davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
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: NAVY FEDERAL CREDIT UNION (FL)

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX - XXXX - Debtor- Portfolio Recovery Associates took me to court I believe in XX/XX/XXXX. The Judge reset the next hearing for them to provide the necessary documents to substantiate their claim. On the next hearing XX/XX/XXXX they did not provide any documentation that the judge requested. The Judge then filed an order to dismiss their case against me. I have filed multiple disputes with the credit bureaus ( XXXX XXXX XXXX, & XXXX ) providing them with the court order from the Judge dismissing my case. The have elected not to remove the claim by Portfolio Recovery Associates I also contacted Portfolio Recovery Associates to stop reporting debt due to the dismissal from the Judge. They have refused to remove the claim and has changed the date to keep this going on and on which has negatively impacted me for the last XXXX XXXX years. They refused to stop their harrassment to me and affecting my credit. 

I do not know what else to do to get protection from this Company that has lost in court and received a judgment. The Credit Bureaus won't assist me with this issue. I need your help Please let me know what's my next step?
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : XXXX. Investigating the origin of this account and the validity of XXXX XXXX reporting on my credit file. 
XXXX. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
XXXX. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

I have had my student loan serviced by XXXX and then to Navient and I have not had the balance go down/decrease in over 9 years of repaying. I believe the accounting of the loan is being mishandled specifically by Navient and/or XXXX. I have spoken to representatives of Navient numerous times and they have not explained to me how this is possible. A representative told me he would provide the accounting calculations to me in writing and I have not received those documents. I have been paying consistently close to $ XXXX/mo for 8-9 years which should calculate to be about {$80000.00} however my balance still remains the same. In fact every month after making the payment of {$900.00} my balance goes up every month. I am in a " payment plan '' that is impossible to pay off therefore the agreement between Navient and I is unconscionable and fraudulent. I believe the CFPB should investigate my case fully to uncover the underhanded practices of Navient as I have been paying my student loans diligently for almost ten years and not getting any progress.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

Subject : Debit Collector 's Refusal to Remove Account from my Credit Report Dear CFPB, I am writing to call your attention to a debit collector that has been preventing me from having access to credit lines despite my attempts to resolve the matter. An account that is currently reported on my XXXX credit report has an outstanding debt that the debit collector has refused to validate for over XXXX days. 

The debt collector has been repeatedly contacted and informed of their obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes validating the debt upon request. However, they have ignored my requests and continue to stay on my credit report indefinitely, despite not being able to provide proof for the validity of the debt. 

I am reaching out to you today to seek your assistance in resolving this issue, as it has made it difficult for me to access credit lines needed for important purchases. I have disputed the account with XXXX and have shown evidence that the debt can not be validated. Yet, the debit collector has continuously ignored my attempts to resolve the issue and refuses to take the erroneous mark off my credit report. 

I would truly appreciate it if you could investigate this matter and ensure that the debit collector is held accountable for their refusal to validate the debt and remove the account from my credit report. Even the dates on my credit report for this History balance keep changing they are now making it reflect the year XXXX when they have been attacking my report for over XXXX  years. Please let me know if you require any additional information. 

Thank you for all your assistance in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My loan was sold by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. They have repeatedly called me asking to give me refinance options which I don't want to do. I have complained that they are calling me on a masked phone number- appearing to be a local call when it is not and calling my mobile phone which I didn't want them to do. I asked to be placed on a do not call list and the calls continue. They now have called my work number. and no amount of complaining seems to help. This is a truly unprofessional company and their must be some law the prevents them from badgering customers to refinance so they can get fees and rollover loans at rates they don't like.
Consumer complaint received 2024-11-20
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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contain fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIS from my credit report. 
ACCOUNT : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

I requested a copy of my report on XX/XX/2023 using all my identifiable information that is on all of my credit reports. 

I received a letter stating they could not provide one as they were unable to verify my identity even though I provided my name, email, Social Security number and mailing Adress. 

I emailed on XX/XX/2023 and was never responded to. 

I believe this is an attempt to delay my report as my address that is listed is on all three of my credit reports as my mailing address. I provided my correct email, phone number and social security number.
Consumer complaint received 2024-07-26
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)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-17
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: ID Analytics, Inc. (NY)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, I traveled to XXXX. My car is in California ; I did not rent a car and instead used XXXX  and XXXX exclusively. 

Capital One cleared a charge for {$550.00} to a merchant named " XXXXXXXX XXXX XXXX '' at XXXX, MD XXXX US. I did not make this charge. 

I called, and Capital One initially removed the charge the reinstated it. They insist that because the charge was made with a chip or something, that they're going to clear it no matter what. 

The thing is -- and they admit this -- this charge occurred shortly after a charge at a food truck. That food truck is in downtown XXXX  in walking distance of the XXXX XXXX and XXXX XXXX. I did buy the sandwich at the food truck. 

The claim that the fact I couldn't get from downtown XXXX  to XXXX MD in that period of time is additionally irrelevant. 


Information : XXXX XXXX XXXX gives the address : XXXX XXXX XXXX, XXXX, MD XXXX Attached : docs from Capital One pertaining to this. 

XXXX XXXX, noting the time of the text re : the charge. 
XXXX, my XXXX ride from the airport to downtown XXXX  where I stored my suitcase, arriving XXXX. This ride cost {$100.00} ; needless to say, I wasn't driving off to random cities ( with the car I didn't have ), to go shopping at an auto store. 
XXXX, my museum admission ticket in XXXX  for XXXX  photo XXXX, last photo inside museum, date stamped XXXX. 
XXXX XXXXXXXX, in the XXXX XXXX, date stamped XXXX I believe the charge was at XXXX, as per the text messages, but Capital One hasn't been clear on whether it was XXXX or XXXX ( possibly my phone didn't reset the time zone from PST -> EST correctly? Not sure ; I flew in from California on a red eye, landing that Monday morning. )
Consumer complaint received 2023-07-17
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: LEXISNEXIS (NY)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (RI)

Hello, I am trying to have my mortgage lender process a XXXX XXXX XXXX XXXX XXXX XXXX. 

My lender is Freedom Mortgage. Freedom Mortgage is not acknowledging that this process exists, providing in anyway. 

I believe they are deliberately denying my requests in their own interest. 

A release of liability for an existing XXXX XXXX XXXX XXXX XXXX XXXX mortgage is my legal right as a XXXX My lender is violating my rights and not upholding the laws and procedures of XXXX XXXX Mortgages.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (UT)

XXXX XXXX, I began receiving repeated phone calls from various individuals from various phone numbers saying they were with Central Portfolio Control. When I asked what the calls were about, they said it was regarding a personal matter but couldnt tell me anything else unless I provided my social security number, date of birth, or other personally identifiable information. I explained that my identity had been stolen last year and in light of the prevalence of scams, I would not do so unless they contacted me in writing to let me know who they were and what the calls were about. On one occasion, XXXX XXXX informed me they sent written correspondence on XX/XX/XXXX, and I explained I never received anything. I also told her I am enrolled in the XXXX Informed Delivery program and receive emails daily with images of the envelopes being delivered to my mailbox each day and never received an email with an image of a letter from Central Portfolio Control. She said they would resend the letter, but to date, I have never received ANY written correspondence from Central Portfolio Control. On XX/XX/XXXX, I received notification that Central Portfolio Control reported a {$1500.00} debt delinquency to XXXX and XXXX-without ever telling me what they were calling about or sending written notification. Once I saw the amount, I immediately knew the alleged debt stemmed from a XXXX dispute with a former landlord who, to this day, has never filed a lawsuit or received a judgment against me. I called Central Portfolio Control and advised that I have repeatedly disputed the debt with the landlord, and multiple attorneys and debt collection agencies they hired who all failed to pursue the action-presumably because there is no legal basis for the debt. The dispute centers on whether I agreed to an early termination fee in a buy out agreement separately executed from the lease. The term termination fee appears nowhere in the buy out agreement or in the lease, and significantly, the apartment was rented before the expiration of my lease term so the landlord had zero damages. Under Arizona law, the landlord has a duty to mitigate damages and they did so, fully. At all times, I have disputed this alleged debt and no judge or arbiter has rendered a final judgment on this issue because the landlords attorneys and prior collection companies have all abandoned the endeavor and failed to file any legal action to recover the legally invalid debt. I have kept detailed records of all communications ( most of which were sent via certified mail with proof of delivery ) as well as the original lease and buy out agreement. I am fully prepared to litigate this case and maintain the alleged debt is legally invalid. Central Portfolio control unilaterally reported to the credit bureaus on an alleged debt they failed to properly verify or otherwise inform me of. My credit score has been adversely affected and I intend to pursue all remedies afforded to me by law.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Trans Union simply refuses to delete the XXXX ( XXXX XXXX ) XXXX dated XX/XX/27 that is not mine. Customer Service expected me to do their job and as well as asked me to submit irrelevant documentation. XXXX and XXXX with no questions asked deleted the incorrect XXXX inquiry from my reports with them. Furthermore, there is a fraud alert on my Trans Union report that I did not authorize and needs to be removed.