davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX removed the account and transunion has not yet removed the account as of XXXX XXXX. i will attatch a file stating that XXXX removed from all credit files but transunion has not yet removed the file.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TN)

XX/XX/XXXX I got a title loan approved from Title Max of {$2500.00}. My vehicle is an XXXX XXXX XXXX with a mileage of about XXXX. I was making the payments and fell behind but only twice for repossession and I paid the payment down to avoid it. The second one came in XXXX before XXXX. My car was picked up on the XX/XX/XXXX for being 71 days behind which is {$910.00}. Anytime it got over {$1000.00} Id make a payment or even tried to keep it under {$800.00}. My friend got a title loan on his car, XXXX prior to me getting one. The difference is, He had a XXXX XXXX XXXX with around XXXX miles and they gave him {$1200.00}. He missed all payments except his first one or two. His vehicle sat outside of our home for at least XXXX months with no payment. He eventually sold it for junk. Title Max NEVER picked up his car for being months behind, all they did was kept calling. So I figured, yes Im behind but was making payments each month at least 2x a month, so I felt like hey, i just fell behind the week before they picked it up so they arent in a rush to come get it. My concern is they Title Max is using discriminatory practices as to which vehicles would have more value to them to repossess and gain profit and those are the ones they rush to pick up and leave those with less value to them. My truck was older with more miles than my friend vehicle and yet, his car never got repossessed and mine did even with me making the payments. They gave me XXXX days to get my car back as of right now all I have to do is pay the amount Im behind on {$910.00}, and I can get it back and keep making payments. Well, if the vehicle could still be mine, why did they break into it, remove my tag, take items out etc? If youre house was up for eviction and they gave you XXXX to make a payment or move, are they going to come in your house and put all of your things out before those XXXX days? Right, makes no sense. Title Max of XXXX, Tennessee XXXX
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern, TransUnion is reporting two addresses on my credit report that are not only non-existant addresses but addresses which I have never lived at. 

Specifically, TransUnion is reporting " XXXX XXXX, CA XXXX '' and " XXXX XXXX, CA XXXX '' as my addresses. Even if I did previously live at these addresses they are formatted in such a way that it would be impossible to apply for a bank account or credit account and have the bank verify the address provided by the consumer with the address provided by the credit check. In effect, this false information locks individuals out of financial services and TransUnion should have never let this clearly false information be maintained on a credit report. 

There is not such thing as XXXX XXXX, CA XXXX '' or " XXXX XXXX, CA XXXX ''. Please see the attached screenshots for more details. I would like TransUnion to immediately remove these prior addresses and apologize.
Consumer complaint received 2022-11-25
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: Self Financial Inc. (TX)

In accordance with the Fair Credit Reporting Act, " Self Lender, INC '' and " XXXX XXXXXXXX XXXX XXXX '' has both violated my rights. 

Under the 15 USC 1681 Section 602 ; it states I have the right to privacy.

15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

opt out letter sent to company rescinding/revoking their ability to report anything on my credit report on XX/XX/23 they received on XX/XX/23, they were given 10 days to comply with my written request which would have been XX/XX/23, it is now 13days past certified mail # XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (DE)

On XX/XX/XXXX, XXXX and XXXX XXXX sold house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to private purchasers. On XX/XX/XXXX, {$940.00} was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to pay the XXXX  bill and close out the account XXXX XXXX XXXX XXXX XXXX 

Since then, the new owners have converted the XXXX  system to electrical and removed the oil fired furnace from service. 

On XX/XX/XXXX, XXXX and XXXX XXXX received another bill from XXXX XXXX for a maintenance plan and interest for billing not being paid. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  said the account was closed back in the spring and we should not be getting billed. She submitted a transaction to XXXX  out the balance. We received another bill on XX/XX/XXXX, so I called her again on XX/XX/XXXX and was told again the account was closed and we owed {$0.00}. 

On XX/XX/XXXX, we received a notice that the bill was submitted to Sunrise Credit Services for debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We do not owe XXXX XXXX or anyone else for a maintenance plan for a house we do not own for a furnace that does not exist.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CT)

I never received any notice that I can dispute the debt. I also went threw identity thrift which I now have a lock on my credit to prevent this from ever happening again. I never received information or the original contract with my signature on it from the original debt
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (PA)

Ally Bank has not paid me a promised {$200.00} bonus for which I qualified, so I am asking CFPB for assistance. 

In XXXX XXXXXXXX, Ally Bank offered a bonus of {$200.00} using the promo code XXXX for opening and funding a new SPENDING ACCOUNT. 

As I previously had a savings account with Ally, I called its customer service to confirm if I would be eligible for this bonus offer. I had never before had a spending account with Ally. A customer service agent confirmed that I would indeed be eligible for the {$200.00} spending bonus and encouraged me to sign up for the offer, which I did on XX/XX/XXXX. 

I changed my direct deposit to Ally Bank and deposited more than the required {$1500.00} direct deposit ( {$1700.00} on XX/XX/XXXX ) well within 90 days from the time I opened the account, per the requirements of the bonus offer. The bonus of {$200.00} should have posted to my account within 30 days of that direct deposit, or by XX/XX/XXXX, but it never appeared. 

On XX/XX/XXXX, I called Ally Bank and spoke to a customer service agent named XXXX about this issue. It became clear from this conversation that either Ally customer service agents are not well trained about this offer or are intentionally evasive in order to get customers to give up what is owed to them. First, XXXX claimed my account was not in good standing, which disqualified me for the bonus. This was not true as my account was open with a balance and the account had never been overdrawn. Secondly, XXXX claimed I had to have kept the entire direct deposit in the account to earn the {$200.00} bonus. But the requirements ( see attached ) clearly do not state that, I countered. Thirdly, XXXX said I had previously had a savings account ( since closed ) with Ally, so I was not a new customer. I informed him that the requirements specifically state disqualification for the bonus only if an applicant had a SPENDING ACCOUNT previously, which I had not. He read the conditions of the bonus and agreed I should have received the {$200.00} bonus. He promised to manually escalate my request to a supervisor and that I should receive the {$200.00} within 1-2 business days. It has been three weeks since that conversation, but the {$200.00} bonus has not been credited to my account. 

This is clearly a case of bait and switch so that Ally Bank gains more clients and deposits without paying out the bonus they advertised. This is a particularly egregious offense as I am a XXXX XXXX Will you please help me with my complaint to Ally Bank so that my {$200.00} bonus is paid to my account? Thank you.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, I am writing this complain against Portfolio Recovery Associates because they had actually continuing harassing me by sending me letters over and over by mail regarding a debt they say I allegedly I owe. 

I have never had business with this people. No sign contract signed with my wet ink with PRA. There is no existing of such contract. Also, this debt has passed the statute of limitations from the state of NYC. 

This caused me emotional distress and I may need to seek legal advice of what to do next. 

Please see reference letter from General State Attorney : https : XXXX Once the statutory limitation period passes, debt collectors can not attempt to take any legal action against debtors. After the statute of limitation passes, the debts dropped and no claim can be filed against involved parties.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I received military orders for involuntary XXXX overseas that I will be leaving in 2 months. I called American Express and gave them all the information on my orders. I also asked them how to upload my official orders to show proof that I am leaving and to stop the annual fees since I will not be using them during my XXXX. They kept giving me the run around and I was never able to send my orders online, but they said from the information I provided them they should be able to take care of it. I receive a letter XX/XX/XXXX that was dated XX/XX/XXXX that I do not qualify for SCRA because my orders ended more than 180 days ago. I am looking at my orders and they do not start until XXXX XX/XX/XXXX - XXXX XX/XX/XXXX which I received on XXXX XX/XX/XXXX. They are looking at my old orders in the system and not my new ones. According to the SCRA I should not be charged the annual fees and a maximum 6 % annual interest. I attached by official orders here.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I attended XXXX in XXXX, FL from XXXX, I am left behind with a ton of student loans. My degree was in XXXX, I decided to continue my eduction in XXXX and several schools I applied to informed me that my my credits were not transferable basically the school is not accredited. The school has since closed, there are many complaints and class action suits against XXXX. I was never able to find a good paying job in the field therefore always struggling to make payments on my student loans. I recently called Navient to get a breakdown of the money I took out to pay for this non accredited school and they were not able to give me a right number. After giving me the total I confronted them about not adding up to the total from several months ago but they always have an answer for everything. Navient is another who has a suit against them, I believe that they have falsely given my information not informing me in the past of the best programs for me to make payments to them, although I feel as I have been taken advantage of by both XXXX and Navient and my debt should be forgiven. I am now a XXXX and not able to pay my loans. Can you please look into both XXXX and Navient and get this deceitful debt off my shoulders so I can breathe again. Thanks so much!
Consumer complaint received 2024-01-08
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)

The following accounts are illegally reporting on my credit report without my written instructions and is a violation of Gramm-Leach-Blilley Act under 6801,6802.

Additionally, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

I want the listed accounts to be removed immediately. 

XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If any of these accounts are verified/ updated send me the Description of the Procedures used to verify these accounts in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA 611 ( a ) ( 7 ) which I am privy to in 15 days in accord with law.
Consumer complaint received 2024-04-11
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. (MD)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


In accordance with the fair credit reporting act XXXX account # XXXX has violate my rights. 

15 U.S.C 1681 sec 602A States I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 Also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (CA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (MO)

It is now the year of 2024 and Heights Finance maliciously continuous to damage my credit by reporting increased balance on my credit although it's a charged off account? They are very malicious and vindictive my credit was beginning to improve until they come in and target me and put me in economic harm they know I can not afford to pay them back that's why I work self employment now so they can not garnish me! They do everything to attack my credit and report balance increases on a charged off account they need investigated! I'm sick and tired of this to the point imma go with a protest banner to their XXXXXXXX XXXX XXXXXXXX that reads, SHAME ON HEIGHTS FINANCE! Do business elsewhere! Again a chargednoff account that was involved in litigation and there is a judgement in place should not still be reported to XXXX! For those who need to know who read this I took out a XXXX XXXX loan got into economic hardship as lost job I even paid for frivolous insurance to protect me if jobs lost and they refused to cover me although heights sold me a fake guarantee! Now I owe over XXXX XXXXXXXX look how much hwy robbery there attempt to get! Guess what heights I'm remaining self employed suckas lol ain't getting nothing but to continue to hurt my credit
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Opt out letter sent to company revoking /rescinding any permission to report on my consumer report, letter sent on XX/XX/XXXX, it was received by them XX/XX/XXXX, gave them 10 days to comply and remove all entries on my credit report today XX/XX/XXXX is the XXXX day certified mail # XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

I received notice that Carrington Mortgage Services is now servicing my Veterans United Home Loan. The XXXX page letter does not contain any information regarding the valdity of this transfer. There is also not instructions on how to make automatic payments. The servicer wants me to mail my mortgage payment ( does not even list the payment amount ) to a specific address. I do not know the validity of this and do not know if this is a fraudulent notice trying to get me to pay them my mortgage payment.