davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC (OH)

I have repeatedly asked this company not to call or email me, not to call or email my references. They are threatening to repossess my vehicle that is not even 30 days delinquent. And they forwarded my personal information to another one of their customers I have multiple emails 50 to support this claim. Please help me. 


_______________________________________________________ From XXXX  XXXX prizm Financial Pay   your car payment. That's how you avoid emails. It's in your contract. Again if payment is not received by the end of the business day tomorrow, your account will be sent to our Repossessions Department. 

Thank you -- -- -- Original message -- -- -- From : XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : ; Cc : Subject:XXXX REPOSSESSION XXXX, Your account is being transferred to our Repossessions Department for further review if a payment is not received by the end of the business day tomorrow. 

Thank you XXXX XXXX -- -- -- Original message -- -- -- From : XXXX XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : Cc : Subject : Re : CALLING REFERENCES AT XXXX TODAY XXXX XXXX, I appreciate your feedback. We tried reaching you by e-mail, home and work to no avail. If we do not have a payment or arrangement to pay we will be forced to contact your references in hopes tor each you. Please be advised that in the state of Ohio your car could be repossessed after being only one day past due. 

Thanks, XXXX XXXX XXXX Prizm Financial XXXX XXXX ** Effective XX/XX/XXXX our office will be relocating to : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX ___________________________________________________________________________________________________________________________________________________________________________________________________ ( XXXX XXXX To : you Details XXXX To XXXX XXXX Cc Bcc _________________________________________________________________ Hello This was sent to me last month ( forwarded by XXXX XXXX but I believe this is in regards to your account. You may want to contact them or an attorney in regards to the security/privacy of your account. Your email/account status is suppose to be confidential and should not have been sent to me, another customer of Prizm. This company and most employees are very unprofessional and I just wanted to make sure you knew your account info was shared ( even if in error ) as I would want someone to do the same. 


Thanks Sent from XXXX XXXX  for XXXX
Consumer complaint received 2021-08-30
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: Nelnet, Inc. (NY)

review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-12-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I reached out to Navient on XX/XX/2019. I stated that I'm getting bills for repayment when I've been a XXXX XXXX XXXX XXXX for the past several years and that I'm nearly done with my degree. They stated that I can no longer get forbearance but I could pay {$150.00} to get deferment. I told them that I make XXXX/yr with a XXXX   XXXX child and I don't have any extra money to pay to hold my student loans while I finish school and neither does my dad who is the cosigner because he's a XXXX vet on a fixed income. I also explained that I have to leave my job soon to do my student XXXX  and wouldn't have income at all. They refused to do anything to help and that they'll just keep going into collections.
Consumer complaint received 2021-08-30
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (DC)

On XX/XX/18 I had a negative balance of {$58.00}, I went on XX/XX/18 to clear the negative balance but the systems were down, I had to wait until XX/XX/18 to cash my check and pay the balance which brought my account positive approximately {$1.00}. I checked my account on XX/XX/18 and I had a negative balance of {$240.00} because the bank payed my XXXX payment {$230.00} when I had a balance of less than {$2.00}, then they also payed my XXXX XXXX of {$200.00}. All of these payments were set up to automatically pay when the funds are present. I have been a BBT customer for about 3 years now and whenever I had a bill come thru and the balance was not available it WAS NOT payed, now BBT had a major computer malfunction and somehow my bills were payed, now they are wanting me to be liable for these errors. I have signed a document stating that if the funds werent available I didnt want the vendor payed but somehow this does not translate over to payment arrangements setup thru my checking and routing number. I feel this is of a very predatory nature to pay my bills without monies being available and then hold my account ransom to pay back monies which were dispersed without a balance that would back them. I have spoken to representatives of the bank and they just want to pass it off and ultimately put this responsibility on me further affecting my finances in a negative manner.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain, especially dealing with COVID. I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc. (CA)

I recently found out I was sued by an old apartment company I used to rent from and this debt is now in collections. I looked up the court records and I was never served by this company nor the debt collector they hired nor the attorney 's office whom handled the lawsuit. Now this company is attempting to collect an amount even after the debt is older than seven years due to a fraudulently obtained judgement. This is tremendously unfair and abusive debt collection practices. I have tried to reason with them and they will not cooperate or help.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

This relates to a previous complaint I had with my XXXX XXXX XXXX VISA with Barclay 's Bank. On XX/XX/XXXX I was advised that Barclays had found in my favor on that complaint with CFPB. Accordingly, they credited my account for {$31.00}, supposedly on XX/XX/XXXX. I calculated that this reduced my outstanding balance on my card to XXXX. The previous CFPB Complaint # is : XXXX-XXXX  In the past 10 days, I have tried AT LEAST 10 TIMES to call Barclays Customer Service to determine if my assumption about XXXX balance is true! Their customer service is HORRIBLE!! I either get disconnected, or have spent up to an hour on hold with NO RESPONSE! I can not check my balance on-line, as the website tells me I must contact customer service. When I call customer service, the automated system will not give me my balance or payment information. It just keeps telling me I need to speak to a Relationship Manager, and then either disconnects me or keeps me on hold FOREVER, listening to crappy music, and never having anyone answer my call! Even when I call the phone number of the Office of The President at Barclays, I get told no one is available and get disconnected! 

This company is ABSOLUTELY TERRIBLE, and their Customer Service should be called Customer DIS-SERVICE! I need to make sure my account has in fact been " XXXX  out '' as assumed by my calculation of the credit they gave me.
Consumer complaint received 2019-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (ME)

The collector SHOULD NOT be contacting me, as the original creditor has previously been notified about a household member currently going through a medical hardship. I have also advised the collection agency to revert the account back to original creditor, as original creditor is SUPPOSED to have notes on file in regards ongoing medical hardship.
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. (LA)

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year> - XXXX XXXX Amount {$0.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- XXXX that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT XXXX XXXX XXXX. IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT. 

ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL
Consumer complaint received 2023-05-12
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These inquiries do not belong to me. I have made several phone calls and sent dispute letters with no resolution. These inquiries are impacting me financially and I and requesting the following be removed and deleted from my credit report. 
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 2019-12-05
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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-01-29
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. (GA)

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-28
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. (MO)

Im a victim of identity theft and I have fraudulent accounts and collections including inquiries on my credit report due to fraud. Ill file a FTC affidavit along with the other documents required to be with it. I read a article on the internet that said equivalent and Experian is doing it he most but all 3 of my major credit bureaus only took two off from experian
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX erroneously and illegally reported a duplicate automobile account on XXXX with a Last Activity Date of XX/XX/ XXXX XXXX 

XXXX XXXX is not reporting on TransUnion or TransUnion is not updating XXXX XXXX 's reporting because it is not on my TransUnion report.
Consumer complaint received 2019-12-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Submitted request for mortgage modification, I got behind on my payments because of my employer reducing my hours to part time hours. I'm now working 40 hours a week and can make the house payments. Received property foreclosure notice for sale of my house XX/XX/2019. The State of Tennessee law is the homeowner is to receive 30 day notice prior to a property foreclosure sale. I did not receive the notice 30 days prior.