davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/2023 and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.
Consumer complaint received 2020-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III (CA)

I had a credit card with XXXX which was charged off in XX/XX/XXXX in the amount of {$2300.00}. On XX/XX/XXXX, I could not use a debit card, called my bank and they told me I had a levy put on my account in the amount of {$6100.00}. They referred me to the XXXX Sheriffs dept. I called the XXXX   sheriff 's dept. which informed me that I had a judgment against me, they gave me a phone number for XXXX XXXX XXXX which turned out to be the Law offices of Robert J. Colclough , III. I called and he informed that he represented XXXX XXXX XXXX XXXX , XXXX. I contacted XXXX the original debtor and they sent me a letter which stated the account was sold in XX/XX/XXXX to XXXX XXXX XXXX. 
I had never received a judgment or notice of a judgment or was ever served, so I went to the courthouse in XXXX XXXX XXXX, XXXX XXXX division and pulled the paperwork. I found that the XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX sent a notice dated XX/XX/XXXX, stating that they represented XXXX XXXX XXXX XXXX , XXXX According to all of the paperwork, I was served 7 times, none of which I received. Some to a residence I no longer resided. On XX/XX/XXXX, the judgment was substituted to the law offices of Robert J Colclough III, to continue with the case, On XX/XX/XXXX, the law offices of Robert J Colclough III, finally sent me a notice that I owed {$6100.00} and to contact them with payment arrangements. Since they already levied {$3700.00} from my bank accounts ( my Mother 's inheritance ), On XX/XX/XXXX, I faxed them a letter requesting that they accept the amount of {$3700.00} as payment in full and to please file a " satisfaction of judgment '' with the court. and to close the case. I did not get a response from them. On XX/XX/XXXX, XXXX XXXX XXXX XXXX filed another levy notice from the XXXX Sheriff 's dept. requesting {$4100.00}. They did not subtract the amount of {$3700.00} from the original {$6100.00} that they had received, nor sent notification or acknowledgement of receiving the money.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Skopos Financial, LLC (AZ)

When I went to apply for this personal loan using car as collateral, it didn't advise me that the loan value had to be higher than the amount owed on the car loan, until after they ran my credit. There were no alerts or notifications about that potential before they ran my credit. 

I would like this hard inquiry removed because they were operating under a false premise and promised me a loan before giving me all the details.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WI)

Complaint filed with you for a debt on XX/XX/XXXX. I received a letter from Transworld Systems Inc in response. Stating to send them a full police report, also register with identitytheft.gov. I did these, I also submitted copies of my paychecks for the time I was supposedly living in XXXX and this debt was incurred.I work in XXXX and have for 8 years now. Never been to XXXX. 
I was given a name in their letter of XXXX XXXX, I have left numerous voicemails for her, and called the complaint line. I have not received anything back. I have called her at least XXXX time and left voice mails. 
All the information plus my pay stubs we mailed to them on XX/XX/XXXX. Registered mail, they were received and signed for on XX/XX/XXXX at XXXX. 
I have not heard anything and want this removed from my credit report.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SANTANDER HOLDINGS USA, INC. (AL)

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Consumer complaint received 2023-08-21
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXXl XXXX bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by XXXX XXXX due to my credit limit of XXXX dollars. 

I have attached document from XXXX XXXX regarding this matter.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

I am currently paying monthly student loan payments to Mohela for my balance of XXXX dollars and hoping to be forgiven under the Public Service Loan Forgiveness program. Even though I have sent in periodic employment verification forms signed by my XXXX XXXX, Mohela has not applied a count to my forgiveness of this loan since XXXX of XXXX The latest communication I received from them was on XXXX stating that I had not met the 120 payments required for forgiveness when I actually met the goal of 120 payments back in XXXX. Someone that Mohela is not accurately reading my Public Service Loan Forgiveness Employment Verification forms correctly and applying the forgiveness. Meanwhile, I'm still paying them {$75.00} a month. When I ask if I will be reimbursed this monthly payment because I have made over 120 payments now, Mohela will not give me a straight answer and directs me back to the Department of Education when Mohela should have an answer as they are holding my loans. So according to my records, I have met the 120 payments for forgiveness back in XXXX but they still continue to show me at 116 payments for 8 months now. I am also owed a refund of my monthly payments since I met 120 payments and they are still taking my payment each month. It's simple math but Mohela refused to look carefully at my forms and consider what I am stating to them. Please help in getting them to forgive my loans and refund payments I have made since I should have been forgiven. I can clearly see online that I have provided the correct paperwork in order for the loan amount to be forgiven under PSLF.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by Capital One due to my credit limit of XXXX dollars.

I have attached document from Capital One regarding this matter.
Consumer complaint received 2022-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting Act, [ CAPITAL ONE XXXX ] has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-21
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Chase reversed a credit on my account for {$7500.00} payment they had received and didn't return my $ $ XXXX I called, faxed documentation they requested, no response. All documentation was faxed, per Chases supervisor XXXX instruction @ XXXX XXXX branch to XXXX
Consumer complaint received 2023-08-21
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-11
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019, I identified what appear to be several fraudulent transactions on my Bank of America credit card account, following extensive travel within the US.  My card was no longer in my possession, and it is my belief that the card was stolen and/or cloned, as there were many transactions that I could not identify during this period. I contacted Bank of America over the phone, attempted to identify all possible fraudulent transactions with the attending agent, and was informed that a fraud investigation had been opened. 

On XX/XX/2019, the Company issued several provisional credits for these unidentified charges. In the subsequent three weeks, I have received no written correspondence as to the opening of this fraud claim nor its ongoing status. Rather, to obtain the latest status report, it appears I am being forced to access the online Message Center, where the status this entire time has and continues to be, " Researching claim ''. 

I do not believe this behavior is in compliance with the Fair Credit Billing Act, which requires formal written correspondence for these matters. Additionally, I would note that I have never opted into paperless delivery of any account communications, much less something as significant as fraud. 

Further, I do not feel my consumer rights are properly protected, if I am being forced to continually access the portal for updates or possible future information requests from the Company during their process.
Consumer complaint received 2024-04-02
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

This seems to be the only way to contact this company. The first time they sent me a debt validation notice that was wrong for a {$380.00} debt. Said it was put in " restrictive status '' not sure what that meant. And they said they mailed the debt validation not on the XXXX as their paperwork indicated but on the XXXX which was a Sunday. Which turned out to be a provable lie. I tried to call them I faxed them no response. What is restricted can you still sell the debt is it erased? Filed a second CFPB complaint they responded with were having an internal investigation were closing the account. I have tried to find out what that means. I called them left messages. I want to know if they can resell this debt or if it's gone. They also are supposedly holding an internal investigation I don't know if that is true or not but I'd like to know the outcome of it. Who did what? What was the punishment? Why do I need to file CFPB complaints to hear from this company. I think it's fair to say they have violated the FDCPA enough times that they should confirm the debt is gone forever and pay me for these violations. Obviously I am the one this is about so I want to know what this internal investigation uncovers how thorough was it? I called left messages for the people they said XXXX XXXX and XXXX XXXX who seems to be pretty high up there.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have not know of this XXXX account this account does not appear on any of my other credit reports XXXX this account violates FCRA laws 15 U.S.C Sec 1681i ( a ) to report accurate and complete information Re : Letter to remove inaccurate credit information This account is not mines I have asked for the account to be verified and validated Both XXXX and Equifax have been reporting incomplete and inaccurate information I have contacted XXXX several Times about my report and I feel they have fail to abide by the FCRA law 15 U.S.C Sec 1681i ( a )
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00}
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (NC)

On XXXX XXXX I mailed a certified letter to Navy Federal, concerning an auto loan. The loan # XXXX. The car was involved in an accident, and the car was a total loss. The insurance company paid {$13000.00}, Now Navy Federal is saying that the balance of {$4000.00} is due on the loan. I disagree, I read 15 USC 1605 ( a ) ( 5 ) Determination of finance charge. According to this law it states in the finance charge there a Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. I want want Navy Federal to use the insurance included in my finance charge as stated in the law. As of today I have not had a written response from Navy Federal. I requested all correspondence to be in writing. I requested no adverse action be taken against me while this matter is being disputed. On XXXX XXXX, Navy Federal transferred {$320.00} from my checking account to put on the auto loan. That was adverse action taking money from my account. I have a right to get the questions answered that i asked. I still have not heard from Navy Federal.