davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and micro business owner. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me
Consumer complaint received 2023-02-09
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: R & B Corporation of Virginia (NC)

Credit Control Corporation acct # XXXX. has disregarded my request to validate an account Under the Fair Debt Collections Practices Act ( FDCPA ), Tracking # XXXX, delivered XX/XX/2023 in which they have been reporting a negative account on my consumer report. After Credit Control Corporation failed to validate the negative account that they have been furnishing on my account I requested they cease and desist with their collection activities due to their violation. Credit Control Corporation has been non-compliant and is in violation of Failure to respond satisfactorily with deletion of the above referenced account. Due to my frustrations and damages for alleged debt I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (PA)

There is an outstanding debt on my XXXX  XXXX report that has been paid. It is from TD Bank. I have documentation from TD Bank that the outstanding debt has been paid.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have a debt collection on my report from from portfolio recovery from XXXX XXXX I never open up a credit card with them have no knowledge of this account I try to dispute nothing work I explain that Ive lost my important stuff with all my information like social security card Id anybody could of use my info I just found about this it wasnt on my credit report before now all of sudden it appears its not my debt to be paid I refuse to pay for something that I never had no knowledge about it should be remove from my credit report cause I already disputed it as not mines its not my responsibility if someone use my information and I have another card reported charge off from XXXX XXXX another card I have no knowledge of this is crazy
Consumer complaint received 2020-04-14
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX  XX/XX/XXXX {$1800.00} JMPCB CARD XX/XX/XXXX {$1300.00} JMPCB CARD XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}
Consumer complaint received 2020-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

COAF ran my credit ( XXXX  ) 3 times on XX/XX/2019, once on XX/XX/2019, once on XX/XX/2019 and 4 times on XX/XX/2019. I have spoken with XXXX and they arent helping me at all. The rep told me she was only submitting my app to XXXX auto finance only. I did not authorize COAF to run my credit this many times. These inquiries have put a ding in my credit and now Im having issues trying to get pre approved for a home
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

The address XXXX XXXX XXXX XXXX, XXXX PA, XXXX appears on my credit report under addresses. I have never lived at this residence which raises the concern of identity theft. I would like this address removed from my credit reports as it is untrue.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

NOTICE TO AGENT/PRINCIPAL. [ EQUIFAX ] I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential XXXX XXXX XXXX XXXX Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with these demands will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AC AutoPay LLC, Denver, CO Branch (TX)

Ac autopay is a motorcycle company that doesnt exist any longer. Also they have reported on my credit that they sent it to a collection company spoke to the company and they told me that they have given the account back to the original company. But now that company isnt answering or responding because that company is closed. Need this off my credit to pursue the home of my dreams.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

Equifax needs to remove XXXX XXXX XXXX debt from my credit file. This debt paid in full on XX/XX/2020. Please see the receipt for paid debt, and the email XXXX will remove the collection agency from my credit report.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.
Consumer complaint received 2020-08-04
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: Resurgent Capital Services L.P. (TX)

I would like to file a complaint regarding two accounts XXXX is reporting. I have sent disputes to XXXX multiple times reporting the errors in their reporting but somehow XXXX continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and LVNV is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to XXXX that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, XXXX does not even acknowledge my disputes. I have requested validation from XXXX and LVNV and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does XXXX have to report these accounts? And if XXXX has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is XXXX continuing to report these accounts if they have not and can not be verified? And why has XXXX completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold XXXX accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided XXXX the information to make an educated decision. I am also including LVNV in  the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. LVNV has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both XXXX and LVNVs false reporting have hurt my credit substantially.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XXXX XXXX XXXX  accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return XXXX XXXX said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. XXXX XXXX sold this inaccurate account to Portfolio Recovery Associates. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
Portfolio Recovery Associates will not stop reporting this fraudulent and inaccurate account. XXXX XXXX will not send me the letter stating they released this debt over me.
Consumer complaint received 2020-08-04
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. (TN)

I have the following issues with XXXX, Experian, and XXXX XXXX. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued 1099. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was XXXX XXXX and XXXX, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a small business XXXX XXXX with Bank of America. On XX/XX/20 I notices a daily stream on unauthorized purchases beginning on XX/XX/20 from " XXXX ; According to the XXXX XXXX XXXX this entity has nothng to do with law enforcement. 

Bank of America claimed to have launched a fraud claim. However, they will not provide an acknowledgement or indicate what if anything they will do in the meantime. Several customer service representatives and a supervisor have told me that they have 90 days to conduct an investigation and will not contact me in the interim. 

The last representative told me that this was their internal policy and that I could " XXXX '' the bank 's responsibilities on the law. I was also told that there have been a " rash '' of these complaints. 

I have not done anything wrong. I carry my credit card in a WPPL blocking sleve. I do not cache this card on any on-one internet site. How did they get my information and how can I protect myself if the bank won't act for 90 days. 

This policy can not stand and I need immediate relieve.
Consumer complaint received 2020-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Divorce is messy, but its even worse if youve got a joint federal student loan consolidation. At the time we received the Federal Joint Consolidation Loan it was marketed to us as an opportunity to lower payments with no counseling on potential risk. My husband became XXXX XXXX and XXXX  and the marriage ended in divorce after he XXXX XXXX XXXX. Despite the XXXX and XXXX  suffered  there is no way to separate a Federal Joint Consolidation Loan. There are few federal repayment plan options. I don't have login access to my account. I don't receive copies of my bills. Original bill was just at $ XXXX ( estimated ). The loan since graduation has grown to include over $ XXXX in interest and fees. My ex-husband is spitefully refusing to assist with payments and I have no recourse available to me. Normally a defaulted loan can be consolidated out of default. Given the fact that this is already a consolidated loan, the only was to get back into repayment is through rehabilitation. Congress and the Department of Education need to fix this issue NOW by allowing re-consolidation to Direct Loans for PSLF qualification and as a default cure. 
There should also be a mechanism for these loans to be split up in the event of a marital split. I've tried combing through and have asked for a detailed explaination as to how on earth the loan has accumulated over $ XXXX in interest and fees but Navient is not adequately able to do so.
Consumer complaint received 2020-06-15
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. (TX)

XXXX XXXX XXXX is reporting debt of XXXX on my Trans Union, XXXX, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I typically set up a payment weeks before it's due so that I have no problem paying my credit cards. I set this payment to be taken on Thursday, XX/XX/2023 from my checking account for {$220.00}. I'm not sure who's to blame but if I don't get the answers I need or if it's not properly handled, I will do whatever is necessary in my powers to make everyone pay for this. I feel as though someone is deliberately trying to ruin my credit. There was more than enough money to take care of this bill. Capital one even sent an email stating the payment posted. I receive a email on Thursday, XX/XX/XXXX stating he payment was returned. I'm beyond furious, trust me when I tell you this. My payments are being debited fast enough and posting as they should and it's not right.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I have a charged off account in discovery student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with discover student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/2023. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.