davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (GA)

Covington credit says they sent me a check to my mailbox. I never requested this check and I never received this check which they say was cashed. Evidently they just send random loan checks in the mail. I called them on several occasions to no avail. I have reported this to the credit bureaus and they just confirm that its a real credit that I took by discussing with this company. Theyre a balance of {$830.00} that is not mine.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to delete 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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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. (PA)

This information is incorrect or inaccurate and is hurting me from moving forward with my life. I provided all information from my last letter. This is really making things complicated to provide for me and my family. I need this information removed and updated from my credit report.
Consumer complaint received 2017-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus ( transunion,  XXXX , and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Having issues with payments being made and being update on theie site. I Called Comenity bank may times starting in XXXX. I explained to them that I am making my payments and are being withdrawn but it is not updating the proper balance. Spoke with several agents and Supervisors from Comenity and they verify I am making my payments and that my payments are going to a closed account. I explained to them several times that I am unaware of a second account and they need to close that and fix the issue and recover my payments and to put them on proper account. They said they will contact IT team and the issue is on their end. I still continued to make payments to Comenity but issue still has not been resolved and is now reporting to credit reports as past due and card is maxed out and in danger of being closed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

In late XXXX or early XXXX, my student loans transferred from one loan servicer - XXXX, to a new loan servicer - XXXX. However, after many disputes with credit bureau, Experian, multiple calls to XXXX, as well as XXXX and Dept of Education, my student loans are still showing open with a balance with XXXX, which is incorrect. Both XXXX and XXXX are correctly reporting on my XXXX accounts as " closed, transferred to another servicer '', but Experian is having trouble confirming this with XXXX. Due to this issue my student loan balance on my Experian report is reflecting {$150000.00}, when the correct amount is only {$80000.00} in which I am currently making payment on. 

I've submitted disputes with Experian, per XXXX 's direction on the following dates, all resulting in the same result of the loans still showing open with balances : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - provided very detailed information, including a loan summary from my XXXX account, showing a {$0.00} balance. 

As I already briefly mentioned, since late XXXX I have made countless calls to XXXX, XXXX, Department of Education, and Experian to try and resolve this issue. This is causing a hinderance in purchasing a home for my family.
Consumer complaint received 2024-11-19
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. (PA)

My name is XXXX XXXX, Social Security Number ending in XXXX, XXXX : XX/XX/XXXX ; here is my Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an insurance policy opened at XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, a mobile line account opened at XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX XXXX ( Original Creditor : XXXX ) on XX/XX/XXXX under the account number XXXX, a fraudulent account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-11-01
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: Nelnet, Inc. (GA)

XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with Nelnet and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to Nelnet with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. Nelnet has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On   XXXX   2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.
Consumer complaint received 2017-07-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

I have previously sent in a complaint on this matter and it was never resolved. NCB Management failed to notify me of their intentions to collect on a debt on behalf of   XXXX   XXXX   for an auto loan on a car I voluntarily surrendered in 2012 I believe. NCB Management said in the complaint response that notification was sent to an address listed on my credit report which never belonged to me and I made them aware of this in my complaint. I have searched the Florida Office of Financial Regulation and NCB Management is not licensed to collect on a debt in Florida.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-24
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: Southwest Credit Systems, L.P. (MA)

I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is southwest credit System, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks
Consumer complaint received 2022-11-30
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. (FL)

I tried calling and and reaching out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXX XXXX XXXX ASSOCIATES Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are inaccurate reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a missed payments is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a closed. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WA)

I am seeking relief from Ally Financial Inc. & XXXX XXXX XXXX ( XXXX ) in an amount exceeding {$40000.00}. In short, XXXX coerced me into getting a lease when I wanted to purchase a XXXX XXXX XXXX ( I have text proof and a deposit receipt for purchase ). XXXX sent me to another XXXX of their dealerships to finalize my transaction where the switch was made. The car was totaled in XXXX of XXXX and XXXX XXXX made a payment to Ally Bank Lease Trust in the amount of over {$49000.00}. Ally acknowledges that there was an excess payment made of over {$40000.00} ( {$44000.00} to be exact ), but I wasnt entitled to it and theyre keeping it per section 39 ( a ) " ... there will be no excess credit given. '' ( regarding any overpayment of insurance ). 
Im alleging Ally and XXXX  are in violation of various unfair, deceitful business practices as well as an unconscionable contract ( or at least an unconscionable section ). 
Id be more than happy to give a detailed explanation along with all texts, emails, receipts, & contracts if the involved companies are interested in potentially resolving this matter.
Consumer complaint received 2017-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

First Complaint filed  XXXX - XXXX -2017. This is the second complaint filed because the bank lied in their rebuttal letter. I received a letter from Pentagon Federal Credit Union dated   XXXX    XXXX , 2017, hardship letter and another letter them charging me another attorney fee for being late. This Banking institution denied two home modifications and I have paid an enormous amount of money in attorney fees to their banking institution. In addition, to my mortgage payment that I am struggling to pay and my current payment arrears my home flooded on  XXXX - XXXX -2017 see pictures enclosed. Pentagon Federal Credit Union sent a modification application and a denial letter included inside of the application before I even had the chance to complete the forms. I have enclosed the hardship withdrawal letter that pentagon federal sent and the denial letter so this will be there third denial for a loan modification. This institution even has people coming to my house to see if I want to sale the property all hours of the night. There is a number listed on Pentagon Federal Credit Union to call   XXXX   XXXX   at   XXXX   and I have called 27 times since receiving this letter and no response. I feel unsafe to stay in the house because I feel that someone at this bank has it in for me and really want this house Please Help!!
Consumer complaint received 2017-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (TX)

Your choices to categorize complaints is too narrow. 

Anyways, I am to receive a settlement payment from the XXXX XXXX XXXX, thru a State Settlement. I live in Texas and I would like to sue the company for monies not received but I need the right address.
Consumer complaint received 2024-11-20
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. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00}
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: DISCOVER BANK (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : DisputedAccount-Notice to Furnisher HardInquiries Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions.

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, 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.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop report in this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

I have purchased a XXXX XXXX XXXX from Us auto sales due to my last automobile breaking down on me I have had this vehicle for almost 2 years in XXXX of XXXX my monthly payment is XXXX per month after logging into my account I see that my interest rate is 17 % the price for the vehicle is {$20000.00} after making payments for almost 2 years my balance is {$17000.00} even though I have paid almost {$9000.00} after going to the XXXX dealership and getting my vehicle value quoted this vehicle is only worth {$4000.00} and before hand was only worth about $ XXXX {$8000.00} when I got it I feel like Im being robbed and screwed with no gasoline could someone help get me out of this bad car deal.
Consumer complaint received 2023-06-03
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. (TN)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CT)

Calls come from XXXX JP Morgan Chase on caller ID. When answered they tell me that my husband has an unpaid balance on his XXXX credit card. They are very pushy and refuse to believe me when I tell them that he doesnt have that card.I have threatened to report them to my states attorney general and hang up. I have also told me to send proof in the mail but it never comes. Then about a week later the calls start again almost daily.