davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My vehicle was unlawfully repossessed ; I made a {$1300.00} payment and the company representative said I paid the wrong loan. I attempted to pay through accessing the account on my bank application, but the computer application would not allow me to change the amount. I called and spoke with a representative to make a payment of {$800.00}, but they said the minimum they could accept was {$1300.00}. They allowed me to make a payment arrangement which the letter included shows ; I paid more than {$800.00} and they still took my vehicle. The vehicle had heated seats which assist with my mobility ; I am a XXXX XXXX veteran with XXXX XXXX, and a number or other limiting conditions to my XXXX XXXX. I have banked with USAA for over 18 years, but they attempted to get me to pay off a collection agency after they took my vehicle. The XX/XX/XXXX letter they sent me said I owed money and when I called they attempted to transfer me to XXXX an outside collection agency. I didn't default on the terms for the modified loan which says you can lose the vehicle after 8 weeks of non-payment. I had been it communication with them, and even paid including late fees. It is reported on my credit the modified loan was 6 weeks late, not 8 weeks. They did not send me any notice before hand of their concern to take the vehicle. 

I need to find employment, and they need to remove XXXX and all other collection agency reporting from my credit reports with all bureaus. I would also like money returned to me to assist me with purchasing a replacement vehicle. They are causing hardship because the negative reporting is making my insurance costs higher, negatively affecting my credit, and employability.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Revenue Systems, Inc. (AZ)

So I visited XXXX XXXX  Imaging, XXXX to get XXXX   XXXX  done because I've been diagnosed with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Anyways I had to get about XXXX XXXX  done along with a XXXX and I'm planning on getting XXXX more because I had XXXX for my condition in XXXX. Now I'm covered under XXXX under the XXXX XXXX XXXX XXXX. I checked with both my insurance and the XXXX XXXX XXXX to make sure I was fully covered. They both verified that the cost would be fully taken care of. I also wrote my insurance information on all the paperwork asked of me and after they sent me a bill asking for my insurance information which I promptly submitted back. They had my information. 
After that I received no word about the bill till I received a noticed from a collection agency in Iowa called Business Revenue Systems , Inc . They not only failed to properly inform me that they were going to send my bill to collections but they also never contacted my insurance even though I gave them that information more than 3 times. 
Their lack of communication has directly impacted my XXXX XXXX and they were effectively trying to take advantage of my vulnerable condition for financial gain. Funny enough if it wasn't for my insurance 's quick actions and forcing XXXX XXXX XXXX to work with them, my situation would have never improved. 
Also this isn't the first time they abused their customers! XXXX reviews has countless accounts of poor women like me who were scammed out of money and had their credit scores ruined because they never contacted the patients about their debt.
Consumer complaint received 2020-04-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (IL)

Federal Loan Servicing is still reporting on my credit report and should have been removed after I paid it. It has been removed from my XXXX  and XXXX credit report, but it is still reporting on my XXXX report. I have contacted XXXX in XX/XX/2019and XX/XX/2019 and it is still reporting on my credit report.
Consumer complaint received 2020-08-05
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: ERC (WI)

To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 

XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX  XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX
Consumer complaint received 2020-04-12
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. (GA)

I'm having an identity theft issue on my report for an account from the XXXX that I'm not legally responsible for based on fcra section 609 I'm not the holder oF this account and have requested the original contracts please assist me in getting this resolved
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. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION ()

I am a retired XXXX year old American living in the XXXX for the past 8 years, I am a home owner here and have not visited the United States in 8 years. I am also a recipient of Social Security retirement, VA XXXX and a small annuity from the United States Government. The problem I have is all three credit bureaus tell me they can't send a credit report or credit score outside the United States. I have been a member of the Navy Federal Credit Union for the past 2 or 3 years and everytime I apply for a credit card or a small loan they say I have a lot of negative information on my credit report. I have no idea how to go about fixing this or even knowing what is on it. They say I have opened no revolving accounts in the past 12 months is also a reason for denying me, well here again, I live in the XXXX with my wife and kids so I don't have to need to open an account in the US, I don't live there. Also, they advertise a free annual credit report every year but said they can't send it to me or allow me to see it online. So what can I do?
Consumer complaint received 2020-04-12
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. (MO)

I'm requesting for the 3 major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX  {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}
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 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.
Consumer complaint received 2023-02-09
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. (PA)

upon reviewing my credit reports I notices some accounts that did not look familiar and that I was unaware of. I am first asking that you properly verify these accounts and send the original contracts, present signatures, dates, and documentation of when these accounts were opened. I believe that my rights have been violated according to the Fair Credit Reporting Act. because I disputed some of these accounts a while ago and when I pulled my credit recently I noticed that these accounts are still existing. The accounts that are included are the XXXX Co XXXX which is child support. It states that this account was opened back in XXXX and XXXX. I am asking for all information on this account that exist on my credit report. I need to know who opened this claim of child support and for what children was this support for. There are three different child support account altogether. Please do a thorough investigation on these accounts in which I am not aware of these currently closed accounts. If no verification can be established I am asking that these closed accounts be deleted permanently from my credit reports. 

There are collection accounts that also exist as well. The first account is XXXX XXXX which the original creditor is XXXX XXXX XXXX XXXX This account is stating that the open date was XXXX. Another account is XXXX XXXX, XXXX XXXX  adjust which the original creditor is The XXXX XXXX XXXX, and last Online Information which XXXX XXXX is the original creditor. I am asking that all contracts and or promissory notes, all documentation pertaining to these accounts that has my personal information attached to it. 

I also noticed that there are inquiries that should not be listed on my credit reports because I did not request any new credit. The inquiries include XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

Per the Consumer Law 15 USC Section 1681c <f> Indication of dispute by consumer also there should be a prompt notice of dispute to furnisher of information per Consumer Law 1681i 2 <a> and <b> Provision of other information -that the consumer reporting agency shall promptly provide to the person who provided the information in dispute all revenant information regarding the dispute that is received by the agency from the consumer or reseller after the period referred to in subparagraph <a> and before the end of the period referred to in paragraph 1<aXXXX. 

Please update on all credit reports as well that name should be XXXX XXXX XXXX XXXX only Address should reflect as XXXX XXXX XXXX XXXX XXXX XXXX XXXX only there should be no listed employers Again please review and investigate in detail all accounts in question. 

With kind regards XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Under the law I hereby acknowledge that I am who I say I am in the compplaint and not a credit repair company or entity. 

It appears that Experian is currently reporting XXXX XXXX credit services as accurate. 

After reviewing my current credit report I've notice that their are no balance being reported on this account. A violation of FCRA rules section 1681.
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB XXXX XXXX
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB XXXX XXXX
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks
Consumer complaint received 2020-06-15
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)

XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which XXXX has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my trans union and XXXX reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  XXXX. 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX  Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$470.00} Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a letter form Bank of America stating I had opened up 2 new accounts with their organization. I have never done so. 

The letter came from : Bank of America Digital Account Opening XXXX XXXX XXXX XXXX XXXX AZ. XXXX Letter was Presorted First-Class mail paid for by XXXX XXXX
Consumer complaint received 2024-02-25
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: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management last reported on my credit report XX/XX/year>. For the amount of {$600.00} I've searched for the address and phone number for the company, which is unavailable on my credit report
Consumer complaint received 2023-01-04
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (VA)

I have reached out to the bureaus about my XXXX card account. I was a victim of identity theft and fraud and due to this I had erroneous charges on my XXXX  card. XXXX did in fact find theses charges to be fraudulent and reversed all the late payments due to the fraud see attached proof. As well as it is still marked late 30 days in oct 60 days in XXXX and 90 days in XXXX days late on these days on my credit file.and I have proof of theese charges being reversed. So there should be no reason my report still is showing this negative information. 
But account states paid as Agreed.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my USAA XXXX XXXX credit card. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.