davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
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. (NC)

Did not authorize these inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX inquiries Inquiry details XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have XXXX XXXX  and now more ) payments out of thXXXX XXXX  needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. I have heard nothing from them, nor have I received any documents. I called and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!? Furthermore, there is NO ONE I can contact or speak to about my loan forgiveness at the Federal Student Aid facility, so I am not able to actually check the status of my loan forgiveness.
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CT)

Inaccurate dates, addresses, loan amount increased, dates of loans are incorrect,  XXXX  different companies are claiming that my student loans are with them I do not recall owing some of the companies at the times listed on my credit reports. Some oe the loans were paid off and taken of my credit reports and are still showing up on my reports as delinquent!
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (NY)

I have an account which is reporting XXXX XXXX Account XXXX XXXX this account has always been paid on time. I noticed a late pay reporting on my credit report in XX/XX/2021. According to my knowledge this account has always been paid on time. 
I mailed out a request to the address listed on the credit report to request payment history etc. I didn't get a response therefore I am reaching out in the hopes to get this matter resolved. I would like to obtain copies of the original contract along with payment history for the duration on this account.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jana Ferrell & Associates LLC (TX)

Right around XXXX 2020, I received an alert from my XXXX XXXX saying I had a collection. I was immediately taken aback and surprised as I have never received ANY notice to this. It was a {$100.00} charge from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have never received a call, email, or letter. This balance had been paid by my father when it was due. I had to find the number of this collection agency and explain to them that I had this debt. I decided to just pay it just in case. They took my card information and only charged me {$30.00}. This was on XX/XX/XXXX, I had to call multiple times to get this collection fully paid. FINALLY, the full balance was paid on XX/XX/XXXX. I called again to complain. I tried to get more information and explain that this shouldnt have been on my report in the first place. They were rude and dismissive. My father and I have also tried calling the billing department of XXXX XXXX XXXX XXXX XXXX with no answer and no call back. I am very frustrated because my father has paid this bill when it was due and we are unable to get a hold of this company. I am also frustrated because of this were to be a legitimate collection, I never received one notice that Ive owed it. I am an extremely responsible person and never had a late payment or derogatory mark. My credit was excellent until this {$100.00} ( already paid ) collection appeared on my credit. I am trying to buy my very first house and this mark is driving up my rates.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC (IL)

I received communication from XXXX/Pendrick Capital Partner LLC that I owe XXXX for a debt that has been reported previously by 3 different agencies on XXXX/XXXX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XXXX/XXXX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2021 Kids Need to Read was sent a denial letter for an Amazon Credit card that we did not apply for. The card is from Synchrony Bank. No direct contact information was given in the letter. When we reached out to Amazon we had no way of addressing this issue. 
We are concerned that someone may have tried or is trying to open additional accounts under XXXX XXXX XXXX XXXX. With no way to address this issue with the companies involved, we were forced to apply to CFPB.
Consumer complaint received 2021-02-05
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. (CO)

On so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by several creditors. My hope is that the Consumer Financial Protection Bureau will take action to enforce the relevant laws and ensure that my consumer rights are upheld. Additionally, I would like to share a deeply personal story that illustrates the severe impact these violations have had on my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. - Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized credit inquiry without my consent. - Relevant Law : FCRA Section 1681b 3. **Personal Information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate personal information reported. 
- Relevant Law : FCRA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 The impact of these violations on my life has been nothing short of devastating. Due to the inaccurate and improperly verified information on my credit report, my ability to secure housing, employment, and even simple everyday transactions has been severely hindered. I have been unjustly denied rental opportunities, faced higher interest rates on loans, and felt the constant burden of financial insecurity. 

These violations have caused not only financial stress but also emotional turmoil. I have struggled to provide for my family and faced humiliation and embarrassment due to circumstances beyond my control. The sleepless nights and XXXX I've experienced as a result of these violations have taken a toll on my mental and emotional well-being. 

With all due respect, I implore the Consumer Financial Protection Bureau to take strong and immediate action to ensure that my consumer rights are upheld and that justice is served. I humbly request that you use your authority to compel the relevant creditors to remove these unverified and inaccurate accounts from my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interests of consumers and ensure that my rights are protected. I am hopeful that this dispute will lead to a resolution that allows me to regain control over my financial and emotional well-being. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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. (CO)

All three bureaus continue to report information on my credit reports that are not suppose to be reported. By law they are not allowed to report information that comes from a third party it must come from the company that filed the information or it must come from the company that owns the said debt. I sent all three bureaus the attached letter where the state of Colorado said that they do not report this information to the credit bureaus and the credit bureaus obtain this on their own. That makes this against the FCRA and the FDCPA I want this bankruptcy removed from my credit profile immediately
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have exhibits attached in the upload section please review, and my vehicle was illegally repossessed from private property the contract that was misled and delivered in a deceptive way to me as a consumer it was never a loan. It was a consumer credit transaction, and now they steal my property from my property without legal order without providing any proof of their claim that they are in fact, legally able to threaten or take any of my property I need proof that the law states that thats OK and also the identity theft to furnish my information to non-public third parties thats illegal and all I know that my rights have been violated OK and I am a victim of identity theft and I have damages and theyve injured me and I need my vehicle back and I want to go ahead and pursue charges and I do not want this company reporting any negative information on my consumer reports as that is against the law I have all of the codes I have all the regulations according to law Ive already emailed them. Ive sent them certified mail of dispute, requests and theyve failed to respond, Ive also called many times and got it on recording calls that I am requesting these items, but they will not give them to me. I need a full accounting, step statement, ledger, showing the history of the full account, including the on and off ledger for the public on the private side I need every single accounting every single transaction, every single letter every single notice every single correspondence every single statement bill payment receipt invoice, any disclosures that I know that Im supposed to have as a consumer I need wet signatures on everything. I need a wet signature on my application which is the funds and I need to have capital one and XXXX proved to me with visible proof and that that I am the debtor and I am responsible for the double dipping of this transaction, and I need all everything mailed to me at my address which Ive provided and I need capital one XXXX XXXX, credit and capital one auto finance in XXXX XXXX XXXX to send me a copy of the contract and application and prove to me that they gave me alone written proof that they gave me alone and I need the written consent form that they were able to furnish my personal information and I need my property back tomorrow morning theres damages and we have an invoice so lets move forward. Thank you.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP (NY)

On XX/XX/2021 I noticed a charge from XXXX for {$21.00} that I did not make. I immediately disputed the charge and had them close the card and issue a new one. I tried reaching out the restaurant that the charge was made at but the restaurants phone number was disconnected. Keybank has the account flagged for having a dispute but no provisional credit has been issued and the transaction is still pending resolve over 2 weeks later.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
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: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I paid off a car loan of {$3700.00} acct XXXX that my deceased mother XXXX XXXX XXXX had with Huntington Bank. I was told that they would have it electorically released and I would be able to get title and tags after 5 business days. I went to the DMV and they told me that it was not released and that I should go to get a letter from Huntington. I went back to Huntington and spoke to a banker who informed me that she couldn't help me and that it could be 4 week or longer before this could be resolved. I explained that we use this car for work transportation and I needed to get tags which expired on XX/XX/XXXX. I insisted that she contact someone and she did. She ended the phone call and explained the same thing. There was no resolve. Huntington cashed the check took the amount the debt was paid in full and unlike other institution that I have experienced is not willing to release the assest in a timely manner. I did experience this with them and a release on a property at our church that they did not release a lien for serveral years and we did not know until we changed the property in XXXX. This appears to be a business practice.
Consumer complaint received 2023-01-10
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. (CA)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-06-07
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. (IL)

Everything PRIOR to XX/XX/2022 are valid charges. Everything else are UNAUTHORIZED CHARGES!! 

I have complied by mailing in a letter of explanation to the credit card company without a response. Please update with XXXX balance.
Consumer complaint received 2021-02-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

To W

hom it may concern, I recently challenged the validity of NCA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.