXX/15. 84 days/12 weeks later than it started. I lost {$1500.00} on the deal, had to pay for additional mortgage, utilities, credit payments, storage all because of the lender XXXX XXXX, at PrimeSource in XXXX, California. So essentially, I lost over {$3500.00} in this deal. I kept going because it was only one more thing and I was ill and needed to sell house. Until XXXX/XXXX/15 all was going well but thereafter it became a pattern of not hearing from PrimeSource..so if you could reach them on Monday you would get told a situation, then nothing until thursday when the situation was different than was told on Monday and you now think we are making progress and then its Friday and oh yeah its going to go and then by XXXX on Friday oops sorry not today. and over and over it went. I feel this lender is inept and quite frankly unethical at the very least he does n't know what he is doing. I looked him up on XXXX in CA and there was a story on there from XXXX from XXXX of this year and it was almost word for word what was happening to me. Being the seller in this case was tough ca n't imagine what it was like for the buyers. Please address this issue with this lender PrimeSource and XXXX XXXX to prevent other people losing money. I did complain to PrimeSource and the very next day the loan got cleared to close coincidence I think not ...
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (TX)

Unauthorized Inquiries : All these accounts appear to be applications for auto financing. I did not give permissible purpose to anybody nor company to run my credit report. Please provide proof or delete unverifiable inquires from my report. Thanks XXXX # XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion