davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

This is my Rebuttal Letter Reply to NetCredit on XX/XX/23. To : XXXX XXXX XXXXor anyone on the compliance Department of NetCredit, I come to you in Good faith and Honor to rebuttal such claim you made about your not on any violation of any wrong. Well I consider that " hear said '' that you as a company that in regular basic do consumer credit transaction Extend My own Line of credit not yours, their actually Laws that said you are in violation and theirs Fines to pay if you don't comply with it, unless you show me in the Law that your right and I'm wrong on " subject matter '' everything you said is false, misleading and theirs violation for it. Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning every time some identity make a report as a late payment, miss payment or default on someone credit report is false, misleading and a violation under 15 u.s.c. section 1681n and penalty of {$1000.00}. So if their is not late payment or default, because is excluded, what are you claim it that I own you guys the Debt? # 1 : Right now you claim their is 7 late payment or default, that means I have {$7000.00} that NetCredit own me, please send me the whole amount to my address. # 2 : send me the " Original Agreement '' on the Security Interest that you claim I'm own debt on it. # 3 : Under 15 u.s.c. section 1666d : treatment of Balance said, Any amount over {$1.00} on balance account, whenever a consumer credit transaction owed to obligator, a creditor shall- credit, refund and Good Faith refund to consumer by cash, check or money order any part of the amount of the credit balance remaining in the account for more them six months.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I receive several calls a day from Portfolio Recovery Associates for a woman I do not know named XXXX. The numbers are randomly generated so that every time I block a number they call from another number. On 2 previous occasions I have answered the calls just to tell them they have the wrong number and that I do not know this woman. The calls only escalated. I do not answer them now but they go to voicemail and i have to delete the voicemails. If I am at work or waiting for an important phone call from family or friends these calls are very disruptive. I feel like I am being harassed over a total stranger 's debt.
Consumer complaint received 2024-06-03
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: NAVY FEDERAL CREDIT UNION (TX)

I would like to reopen a previous case because the issue is not resolved. 

Complaint IDXXXX I am writing in response to your recent communication regarding the lien status on my XXXX XXXX XXXX XXXX, associated with loan account ending in XXXX. I appreciate your attention to this matter but must express my continued frustration with the lack of resolution. To summarize, your correspondence indicated that despite my XXXX  XXXX Bankruptcy discharge on XX/XX/XXXX, Navy Federal retains a lien on the vehicle. However, I have been repeatedly informed by multiple Navy Federal representatives, both verbally and in writing, that no lien exists and that Navy Federal has no interest in retrieving the vehicle. Given this conflicting information, I require a clear and definitive resolution. Specifically, I request one of the following actions : Provide a Lien Release : If Navy Federal indeed has no lien on the vehicle, please provide a formal lien release document. This will enable me to clear the vehicle 's title and move forward without further issue. Provide a Letter of Non-Interest : If Navy Federal has no remaining interest or claim on the vehicle, a letter of non-interest should be issued to confirm this status officially. Arrange for Vehicle Retrieval : If, contrary to the repeated statements, Navy Federal does retain a lien and has an interest in the vehicle, please arrange for its prompt retrieval. I have invested considerable time and effort, including taking time off work, to resolve this issue through numerous phone calls and in-person visits, all documented in my phone records and correspondence. Despite being given a contact number, the assistance provided has been inadequate and has not led to a resolution. Given the significant inconvenience and stress this situation has caused, I urge you to take immediate action to rectify this matter. Please provide the requested documentation or arrange for the vehicle retrieval without further delay. I look forward to your prompt and definitive response. Thank you for your attention to this matter.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, my wallet was stolen or lost on XX/XX/XXXX. There was an account open in my name with all of my demographic information on XX/XX/XXXX. I discovered this information and contacted the bank and they informed me that there was an account opened in my name on the XXXX on XX/XX/XXXX. I was had gotten an email blast that the account was overdrawn XXXX {$840.00} on that date. I also called the bank and inquired about whether I would be responsible for that and they informed me that since I let them know that there was possible identity death that day I would not be responsible for those XXXX XX/XX/XXXX. I also attempted to call all the credit bureaus and let them know about this identity theft.
Consumer complaint received 2023-08-02
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-07-08
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. (MN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account : XXXX Balance : {$8300.00} I'm writing to formally contest a debt that your organization says I should be paying. I don't know of any debt you represent being owed to Radius Global Solutions or any other original creditor. Moreover, I was not notified in advance of this debt and was not given the chance to contest the information within the legally mandated time period. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Specifically, I request the following information : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking you to furnish appropriate proof of this debt. I specifically ask for the following data : Verification of Ownership : Proof, including any relevant assignments or transfers of the debt, that Radius Global Solutions is legally entitled to collect this debt. 

Proof of Notification : If you think you gave me the right notice, kindly provide me a certified copy of the receipt that bears my signature attesting to the fact that I received it. 

Furthermore, my credit report is being severely impacted by this disputed amount, which has been notified to credit bureaus. I demand that this debt be deleted from my credit report until you can produce the necessary evidence. It is illegal to report information that can not be independently verified or corroborated, as per the Fair Credit Reporting Act ( FCRA ). 

I shall regard this debt as void until you can produce the needed paperwork. Please be aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will receive additional complaints if you do not satisfactorily respond to this request. 

I anticipate a timely, in-depth inquiry into this issue as well as a written reply. You can reach me
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

I am writing to inform you that I have recently become a victim of identity theft. Today, XXXX I discovered a collections amount of {$2900.00} flagged on my credit report. This account was opened XX/XX/year>, and closed with XXXX on XX/XX/year>. It wasn't flagged on my credit report as collections until XX/XX/XXXX, XXXX This incident has caused significant distress as I have suffered from identity theft in the past. I am actively working to resolve this issue and would appreciate any assistance you can provide. 

I contacted XXXX and requested for it to be removed from my report via a dispute. I also contacted the reporting agency and informed them of my situation. They provided me with additional information and asked me to submit a claim with them as well.
Consumer complaint received 2023-04-17
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 name is 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 reportsno consent is fraud. 

XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$8100.00}, XXXX XXXXXXXX Balance : {$7200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX XXXXXXXX Balance : {$7700.00}
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Please see attachments. 

Citi Bank has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to CitiBank regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX BANK STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

I am writing to dispute the following information in my credit report as provided by your agency. I have reviewed my credit report and found inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

The item ( s ) I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( a ), you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. 

Please reinvestigate and correct the disputed information at the earliest, and provide me with a written confirmation of the outcome. Additionally, please send an updated copy of my credit report once the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (CO)

There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of buying a new home and i can't move forward because of those inquiries. Kindly remove them as soon as possible : XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXXXXXX inquiry date XX/XX/2023 XXXX inquiry date XX/XX/2023
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-05-17
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. (OR)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions (SC)

XXXX XXXX  violated the law since they never notified me that I owed a debt prior to sending it to collections. 

They said they notified me by mail, but it was mailed to my past address of the property they knew I no longer lived in since they managed said property. They made no attempt to call or email me to notify me or obtain new address. 

This is the only negative on my credit report. Even if I pay the debt now to the collector, it will not fix my ruined credit score.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX  - XXXX : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and Equifax ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Credit Reporting Agencies ( CRA ) should not be in the business of selling Credit Monitoring Services to consumers. By allowing CRA to sell credit monitoring services at the consumer level, it gives the CRA an incentive to not protect the consumer in hopes that the consumer, feeling less protected, will turn to the CRA and be willing to pay them for protection. It makes me feel as if I am being extorteed. I have a free credit monitoring account with Experian. But only the paid credit monitoring accounts allows consumers to place a Freeze on their account.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2024-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was charged several months for services I did not sign up for nor was provided. It shows on my Account transactions the amount {$32.00} charged for several months under XXXX XXXX as well as transactions XXXX  XXXX {$65.00} in the XXXX timeframe. I contacted XXXX  and they pointed me to XXXX, I contacted XXXX twice ( again today, XX/XX/XXXX ) and they have no records of me subscribing to XXXX  nor XXXX during that time. I tried contacting XXXX and they wont investigate fraud/refunds past 4 months of the transaction. I contacted my bank ( bank of America ) and they wont investigate fraud claims past 1 year from the transaction in question. Today it is 1 year and 2 weeks later ( the last fraudulent transaction was XX/XX/XXXX ) so I am technically within a year to the month. Even if the bank nor XXXX is not able to refund me, this should be investigated as a fraud/scam so it doesnt happen to other consumers. I XXXX  this type of charge and others have posted online having a similar experience being charged ( with also a XXXX XXXX link in their transactions ) services they have with no record in XXXX XXXX or XXXX XXXX  having signed up for the service. Example : XXXXXXXX XXXX XXXX Please see attachments.