davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (UT)

My name was forged when they tried to serve me. I tried to contact it was a Indian Reservation Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm XXXX XXXX XXXX XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (GA)

A document titled " Equifax Credit File '' I received in XX/XX/XXXX from Equifax in response to my request for my file disclosure contained two tradelines that contained information that was related to the same information that Equifax had agreed to delete from my file. I brought this to the attention of Equifax within 30 days of receiving the document ( letter attached ). I never received a response. I requested another file disclosure in XX/XX/XXXX and finally received a document titled " Equifax Credit FIle '' dated XX/XX/XXXX. It still contained the same two tradelines that should have been deleted from my file. The attached letter is being submitted again to remind Equifax of its duty to remove information related to a tradeline it had agreed to delete. The attached dispute letter is being submitted again via this complaint.
Consumer complaint received 2020-03-17
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: Upgrade, Inc. (MS)

I have been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Dealing with Navient as my student loan servicing company has been very frustrated. I borrowed money to pay for some classes that I needed in order to complete certification requirements. I took few months off from studying and called Navient to see if I can postpone my payment because I was planning to return to my studies in less than two months. They suggested that I apply to forbearance and so I did. They granted me two months but failed to inform me that they will be reporting late payments to my credit bureau. This is inaccurate and should not be happening. My credit was drastically damaged from a score of XXXX to XXXX. I could not believe my eyes when I saw my credit score. I called Navient and no one was able to help me solve my concern.
Consumer complaint received 2020-03-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (MO)

I am a Veteran who was sent to an outside provider for care, in which 100 % of the cost was covered by the VA hospital. XXXX XXXX has been given an authorization form on 4 different occasions and was even contacted by a VA representative who attempted to resolve this matter. XXXX XXXX must go through the VA process in order to process their payment. This is a false representation of a debt because under 38 CFR 17.55 ( g ) the VA is the primary and exclusive payer for medical care it authorizes. As such you may not bill the Veteran or any other party for any position of the care it authorizes. 

This debt collection agency is violating my consumer rights because it is misrepresenting a debt that does not belong to me but the VA. This debt collection agency also violated my consumer rights to dispute my debt. When I asked to dispute my debt I was told that I could not do so because I did not owe the debt to their company but XXXX XXXX. I am more than happy to provide this debt collection agency a copy of my authorization form so they can see that I am not the responsible party for the debt.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by Capitol One Bank. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except XXXX XXXX XXXX. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by XXXX XXXX XXXX for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years.

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.
Consumer complaint received 2022-03-25
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. (MS)

On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, XXXX and Experian. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.
Consumer complaint received 2020-03-17
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: BARCLAYS BANK DELAWARE (NC)

On XX/XX/2019 I booked a car rental from XXXX, through their affiliated site " XXXX '' for XX/XX/19-XX/XX/19. The rental cost for the two days was {$190.00} which I paid on XX/XX/XXXX. The car I booked was a XXXX ( SUV ) that seated 7 people and was an '' intermediate '' class vehicle. 

I went to the garage to pick up the car. It was heavily damaged, but there were any attendants to speak with, so I took approximately 25 photos to show the damage that was on the car prior to my departing the garage. I returned the car several hours early, again there was not an attendant in the garage, in the same condition as when I picked it up. Upon receiving my credit card bill in XXXX. XXXX was charged me {$840.00}. for a car I had already paid for on XX/XX/2019. I made many attempts through both XXXX and my credit card to get this item removed from my credit card. XXXX/XXXX  make it very difficult to talk to anyone. The American XXXX representatives say they have nothing to do with overseas rentals and the XXXX people would not speak to me because I had filed a dispute with my credit card. XXXX changed their story many times as to why I owed them this money. They said I did all the damage to the car, but I had photos to show the car was damaged before I left the rental garage. Then they said I agreed to pay $ 400+/day for the car. Which is crazy, why would I agree to pay $ 400+ per day when I already had paid in full back in XXXX for less than {$200.00} for both days? Next, XXXX said I cancelled the reservation, which is not true, I did rent the car. They had other reasons, but each and every reason I had proof that I did not owe them the money. Yet, my credit card company, Barclays, decided to side with XXXX. XXXX is known for doing this type of thing to Americans. If you do a XXXX search, you will see many examples of XXXX ' fraudulent charges. Now they are charging me for a ticket in XXXX, but have not provided any proof of a ticket other than their own paper work. I did not receive a ticket in XXXX and XXXX has not provided a copy of one from the XXXX  police. In their last correspondence, XXXX has gone back to saying I owe them the $ 800+ dollars for the car damage! I have attached all of the photos I took before leaving XXXX ' garage. There is no possible way that I did that much damage to one car, on all four sides in under 48 hours. In fact, I didn't do any damage to the car. They did send one photo of damage they claimed I was responsible, but it was a photo of a different car! There are so many conflicting documents from XXXX that I don't think I could download them all, but I will if you would like me to. The last attachment is the letter I sent to Barclays in XXXX. It is fairly comprehensive and provides a chronological explanation of what occurred. Thank you.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Card services is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.
Consumer complaint received 2020-03-17
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: Byrider Franchising, LLC (FL)

XX/XX/2020 I filled a dispute they removed from one credit report but not the others two. Cnac its causing me not to be able to get a job of employment because false repo on my records I ask the car people to pick car up do too not having a job I was on workers compensation. They still put this vehicle on my credit report and they arent responding to disputes are anything only removed it from one.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union is reporting an account to XXXX and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2020-03-17
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX XXXX {$220.00}
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} AFNI XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}
Consumer complaint received 2021-06-16
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: U.S. BANCORP (OH)

XXXX loan through US Bank was not being reported to the Consumer Reporting Agencies. Satisfied, Paid In Full, With No Missed Payments ... XX/XX/2014 XXXX ( This Loan Was Not Included In The Bankruptcy Filed XX/XX/2014 )
Consumer complaint received 2020-03-17
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XX/XX/2012, while I was XXXX to XXXX I attempted to close a joint account at Union Bank of California, I paid what I owed and had a XXXX balance, I called to cancel my account and the bank told me I had to walk in to their bank and close, I told them I was unable to and they told me I would incur a XXXX dollar charge a month to keep the account open, I told them I refuse to pay and to close the account and they told me no, 6 months pass they finally close the account and charged me XXXX dollars to keep the account open for that period, they harassed me by phone and sent delinquent letters finally selling my account to a credit collector who harassed me some more, this company has refreshed my file just recently and now 8 years later union bank is reporting me as still delinquent and the account as current charge off ... .seriously is this legal?
Consumer complaint received 2022-03-25
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. (TN)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am attempting to notify the bureau that the accounts reporting on my credit report have been closed and reached the term of 7 years and can be removed. They will not accept my right t reinvestigation. Even when they have been provided additional information. This is violating my right under FCRA XXXX. I want the account reviewed and updated to reflect they have met the 7 years since account closure. Please delete them.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (TN)

I spoke with two representatives today on XX/XX/2021, with Professional Finance Company in XXXX, CO. The first rep provided me with the file number # XXXX and maintained adamantly that I owed this debt. I attempted to call the original creditor, and was promptly informed that the balance showed {$0.00} owed. I then called back Professional Finance Company and spoke to another rep. She indicated that somehow they sent me a letter back in XXXX at my new address, and that she would not be able to issue me a new letter until I requested one in writing. According to FCRA they have to provide written correspondence when the consumer requests it. They also can not continue to contact me via phone if I've requested such. So in the event they attempt to contact me again, you'll absolutely be seeing a new complaint filed if they contact me via phone since I've asked them not to.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This letter shall serve as formal Notice of my Intent to file lawsuit. 

Credit Bureau has been delivered by registered mail both a dispute letter, as well as a follow-up letter. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, XXXX XXXX XXXX