davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (AL)

I left my phone in a gas station and when i went to pick my phone up a {$500.00} transaction had been made using my Truist debit card. Truist has refused to pay the money back. They have used misinformation to come to this conclusion.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX  XXXX
Consumer complaint received 2023-11-06
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. (FL)

I have disputed inaccurate information being reported on my credit report by paytomorow to transunion, XXXX, XXXX all companies came back and stated information has been verified and accurate this is inpossible due to the fact that 1. The amounts owed or past due are incorrect 2. The payment history is incorrect after XXXX days an account must be charged off or sent into collections currently they are showing that in 2022 for the months of XXXX I'm 30 days late XXXX is 90 days late and Dec 2022-Aug 2023 is showing 9 months of 120 days late how can I be XXXX late for 9 months in a row transunion reported this account as an auto lease which is incorrect and inaccurate and amounts due is also incorrect this is in violation of the FCRA and 15 u.s. code 1681 ( a ) ( 2 ) ( ai ) along with many other violations 15 u.s.c 1681 ( e ). 15 u.s c 1681 ( b ), 15 u.s. c 1681 ( I ) ( 5 )
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2022 Amounts : {$2100.00}, {$5300.00} Navy Federal Credit Union has in their system that i owe them 2 debts but have no signed contract by me indicating that i owe them said debt.
Consumer complaint received 2023-09-27
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. (FL)

I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

We purchased the vehicle from XXXX XXXX on XX/XX/XXXX based on the pre-qualified loan offer from XXXX XXXX. After that we received a number of denial letters from other multiple financial companies which XXXX XXXX used for the same loan on our behalf. We requested to correct this by phone and in writing ( the letter sent via certified mail attached ). As of XX/XX/XXXX no contact was made and no action was taken.
Consumer complaint received 2020-12-29
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. (OH)

I previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :
Consumer complaint received 2024-09-23
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. (OH)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX XXXX, I tendered a securitized instrument, via registered mail, relating to my retail installment agreement, to Capital One Auto Finance and the XXXX XXXX XXXXXXXX XXXX  XXXX, their Indentured trustee. I instructed that the instrument was tendered as pay-off and final discharge of said retail installment agreement. I instructed the company to transfer the security and its proceeds to my Treasury Direct account, per the Electronic Funds Transfer Act. I also instructed, per their own fiduciary duties per the prospectus filing with the XXXX, to confirm discharge and to update my credit report to show " paid in full, as agreed '' Additionally, this security was tendered in good faith according to UCC 3-603, whereby if refused, there is discharge to the extent of the amount of tender. 

My tender of payment was neither honored nor returned to me, which means it was stolen and constitutes SECURITIES FRAUD. They have since continued to attempt to collect payment in the form of FRNs from me as of XX/XX/year>. I am allowing 3 days for an opportunity to cure. Whereby honorable action from Capital One Auto Finance, is demanded, whereby my tendered security, is deposited into my Treasury Direct account, and confirmation of relating retail installment agreement is discharged, reflecting payment in full on my credit report. 

Lastly, I XXXX XXXX, HAVE REVOKED any power of attorney and rescind all security interest in any property or rights belonging to me, the beneficiary, from Capital One Auto Finance for all years and all periods. This is on file with the IRS on form 2848. You no longer have any right to my property, and failure to deposit my funds as directed will constitute both tax fraud and securities fraud. You have three days to cure.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Bank Of America Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
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. (NY)

as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX XXXX XXXX XXXX XXXX open date : - date of last payment XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied for a loan 3 different times and was approved all times with my interest rate decreasing. This will be my fourth time applying and my credit has improved balances have decreased and they increased my rate and refuse to tell me why other than my credit profile and when I tell the bank that my credit profile has improved it doesnt make sense that youre increasing my rate on m when youre saying its based on credit. Im being punished for having good credit and navy federal is not using good credit practice with providing loans and this isnt the first time neither they did they with my home loan when apply as well and they need to be looked into
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (TX)

On XX/XX/XXXX, Skrill rejected a debit card purchase and froze the {$3000.00} in my account. They sent an email and I responded the next day. I received an automated response saying they would respond in XXXX hours. I followed up on the XXXX but got no response. They emailed again on the XXXX saying they're still working on it. 
I need my {$3000.00} to be available ( plus interest and damages for wasting my time )
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. The following accounts are : Dept of edXXXX account number XXXX XXXX and XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC. (TX)

This company went out of business in XXXX but expects customers to keep paying though they did not complete service. I have contacted them and sent a Demand Letter stating they are in breach of contract for not fulfilling sales agreement. They stated a guarantee that if they could not complete service you will not have to complete payment. The company has been taken over my Healthcare Finance Direct. I put a stop payment through my bank for XXXX XXXX, a couple months later Healthcare Finance Direct withdrew the XXXX months from my account. I contacted my bank to find out who the service was to find out it's the company trying to continue collection. I have spoken and written to them and they say continue paying or you will go to credit. I asked my bank to stop payment to Healthcare Finance Direct then I sent a Letter of Demand. The day they responded to my Demand Letter they billed my account for XXXX transactions. I have written them again stating please no longer bill my account and send me to collections. I am not certain what to do but there are many people who they have done this to. I did not complete treatment and I now have to go to a XXXX  to fix an issue with my bite that wasn't there before.
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CA)

Hello, I've been haggled by XXXX XXXX for debt I do not owe. I demand an invoice for such debt multiple times, which they can not provide. 

XXXX initially outsourced by debt collection effort to XXXX XXXX ( XXXX XXXX Reference Number : XXXX ), which I filed CFPB complaint ( XXXX ). Please see complaint for what happened in details. 

On XX/XX/year>, CreditControl ( Reference # : XXXX ) reached me for what it seems the duplicate debt collection. The below is their contact. 

I demand XXXX to discharge false debt collection claim immediately. 

Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am complaining about the way two closed federal student loans are being reported to credit reporting agencies. The accounts shows up as being from from : US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX, XXXX, TX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) The account numbers are XXXX ( Equifax shows this as account XXXX ) and XXXX ( Equifax account XXXX ). Here is a history of the loans : They were in default prior to XX/XX/XXXX. In XX/XX/XXXX I applied for consolidation through XXXX XXXX and this removed them from default by XX/XX/XXXX. The loans were paid in full by consolidation. The debt was then purchased/transferred to XXXX and XXXX XX/XX/XXXX the loans were discharged ( forgiven ) after I qualified for the Biden administration 's Income Driven Repayment ( IDR ) adjustment. 

The issue I have is that during the CARES Act ( Pub. L. 116136 ) pandemic student loan pause, the U.S. Department of Ed had reported the loans as delinquent to credit reporting agencies, even though no payment was due, and loans were not subject to collection. See : https : //studentaid.gov/announcements-events/covid-19 ( " Because of the COVID-19 emergency, we stopped collections for eligible defaulted loans. '' ) However, my Equifax credit report is showing the loans as 120 days past due for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The loans show up as being in collection during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had filed a dispute with Equifax, and in result they reported " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. '' Thus, I believe that the U.S. Department of Education is incorrectly reporting the history of my loans to consumer credit reporting agencies. Short of a lawsuit, I do not know how to get Ed to correct what they report. 

Federal law prohibited collection of federally-held loans during the pandemic, yet Ed is reporting their loans as being " in collection '' during this period. Subject to the Fresh Start Initiative, the Department of Ed promised not report defaulted loans as in collections anymore. See : https : //studentaid.gov/announcements-events/default-fresh-start ( " Starting in XX/XX/XXXX, we began reporting defaulted loans held by ED as 'current ' rather than 'in collections ' to credit reporting agencies. '' ) This has not happened in my case.
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

1. Mohela has a VERY unreliable auto-pay system and in my opinion is an incompetent student loan servicer. 

2. This is at least the XXXX time I have had to setup auto pay on their site after getting a late loan notice because their autopay did not preform the auto withdraw request, despite receiving email confirmation that autopay was setup each time I performed the enrollment. I received email confirmation from Mohela that auto pay is set successfully on XX/XX/24, XX/XX/24, XX/XX/24 and XXXX. But despite all of these their confirmations they have not reliably auto-withdrawal and send me late payment notices. 

3. This is damaging my credit report by showing late payment for payments that Mohela confirmed would be withdrawn on time via their autopayment from my bank account. My bank account for autopayment has not had any issues or concerns related to overdrafts that could affect auto-withdraws. 

4. I was promised by Mohela that I would receive an interest rate reduction for setting up auto-pay. I see no evidence that Mohela has honored this policy. I want their proof of record that they have honored this starting back in XX/XX/24 when they first confirmed that my autopayment was set successfully. 

In summary Mohela is in need of major corrective action. They are not providing a reliable service when it comes to honoring autopay arrangements, they have not provided any evidence that they have honored our interest rate reduction agreement. They are creating late payments on my credit report by not reliably supporting their own autopayment system. This is not fair to all the student loan barrowers. I have read may issues from other student on XXXX and other platforms. I am seeking compensation and retribution for failure of their agreement and damages I have encored.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.