davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC (FL)

I am writing to report a serious issue concerning Early Warning Services ( EWS ) as reflected in their reporting of my financial records. I have discovered an entry on my EWS report indicating a suspicious account or transaction that I did not authorize and do not recognize. This entry suggests that there might be fraudulent activity associated with my personal financial information. 

Upon discovering this entry, I promptly contacted EWS to dispute the record and requested detailed information about the account and any associated transactions. However, my request has not been satisfactorily addressed, and the questionable entry remains on my report. The lack of resolution and the persistence of this unverified information have caused me considerable distress and potential harm, including but not limited to financial scrutiny and limitations on my banking activities.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MD)

I had a XXXX XXXX account that has been closed. The account has a remaining balance of payments managed through Genesis FS card services which is now known as Concora Credit. I have a payment arrangement for the outstanding balance this payment arrangement includes only one payment per month. I did not authorize multiple payments per month due to my financial hardships. I have noticed that Concora Credit has an unethical and possibly illegal business practice of charging two payments at a time. I spoke with a representative who asked if I authorize a payment of {$210.00} on XX/XX/2024 however I was charged the same amount twice. On my bank statement, I see two payments-one for {$210.00} to Concora Credit and one payment of {$210.00} to Genesis FS card services which is interesting. I called Concora Credit and brought this to their attention but they told me they could not refund the extra payment after they confirmed that they had taken more than one payment. I assume they see this as a legal and ethical business policy. I tried to dispute it with my bank but they told me to reach out to the Concora Credit. They told me to reach out to the Concora for a refund am filing this complaint just in case they still refuse to refund the extra payment and because this has happened to me before. I think Concora Credit does this to all their customers which should be illegal. It's like stealing from customers and saying well you owe us anyway. Please assist me with getting my money back.
Consumer complaint received 2023-02-16
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Carvana Group, LLC (WI)

We purchased a car with Carvana on XX/XX/XXXX. We had outside financing and decided to increase the downpayment to them. Because of that, we just paid the downpayment to our lender and the lender cut Carvana a check for the full purchase price of the vehicle. Carvana still took the original downpayment amount out of our account using the ACH form. Carvana received the full purchase price plus the amount of our original downpayment. We have followed up with Carvana three times since then and they keep saying that we're in line to get reimbursed. We have not yet received the reimbursement.
Consumer complaint received 2024-05-02
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: LEXISNEXIS (NV)

SEE ATTACHMENTS! 
I have reached out to XXXX XXXX due to a public record thats it not supposed to be reporting on my consumer report per FCRA law and results did not fix an error.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The following accounts are incorrect, and is affecting my livelihood. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent out a notice of dispute XX/XX/23.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (PA)

In accordance with the fair credit reporting act at XXXX AccounXXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC1666B : A creditor may not treat a payemnt as an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-02
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

It is XXXX. Navient has tried to add an old account to my report that was closed in XXXX. XXXX XXXX and XXXX noticed it was fraudulent and removed the account but XXXX refuses to. How can they get away with this? How can they add an account 8 years later to my report? They are crooks and scammed me from day one with multiple loans with sky high interest rates. Please help me fix this issue
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (SC)

I opened a retail credit account for the sole purpose to finance a security system in XX/XX/XXXX. I received an email XXXX that my account was being upgraded to a Fortiva credit card with XXXX XXXX XXXX. I received the credit card in the mail about a XXXX  later. My account balance was transferred to this new credit card that I never approved. I reached out to the company on XXXX or XXXX XXXX, and their response was : Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. A review indicates that the change in terms mail regarding the upgrade was sent to you on XX/XX/XXXX with an option to opt out from the change till XX/XX/XXXX. Since you have not opted out by the specified date, your XXXX  account has been upgraded to a XXXX with a credit limit of XXXX  and your previous balance was transferred as well. 

Please be advised that with your previous Fortiva retail account, you only had the option of making purchases with XXXX. However, your new Fortiva XXXX empowers you to use the card for everyday purchases, XXXX  cash at financial institutions and ATM 's worldwide or rent cars, hotel rooms, and shop online. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 

Please note information you send to us contained within or attached to an email is not secure until it reaches our servers. 


I never received any mail from Fortiva indicating a change. Additionally, failure to opt-out is not sufficient to grant permission for a company to open a credit card in ones name.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This Morning i woke up to a Hard inquiry from Capital one bank. I never applied for any forms of credit so Im not sure why there would be a hard inquiry on my account. Also i havent applied for any forms of credit because i been trying to clean and repair my credit. I called capital one as well as XXXX to report this issue.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (OR)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Subject : Formal Complaint Regarding Violations by XXXX and Adverse Actions XX/XX/XXXX I am writing to bring to your attention a matter of significant concern regarding the actions of XXXX, which have resulted in a violation of my rights and have caused harm for the second time. Despite being in arbitration, XXXX has continued to take adverse actions against me, impacting my financial well-being and reputation. 

It is imperative that my account with XXXX be placed in a " do not collect, do not pay '' status immediately to prevent further harm. I have duly notified XXXX of the ongoing arbitration process as a conscientious consumer, and I strongly believe that these actions are being carried out intentionally to undermine my rights. 

I am deeply troubled by the deliberate nature of these violations, which I perceive as a blatant infringement upon my consumer rights. It is evident that certain individuals are neglecting their responsibilities, leading to these unjust actions. I demand that this situation be rectified promptly. 

As previously communicated, I did not authorize XXXX to report any transactions, including late payments, to my account. XXXX is aware of this breach of my consumer rights, and I expect appropriate actions to be taken to address this issue. Should such violations occur again, I will seek compensation for the damages incurred. 

I trust that you will handle this matter with the seriousness it warrants and take the necessary steps to ensure that my rights are upheld and protected in accordance with the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Associates Loan Servicing LLC (SC)

I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (MI)

A fraudulent account was opened under my name on XX/XX/2022 from CKS Prime Investments in the amount of {$750.00} and {$740.00}. I have disputed it numerous times and the credit bureaus still claim to verify an account that never existed between me and the creditor. I would like to take this issue to litigation if this account is not removed from my credit profile. I was forced to pay it as it severed my credit rating and ability to conduct business. The creditor promised to remove it upon payment but they did not.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to XXXX per violation and clearly they violated my rights.
Consumer complaint received 2023-11-13
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. (NY)

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.

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

UN-AUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (VA)

Skrill decided to lock my account for the third time on XX/XX/year>. I was trying to use the debit card as intended by funding it and using the card to spend, but for no apparent reason, they decided to lock my account and lock {$1100.00} of my funds in there. I have submitted all the verification documents they asked for in the process, and tried reaching out multiple times to get this issue resolved, but up until today ( XX/XX/year> ), there has been no resolution.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (WI)

I was playing a phone game, " XXXX XXXX '' through XXXX XXXX. They had issued refunds ( my withdrawals of money ) to my PayPal account which is reflective on my Paypal account. My credit card company, XXXX XXXX XXXX never received the attached refunds. I have been contacting both XXXX and PayPal and they continue to point the finger at each other. PayPal says XXXX needs to " approve '' the pending authorization for refunds. XXXX says it is automated and they do not see any pending refunds from Paypal. I need help. I have had XXXX and Paypal speak to each other three times and am calling them every other day. I do not know where else to turn..
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have profilino recovery removed off my XXXX  report i cant seem to get off my other report. It been removed because of fraud. I have dispute it with them a million times cant seem to get them to take off.
Consumer complaint received 2023-10-02
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'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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (IL)

My name is XXXX and have worked on fixiing my credit. as the months passed my score has increased and has got better.I also called them and they told me that its better and a copy was sent Recently I have applied to several apartments and have been denied with a letter and a XXXX LOW credit score. I need help with this
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

Someone from chase card called asking me to verify information.

I would not then trans feredme to someone saying they were with CFFB. WANTING MORE INFO AND ASK FOR NUMBER THAT CHASE GUY GAVE ME FIR A CLAIM NUMBER. XXXX. 
BOTHE THE CHASE GUY AND LADY HAD FORIEN ACSENTS. 
I did not apply fir a card From CHASE I already have XXXX. 
Thank you Regards XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.