davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (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. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 

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 2021-01-15
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. (FL)

Starting From XX/XX/2020, this company named XXXX/XXXX/XXXX  has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is Experian. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to Experian. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is Experian. At this point, I am being harassed.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

On or about XX/XX/XXXX, {$520.00} Transworld report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. Transworld without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, Transworld is report that it was open in XXXX in attempts to hurt my good credit. Transworld on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, Transworld refused to give me a name or address to file legal actions against both Transworld and the third party. Transworld told me it would be removed from the credit report however, XXXX has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from Transworld and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and Transworld is XXXX  which the company has stated info was received.
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XXXX of 2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Consumer complaint received 2021-01-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

My vehicle was stolen in XXXX of XXXX. My insurance company settled the loan amount with Nissan Motor Acceptance/Infinity Finance and paid off my vehicle. Paid in full. 
A year later I received a bill from a collection agency stating that I owed over {$500.00}. I called them and inquired about the balance. I explained to them that my car was stolen a year ago and XXXX paid the debt in full. They stated to contact my insurance agency on perhaps an error. XXXX sent me proven documentation that it was paid in full. In XXXX I refinanced my house and the same debt still appeared on my credit report. I had to just pay the debt so I could move on. Three years later it still shows the same amount of debt even after paying it. I have written many letters to Nissan Motor Acceptance. I hired a credit repair to assist and they have written letters, I have made phone calls and even written all three credit bureaus. There response today is that they have NO record. However, they are still reporting a charge off on my credit report. This is very unfair as I have NEVER been late with any car payments. My insurance satisfied this debt. I still paid it to move on hoping it would fix my credit. Even though I did not owe this debt. Today they are still reporting something a balance they have no proof of.
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (IL)

My wife and I leased a XXXX from a XXXX dealership in XXXX in XX/XX/2018. We were very up front that we were a active duty family and moved pretty consistently. We were advised that having a lease would not be an issue since all of the fees are paid up front or at the end. Fast forward two years later and my payments went up {$40.00} dollars and no one could tell me why my payment had changed when nothing had changed. This was before XXXX and I finally was able to get an answer after XXXX XXXXXXXX XXXX Day. A rather rude agent told me that my payment had an additional sales tax added to the payment. I told him that should not have happened considering that nothing had changed on my account. Temporarily the address had changed and he claimed that that was the reason. There was nothing he could do but I could contact the tax authority near my home for help. The car is registered through our home state and has been for years. There was no disclosure sent to my husband or I and the statements do not show where the the fees were added or how much. Half of the statements are missing and I have requested them with no avail. All I want is for my payments to be back to where they where and for the company to fix their dishonesty. I will definitely not be buying this car at the end of my term.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX  had an address for me in California. 
TransUnion had my birth year off by 5 years. 
XXXX  has an alias of XXXX XXXX. 
Someone had an address for me in Illinois and Kansas. 

Incorrect payment history for XXXX across all credit bureaus. XXXX has stated 4 times to CFPB that everything is accurate. 
XXXX mortgage account number XXXX Are you mixing my account up with another XXXX? 
Is XXXX mixing my account with someone else and thats why they claim reporting is accurate? 

There are many inquiries that I have no idea where they came from. I have spent the last year contacting every creditor that has an inquiry and none of them will give me any information on why they authorized access to my credit report. The credit bureaus and creditors play tennis back and forth blaming each other.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc. (CA)

XX/XX/2018 XXXX XXXX XXXX sent a debt to alco collections that was disputed. All details are in files attached. There is no way to pay or even contact alco collections and XXXX  will not remove it from my credit even though the other two bureaus have.
Consumer complaint received 2021-01-15
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. (FL)

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (VA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (NY)

To whom it may concern, I called to close my credit card with City National Bank on XX/XX/XXXX. I was told the account was successfully closed on the phone call. The statement closed on XX/XX/XXXX showed the balance to be XXXX. However, City National Bank charged me an annual fee of {$680.00} on XX/XX/XXXX for the following year. 

Because I closed the account, I was not aware of the annual fee until XX/XX/XXXX when my mortgage broker told me that I have a late payment on my credit report. I contacted City National Bank, but only received a letter acknowledging the error from an associate. However, no one else has given me a definite answer with regards to whether the fee will be waived and whether they will correct the late payment notice on the credit report. The balance of late payment and annual fee is still on my credit statement, and all three credit bureaus are still showing a late payment.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I received a call from a 1-866 number that showed up as Bank of America. They said they were from the fraud department and detected someone accessing my account, needed me to change my USER ID and Password to the ones they provided. ( They never do that ) I hung up called Bank of America. They transferred me to Fraud and they said they did not call. 

But they wanted me to close my account as the person who called seemed to have detailed information about my banking. Since this is a few days before payday we could not. 

So they recommended I open a savings account move my money over. Which I did. 

Then they said log in to your account in the morning, and if all transactions look good transfer your funds over. As long as the funds are in the account by close of bank day there is no Over Draft or return fee 's. 

On the XXXX I had transactions come into my account, I agreed with them all so moved money over to cover them. I did the same on the XXXX. 

But on the XXXX I saw two items returned and NSF Fee 's calling into the bank they agreed that as long as the account is positive by end of bank day they never return items. 

But refused to refund the NSF fee 's saying they are valid. They are not.. 

As you can see when the XXXX XXXX and XXXX card payments went through the account did not go negative as I had transferred funds in the morning. 

Many of these companies have rules 2 returns in a 12 month window can close an account as well as flag you late on your payment. 

I followed explicitly what Bank of America asked me to do. As a consumer, the fact PLAID was compromised and my banking information leaked is not my fault.
Consumer complaint received 2021-01-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (MD)

In XXXX of last year I took a twelve month title loan with XXXX XXXX of XXXX, VA for {$3300.00}. 

I made a payment per month for each month since totaling {$1800.00}. Over half of the loan amount. 

As of this morning the website says I owe {$3300.00}. Payments of {$1800.00} brought the loan balance down only {$9.00}.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

For the last year or two I have been getting repeated calls, emails, and debt collection from XXXX XXXX XXXX/XXXX. They are saying that I owe {$410.00} for service I had with them. I have stressed to them over and over that Ive never opened up an account with their company or never stayed at the address that was provided on file where the service was installed and used. This has become a problem because they keep issuing out the same collection under different agencies for the same revolving amount of {$410.00}. I have sent in documents and disputed the files online through XXXX  but they always come back under a different agency. Also, Ive even went to there website and filed out an affidavit and sent it to the office back in XX/XX/2020, but received no response if the documents had been received on their end { XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Consumer complaint received 2021-01-15
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: DISCOVER BANK (TX)

I have made multiple complaints against Discover because they are just not right. It is reflected in the attached letter from Discover ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, Discover didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but Discover simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and Discover protects someone who has nothing to do with the card and stealing.????????? The Discover debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.
Consumer complaint received 2021-01-15
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. (CA)

XXXX XXXX BALANCE {$12000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
Consumer complaint received 2021-01-15
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. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-15
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. (AL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (PA)

PNC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NY)

I was a victim of identity theft Someone open a Citi bank checking account using my name social security number DOB and my old address on XXXX XXXX on Tuesday XX/XX/XXXX XXXX Citi bank send Me a check book, PIN number and a letter then on XXXX XXXX Citi bank send me a debt card all these items where send to my old address I never had account with Citi banks and I never open this account