davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

I recently saw this account added to all three of my credit reports, but have no knowledge and have received no notification of the debt. On my XXXX   credit report it is listed twice as a collection and once as an active account in good standing. I don't understand this as I have no contract with this company. I have not received any written notification and have not been provided an opportunity to request verification and/or validation of this debt. I have no contractual agreement with XXXX XXXX  at all. They are in violation of the Fair Debt Collection Act. I have now made disputes through XXXX, XXXX, and XXXX. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' and have yet to receive any information. They indicate I owe {$970.00}, but when I talked to an employee there he said they can lower it to ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added to my credit reports. It just showed up about 3 weeks ago within a few days of each other, and shows it has been reporting sinceXX/XX/XXXX, which is incorrect as this same debt was being reported by another agency and this was removed from ALL of my credit reports just last month, which means they are stating they were engaged in duplicate reporting. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. XXXX is in full violation of the law and this needs to be taken today. I am also advising concerns that they do not have my proper info. They were not able to verify my correct address or refused to and wanted me to do so and I have not received any information from them regarding any recent activity from phone calls and or their supposed debt purchase and entry of information onto my credit reports for all 3 reporting agencies.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC (TX)

Hi, I have a complaint against an underhanded business named XXXX XXXX XXXX, which is a pay day loan company. Their address online is listed as XXXX. XXXX XXXX, XXXX XXXX SD, XXXX. 

The issue that Im having with them is that theyre preventing me from making extra payments on my pay day loan in order to bring the principle down and combat their absurdly high interest rates, charges, and fees. On XX/XX/2018, I called their listed customer service number ( XXXX ) in order to make an additional payment on my loan after they just debited XXXX from my account on that same date. I was told twice by the customer service representative during two separate phone calls that their stipulations stated that I could only make an additional payment if I notified them 3 days prior to my draft date. The representative told me that I would have to wait a whopping 11 days before I could schedule to make an additional payment. Meanwhile XXXX dollars and some odd cent in interest would accrue per day in addition to their other fees that Im currently being charged ( XXXX in interest + XXXX base fee ) I understand that pay day loans often carry super high interest rates and fees, but Ive never encountered a loan company, pay day loan, or otherwise that literally prevented a customer from making extra payments whenever they wanted to. 

What XXXX XXXX is doing is unethical and it cant be legal. XXXX XXXX is literally holding my loan hostage and preventing me from making any payments for 14 days, so their absurdly high interest rates and fees will pile up. This company should be shut down for their predatory practices on consumers. I urge anyone and everyone to avoid XXXX XXXX XXXX at all cost! No matter your emergency loan needs, XXXX XXXX XXXX is not the way to go!
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I keep receiving emails wrongly claiming I'm helping credit repair companies. This is not trueI send all correspondence myself. 

Please correct this immediately. Attached is a list of negative accounts and inquiries I want removed. If this is not resolved, I will consider legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized account has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account : XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-30
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. (TN)

This probably happened about two years ago, ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.
Consumer complaint received 2024-07-18
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. (GA)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked.
Consumer complaint received 2024-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX, I was notified via my online portal and email that my School Misconduct Discharge application was received by Navient. This application was submitted to dispute my private loans and request their discharge due to the mismanagement and misconduct of The XXXX XXXX XXXX XXXXXXXX, where I attended from XXXX to XXXX. XXXX XXXX XXXX is no longer an open institution and has not been for quite some time. I provided all necessary documentation, including detailed responses to all questions, evidence from articles and government-affiliated sources, a signed letter, and transcripts from the community college I attended afterward, showing that none of my credits from XXXX XXXX XXXX transferred due to its lack of accreditation and affiliation with educational institution as it was a for-profit school, and much more. 

On XX/XX/XXXX, I received an email from Navient stating that my loan servicer would be changing to XXXX beginning XX/XX/XXXX. Concerned and confused, I immediately called Navients department that handles school misconduct applications. The representative confirmed that my application was received on XX/XX/XXXX, and assured me that I would receive a response within XXXX business days from that date. 

However, that time has passed, and today, when I logged into my Navient account, I received a notification stating that my administrative forbearance will end in 36 days ; this notification was located in the notification center only. I have not received any communication, whether by email, letter, or phone call from advocate, regarding the status of my applicationneither approval nor denial. 

I am requesting an update on the status of my application, as I believe I have submitted all required documentation correctly and promptly. Despite being informed by a Navient representative on XX/XX/XXXX, that I would receive a response within XXXX business days, I am still awaiting an answer, and I am now faced with the unexpected news that my administrative forbearance is ending soon. 

I have attempted to contact the same department at Navient twice today, but unfortunately, I have not been able to reach anyone.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal banned my account, I comply this legay agreement, this a new PayPal account no transaction history record., but shut down my account immediately.i don't know what happening in my account. 

Thank you CFPB for understanding and assistance. 

Sincerely XXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. According to 15 USC 6801, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The Synchrony Bank qualifies as a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states that " Any consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. '' Neither the financial institution Synchrony Bank nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to share this information, as I have not provided any written consent. All prior consent to XXXX, XXXX, and XXXXwhether verbal, non-verbal, written, implied, or otherwiseis revoked.

15 USC 6802 ( b ) ( c ) specifies that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise this nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of cr
imes, which antedates the report by more than seven years. '' The adverse item reported by the consumer reporting agencies without my permission is against the law.

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e requires that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. '' XXXX, XXXX, and XXXX are failing to maintain reasonable procedures. 

Finally, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services regarding the referenced account Synchrony Bank / Rooms To Go Account # XXXX which was opened in XX/XX/2022. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-26
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. (PA)

This is another request for FCRA Method of Verification 611 ( a ) ( 7 ) / FCRA 611 ( ( 6 ) a ) ( B ) ( ii ) Trans Union has ignored my first request.

Please be advised I am exercising my rights under 611 ( a ) ( 6 ) ( B ) ( ii ) which provides a consumer may request " a description of the procedure used to determine the Accuracy and Completeness of the information shall be provided to the consumer by the agency, including the business name and address of any FURNISHER of the information and the telephone number of such FURNISHER, if reasonably available. 



Re : XXXX # XXXX......... that I initially disputed via CFPB Complaint # XXXX XXXX on XXXX/XXXX/223. The basis of my dispute was the XXXX XXXX XXXX XXXX XXXX XXXX which provides me a right to notice before my non public personal information can be reported and Title XXXX XXXX XXXX ( a ) ( XXXX ). I received notice on XX/XX/2023 that this information that is not suppose to be on my consumer reports in the first place without my instructions has been updated again. This is another violation of my Privacy Rights violating XXXX XXXX XXXX. 
Section XXXX which states I have a right to privacy, Section XXXX which states a credit reporting agency can not report an account without my permission. 
I submitted on XX/XX/2023 CFPB # XXXX requesting a Description of the Procedures used to determine and come to a conclusion that this account be updated. 

Trans Union IGNORED my request!! 

Trans Union Failed to provide a copy of the evidence that I requested substantiating their claims. I am requesting the XXXX of XXXX and you have not complied Please provide XXXX XXXX XXXX under XXXX ( a ) ( XXXX ) within 15 days or remove this account. I will contact the FTC and every agency that will listen as well as eventually take you to court seeking damages regarding this matter. Remove this account!
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Glasser and Glasser, PLC (VA)

In XXXX my identity was stole I had many accounts fraudulently opened XXXX being a XXXX XXXX XXXX  credit card. Apparently there was XXXX in charges occurred on the card. I received no notification from this company or about this till XX/XX/XXXX when the new company XXXX Bank bought them out then I recieved a XXXX to court for garnishment. I immediately started calling XXXX calls and speaking to the legal department they advised me it was charged of in XXXX but could not give me any information on the account since the only thing I could verify was my social and birthday. None of my address or emails matched the account nor could I verify a start date or any charge bc I never had the card. So after a hour with them they advised me that the account was being cleared out and that it would be noted as fraud bc nothing matched other than my name, ssn, and birthday and they seen it was not local charges. I was told that they would contact the court and have the summons dismissed for the account again in XXXX I called and was told I had no balance and that they removed everything from the courts. I contacted my local court and the lady I spoke with took my name and said she didn't see me on the docket. Today my check was garnished 50 % ( XXXX ) I'm currently a single mom of XXXX and this is taking from my bills and my kids for a debit I didn't make and for a company that told me everything was XXXX because it was deemed fraudulent. I called the court who told me they can't do nothing. Called the bank XXXX that said they understand I was lied to but it's out of there hands to call the debit collector glassor and glassor who told.me they need 30 day at least to look into this and they couldn't give me any info bc I can't verify the account. This debit is way over 10 years for XXXX thing and something I never knew about.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00}
Consumer complaint received 2024-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: PENTAGON FEDERAL CREDIT UNION (MN)

I believe I am eligible to receive a discharge of my applicable XXXX student loans since the school I attended committed misconduct. This is called a XXXX XXXX XXXX. 

The school I attended made untruthful and misleading statements while trying to convince me to enroll and stay enrolled. The school concealed, suppressed, or omitted certain Information that would have been important to my decision of whether to enroll or remain enrolled, and the concealment caused you harm. This includes conduct such as : - A failure to provide important information about graduates employee outcomes ( guarantees of employment and wages over a certain salary ), the school 's educational programs ( the ability to transfer credits, the qualifications of my instructors, and if my degree qualified me for a specific certification ; the school 's financial charges, program costs and financial assistance available ) ; or - A failure to tell me that certain factors, like a criminal record or the program not being authorized by the appropriate agency, would prevent you from meeting requirements for employment in the program 's field. 
-The school engaged in aggressive and deceptive recruitment tactics to convince me to enroll and stay enrolled. They took advantage of me. 

My school was sued by the department of education for all the reasons explained. My federal loans were dismissed as part of the XXXXXXXX XXXX XXXXXXXX settlement. 

My loans were with XXXX consolidated before the settlement in XXXX. The total amount consolidation was {$27000.00}, with a current balance of {$20000.00}. The loans consolidated are a direct result of school misconduct. I am requesting a school misconduct discharge.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (NV)

Indigo credit card attempted to open a card in my name on XX/XX/year>! I did not apply but got several notices of a new alert on my account! This was not me please help!