davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, I received a notification that there was suspicious activity on my crypto wallet in XXXX. Upon logging in, I discovered that there were close to {$5000.00} worth of unauthorized transactions. Immediately, I locked my card and contacted XXXX, where I was connected with a customer support representative named XXXX. Unfortunately, XXXX was not helpful and directed me to contact my bank, Navy Federal. 

Following XXXXXXXX XXXX advice, I promptly reached out to Navy Federal and submitted a fraud claim on the same day. I was informed that the investigation could take up to 90days to be completed, with the possibility of receiving a provisional credit within 10 business days. 

After two weeks had passed, I decided to call my bank for an update, only to be told that the investigation was still ongoing and that I needed to exercise patience. However, shortly after ending the call, I received an email from Navy Federal stating that the fraud claim had been closed and no error had been found. This prompted me to immediately contact the bank again. 

During my conversation with the bank, I was informed that my case was being transferred from fraud to disputes, and that I should expect a response within 2-3 business days. However, the allocated time passed without any communication, leading me to call the bank once more. This time, I was told that I needed to personally go back to the bank and submit a dispute claim. Naturally, I became extremely upset and frustrated with the situation. 

In an attempt to find assistance outside of my bank, I turned to XXXX and was directed to this platform. I sincerely hope that someone here can provide me with the necessary help and guidance to resolve this issue.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please delete these two accounts as they do not belong to me and are fraud. I have included the identity theft report. 

XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I tired to write Midland Credit Management several times regarding a debt they said I owed. I have asked for the original signed agreement and/or contract from the original creditor to be sent to me. I have also requested them to provide the last statement from the original creditor and have not been supplied that either. They have not done anything but continue to send statements saying I owe XXXX and this number has changed numerous times on my credit reports to XXXX then XXXX several times. Wrote a letter with this request on XXXX and prior times but would need to go through records more to find the additional dates, but with this request I still get statements only.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

This debt was applied to my credit within the last year ( XXXX ) The date they state I was there was in KY, was the winter of XXXX. My XXXX son was seen as a patient and they did not apply our insurance to the balance. This hospital has been shut down, filed bankruptcy and had allegations of falsifying accounts and charges. I asked for proof of the charges, nothing was sent to my address. Email or any form of contact.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX  XXXX XXXX as this item was showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-20
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: Army and Air Force Exchange Service (NC)

In accordance with the fair credit reporting act Military Star Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

Cfpb closed my new complaint dated XX/XX/XXXX this is not a duplicate complaint this is a new complaint for another account at Titlemax at another location I have had this account since XX/XX/XXXX and my payments are {$190.00} monthly and I am nowhere close to paying off this loan and I have paid in a total of {$14.00}, XXXX and XXXX threatened to repossess my vehicle in XX/XX/XXXX I can not afford to keep paying on this account the original loan is nowhere close to what I have already have paid into this loan to Titlemax and the pay off amount originally was {$1700.00} I have given them XXXX, XXXX dollars for over XXXX years this is not fair to keep taking my money from me they're clearly taking advantage of me please help me to end this cycle of unethical practices. Remember this is a new complaint for Titlemax at another store in XXXX under the same name XXXX XXXX Thank you.
Consumer complaint received 2023-09-14
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings (NV)

XX/XX/XXXX I hired an attorney to represent me in breaking my lease Persuant to Nevada law for inhabitable conditions. I provided 30 day notice. I moved out XX/XX/XXXX. On XX/XX/XXXX not even 30 days after moving out XXXX XXXX XXXX  sent a wrongful excessive bill immediately to collections without any attempt to settle or put me on notice of this debt before sending it to IQ data international, Inc. immediately upon receiving notice of this debt from IQ data international in XX/XX/XXXX, I made them aware both verbally and in writing that I was disputing this debt. I also verbally and in writing requested debt validation with no response. IQ data international Harrassed both me and my partner calling us several times a day, even after we sent them a cease and desist letter. IQ international data then began contacting our employers to get ahold of us. It has not been 30 days since we sent out written correspondence with no response from IQ international inc & they have now put this collection onto our credit, without ever acknowledging our dispute of this debt.
Consumer complaint received 2022-12-09
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of XXXX. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Consumer complaint received 2023-09-14
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank has intentionally maintained an account in a disputed state for XXXX days, with the aim of charging additional amounts and denying any payoffs on the account earlier. The account in question had four purchases totaling {$4900.00} made between XX/XX/XXXX, and XX/XX/XXXX. Payments on the account began on XX/XX/XXXX, with the intention of clearing the balance on or before XX/XX/XXXX. These purchases were made under a Deferred Interest agreement, but interest charges were levied before the completion of the twelve-month period from the date of the first purchase. 

Upon review, it has been discovered that Comenity Bank breached or nullified the agreement. Despite numerous attempts to resolve the issue and reach a fair settlement, Comenity Bank has failed to do so. On XX/XX/XXXX, a senior representative for Comenity Bank confirmed that they had the authority to negotiate and secure a payoff for the account. However, upon reviewing the account timeline and calculations, they identified several errors that needed to be addressed. They suggested filing a dispute on the account to resolve the discrepancies and advised keeping the account in its current status to avoid further complications. They assured that their entry would carry more weight and lead to a better resolution. 

Comenity Bank also expressed that while the account was in a dispute status they would not seek collection or report to the credit bureaus. Records indicate Comenity Bank has reported and increased total amounts.
Consumer complaint received 2023-06-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.
Consumer complaint received 2023-06-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (CA)

I took out a cash loan with XXXX XXXX XXXX and was making payments. I fell behind and the account went I to collections with a company called National Credit adjusters. I was able to make arrangements to pay off the debt. Currently at this point in time the debt has been paid off and account is in good standing. I have received a paid in full letter from both XXXX XXXX XXXX and National Credit Adjusters stating my account is paid and in good standing. However, I am now being harassed by a company that is claiming to be a law firm with name of XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX ( XXXX XXXX ). They are claiming that they are representing XXXX XXXX XXXX and they are suing me for the debt as well as court cost. They are also claiming some sort of bank fraud as well. Stating that when I recieved my loan I withdrew the money and closed the checking account. I have told this company multiple times that I have spoken to XXXX XXXX XXXX and National Credit Adjusters and both companies are stating I am in good standing and they also gave me pay off letters. XXXX XXXX does not care, and when I ask them to send me proof of debt they get aggressive and tell me its already been sent and at this point they have completed everything they need to by law. At this point I believe this to be a scam because this debt is not on my credit report and everytime they say they are serving me or that they sent me paperwork it never comes. However the harrasment is getting frustrating and they use new tactics everytime and I get caught off gaurd and it's very stressfull. This company ( XXXX XXXX XXXX ) also has my personal info, such as social and address and are OK with just handing it out.
Consumer complaint received 2023-09-14
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX : {$170.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (GA)

My recent experience, it appears that there have been a willful and knowing violation of 15 USC 1611, which prohibits the willful provision of false or inaccurate information or failure to disclose information required under the provision of this subchapter or any regulation issued thereunder.
Consumer complaint received 2023-09-14
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. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2023-09-14
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. (FL)

PULL MY CREDIT REPORT ON XX/XX/2023 FOUND OUT I HAD UNAUTHORIZED ACCOUNT WAS OPEN UNDER MY NAME WITH ALL THREE CREDIT BUREAUS.I HAVE OBTAIN POLICE REPORT TO LET THEM KNOW WHAT IS GOING ON XXXX XXXX XXXX XXXX WAS OPEN WITH MY UNAUTHORIZED
Consumer complaint received 2023-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

We lost our home due to non-payment of VA loan and when we.sold it we barely had time to move out. The previous owner refused to allow us to re-enter the home to collect equipment so that we could get our {$470.00} back. Our records are in storage, but when we realized that we were never going to get the equipment back, we believe that we did call to pay for it. It would take forever to find proof.
Consumer complaint received 2023-09-14
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with Experian & they have failed to remove the item
Consumer complaint received 2023-06-15
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)

I submitted a letter to the Credit Bureaus to correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have been experiencing issues with LVNV FUNDING LLC regarding an alleged debt ( in the amount of {$740.00} ) for some time now. I recently had to send a cease and desist letter to the company, XXXX of XXXX, pleading that they stop reporting the unverifiable information associated with this account on my consumer report. With each dispute, LVNV FUNDING LLC has disregarded my letters and disputes and has yet to provide any pertinent information stating the validation and/or methods of verification of the alleged debt. Therefore, LVNV FUNDING LLC has violated my rights under 15 USC 1692c and 15 USC 1692g.

I am left with no other choice but to involve the CFPB to help me enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Failure to honor the demands within 15 days of receipt of this notice, LVNV FUNDING LLC will be held civilly and criminally liable under 15 USC 1611 and 15 USC 1692k. Additionally, I will not hesitate to enforce my rights to obtain remedy for all damages caused by this company pursuant to 15 USC 1681o. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 
Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out to self via Email and informed them that I had no knowledge of this account and believed that it was created on my behalf by someone else. They replied stating that they had conducted an investigation and found that the account belongs to me. This is not sufficient by any means, I requested validation that this account was opened by me even though there were no charges or useage or payments and I did not receive any documentation at all and would like this account and its history or lack thereoff removed from all credit reportin bureaus. 

The account in questions is listed as : XXXX Account Type Secured Last Payment XX/XX/2023 Account Verified XX/XX/2023 Date Opened XX/XX/2023 High Balance {$520.00} Term Length 24 Month ( s )