davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Navient and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from Navient to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since Navient runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in  XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Consumer complaint received 2017-07-17
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. (TX)

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XX/XX/XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (GA)

Account #   XXXX   I have been a Navy Federal Member since joining the Military in  XXXX . While in the military I was approved for a {$4000.00} line of credit with your company, I strongly believe the employees at Navy Federal saw me as fresh meat and prowled on my ignorance when it came to credit at that time. While having the account there were times where my bank card would be shut down due to non-payment, I had no issues making my payments while enlisted so I am not sure why that happened. When I would call customer service they would state that my bank card and account was locked until I made a payment. Mobile banking was also not an option for me when this would happen. I would go to the store and try to make a purchase and my card would come back declined, totally embarrassing. I transitioned out of the military and I did not gain steady employment until XX/XX/XXXX  and my first paycheck was completely drafted from my account by navy federal, my plan was to begin payments as soon as I got paid but not my entire paycheck, I was mortified that this happened to Me. This account has been a nightmare since I opened the account. I did n't realize this was an institution that tricked their consumers in to credit accounts with first giving them knowledge. The young lady who opened the account pressured me to open this account because she fed off of the fact that I did n't have any credit and did n't know anything about it. I was also a victim of the lawsuit against navy federal practicing unlawful tactics to scare their consumers.
Respectfully,   XXXX   XXXX
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On  XXXX / XXXX /2017 I did a wire transfer of   XXXX    XXXX  from my account at Bank of America, to my family account in   XXXX   at   XXXX   XXXX   XXXX  . Attached wire transfer confirmation.
The money never reached the destination account.
Attached recipient 's account statements for  XXXX /  XXXX   and  XXXX  2017.
When I asked Bank of America about this issue, they told me the money was sent to an intermediate bank in  XXXX  (   XXXX   XXXX   ) and they do n't know what happens after that.
I 'd like to have someone investigate/solve this issue.
Thank you.
Consumer complaint received 2017-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE SUBMITTED 2 COMPLAINTS PRIOR TO THIS ONE. I AM A VICTIM OF THE INQUIRY ISSUE WITH TRANSUNION. AND ASLO IDENTITY THEFT. OVER THE PAST 4 YEARS MY CREDIT PROFILE AS BEEN A LIVING NIGHTMARE. FROM SOMEONE USING MY IDENTITY IN A DIFFERENT STATE TO NOW I HAVE SEVERAL UNAUTHORIZED INQUIRIES THAT I DID NOT REQUEST I HAVE SENT CERTIFIED DOCUMENTATION TO EACH COMPANY ASKING FOR PROOF OF INQUIRY AS OF TODAY NO RESPONSE FROM MY CERTIFIED LETTERS TO THE FOLLOWING CREDITORERS :   XXXX   XXXX   XXXX   XX/XX/XXXX  - XX/XX/XXXX   XXXX  -- - XX/XX/XXXX    XXXX   XXXX   -- - XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (AZ)

I received a letter dated  XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account  XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative  XXXX  on  XXXX / XXXX /2017   XXXX   XXXX   Arizona time. After reviewing online regarding (   XXXX   XXXX   ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount.   XXXX   XXXX   has neither direct website nor phone number to contact the company itself. If you  XXXX    XXXX   XXXX   you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per   XXXX   we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number  XXXX  will pull the account with their institution.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This complaint involves   XXXX   XXXX   XXXX   on Experian, Partial account number  XXXX  Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter   XXXX   Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened  XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I received a postcard on   XXXX   XXXX   stating a check had been issued on   XXXX   XXXX  , 2017 in the amount of {$110.00} for a settlement payment in the case of www.BiasvWellsFargo.com Case No  XXXX  I never received the payment and when I called, I was told no re-issuances will be done per the settlement instructions.
As the consumer in this case, the settlement was to compensate for monies I was charged erroneously. Now, I ca n't receive the funds because I never received the check and they refuse to reissue. Where is the proof the monies were even sent? Could this be a way for them to pool monies from the settlement?
The representative on the phone works for   XXXX   XXXX   which is a 3rd party servicing center. She stated that the check was not returned to sender by   XXXX   XXXX   which voids my ability for reimbursement. There is no way to track the mail as it was sent either first or bulk mail.
Consumer complaint received 2017-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (CA)

I pay on the auto loan the  XXXX  amount between very end of   XX/XX/XXXX   and beginning of  XX/XX/XXXX . I also sent the document of the list of fees and total loss from the insurance to the Gap coverage. The Gap coverage is only suppose to get   XXXX   of the  XXXX  and the remains balance was for me for the storage fees. They refuse to reburse the 600+ amount back to me. So if I can not get the amount funded back to me, instead my focuse is Gap coverage paying the remainder balance of the loan. I have try to work this out, I have contacted the   XXXX   insurance I have yet to here a response from them. I have done what all I can do. Still I am left without a car because my car was a total lost. I have Gap coverage on the loan but they are making it so hard for me and I am too. The point of fed up.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (TX)

I am being sued after this cased been dismissed by XXXX XXXX XXXX XXXX. Thsi debt was sold to a collection agency. Also, this is more than over 4 years ago, so this debt is at it's statue limitations. Also, the XXXX XXXX, filed fake affidavit againsted me.
Consumer complaint received 2024-10-29
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: ID Analytics, Inc. (AR)

XXXX, has failed to provide Proof Of Verification ... XXXX  XXXX their proof of verification is from a Third Party Paying Vendor ... .ARS LIES/Fraudulent Statements are not verified by the XXXX XXXX  XXXX... .I have XXXX the XXXX XXXX XXXX and they have XXXX XXXX Per This Attachment ) that at no time do they Verify any XXXX XXXX for any consumer .... SO XXXX who is your verification with? It's not the XXXX XXXX  XXXX Itself .... The XXXX XXXX XXXX Clearly states they ARE NOT A FURNISHER OF INFORMATION, if you are reporting a negative item on my personal credit file, who is your source of Verification, BECAUSE IT IS NOT THE XXXX XXXX XXXX  ... ..ARS has XXXX a third party, XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX These ARE NOT VERIFICATIONS ) THESE ARE COMPANY 'S THAT YOU HIRE TO PURCHASE INFORMATION ... ..YOU DON'T KNOW IF THE INFORMATION IS CORRECT OR INACCURATE BECAUSE " THE SOURCE IS THE MISSISSIPPI BANKRUPTCY COURT> For the XXXX time, I am asking CFPB, to ask XXXX to provide their XXXX source of verification... If you are reporting Bankruptcy, I am ( for the XXXX ) time, asking XXXX to furnish verification from the XXXX. 

Please instruct XXXX, to stop sending that long letter of B.S., which is constantly avoiding what I'm asking for ... .I am asking for verification from the Bankruptcy Court .... 

Again, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX... .if you are reporting information that IS NOT accurate, it should be deleted ... .Please don't tell me your source for verification is sufficient because you are reporting that the Mississippi Bankruptcy XXXX XXXX XXXX I filed, so please produce verification from the Court, NOT YOUR ILLEGAL PAID FOR THIRD PARTY. 

AGAIN, I am seeking verification from the XXXX XXXX XXXXXXXX, that you say has confirmed and verified this information.
Consumer complaint received 2023-05-08
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. (PA)

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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Acct # XXXX RE : Improper Reporting & Inaccurate Reporting Violations : ( 1 ) 2 times charged off, which is a violation of the statute of limitations : account can only be charged off 1 time.

( 2 ) Account written off for {$100.00} and reported as late ( 3 ) 2 different collection companies for the same account I am writing to formally dispute inaccurate reporting tactics and information that appear on my credit reports. Pursuant to my rights under the FCRA specifically 15 USC 1681i ( a )., and 15 USC 1666b, and 15 USC 1637a. 

Please conduct a investigation for XXXX reporting violations of inaccurate reporting, therefore it must be deleted from all of my credit files
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & XXXX. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for Equifax and XXXX to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained this result. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX