davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (FL)

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and Experian to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX Account XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (CO)

Someone opened a credit card I my name with Destiny/Indigo. I only found out because I started receiving collection calls and mail from the collection agency. This is not my account and I need help getting the collection canceled and the card taken out of my name. I do not owe this money
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report : XXXX University XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX XXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXX University account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt collectors are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA. 

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXX XXXX  charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation o

f FCBA, which requires creditors to provide accurate information to credit bureaus. I demand that these errors be corrected imm
ediately in accordance with federal law. I also demand that any negative impact on my XXXX XXXX be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-10
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TX)

I contacted Navient requesting Verification of the debt Navient says I allegedly owe to them. Weeks Later Navient sent the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Master Promissory Note ( see attachment ). In this Promissory Note it's referred under the Borrowers Rights and Responsibilities Statement, the words we, us, and our refer to the U.S. Department of Education and Direct Loans are made by the U.S. Department of Education. However in the Promissory, it does not Include Navient. I am a private consumer. I never gave Navient Written Permission to Furnish Any information About me to any Consumer Reporting Agency 's, No Consent means Identity Theft. It was not clearly and conspicuous stated Navient would furnish any information about me, or be acting as a debt collector collecting payments due or owed to the U.S Department of Education. I never entered into a contract with Navient. Furthermore i am challenging the accuracy and integrity of furnished information by Navient.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

This lease was taken out with American Car Center in XX/XX/2022. American Car Center went out of business and transferred this account to Westlake Portfolio Management. Per the contract any change in the lease should be in writing and signed by me and the assignee. I was not notified that the transfer was going to happen. and certainly did not receive written notice nor did I sign a new lease. I have requested my contract from Westlake Portfolio but what they sent was not the original contract and the loan amount was different. The original contract I actually signed by hand and the contract that was sent was signed electronically. I am not able to get a copy of the contract from American Car Center because they went out of business.
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NH)

Its a rental principal owed from someone who stole my identity. For a apartment rental in XXXX XXXX FL. For XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are Debt Recovery LLc Genesis from XXXX WA XXXX. I live in NH XXXX and also work here and do not live in florida or did. The rent there is {$3100.00} what i was told i owe is {$17000.00} I did not or would not pay that type of rent or live in florida! Date it is for XX/XX/XXXX to XX/XX/XXXX. So far this is all the information that was given to me over the phone.
Consumer complaint received 2018-03-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters repeatedly is calling me about this debt. I can't determine the dates as they use differing phone numbers each time they call along with other telemarketers that use varying area codes. 

On 3 separate occasions they called me and I told them that I not only can not receive phone calls on my work number, but that I did not owe that debt. The debt is also over 10 years old.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2019-12-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

Over the past 3 years upon renewal subsequent to past issues prior, there have been very serious constant errors, negligence, personal information comprimised, lack of payment statements and possible fraud, misappropriation of funds. 

I called for months, found out my telephone payment were randomly applied, and applied incorrectly and the ach debit id that correlated to my bank account reflected mans cell phone that work for the processing company for BMO Harris bank, XXXX XXXX, After finally reaching the Presidents office 3rd year in a row, the head VP of complaints in USA, XXXX XXXX, year 2018, and now Mr. XXXX XXXX, after a full investigation they closed my loan and rebooked without my convent, immediately following my verbal and text communication that I wanted out, they should forfeit my loan, I seriously think they should be fully Audited for the portfolio that they gave to XXXX XXXX when the bought XXXX XXXX  charter from the FDIC. I have records of misconduct, negligence and privacy rights disclosed to a landscaping company. Misappropriation of funds etc. iIve never experienced anything like this. Most recent statement made no sence. My last phone payment never went through, they called me today to tell me I never paid, I said I did the same way I did every month, they said this month I had two loan numbers, so my payment never went through, now I called after work to verify, and it does not recognize my loan number? 

What they have done is illegal, again the us department of treasury as well as the remittance rule over and over, most importantly my human right. 

XXXX XXXX  is horrible as their reviews clearly state, yet for well over 3 years Ive had So many problems, now they are verbally lying saying I did not make this months payment, sent me a false statement, and No XXXX called me today to say they had to rebook my Heloan? 
I signed nothing! 

I would like council, I believe they should be fined or resin my loan. 
Its that horrible! 
Please contact me, XXXX XXXX XXXX. Us Inspector General
Consumer complaint received 2019-12-24
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: EQUIFAX, INC. (WA)

XX/XX/XXXX I called Equifax to inquire about my investigation. Due to an unsatisfactory response provided by supervisor XXXX, I asked the representative for a number to his manager supervisor XXXX provided a fake # to claiming that this number was to his manager XXXX. The number is XXXX. I was unable to reach anyone at that number. 

XX/XX/XXXX I called Equifax to inquire about my investigation. The agent claimed that their system was down, and he could not provide any service. This exact excuse was provided to me on XX/XX/XXXX when I called. The agent then proceeded to hang up on me while I was talking halfway. This has also happened twice - hence I believe that this is not an " unintentional '' incident.
Consumer complaint received 2022-11-12
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. (TX)

I as the consumer have had my rights violated with incorrect late payments that have damaged my reputation and well being. The accounts are not accurate across all three being as XXXX bureau ( XXXX ) reports zero late payments while ( XXXX and TransUnion ) report XXXX which are false. I never gave consent to report such a thing in the first place and this incorrect information is very damaging. I WANT THESE DAMAGING LATE PAYMENTS UPDATED TO POSITIVE TO BE ACCURATE AND I NEVER GAVE ANY CONSENT TO INCLUE THIS INFORMATION ON MY REPORT.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This is a formal complaint against the terminally XXXX  chief of the XXXX XXXX XXXX Citizens Bank branch XXXX XXXX, who is so incompetent that she can not even read or receive emails wherein I have sent her several times formal notice of our XXXX  XXXX bankruptcy filing for XXXX XXXX XXXX XXXX case no XXXX XXXXXXXX, so that she can stop harassing and collecting bank fees on a bank account that should be closed and not do this, as it violates the bankruptcy automatic stay under 111 USC 362 . 

Instead of honoring our request to open up a new bank account with our new tax ID number and new law firm corporate name, she wastes more than a week hemming and hawing and claiming that her " branch manager '' has to " get back to her '' but at the same time telling me that I must settle {$500.00} in illegal bank charges that should not even be assessed, as we filed for XXXX  XXXX bankruptcy on XX/XX/2023, and Citizens Bank was duly notified as such electronically as a creditor notified to attend the XXXX creditor meeting on XX/XX/2023, which of course, they did not attend. 

Instead these federal law breaking imbeciles including her cohorts at the bank mouthbreathers XXXX XXXX, XXXX XXXX and other XXXX  working there feign ignorance and stupidity instead of just moving forward and allowing us to open a different checking account. 

Please investigate and advise.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Equifax, XXXX, and XXXX  are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NV)

Sent : Tuesday, XX/XX/year> at XXXXXXXX XXXX XXXX Subject : File a a Dispute with FTC and CFPB.gov//CareCredit balance is incorrect and lowered my good standing account without notifying me of the transaction! 

My approved credit card account amount is {$1300.00}. 

Without notice and without a chance to make a payment prior to lowering my credit line, CareCredit lowered my initial approved amount of my credit line of {$1300.00}, which in turn made my account in good standing appear to be over the limit, which in turn lowered my credit score by XXXX points of damages that I can not recover even when they made up this mishap, it caused extensive consumer damages to my credit profile account!!!! My account was in good standing ...! They need to be reprimanded. 

Not acceptable... I am composing a formal complaint to the CFPB to take note of CareCredit 's abuse of consumer credit laws and practices. 

My account is in good standing... You lowered my initial credit account approval of {$1300.00}, for NO reason and lowered my credit line to only {$500.00} which in turn made my paid account over the credit limit and lowered my credit scores!!! CareCredit/Synchrony has created substantial damages to my consumer credit history!!! CareCredit take advance of consumers and are an abusive consumer credit company.
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

I do not have any debt whatsoever. Everything I own is paid off or paid in cash. This company, Sunrise debt services XXXX XXXX XXXX is a scam and calls my number even though it is on do not call list
Consumer complaint received 2023-01-16
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. (CA)

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 2019-12-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX says they credited my return made XX/XX/2019 and GM Card, Capital One says they haven't. It's XX/XX/2019. Capital One is going to Bill me and says they'll repay me when XXXX XXXX bank sends them the money. GM-XXXX-XXXX-XXXX, XXXX XXXX. XXXX at Cabela 's Capital One on a three way call spoke with XXXX at XXXX and can confirm this, Why can't GM Card do as much?
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (CA)

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 2023-01-16
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. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX Balance Owed : {$5.00} ; XXXXM XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balnace : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired onXXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lending Club Corp (NY)

Lending Club contacted someone I know that I have no relation to or personal connection to other than a friendship, I have no idea how they even got this persons number. They called them, told them the amount of my loan, lied to them and told them I used them as reference to receive a loan ( I didn't even know this person at the time ) and disclosed personal information about me.
Consumer complaint received 2019-12-23
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (MI)

Im not late in payments. Im toward the end of this loan term. In accordance with the Fair Credit Reporting Act this creditor Acima Credit has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. Acima are Violating my rights.