davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (LA)

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 2021-03-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Was renting a apartment for a few years. I am diabetic and couldnt work anymore cuz my feet and knees were hurting very much. I didnt owe no rent it was up to date. But they argue about me not turning in a 2 month notice ahead of time. I wasnt able to work anymore and not afford the rent so I moved out.
Consumer complaint received 2021-03-10
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

I notified Citibank shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from CitiBank for the aforementioned account. Soon after, Citi lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with CitiBank collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that Citi would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was XXXX after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, Citibank was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by Citibank further harming my credit status.
Consumer complaint received 2021-03-09
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: LEXISNEXIS (TX)

Concerning CFPB complaint XXXX LexisNexis admitted that I filed disputes about incorrect information on their consumer report containing information about me. LexisNexis stated that disputes were filed XX/XX/XXXX. This dispute was directly related to an identity breach and social security variance that was addressed with LexisNexis as well as all other credit reporting bureaus. XX/XX/XXXX it was discoverd that the disputed items were not deleted by LexisNexis as asked and my request to " Cease and Desist '' ( OPT OUT ) of the sharing of my information was not granted per my rights under FCRA. XX/XX/XXXX and XX/XX/XXXX corespondence sent certified mail to LexisNexis were subsequently ignored and no resolution to innacurate data was accomplished only letters that stated " they could not verify identity '' even though clearly legible copies of both state issued drivers license and social security card were sent with each certified mail corespondence. LexisNexis stated in its last complaint response that they mailed a Consumer Disclosure Report ( LNCDR ). No such report has ever been mailed to me. I have sent affidaivts and identity information in order to remove incorrect address and public record information pertaining to me as per my rights under FCRA. LexisNexis has been asked several times to : 1. Give me a description of the procedure used to determine the accuracy and completeness of disputed including the business name and address, and telephone number of any furnisher of information contacted.They have refused each request. 
2. To furnish notification of the deletion of disputed information to any person or company whomever has received a LexisNexis consumer report. XXXX has refused. 
3. To " CEASE and DESIST '' sharing of my personal information with ANY third party ( OPT OUT ) because they DO NOT HAVE MY CONSENT to compile or share this information. LexisNexis has refused. 
At this time XXXX is in direct violation of my consumer rights under FCRA.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a XXXX XXXX XXXX XXXX with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
Consumer complaint received 2021-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC. (CA)

I was affect by the coronavirus pandemic. I contacted the lender multiple times to inform them of my situation and made partial payments. However they reported on my credit report my payment was 30 days late in XXXX and XXXX. You would think in These difficult times as a mother who lost more than 50 % of my income they would be more understanding. When I compare the total that was paid in their website and what was reported on my XXXX credit report they don't coincide. When I called and asked for a report of what was paid and what was due. They refused stating it would only confuse me. They payments were never more than 30 days late if they would have reported the correct days according to their website.
Consumer complaint received 2022-06-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX  Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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 2021-03-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

We applied to Navy Federal Credit Union for a preapproval mortgage loan. They offered a service to put us in touch with a realtor. The process for the loan went good at the beginning. Then the loan officer never called or kept us up to date on the process. So I decided to call and found out that our application has expired and our credit report. No word from NFCU on this situation. Pretty sure they didnt expire the day I called. Terrible customer service. There is no telling what else has expired. I talked to our loan officer and he couldnt answer why no one in his office hadnt called to let us know about the lapse of both items. I dont want other veterans to go through what I went through. NFCU is doing a disservice to veterans and should be exposed for this type of treatment.
Consumer complaint received 2021-03-09
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. (FL)

Experian hasn't updated my credit profile to reflect current credit card usage, payment history, loan information, and updated credit score. This is resulting in denial of balance increasing and gaining more credit due to companies using Experian to research credit history.
Consumer complaint received 2021-03-09
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: National Credit Adjusters, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

Was told u would receive a settlement or balance paid off of remaining balance owed, and my title given to me. Haven't heard anything from them and continue to get the run around. I got a loan through chrysler capital, which is owned by santander.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

There are at least six ( 6 ) instances where my name is being inaccurately reported. 
6 different names that are not mine. I requested deletion of all names except my actual name. 
There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address. 
I requested deletion of all other addresses that was not mine. 
There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported. 
I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I initially intended to pay a portion of an account balance at Bank of America with another card, but before it was processed decided to use other card. I contacted the transferring company and was told that the transfer had not and would not be processed. They processed it afterwards anyway. I believe was done so they could charge transfer fee. At any rate, because I had paid off Bank of America account with another card, Bank of America was overpaid {$800.00}. I immediately contracted them, XXXX  of XXXX  and was told the overpayment would be sent back to the paying entity. That it could not be returned to me directly in order for me to ensure the payment was sent. I then received a letter dated XX/XX/21 that indicated the money had been returned to the paying entity. When I didnt see the credit, I called Bank of America, on XX/XX/21, and was told that they tried to process return on XX/XX/21, a full week before the date of the letter telling me it had been paid, but that they could not get it to go through. They then said they had instead sent a check directly to me at my home address on XX/XX/21, even though they had previously told me that could not be sent to me. I spoke first with XXXX, and then with XXXX, a supervisor on this occasion. When I had not received the check by XX/XX/21, I called Bank of America again and was told that check was sent, but that they would put stop pay on it and instead deposit it directly to my bank account. I spoke with XXXX that time. Gave him information needed to make deposit. On XX/XX/21, after still not receiving the check that was supposedly sent, nor having amount deposited into my account, I called Bank of America again. I spoke with XXXX who told me she didnt see check being sent to me on XX/XX/21. She then tried to get a manager, as she did try to help. She was told to tell me to be patient! After over a month of trying to get back money that they should mot be holding! Then spoke with XXXX XXXX, who said he is a manger in Arizona, who said he would send to escalation department that should have answers as to what is going on within 24-48 hours. I have no reason to believe anything anyone at Bank of America says.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (FL)

On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX XXXX XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

As of XX/XX/2021 I have a new lender Mr. XXXX loan # XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

On XX/XX/2021 I made my first payment online for {$2500.00}, I received a confirmation email from Mr. Cooper acknowledging my payment. 

I called twice during the month of XXXX letting them know the funds had not been debited from my account both times they told me due to conversion it would take a few days. 
on XXXX XXXX I went online to make my XXXX payment and it states I am past due for XXXX, I need this issue taken care of I do not want to be charged a late fee or a bad mark on my credit report on my first payment, I had plenty of funds on my account. 
XXXX XXXX XXXX XXXX ROUTING XXXX, today I called and they said I need me to prove I had funds in the account, that is so unnecessary but I have attached proof the they were plenty of funds on my account.
Consumer complaint received 2021-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have submitted all the document to TransUnion that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX  CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

TransUnion even went so far as to block me from being able to log in on their websites and when I called them, they said I was " ineligible '' for online services. I don't know how anyone can be deemed " ineligible ''. A company can collect and keep MY personal information, information that affects MY life, and yet they can BAN me from seeing it, even if I am willing to PAY for their services. 

They will also only let you dispute 1 item at a time, which is also WRONG. So, I have no choice but to continue to complain and force them to do their job through CFPB. 
Attached are all the supporting documents showing the bankruptcy, on PAGE 19, XXXX was listed as a creditor, the discharge from the court says ALL student loans were discharged. XXXX DID NOT show up to the meeting of the creditors to stake any claim. They can not sell off a discharged debt 3 years after bankruptcy. THEY ALSO can not CONTINUE to report it as COLLECTION or LATE PAYMENTS! WHILE AT THE SAME TIME, the COLLECITON COMPANY is doing the SAME THING! 

THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged. 

REMOVE XXXX AND XXXX  from all credit report agencies IMMEDIATELY and let me have the protection that was RIGHTFULLY given me under BANKRUPTCY law. If XXXX bought a bad debt from XXXX after discharge, they need to take that up with XXXX for breaking BANKRUPTCY law. THEY are NOT allowed to come after me 3 years later just because XXXX chose to try and send it to someone else after Bankruptcy to try and collect on. I am tired of XXXX and XXXX reporting this as COLLECTIONS/PAST DUE. I WANT THEM REMOVED IMMEDIATELY!
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NV)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2017-04-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
Consumer complaint received 2021-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a complaint in XXXX of XXXX regarding an investigation that had taken over 90 days to process. Following this complaint, along with resubmitting my dispute, XXXX found that the items reporting on my credit profile were incomplete and inaccurate, therefore deleting the items from my report. On XX/XX/XXXX I submitted a follow up dispute to Experian requesting information on how and why they are continuing to report the inaccurate information. It is my understanding that creditors submit the same data to all bureaus in accordance with the FCRA guidelines. It has now been over 30 days, with no verification that the data is accurate and no reasonable response from the bureau as to why they have not deleted the unverifiable accounts. It would seem as though the bureau is continuously refusing to comply with the law and take appropriate action.
Consumer complaint received 2021-03-09
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: GLOBAL PAYMENTS DIRECT INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX