davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (TX)

This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (TX)

According to Zions holding Inc Company 's Response We purchased your account from the alarm company XXXX. Your account was set up on XX/XX/XXXX and sent to collections due to non-payment on XX/XX/XXXX. Your statement of the account being 10 years old is not accurate. We have done a thorough investigation of the account. It has been determined that the debt is valid. It doesn't matter if you're the tenant or the landlord. The balance owed is XXXX We are willing to settle your account for a discounted amount of XXXX, if paid by XXXX. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. 







Nevertheless from XX/XX/XXXX to XXXX of XXXX I lived in XXXX XXXX XXXX 

I was no longer a tenant at this address or in XXXX during those times. 

Furthermore : A Summary of Your Rights Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 


Therefore not only is this not my account, it is over 7 years old. This company is violating my rights and should be held accountable. The account should be removed from my credit report.
Consumer complaint received 2020-06-16
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED. Inquiries : XXXX, XXXX XXXX.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UBS BANK USA ()

I sold my company shares using UBS account ( the own company gave us shares in UBS ) in XX/XX/XXXX. My account was not correct and the money couldnt get in my XXXX  account, but since there they always give me 15 days to the money come back to the account and this doesnt happen. They lost my money and they get lying about a term that they dont comply with.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, CFPB : I DO NOT OWE XXXX XXXX  NOR XXXX XXXX XXXX XXXX. XXXX XXXX  IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E ( PLEASE READ ), AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS. 

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT XXXX XXXX ) FOR {$58.00} ; THUS, CREDITING THE XXXX CHECKING ACCOUNT {$58.00}. 

( 2 ) REQUESTING XXXX REMOVE THE EXTENDED OVERDRAFT SERVICE FEE CHARGE OF {$23.00}. 



( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF XXXX CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

Equifax sent out a subscription product refund check to me in 2019. It was sent to an old address in XXXX, Maryland. I have lived in California since 2015 and currently reside in XXXX XXXX, California. The only reason I received the check was because the concierge at my old address saw it and mailed it to me. By then, I was no longer able to cash it. I'm still not sure why it was mailed to Maryland. 

I have called Equifax multiple times and have spoken to multiple representatives. I have been transferred so many times and still have not gotten anywhere. No one has been able to assist me. I have been told someone will call back but no one has. I have sent emails but no one responds.

I have been trying to contact Equifax on and off for one and a half to two years regarding this. It has been frustrating. 

I simply want the check reissued to the correct address.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (VA)

Receiving alerts, messages and phone calls about a debt that is not mine. I do not have and have never had services that I am being contacted about. I have never lived or visited the location of these debts. It is impacting my credit and my life. I can not provide dates or amounts because they are not my debts.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Consumer complaint received 2020-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (SC)

I was being financially scammed and fraud between XXXX to XXXX. My personal identity being a fraud in many fraudulent bank accounts in the U.S. which involved big scammers groups. 
Myself, my family, and my friends being scammed for over {$200000.00}, the scammers involving in job and housing providers. And I already had police reports and other reports at the state and federal levels, and criminals would be injustice one day. 
Criminals applied a load in Wells Fargo bank account online, I did not apply this load. 
At the beginning of XXXX, I was frustrated with dealing with many fraudulent bank accounts, and I paid two months ' payment for this load. The police officer told me the case investigation will take some time, so I stopped payment and tried to contact with Wellsfargo bank. 

Police report case # XXXX Police investigator : Mr. XXXX, phone : XXXX Federal Trade Commission case # : XXXX Police investigated 6 criminals and 3 criminals bank accounts. 

One of criminal has a WellsFargo Bank account. 
Account Name : XXXX XXXX Account Number : XXXX Swift Code : XXXX Routing Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I deposited money into this criminal bank account, I hope WellsFargo help the police and Federal Consumer Bureau investigate this account. 

The fraudulent loan account ending in XXXX I request Wellsfargo investigate this fraudulent loan application and refund the payment that I already did in XXXX and XXXX.
Consumer complaint received 2023-01-04
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. (NY)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (CA)

When I signed up with the company I was told there would be no additional fees. Also, I was never told that the company takes their settlement fee first and then pay the creditor. It seemed like a scam that freedom debt relief paid themselves before they paid the creditor.
Consumer complaint received 2024-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (NC)

Navient was involved with the XXXX XXXX XXXX XXXX XXXX and the ART INSTITUTES with not allowing for co-signers to be released even after several. months, and years of good payments and active accounts. Navient has also raised the interest prices, set new fee prices without disclosing it, and also the company is still acquiring money for a loan that was from a PRO PROFIT institution and one of the most famous FRAUD institutions of all private colleges. Navient forgave accounts after being sued which were behind in payments but the accounts that were active and not in default were held to continue paying for an institution that has closed, and the diplomas and bachelors degrees aren't not worth anything. My loans have been paid for already. My interest rate continues to increase and no information is ever given on the new interest rates, the fees that are now different and also I have tried several times over the years of holding this loan and I can not get my COSIGNER off my loan. I do not have a default loan, I have been paying from the very beginning and they still will not release my sister off this loan. I have been penalized for staying positive on this account, for paying on time, and for over paying a loan to an institution that defrauded their students, and had already received forgiveness from the government as well as Navient. Navient was the preferred lender # XXXX to prey on students who applied for loans to online for profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These loans should also be discharged due to school misconduct, violations on with-holding information to underage students, not informing about new percentage rates, new fees added to the account, and the misconduct of not allowing the applicant to take their co-signer off their loan after so many years of proper payment. They have pigeon held my future and my credit rating, and now my cosigners for nothing. They have received more than my initial loan and it is not fair for the applicants who decided to stop paying to get forgiveness but the ones still trying to do what's right are being harassed by phones calls about paying your bill even when your on time, and the run around with misguided information about why you can't release a cosigner or even try for forgiveness of a school that has closed because of FRAUD. They will not even entertain a phone call to give you the right information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AL)

Purchased a vehicle from XXXX XXXX XXXX which is out of business, from what i recall the dealership stated I had warranty and gap coverage, according to Westlake Financial who purchased the account from Vehicle Solutions stated there wasnt any warranty or gap coverage, Ive asked for a copy of the contract still havent received it, always get transferred or hung up on, and cant never get around to explaining an situation or asking questions. nevertheless the car was voluntarily surrendered. Looking over my credit report Westlake Financial has reported inaccurate information regarding payment history and balance owed to both XXXX, XXXX, and XXXX. Payments were never 30 days late, and also from the payment history the account shows charged off with a XXXX  balance, but shows on the credit bureaus as XXXX XXXX balance with a past due balance XXXX  XXXX.
Consumer complaint received 2020-06-16
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. (NY)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX. Inquiries : XXXX, XXXX XXXX.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I received multiple overdraft fees on automatic payments that could have and should have been denied in the month of XXXX. Also, the payments did not post, and I had to pay a return fee to the merchants. After my account had already been overdrawn they allowed more overdrafts of XXXX. After that more overdraft fees were added to items that were paid when I still had the money in my account. My account has been closed and I am being told I owe around {$700.00}. I am no longer able to access my account information.
Consumer complaint received 2020-06-16
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. (CO)

As of XX/XX/2020 I placed a dispute through Experian that my credit card balance with XXXX XXXX ( XXXX XXXX ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that XXXX XXXX reported with the same inaccurate balance. 

I tried calling XXXX XXXX customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NY)

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ATG Credit, LLC (SC)

Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX # XXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law. 

They also have the same account listed twice.