davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by Pendrick partners that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Pendrick Partners never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Pendick Partners that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Klarna AB (VA)

Dear CFPB, An account was opened on XX/XX/2022, using XXXX XXXX XXXX 's address, Social Security number, and possibly his birth date. The account Order reference number : is XXXX. A lack of payment is probably affecting XXXX XXXX XXXX 's credit score, causing harm to his credit score. The business address is Klarna, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX : XXXX.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (VA)

Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation. Additionally, Vance & Huffman accused me of making false allegations and blatantly dismissed my concerns as well rudely stating that I can proceed as I see fit. Vance and Huffman stated in their response that their compliance department reviewed the call. However, I never gave permission to be recorded, as well as they have yet to produce and said findings of call. They removed the account from my credit reports and within the same 24hrs placed it back on to my credit reports. Which now reflects even more negatively as a new collection account. Thus, decreasing my scores even further. Vance and Huffman are blatantly ruining consumers credit by using ethical practices and preying on consumers ignorance. I sent Vance & Huffman a Default and Opportunity to Cure via certified mail. I received the return receipt as well acknowledging receipt. Attached please find the initial Affidavit of Truth dated XX/XX/2020 and Default and Opportunity to Cure dated XXXX XXXX, 2020. Vance and Huffman has not responded to date XXXX20. Thus, going past the required legal timeframe allowed for responding. I will now proceed filling with the XXXX and XXXX Courts in order to receive assistance with resolving said concerns. It is unfortunate that Vance and Huffman continue to violate consumer rights and behave as if there are no consequences for their actions.
Consumer complaint received 2023-01-02
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. (FL)

In accordance with the fair credit reporting act ( 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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-11
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. (PA)

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 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 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have recently reviewed my credit report on today, XX/XX/XXXX with Credit Karma, XXXX, XXXX and noticed several unauthorized inquiries ; XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX Card Services ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX/ XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX/XXXX  ( XX/XX/XXXX ) on my credit report and under 15 USC 1681 a number 3 . You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys " Credit Karma '' to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all 10 Hard Inquiries off my report. Please furnish Credit Karma with the cfpb REPORT NUMBER. I have also noticed an influx of my credit score going down over the last 3 days without change. This has gravely impacted me emotionally, mentally, and my score has dropped denying me from accessing credit. I see Credit Karma denied the former complaint. However, if they are a reporting agency receiving information by third part via the credit bureau they should also gain my permission before posting.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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: EQUIFAX, INC. (VA)

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 1681XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  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 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 2023-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. 

I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX - I received a secure email from XXXX XXXX in response to a complaint I made to the XXXX. She provided the same information that was in my denial letters and stated I could reach out to her with any questions. 

XX/XX/XXXX - I called XXXX XXXX XXXX ( XXXX XXXX ) and discovered I could not reach her by extension, so I emailed her. 

XX/XX/XXXX - I emailed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX requesting further explanation of denial and still have not heard back from her. I wanted a XXXX XXXX for my records. 

XX/XX/XXXX - Called Navient ( XXXX ) and after XXXX failed attempts I spoke with XXXX, a Navient rep. I explained to her that my XXXX XXXX XXXX was denied on XX/XX/XXXX using a generic explanation for the reason for denial and I was requesting more information. She informed me I could always submit more documentation for further review and I explained to her that I provided over XXXX pages front and back which should have been more than enough. She then put me on several more holds while she searched for further explanation and then came back on the line, read verbatim the reason for denial that was already on my denial letters, and stated that Navient is under no obligation to provide further explanations. 

I am requesting a new application for ScXXXX XXXX XXXX XXXX XXXX  was deemed a scam school in the Borrowers Defense lawsuit and I am post class. I have provided information backing that up and will be more than happy to provide more. I am XXXX yrs old and have been paying on my loans since XXXX. I originally took out {$120000.00} and now owe {$240000.00}. I have paid over {$120000.00} ( do not have the exact amount as XXXX years of payment are missing on Navient 's website for XXXX of my loans. I will never be rid of this debt from attending a scam school. 

I have attached a spreadsheet I created listing all my loans and payments made to each loan.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-02
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: EQUIFAX, INC. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX CO XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Called to get payment assistance on my Personal Loan. After speaking over an hour with the financial counselor and going over options, the counselor closed my credit card account without my permission. I mentioned to the counselor over and over again that closing my credit account was not an option because i was currently closing on a home and my Credit Card was the old and highest credit line. This change was immediately report to all 3 credit bureaus thus tanking my credit score and debt to ratio. Navy Federal said theyll send me a letter that I never received and also said the issue could not be fixed ( reported to credit agencies ) no sooner than 30-45 days. This in turn has cause me hardships as my credit score fell below the eligible score and losing earnest money. NFCU stated that they couldnt do anything about the loss of earnest money nor the house even after suggesting keeping the reduced interest rates for the personal loan and credit card to make up for the loss.
Consumer complaint received 2017-04-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Incident Summary : Background : On XX/XX/year>, I was contacted by an individual claiming to be XXXX XXXX, an HR manager from the LA XXXX, regarding a remote graphics designer position. Following a XXXX interview on XX/XX/XXXX, I was offered the position on XX/XX/XXXX. Subsequently, I submitted a XXXX and an initial hire document as requested. 
As part of the job, I was informed that I needed to purchase specific equipment, including a XXXX and software, with funds provided by the company. On XX/XX/XXXX, I received a check for {$3900.00}, which I deposited into my Wells Fargo account through mobile deposit. The check was put on hold, with {$220.00} available on XX/XX/XXXX and {$3700.00} on XX/XX/XXXX. 
Fraud Discovery and Account Closure Notification : On XX/XX/XXXX, after depositing the check, I was asked to cancel it because of the hold, which raised suspicions. I contacted XXXX XXXX fraud detection department to alert them of a potential scam. Despite informing them, my account was scheduled for closure, as per an email from Wells Fargo dated XX/XX/XXXX, citing the deposit of a bad check. The account was initially set to close on XX/XX/year>. 
Extension and Continued Issues : Due to ongoing issues with changing my Veterans Affairs ( VA ) XXXX compensation direct deposit to my new XXXX account ( VA case numbers XXXX, XXXX, VA complaint XXXX ), I requested an extension from Wells Fargo. On XX/XX/XXXX, Wells Fargo approved the extension, setting the new closure date for XX/XX/year> ( Wells Fargo Case # XXXX ). 
Premature Account Closure : On XX/XX/year>, I discovered that my Wells Fargo account had been closed prematurely, with a balance of {$0.00} instead of the expected {$140.00}. Upon contacting Wells Fargo, I was informed that the account was closed early by mistake, and nothing could be done to reverse the closure. 
Impact : This premature closure has caused severe financial hardship : I am unable to receive my VA XXXX compensation, which was scheduled to deposit on XX/XX/XXXX. 
I will not receive my XXXX compensation check until it is mailed to me, which will take approximately XXXX  days from XX/XX/XXXX. 
My mortgage and bills totaling around {$2900.00} for XXXX will go unpaid. 
I have no funds for groceries, dog food, or gasoline XXXX XXXX to medical appointments in XXXX and XXXX.
Consumer complaint received 2023-02-08
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. (LA)

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 2023-01-02
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. (MN)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$2300.00} You are reporting a deleted information compared to other Credit Bureaus. This account was already deleted from other Credit Bureaus and you have no rights to continue reporting this account. Under the Fair Credit reporting Act, Credit Reporting must be accurate, I need you to report this accounts correctly and accurately. 

XXXX XXXX XXXX XXXX : {$3500.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management (TN)

In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : XXXX # XXXX and Fox Collection Center # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc. (IL)

On XX/XX/2020 Comnwlth Fin added a derogatory mark on my credit report per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA Comnwlth Fin has violated my rights as a consumer and I am requesting legal action to remove this account immediately.