davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MA)

Checkr does not have the correct record that the XXXX XXXX has on their record. I have attempted multiple of time to reach out, via phone call, the help chat bot and email. Calls get canceled after the first prompt, the help chat bot gives you the run arounds and so does the e-mail responds. Because of this is has caused XXXX employer to deactivate/terminate my account with them and another from allowing me to start work.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Envision Payment Solutions, Inc. (LA)

I received a letter from a company called Envision Payment Solutions saying i owed money from two bounced checks. This is a fraudulent claim. They are claiming I wrote to checks to XXXX ( I have no idea who this even is ) two years in a row ( XXXX and XXXX ), EXACTLY one year apart, with two SEQUENTIAL check numbers for the EXACT same amount each year. They are reporting we used checks XXXX and XXXX. This is a new account, I'm not even up that high of a number on my checks. They sent the letter to our old address even though we moved a while ago. 

I do not want to call or email this company because I strongly feel that this is a phishing scam trying to get me to confirm my name, address, and bank account information.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

A collection agency Resurgent is trying to collect a debt that they say I owed to XXXX XXXX  ( or the new owner of the debt LVNV Funding ) I spoke to XXXX. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to LVNV Funding which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : XXXX XXXX  Current Owner : LVNV Funding LLC Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Connect with us! 



Copyright 2023 Resurgent Capital Services, LP. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX , SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NY)

My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.
Consumer complaint received 2023-07-27
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. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXX/XX/XXXXXXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-07-30
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I pulled my credit report and saw a long list of inquiries that I did not initiate. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The hard and soft inquiries noted in the attached credit report are unauthorized. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Consumer complaint received 2023-07-29
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. (TX)

Reference : Account name XXXX XXXX XXXX Account number XXXX I would like to add additional information to the dispute currently taking place with Experian concerning this account. 

For one, the information contained in my report states the following : Balance details Original balance {$12000.00} 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX In reality, I paid XXXX dollars/month for 36 months = {$13000.00} Plus {$2500.00} dollars down payment for a grand total {$16000.00} and not the {$12000.00} shown above. Every payment was made. I was never late contrary to whats shown in my report. The monthly record of my payments was maintained by the credit bureaus but amazingly it has not been taken in consideration in reporting the damaging information relating to this account. It seems to have just vanished in thin air. 

Obviously the terms of this lease were less than favorable but I accepted due to my circumstances at the time. Its worth nothing that the lease term for somebody with good credit would have been {$1900.00} down and {$180.00} / month for a grand total of {$8600.00} but my less than favorable terms caused me to pay almost double for this lease. 

What the report below shows is that I only paid {$4400.00} dollars or 35 % of the loan, which is a complete falsehood and goes to show gross negligence on the part of the bureau. It is their duty to make sure that their reporting is accurate and correct and when challenged it is also their duty to investigate thoroughly and review the accuracy of the information regarding the item disputed. What has happened instead, is every time I contacted the bureau about this item, they right away proceeded to re-age the balance reported causing great damage and harm to my credit score. Their investigation was neither thorough nor complete and does not conform to fair credit reporting act. 

The Fair Credit Reporting Act requires credit bureaus to correct or delete any information that can't be verified or that is incorrect or incomplete. 


Account info : The following is the report taken from the bureau. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8000.00} written off. 
{$8000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$12000.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Balance details 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX Original balance {$12000.00}
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (FL)

On XX/XX/year> someone hacked my discover checking account. The instant I noticed money left my account & this has happened I called my bank, I filed a police report with my local authorities, I reported a scam complaint with XXXX and my bank is saying they are not able to reverse funds which were unauthorized. More than half of my monies left my account unauthorized and I want them back. I have contacted all parties involved and my bank continues to say it was authorized when I have called multiple times telling them it wasnt and that someone has stolen my information. They have not reversed the funds from the unauthorized party. I continue to re dispute this but my bank does not want to reverse the money from the culprit. I do not know the person money was sent to.
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year> Navy Federal Credit Union allowed a loan to be taken out by a scammer. This loan was never verified or approved by me. I then received a phone call from a Navy Federal phone number stating that a loan was fraudulently taken out, and I needed to send it back. Since the call came from Navy Federal, I believed this was not a scam. I sent the money back as requested because I didnt need, and could not afford this loan. I called Navy Federal to verify that the money had gone through, and they had no knowledge of anything that had take place. This loan should have never been allowed to go through without my permission in the first place, so I shouldnt be responsible for it. Navy Federal didnt use a proper verification process and violated security measures in allowing this to go through. I have filed a complaint and an appeal and been denied both times without a reason. You will see in my uploaded documents that the promissory note was electronically signed in XXXX, XXXX. It can be verified that I was never in XXXX.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have 12 " potential negative '' student loans account that are reporting incorrectly on Experian consumer file. The 12 accounts should be reported as " paid on time '' as it is reflected on XXXX. 

I have a closed account XXXX XXXX  that was removed from XXXX and XXXX HOWEVER, Experian is still showing this account on my profile as " CLOSED '' this is negatively impacting my credit and character. 

I have a XXXX XXXX collection account that is reporting negative on my report. This account has been DISMISSED in court as an account that is not a valid debt that I owe.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

My fiancs car, license, and banking information were stolen on XX/XX/year>. I added her to my Capital One Checking account as a joint account holder after the incident. Someone then attempted to deposit XXXX mobile checks of {$300.00} and {$450.00} on XX/XX/year> into this joint account under her name so I directly reached out to Capital One in good faith letting them know these deposits were fraudulent and requested more information. I had a legitimate direct deposit on the same day from XXXX posted into the account under my name for the amount of {$3400.00} on XX/XX/year>. They proceeded to let us know the account was being closed - and since it was a joint account my current funds of {$3400.00} were not available for withdrawal while they began their investigation on XX/XX/year>. It's been nearly a month and my funds are still locked in the account, and they've told me to call back in 7-10 days. I called a week ago and there's still nothing happening. My money is locked away in this checking account and being withheld from me and I am unable to transfer or withdraw it.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TN)

pay off loan XX/XX/23 have not receive title its been over 2 mo. talk to supervisor XXXX XXXX and other reps.about receiving title westlake financial XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX pay out amount {$2300.00}
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to XXXX, XXXX and Transunion regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

US depart of EdXXXX {$9000.00} US depart of EdXXXX {$9600.00} US depart of EdXXXX {$1100.00} State of Michigan office {$18000.00}. 
XXXX {$480.00} In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer 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 that 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 adverse item of information, other than records of convictions of crimes.

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 causes to believe that the information is inaccurate.

Ive called more than 6 times and asked for the original signed contract and I never received it. It seems these credit report agencies are above the law, and nobody will do anything about it.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My card was used without my permission or my authorized users permission on XX/XX/23 for {$440.00} at a XXXX in XXXX # XXXX, and for {$1100.00} at a XXXX in XXXX # XXXX on XX/XX/23. 
Citibank is denying my claim and holding me liable because the card was present in the transaction. My card was in my possession, which I told citibank, however I have multiple users on the account. One card was not received in the mail.