davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (FL)

In XXXX of XXXX my Husband and I filed for XXXX XXXX bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus XXXX As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for XXXX credit monitoring, to date nothing has changed.
Consumer complaint received 2022-02-06
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. (SC)

Based on 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, nor later than XXXX business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 us code 1681 b Permissible Purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( XXXX ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. as a consumer i am demanding the deletion of these accounts from my consumer report IMMEDIATELY.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NJ)

In XX/XX/2023, I requested a transfer from XXXX to my simplicity, Citibank card. Apparently it went to a company named XXXX I knew this from the letter that Citibank sent me back stating they sent the money. Nothing they can do when I called they suggested that I call the company which I did and got a letter indicating XXXX that this must be an error because their company does not accept electronic transfers, nor do they accept credit cards because they are an industrial company. Ive been back-and-forth opening up for investigations which close with the same exact letter so I went to the bank and the rep assisted me by calling them and unfortunately it was the same result. I got the fifth closed investigation with the same letter that they paid the company, but the company didnt receive any money because they dont accept electronic transfer. I tried to explain to them that the money is somewhere with Citibank and never left.
Consumer complaint received 2022-02-05
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. (NY)

XXXX XXXX XXXX Is reporting XXXX as on time and closed. This XXXX account, ( s ) is old and should not be on any credit profiles Transunion XXXX and XXXX. XXXX is being reported muliple times.
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

In XX/XX/2021, when reviewing mine and my husband 's checking account, I saw a {$250.00} check that wasn't ours, deducted from our account. The check contained another person, their address in FL and the writing was completely different than either my husband or my hand writing. 
In XXXX, when my husband notified USAA of the error, they initially said they would look into the issue and refund us the {$250.00}. After a few weeks, they stated that yes, the check was from another USAA member and was not from our account, however, they would not refund us the money since they stated it was past the time to report errors. ( The check was written XXXX XX/XX/2021. ) Twice my husband has called USAA to request they fix the error, and they admitted both times, it was their error, however, they stated too much time had passed and they will not give us our money back. 
This has been very scary since our bank has admitted to making a mistake but will not rectify the problem. And our account isn't new, we have been banking ( checking and savings accounts ) with USAA for over 20 years.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (GA)

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called World Finance Corp . They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. XXXX, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2023-03-08
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. (NY)

My XXXX lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this XXXX account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted XXXX for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. XXXX is acknowledging that the account is closed but nothing is being done.
Consumer complaint received 2023-03-08
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. (FL)

In XXXXXXXX XXXX XXXX my Wife and I filed for XXXX XXXX  bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay '', " Notice Only '' payments to be made by the debtor ( s ). On XX/XX/XXXXXXXX XXXXour bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on-time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '' to the credit bureaus. As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in there " Loss Mitigation Dept. ", the department manager XXXX XXXX says they have done everything they can do to fix this and blames the credit bureaus, the credit bureaus say they can only report what they receive. We check our credit regularly and pay monthly for XXXX XXXX XXXX, to date nothing has changed.
Consumer complaint received 2023-07-29
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. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXXXXXX XXXXalance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXXXXXX XXXXXXXXr XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX  Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-03-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (OH)

I spoke to a debt collector name XXXX from Jefferson Capital Systems llc in XX/XX/2020. I got a letter stating I owe a debt and I called the company and XXXX illegally lied and said he is an attorney and threatened me with a lawsuit and told me I had to pay 25 % out of my paycheck. I told XXXX that he is illegally impersonating as a fake attorney. He proceeded to argue with me and the conversation we had escalated. XXXX forced me to give him my personal information and he refused after I told him I dont feel comfortable giving my personal information over the phone. I called back the company the following day and they refused to take care of the situation. XXXX also told me that I shouldve paid my debt instead of spending all my money. XXXX also refused to tell me his last name when I asked him. 

Jefferson Capital Systems llc removed the debt collection off my credit report and are still garnishing my wages.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Acct beginning in XXXX. The account violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) with regard to the payment history. The FCRA requires accurate and timely reporting of payment history. In this case, the account appears to show " C '' for all months in XXXX and XXXX, which suggests that the account was marked as " Current '' despite being a collection account. This is a violation of the FCRA as collection accounts should be reported accurately, reflecting their past due status in the respective months. Also I have disputed this account with XXXX  XXXX XXXX asking that they validate the debt and they have taken no action
Consumer complaint received 2023-03-08
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. (TX)

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (NV)

XX/XX/XXXX I called Navy to update contact information due to being homeless since XXXX. I had no active phone number or forwarding address. 

XX/XX/XXXX Email notification from Navy FCU Dear member, This message is to advise you that one or more of your debts remain ( s ) unpaid and has been declared as a loss to Navy Federal. Please be advised that you are still responsible for the debt ( s ) and we'd like to work with you toward a settlement. 

If you have any questions or you'd like to discuss this matter further, you can call us toll-free at XXXX extension XXXX Please don't reply to this message. 


On Settlement Offer was issued via email by Navy received on XX/XX/XXXX at XXXX XXXX " Our records indicate that you have an outstanding balance of {$10000.00} for the account ending in XXXX. You are responsible for the debt, and collection activities will continue until you have made arrangements to resolve your account. '' 1. Pay {$4200.00} 2. Pay 36 monthly pmt {$230.00} 3.Pay minimum {$100.00} month til balance is repaid. 

The notice had No expiration or due by date On XX/XX/XXXX XXXX IRS tax refund was issued to my checking account in the amount of {$9900.00}, Navy federal without notice seized the entire amount and paid the debt that was previously declared as a loss, and illegally accessed my checking account and transferred funds to other to repay the debt, there was no date listed on the settlement offer as a date of expiration. They pretty much just went into my checking account and took my money without judgement or legal court order with no prior notice that the funds was being transferred or froze.
Consumer complaint received 2021-01-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (TX)

Called is calling from random XXXX numbers. I f dat I not know who this is or what they want. Looked up phone number online which is how I found out that theyre a debt collector. No voicemails are ever left. I block one number and they call from many others.
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: Experian Information Solutions 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 2023-03-08
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. (VA)

I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.
Consumer complaint received 2023-03-08
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. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account name # XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report more than Seven years.

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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-08
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-03-08
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. (FL)

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.