davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy fed XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 Every time I go to this branch I have a different issue. First it's not my bank account because it's a joint account with my husband being the primary. How is this when I opened my account in XXXX and my husband was added at a later date. All I wanted was a cash advance. On my XXXX account. Which is my primary account. I wad very rudely told it was not my account so I couldn't do that. Them I was told that I needed permission from my husband to take money out of our account. Finally ehen I finally had enough I told them to close all 4 of my accounts. Which had way more than the cash advance I was trying to take from XXXX. I always have problems with this branch. I will never use your bank again because of this. I wad told I need to open my own account. Really because the 1 joint checking account and 3 savings accounts mean nothing. What the he'll do I need another account for? I was very rudely told to go back our side and wait. Really I just waited 15 min. Outside to even see the rude teller and her suoervisor. So no im not going outside. This branch is a joke.
Consumer complaint received 2020-08-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I contacted Navient in regards to information that was reported to the credit bureaus regarding a series of late payments in XXXX. I advised the company that the accounts were made current and that I was placed into forbearance at that time and requested the errors be completed. They refused this request as they claimed that they believed the information to be accurate ( without a proper investigation ). This contact was made on XX/XX/XXXX. I then sent a formal letter of dispute via certified mail to the Navient Credit Department the following day on XX/XX/XXXX as per the conversation on the phone they would not let me speak directly to a representative and claimed they only took snail mail. 

To date I have not received return correspondence to this dispute letter. Today is XX/XX/XXXX. I have also sent dispute letters to the credit bureaus dates XX/XX/XXXX and am awaiting a response. This information has not been verified and is inaccurate and hurting my credit score.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for NISSAN MOTOR ACCEPTANCE in XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. Nissan also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX
Consumer complaint received 2020-08-11
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)

On equifax.com, there are 2 collections on my credit report, {$89.00} and {$200.00}. they are not showing on my other credit report from XXXX   and XXXX these 2 accounts were paid off and closed at least 60 days ago. I filed dispute online with Equifax many times, and I also called this 2 collection companies, the collection companies said they sent over my closed account statements to equifax at lease 3 times. but now these 2 collection still showing my reports, and equifax customer service phone couldn't answer my call and I can not dispute these 2 collection online with them. 
Please delete these 2 collections from my credit report. 
thanks!!
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (KY)

As of XXXX. 2020, I am being asked to pay {$100.00} for a debt that I was completely unaware of, by companies that I did not know existed. The collector is named as AMSHER COLLECTION SERV and the original creditor is named as XXXX XXXX XXXX. I do not know of either companies and I don't know why they're asking me for money. I tried to reach them over the phone and could not get an answer.
Consumer complaint received 2020-04-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (CA)

" Your federal tax refund will be returned to you if your refund was in the process of being withheldon or after XX/XX/2020, the date the president announced executive actions related to the COVID-19 national emergencyfor the repayment of a defaulted federal student loan. Your federal tax refund will not be returned to you if the process to withhold your refund was completed before XX/XX/2020 ''. 

On my letter shows XX/XX/2020 has the Department of Education states need to return my Refund. I have attached the document from the Treasury Department it was taken on XX/XX/2020. 

I did not make any arraignments by phone or any type of communication directly to you. I need back my 3 years refund and will not call number provided because this is not my loan and invest time calling to get my funds back. It your obligation to return 3 years of refund and if not will file a suit against you for fraud and any damages that were incurred in this 3 years to collect my refund back. 

I will settle by returning my refund back of 3 years and take off the loans off my credit.
Consumer complaint received 2020-08-11
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. (NY)

XXXX  XXXX XXXX is reporting a collection account to Experian & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX ) Balance : XXXX Account : XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I'm a business owner and have been working with XXXX bank to refinance XXXX of our XXXX XXXX. In doing this XXXX pulled our credit report on XX/XX/24 and we ( both my XXXX and I ) have been receiving calls non-stop from other XXXX XXXX for our XXXX. We have received XXXX calls this XXXX alone. Both my XXXX and I own our own XXXX and can't afford to ignore calls we don't recognize. I'll share the XXXX XXXXt from the XXXX one, XXXX XXXX who says ( XXXX XXXX direct XXXX ) they were sold this XXXX XXXX  information from EXPERIAN. My complaint is directed at EXPERIAN. This has to stop and can not be legal. I didn't authorize the sale of our XXXX information. Please advise.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

I was made aware of a collection on my report when I was applying for a loan. The collection Enhanced Recovery is reporting I quickly went ahead to request a validation from them and they sent me copies of the statements ( which I attached ). Statements don't show me how they came to the amount on the collection. This also in no way shows that this debt is valid and is even mine.
Consumer complaint received 2020-08-11
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. (CA)

I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (KY)

I was employed at a XXXX  where I received health benefits. I assumed my benefits covered a one-time visit to the clinic. I never received a bill or notice to pay or dispute the bill. My first realization that the debt existed was when I checked my credit report. I visited in XXXX. On my credit report it says XXXX XXXX is asking to collect {$180.00} as of XX/XX/XXXX. I tried to contact them but could not get through on the phone.
Consumer complaint received 2023-05-28
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)

Reporting late payments during a pandemic calls in to make payment arrangements during pandemic.

Reporting inaccurate information like dates and amounts of whats due on loan.

are violating the Fair Creah Reporting Act.

According

to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission. According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access an attorney 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. I have been attempting to repair this since XX/XX/2020 - it is XXXX! 

Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the last two years, I have attempted to get Transunion to fix multiple errors on my credit report from personal information, outdated employment information, old/closed accounts, out of dated personal ( fraud ) statements, wrong phone numbers, and adverse account information. I contacted Transunion XX/XX/XXXX to fix these errors and was told the outdated fraud alert statement was removed and my report was correct, there may be a glitch or delay. I was unable to get online to see my report for sometime but thought nothing of it. 

After noticing the other bureaus fixed longtime errors, I checked Transunion on XX/XX/XXXX and noticed the same multiple issues with totally incorrect info so I submitted and dispute online for my personal info and incorrect account info/statuses. I got an email the NEXT morning stating my dispute results and account info was ready and could be viewed until XX/XX/XXXX. I called on XX/XX/XXXX to advised Transuinon there was no way the report was corrected so soon and my information was still incorrect. The outsourced rep claimed the investigation was still in progress. On XX/XX/XXXX, I get another email to view my report and on XX/XX/XXXX I looked and the report was untouched with nothing corrected or investigated. This is causing issues with my financial situations because Transunion or its reps are not properly disputing or removing incorrect information in 30 days. The company is not following the credit regulations. 

I am also unable to use the website fully and print my results since Ive alerted customer service about these concerns but nothing is being fixed.
Consumer complaint received 2020-08-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} FXXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}
Consumer complaint received 2022-10-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-11
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. (MS)

My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX  XXXX {$640.00}
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$890.00} XXXX XXXX {$640.00}
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

I did not have the opportunity to dispute this account. I was not of aware of this debt. Also, please provide assignment of debt, validation of debt, method of validation of debt for this account. 



XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the company to update and remove the late payment remarks on the goods that I was never late on, as this would be fair and equitable to me as a customer.
Consumer complaint received 2020-06-17
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)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with the Three major credit bureaus XXXX Equifax and XXXX about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!
Consumer complaint received 2020-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Chek Cash, Inc. (TX)

A relative had taken out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX United States XXXX Texas and used me as a reference. Every week 4 times a day I get a phone call about the relative that has not paid the loan and I did not sign for the loan. I have told them I will reach out to her about the debt that she owes her and yet they still call my phone every week looking for her.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (MS)

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$640.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$890.00} XXXX   XXXX {$640.00}
Consumer complaint received 2020-08-11
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. (AL)

In XXXX and XXXX of 2020, I filed a dispute with the Three major credit bureaus XXXX, XXXX and Transunion about the unverified account That are being deported inaccurately on my credit report. In those 2 months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you!
Consumer complaint received 2020-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (LA)

I applied for a loan from Evergreen Services earlier today, XX/XX/2020. 

I was told that the loan had been approved, but they explained that the loan involves a two-weekly finance fee of {$120.00} on a principal of {$400.00}. I asked what the APR was and they refused to tell me telling me that the payments were flexible and I could pay just the finance fee or some of the principal too. 

I declined the offer of a loan as it was too expensive for my budget, but I am concerned that they refused to tell me the APR when I directly asked for it.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My Capital one Auto loan is not showing on my credit report. I requested that all 3 bureaus update the info and included a copy of my Capital One auto loan statement. I would like for this item to show so that i can get credit for on time payments