davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

There was a fraudlent account that XXXX  XXXX owned once upon a time, XXXX XXXX removed the account from my credit. However, i dont know how or why, Portfolio Recovery begin to rereport this account on my credit. Not only was this account illegally reinserted, its fraudlent, i would've reached out to company directly, but they never sent any notification to me that they were pursuing me for this fraudlent accout. Im requesting for a removal of the account from my credit. 

Portfolio Recovery acct # XXXX {$420.00}
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (GA)

XXXX XXXX sold to dealership in XX/XX/year> and Flagship credit is still reporting a balance as late payment. This balance should reflect {$0.00} and due to their negligence I want it completely removed from my report. I have a copy of the check and title as proof I do not owe on this car nor have possession of it. 

Flagship has terminated my account number preventing me access to dispute with customer service. 

The dealership confirmed they received the check for payoff loan amount.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (CA)

On XX/XX/year>, I made a {$450.00} payment on my vehicle loan per the terms of contract between the loan company ( Bridgecrest ) and myself. I made the payment via my online bill payment function through XXXX XXXX. Bridgecrest accepted the payment on XX/XX/year>. However, Bridgecrest is attempting to repossess my vehicle notwithstanding an on time payment per the terms of our agreement.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (UT)

Sofi Bank Has Violated my rights UNDER the FCBA and I'm requesting {$1000.00} per each of these Violations for the XXXX disputes they have taken over 90 days to resolve while they have already taken the Disputed Amount from the XXXX that charge my account Fraudulently. I've submitted disputes over 90 days ago, after also contacting the merchant they have legally replied that Sofi has reversed the charges over 90 days Now. Sofi has not credited my account for those transactions but is keeping my funds hostage after having taken the funds already from the XXXX over 90 days ago. I've contacted Sofi bank several times providing them the evidence and statements from the company stating that they were going to refund me the unauthorized charges but they never followed up or did so which left me with no option to dispute the charges as they were charged Fraudulently. The XXXX has legally provided the attached document showing the Disputed Amount that has been reversed by sofi over 90 days ago yet sofi is holding hostage the funds. Attached are also the conversations from the XXXX apologizing and saying that they will send a check in XXXX occasions which they never did leaving me with the only option to dispute, then they legally replied after months that the charges had been reversed and they provided the other Attached doc. Their replies and documents prove they never did anything to send me a check and that sofi has taken the $ from them. The LAW CLEARLY STATES THE FOLLOWING UNDER THE FCBA AND SOFI HAS BROKEN THE LAW " Within 90 days of getting your complaint, the issuer must resolve the dispute. ''
Consumer complaint received 2024-08-16
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/year>2024, PORTFOLIO RECOV called me at XXXX XXXX. I do not have any connection to this company. I have no contract with them. I have never spoken to them. I have never answered any of their calls. They are a collection agency that calls weekly and often during the day. I have tried to silence and block their calls but that does not work. They have no right contacting me about anything let alone before XXXX in the morning. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt XXXX from placing repeated or continuous telephone calls. They are violating the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

39 Attorney Generals sued Navient and private loans included. I received an email from XXXX XXXX former XXXX XXXX XXXX  employee I trained to fill my XXXX XXXX position and salary inflate occured at the bank with XXXX XXXX and wage claims submitted by bank that may have been stolen there was ID theft with student loans with Illinois XXXX XXXX  XXXX by bank employees that lead to loans with XXXX XXXX not formally disclosed by Illinois XXXX XXXX  XXXX and arrests were made XXXX XXXX XXXX XXXX. XXXX XXXX emailed me me in XXXX when the settlement finalized and read that FFEl Loans and private loans were included in the settlement agreement. After the settlement published on Navients website that Navient merged with XXXX XXXX and serviced XXXX XXXX defaulted loans in XXXX in previous complaint the Department of Education did not published this on their website the loans were from XXXX XXXX ( XXXX XXXX XXXX of XXXX 's XXXX  and instructor same hall I believe both high school and XXXX XXXX XXXX same congregation. XXXX XXXX XXXX XXXX XXXX XXXX is disfellowshipped different XXXX 's XXXX  congregation and acting Judge XXXX XXXX XXXX XXXX case I was not summons to appear but contacted by Federal student aid and XXXX XXXX XXXX as to my identity being comprimised and a letter sent to US couurt of Claims if a post card was sent it was stolen fromus postal service I have not been contacted by Navient since XXXX. If not mistaken XXXX XXXX attorney generals is relaated to a former high school student class of XXXX XXXX XXXX covid-19 rental applicationm sent to a XXXX XXXX. settlementment amount XXXX XXXX dollars ( XXXX??? ) too much privacy violations and followed. I am got XXXX coming. XXXX XXXX came into XXXX XXXX XXXX asking me they could get my social security and the volunteer ( XXXX appointment with XXXX XXXX said she needed a high school diploma I enrolled after leaving XXXX  XXXX XXXX XXXX  due to slary inflate and I say malicious defamation of character due to ID theft and fraud. Ignorant ridicule with that theft is undelivable in a college setting like juvenile deliquency
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (LA)

XXXX has allowed Affirm to report buy now pay later accounts to my credit report. After disputing the accounts multiple times they refuse to remove them even know these types of accounts are not suppose to be reported to the credit bureaus. Affirm has also refused to remove the accounts as well despite it going against the credit reporting rules.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (VA)

I was a victim of Identity thief the account that is in question is not mind. 
Someone opened up credit in my name back in XXXX time frame. 
The account got sent to NCB XXXX XXXX. I have been disputing this for a few years now to no avail. I need this removed from all of my credit reports. 
This account was open on : Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX This has been a real headache and I'm really tired all the craziness going with this company. Please help get this removed from my credit profile please. 

thank you,
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-16
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT.XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MN)

For XXXX XXXX XXXX XXXX  open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only XXXX complied. XXXX and XXXX and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For Citicard CBNA open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (VA)

I had XXXX accounts with Affirm that they took direct payments from my bank card. Unfortunately that card had fraudulent charges to it so my bank had to cancel the card. When Affirm tried to take the payment the obvious couldn't, so they sent we a text. A few days later I called and told them what had happened and tried to give them my bank account number and another bank card that I had. They couldn't process either payment. So this process continued for the pass XXXX months, with me call and them saying that it's my bank account and me saying that's impossible I use the accounts on a daily basis and I had to change all the other accounts to either XXXX of the payments I tried to give them. So on XX/XX/XXXX I got an email from experian saying my credit had drop XXXX points, that Affirm said I had late payments. So I called Affirm and asked to speak with a supervisor. About all the times I have called to make payments, and no one can process the payments.My credit that was affected by them saying I have late payments when I tried payments multiple times and how this isn't my fault. She said that she sees the accounts but it says that they are inactive then tried to cancel the cards but couldn't they I said that I can't even log into the app to make payments. Then that's when she said see if you can. So I tired and for the first time it worked so I paid all the accounts off and asked her to undo what the have done to my credit. She said that she would write a form up and send it up the chain of command. To call experian and talk to them. I called them the next day and told them what had happened, so they put a dispute in on all XXXX accounts. The next day I got an email saying that Affirm said that everything was correct and they wouldn't change my credit back.
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SCA Collections, Inc. (NC)

Im sorry I didnt know I was supposed to collect information from them. Medical debt being transferred to third party and old charged off from bankruptcy reappearing on credit reports as current debt. All these charge off on my credit is affecting my report. Its already paid off. Charge-off shouldnt have a balance on your credit. Its against the law to try to collect for a debt thats already charged off and paid for.
Consumer complaint received 2024-08-16
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, XXXX XXXX Transunion Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

This is the second time i am submitting this complaint because it resolved and you closed it. Is that how it works. If someone needs to call me to get more info my number is XXXX. Usaa will not close my account and they wont call me to get verification. They are working on disputes that i did not submit. And thats why its not closed. For disputes they should not be looking at. This is the problem i have had and why i'm closing the account.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CT)

XXXX XXXX Paid to Elan Financial Services, XXXX, credit card # XXXX amount of {$2800.00} for XXXX service not provided. 
XXXX. XX/XX/24 disputed the amount with credit card, Dispute # XXXX XXXX. XXXX credit was provided XXXX. XX/XX/2XXXX XXXX Office was paid by XXXX XXXX XXXX XXXX with Official Check # XXXX {$8000.00} in full for services peovided XXXX. XXXXDispute was reversed XXXX. XX/XX/24 sent a letter to customer service XXXX. XX/XX/24 send a fax with supporting documentation, ( XXXX ) pages, case manager XXXX XXXX. 
XXXX. XX/XX/24 - supportive documentation was received and conformed by XXXX XXXX. Spoke to : XXXX XXXX, XX/XX/24 - XXXX. XXXX, XXXX ; XX/XX/24 - XXXX, XXXX, XXXX ( fraud ). 
XXXX. XX/XX/24 - send fax with proof of payment XXXX. XX/XX/24 requist case manager to call? 
XXXX. XX/XX/24 spoke to XXXX supervisor # XXXX conf. Fax was received XXXX. XX/XX/24 spoke to XXXX, nothing is done? 
I am XXXX XXXX XXXX and this iXXXX XXXX  abuse!
Consumer complaint received 2018-10-19
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. (DC)

1. I noticed that there is XXXX XXXX on my credit report. XXXX XXXX as a hard inquiry for Auto Loan.

2. I do not know who XXXX XXXX is.

3.On XX/XX/2018 I submitted Loan app. to XXXX  Dealership in XXXX, VA.

The name is XXXX XXXX.

But it is XXXX XXXX and they run a Hard inquiry on my credit report.

It shows up on my Annual Credit Report by Experian.

4. Today I contacted EXPERIAN, spoke with a dispute personnel and I asked her to enter a dispute about Hard Inquiry by XXXX XXXX. I want XXXX XXXX to be removed from my credit report. It is hard inquiry and hurts my credit score.

5. Rep in Experian Dispute dept. was not polite and offensive to me, she too k my request of a CONSUMER, - offensively and disrespectfully.

She asked me if I applied for a auto loan on XX/XX/2018.

I asked her, why does she ask me this q?

She said : because when you apply for an AUTO LOAN with a dealer, the dealers usually pass this information to all their sources and financial friends. Buddies.

And every body runs their own hard inquiry.

I was not told about this when I applied for a Auto Loan with a very reputable XXXX XXXX dealer in XXXX. VA.

XXXX stands for its name and it means protection of the clients. So I thought.

I bravely gave my SSN and DL and all other confidential financial information in order to get a loan in amount of $ 40,000- {$45000.00}.

I was not told by XXXX XXXX of XXXX, that they are going to give my SSN to everybody. They gave it to XXXX XXXX and this is not XXXX XXXX of XXXX VA.

Bottom line is : I am afraid that maybe XXXX XXXX   Financial Manager got upset at me, as they got upset at me on XX/XX/2018 when I came to sign and close on my XXXX. I refused to accept XXXX XXXX Loan, {$40.00} 000 or more, with 6.5 % APR.

It was not affordable loan not to me.

In my turn, I obtained a loan from the XXXX XXXX XXXX in Washington DC where I am a member since many many years ago and my auto loan was 1.89 % APR.

Well this is all.

I do not recognise XXXX XXXX. I told about this to XXXX, a representative in EXPERIAN with whom I spoke today.

She refused to take my dispute over the phone and I told to her that I will call to FTC.gov to tell that Experian does not want to take my dispute over the phone. and is abusive over the phone like I am asking for some special favor or money or loan.

It was uncomfortable.

She told me that I can do whatever I want to do and call to FTC if I want to. She said that she does not care what i do.

In desperation I am filing this complaint about XXXX XXXX.

I already contacted XXXX XXXX about this in summer.

I contacted EXPERIAN today by phone.

And also mailed a letter to EXPERIAN in XX/XX/2018 with request to investigate and remove this hard inquiry.

I just noticed that there are too many double inquiries or unknown inquiries.

This inquiry is not XXXX XXXX nor XXXX nor Credit union nor the bank.