davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: ENOVA INTERNATIONAL, INC. (FL)

Netcredit took part in Identity THEFT by giving person ( s ) a loan under my name without verifying income. Netcredit 's website clearly states they " require that you have a verifiable source of income. '' I was in a major car accident where the vehicle flipped with me 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Starting sometime mid XXXX around XXXX I started receiving emails from NetCredit/XXXX XXXX XXXX Seeing XXXX XXXX I assumed they were spam similar to the XXXX XXXX we all know about, but around XXXX I realized I was wrong about the XXXX because they took money {$150.00} from my bank account. I contacted them and they told me I applied for a loan in XXXX and it was given to me. 

Netcredit 's website clearly states they " require that you have a verifiable source of income. '' I haven't been able to work or have a steady stream of income in almost 2 years due to the accident, no way I would qualify for a payday loan without a job. Netcredit took part in my Identity THEFT by giving person ( s ) a loan under my name without doing their job and verifying income. Now they are destroying my credit by reporting false material to the credit bureaus. Can I Sue them? Obviously, they did not do their job by not verifying income. All it takes is a single phone call to job on the application. 

They are destroying my credit, by reporting multiple times a week a new loan or increasing the amount of the loan on my credit reports. in 2 weeks my score has dropped about 150 points. And loan increased by {$500.00}. 

Obviously, including being part of the XXXX breach I must have had some sort of virus or malware that allows remote desktop connections on my pc which I keep on 24/7 because I went through something similar with XXXXXXXX XXXX  XXXX signature credit card, but they were able to see and fix the issue asap. Netcredit security isn't up to par. But this could have all been prevented if they verified a source of income like their website states they are REQUIRED to do. Call the job on the application and ask if a XXXX works there... they could have ran a background report and see I did not have a job.
Consumer complaint received 2023-07-28
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 have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXXXXXX XXXX on XX/XX/2022 XXXX from XXXX XXXX on XX/XX/2022
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have reached out to Transunion LLC multiple times going back to 2021. I never gave Transunion LLC consent to create a consumer credit report on my trade name which is XXXX XXXX which is my copyrighted property. I asked Transunion LLC to remove fraudulent items in which they did about 2 to 3 months ago and now the items are back on my consumer credit report tht I did not give Transunion LLC consent to create. This is defamation to my character and they have committed identity theft. I will be getting a criminal complaint from the police. The people who I spoke to about these matters are XXXX XXXX, XXXX XXXX which are suppose to be supervisors. I sent in the information tht I was already preapproved thru XXXX XXXX XXXX XXXX and did not give XXXX XXXX consent to look for other lenders seeing tht I already had XXXX XXXX XXXX XXXX XXXX I have reach out tXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the information from XXXX  XXXX XXXX XXXX XXXX XXXX them tht I did not need any further inquiries from anybody because I had already made my mind up to go with XXXX XXXX XXXX XXXX XXXX There are 2 more fraudulent items on tht report tht I NEVER gave Transunion LLC consent to create and they are from collections XXXX, XXXX XXXX XXXX. I have never done business with these people and I sure did not give them consent to buy the debt tht are trying to report fraudulently either!! Like I said this is Defamation, Fraud, identity theft. The file number is XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Choice Recovery, Inc. (NE)

On XX/XX/2023, I was contracted at my work phone by a woman who identified herself as XXXX from Professional Choice Recovery ( XXXX  ), regarding a debt I owe of about {$400.00}. I told XXXX that I would like to be sent a validation of the debt, and to call my personal cell phone - NOT my work number. She hung up on me. 

Today, on XX/XX/2023, I have still not received a validation of the debt and continue to be contacted on my work line by XXXX.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/2018 bought a car from XXXX XXXX in XXXX, AZ. It was as financed by Credit Acceptance. Fours years later, we noticed the total balance is much higher that MSRP listing. We believe there may be unfair/ Illegal practices with them.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I noticed on XX/XX/XXXX when I looked on my credit report with XXXX XXXX and Experian there was a dispute on all of them that I had no knowledge of when questioned the XXXX bureaus I was told that XXXX XXXXXXXX XXXX XXXX was allowed to put a charge off back on my account that had been previously deleted a few months ago and was told the account had never been blocked as asked in my previous complaint. On XX/XX/XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX directly and I spoke with XXXX at XXXX am l spoke to XXXX and XXXX and was told l couldnt speak to anyone in the fraud department so I was left to contact an attorney to start litigation. Although I am a victim of identity theft I was told its not against the law to report inaccurate unverified information on my credit report at this point l am devastated because of the fraud and level of dishonesty. I was told by the three bureaus that I was told that I couldnt send supporting documents because they allowed someone to commit fraud by having access to my credit report without my knowledge at this point l need help l have no other negative information on my report except for this fraudulent XXXX XXXXXXXX account that I have no knowledge of and is not in any way connected to me l do have a FTC report and the bureaus nor XXXX XXXX XXXX XXXX is not willing to do anything to rectify the situation I am asking that the account be blocked and deleted as I have already shown that in previous months also in reviewing the information on my credit reports the dates and amount for XXXX XXXX XXXX XXXX  is different please help me in this matter
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2022 TransUnion deleted every account on my credit report. Over the following week my credit score with TransUnion dropped by almost XXXX points. Prior to their ADMITTED error my score was XXXX and dropped to XXXX overnight. Since they rebuilt my credit report my score has increased to a current score of XXXX, but is still far below where it was. During this time my XXXX score has stayed above XXXX. This error was, and is, completely due to the inability of TransUnion to properly, and legally, maintain my credit score based on my actual history and credit usage. While they have repaired the problem that TransUnion deleting every historic item on my credit report, to the tune of XXXX current and historic accounts, by rebuilding and reinstating the accounts of record, the damage to my credit score persists. Again, they acknowledged and have repaired THEIR error but my credit score has not recovered to where it was previous. 

You will see from the two TransUnion provided credit reports, one dated XX/XX/2022 and one dated XX/XX/2022 the difference. The XX/XX/XXXX report shows my entire credit history and the XX/XX/XXXX report shows the report AFTER TransUnion deleted my entire history from my report.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXXXXXX XXXX XXXX man who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (TN)

I Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, Experian and XXXX did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

Experian XXXX {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$440.00} XXXX XXXX  XXXX  {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (PA)

there is a credit inquiry which I did not authorize and is not my responsibility. this is the information that does not correspond to me : Date : XXXX XXXX Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Request Originator
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC (PA)

We are seeking your assistance ( along with the CFPB simultaneously ) after being Victimized by a company that purports to settle high interest credit card debt coupled to a low interest loan for settlement payment inside of 36 months. 
Company is Americor Funding along with Credit 9. We paid {$5700.00} over 12 months to them, debtors were never notified that they represent us, there was no loan, and they are not so much as licensed to do business in our state ( PA  ), We were summoned by local XXXX whose court placed a {$7000.00} judgement against us filed by one of our creditors that was never notified by Americor regarding their representation on our behalf nor contacted to negotiate settlement. 
High interest credit card debt resulted from the loss of venues of assistance through XXXX XXXX via physician 's office for Rx drug costs ( XXXX XXXX XXXX XXXX  ) which exceeded XXXX XXXX  of our monthly household income after same physician 's office resorted to XXXX due to Covid-19 pandemic in XXXX through XXXX. We are a XXXX XXXX XXXX couple of very limited means and subsequently now have a bankruptcy on our record resulting from a nefarious and predatory Americor Funding. 
XXXX previously reported on XX/XX/XXXX. However, these are very bad people and prey on innocent people ( particularly vulnerable seniors ) and must be stopped immediately! 
Please review : ABOVE ALSO REPORTED TO XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ; XXXX FTC Complaint ( Online ) Confirmation ( XX/XX/XXXX ) Report submitted! Thank you for helping our work to protect consumers. 
Report XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

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 168b permissible purposes of consumer reports. 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. 

Inquiry was not authorized RESIDENT VERIFY Inquiry was not authorized XXXX XXXX XXXX was not authorized XXXX XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect XXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AL XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2022-11-26
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A 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 accounts 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 2023-05-24
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-16
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. (CA)

Dear agent I sent you a letter requesting you to remove inaccurate information from my credit report. But, I find after reviewing my report with your bureau, that the disputed item is still listed. I request that you describe the procedure adopted to verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. 

It is disappointing to find a credit bureau does not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. In addition, I would like to resubmit my request to have these items verified ( State the reasons for disputing this negative mark ) balance shown is incorrect
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2022 went to a atm to withdraw money and was met with a atm error so tried it two more times just to be met with the same atm error. So I check my balance and it said {$300.00} dollars withdraw.i turned off any other transaction on the card and gave them a call they told me to turn my card transaction back on because in XXXX hours my money would be back.the following morning there's was an additional {$300.00} dollars withdraw from my account.i ended up sending them everything they wanted me to send and I got a temporary credit of {$600.00} dollars until my case got resolved. I had a couple of dollars on the card so I picked up a beverage at the store with the card but was declined so I checked and it said I was - {$600.00} dollars. So I called and told them why am I in the negative they told me that they couldn't open my files so I owe them money. I clearly explained to them I just want my couple of dollars back. So when I got my check from the Biden tax/gas relief it went to that card and I been trying to get it back and was met with a dozen of explanations and dates and was told that I canceled my own claim. The company is chime and I really don't know what else to do I tried a small claim attorney but was told the dollars amount is to low. Someone help me please.
Consumer complaint received 2020-04-15
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: TRUIST FINANCIAL CORPORATION (CA)

2 credit inquiries from company. I have no knowledge of the inquiries and did not authorize them to pull my credit. The dates are XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On my birthday XX/XX/2022 a foreign person had got access to my account at Wells Fargo and used XXXX to tamper in my account sending themselves XXXX and transfered money from my savings to my checking in the amount of XXXX but I saw this and wells fargo team transfered that back.I had to wait seven days to get the XXXX back was disappointed and upset at why my bank didn't see that as fraud attempt.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.