davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by NCA. Upon reviewing my credit report, I discovered that NCA has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to NCA or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that NCA is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at [ Your Contact Information ] to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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. (MO)

It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : 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 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

unauthorized inquiries XXXX XXXX XX/XX/2022, XXXX XXXX  0XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022
Consumer complaint received 2022-10-14
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. (KS)

XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MA)

I enrolled in the XXXX XXXX University ( XXXX ) after responding to advertising that said I would be placed for employment upon graduation earning {$75000.00} per year. I applied for a Federal Student Loan but came to find out I was placed into a high cost private student loan. I hired an attorney. My attorney requested documents from XXXX and from Navient Solutions , Inc. XXXX is refusing to turn over my records and Navient Solutions , Inc. ( XXXX XXXX ), after receiving a request to turn over records sent my co-signor a demand letter threatening a lawsuit. My attorney has since given 30 day notice of my election to arbitrate the matter.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (KS)

XXXX third party utility company billed me twice with electric charges and I was being billed by the electric company as well. They sent it collections to XXXX  for {$570.00} the amount is incorrect. I ask to update my bill so I can pay it they just sent it to collections
Consumer complaint received 2022-04-20
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)

Upon looking over my credit profile with all 3 major credit bureaus I noticed I had some inaccurate accounts on my credit report. I immediately disputed these accounts on all 3 major bureaus sites, to no avail. I sent dispute letters on XXXX and did not receive a response from neither bureau. I also sent a certified demand to comply letter on XXXX and have yet to receive a response. 

The credit bureaus had 30 days to confirm or delate these items off of my credit report and they failed to do so, even after the demand to comply letter. Im asking that all 12 accounts be removed from my 3 credit reports immediately. 

The inaccurate information/accounts are : XXXXXXXX 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 Thanks for your time in this matter. Accordingly I await your response.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Today on XX/XX/22, I made a series of transactions via XXXX and my mobile banking app with Bank of America. In turn, my card was locked a few times. Each time I called the fraud department and unlocked my card with little to no issue. However, I am out of town purchasing a vehicle and needed to use the ATM to get the rest of my deposit off. When i went to get it unlocked for the XXXX or XXXX time, the representative let me know they were closing my accounts for " fraud ''. I find it hard to accept that final decision due to the fact that all fraud inquires were resolved numerous times by numerous agents today. Now my account is closed, I can no longer bank and I do not have access to my funds. The last representative informed me that BOA could make that decision with no reason at any moment, but how when they originally said it was due to fraud? I resolved all issues with my account before this and i believe it is unfair to have my account closed for this reason. Also, I do not want other banking institutions thinking that I have fraudulent activity associated with any future accounts as well. If I could get this matter resolved it would help a lot.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

The interest on my loan needs to be recalculated. I initially took out student loans in XX/XX/XXXX-XX/XX/XXXX. Later I returned to school from XX/XX/XXXX-XX/XX/XXXX and during that time the previous loan was not deferred while I was in school. My current loan servicer, Navient, has no record of attendance in XX/XX/XXXX-XX/XX/XXXX, and the advocate says they can not do anything despite having official transcripts presented to them. In searching the Dept. of Education Database, there is no record of my attendance during the years of XX/XX/XXXX-XX/XX/XXXX, therefore the loan was never deferred and interest accrued. Additionally, I question the interest charges during the period of XX/XX/XXXX-XX/XX/XXXX. During these years I was a student, on welfare and was not offered deferment of my loans. I need assistance in obtaining the true amount owed at this time after the interest adjustment. I would appreciate having someone who can help me a ) submit the official transcripts for school attendance from XX/XX/XXXX-XX/XX/XXXX to the correct contact, and b ) revisit the circumstances of the period during the years XX/XX/XXXX -XX/XX/XXXX, leading to a recalculation of my current loan balance. Your help is greatly appreciated. Thank you.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Capital One Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-02-19
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: Phoenix Financial Services LLC (FL)

The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, PHOENIX FINANCIAL SE {$640.00} XX/XX/2021, PHOENIX FINANCIAL SE {$930.00} XX/XX/2021.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpha Recovery Corp (MD)

In XX/XX/XXXX, I moved into the XXXX  at XXXX XXXX in XXXX, Florida ( XXXX XXXX XXXX XXXX, FL XXXX, phone : XXXX ) ; which is an apartment complex managed under The Cardinal Group Management ( XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX phone : XXXX ). 

After several ( over 20 ) emailed complaints during my residence ( e.g. gnats, roaches, wasps, inoperable air conditioner, torn furniture, missing furniture, etc. ) and no resolution, I was able to speak with the apartment manager ; XXXX XXXX and she agreed to allow me terminate my rental agreement in an in person conversation. I followed up and received a confirmation email from XXXX XXXX the Marketing Team Leader regarding the conversation with XXXX XXXX and myself on XX/XX/XXXX confirming the permission to cancel the leasing agreement with XXXX XXXX on the email as well. 

On XX/XX/XXXX I received email correspondence from the management company indicating that I had an outstanding electric bill. This email thread continued on into XX/XX/XXXX with the following XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX : Portfolio XXXX, XXXX XXXX, and XXXX Washington. All personnel chose to stop responding to emails as of XX/XX/XXXX from XXXX XXXX whom was investigating the ONLY outstanding bill from as of XX/XX/XXXX, which was a high electric bill. 

On XX/XX/XXXX I received an email with the debt for the term of the entire lease at {$4200.00}. As previously mentioned, the lease was cancelled per management agreement. 

Recently, I received mail notification from a debt collection agency- Alpha Recovery Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX CO XXXX, phone : XXXX ) for a debt collection amount of {$4200.00}. 
I called the debt collection agency to dispute the debt and the agent indicated that he had information he received from Cardinal Group Management and that I am required to pay the debt. I stated how I had written documents to confirm that the debt is null and he stated that I would need to call the management company because he only is required to collect the debt. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX and emailed the apartment manager, XXXX XXXX and did not receive a response regarding this outstanding debt. 

I also emailed the aforementioned Cardinal Group Management employees on XX/XX/XXXX and XX/XX/XXXX and no one has responded to any of my emails. 

This debt is now reflected on my credit history and I have yet to receive any responses or answers from the company responsible for this debt. I have written documentation from staff that verifies the cancellation of the lease and yet, 2 years later I have received a debt collection.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-04-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-04-20
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. (TN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681 section 602 A : states i have the right to privacy. 15 USC 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 by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) states : 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 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I called Capital one several time to have my phone number and address updated and they have refused to do so - Capital one have an open card to my name sent to an old address and it might be in someone else 's possession- I have called numerous times to try to have my information corrected and they have made it impossible to do so in a secure manner so, I have requested that they close the account.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to the ATM on XXXX XXXX XXXX, XXXX XXXX at XXXX and used ATM number XXXX | XXXX | XXXX to deposit {$450.00} cash into the machine the machine took my {$300.00} cash and then stopped my transaction immediately and gave me an error Cash deposits, bill payments, and check deposits are currently unavailable no payment was processed and I didnt get my cash back or any receipt. I spoke to 2 associates in the branch and they couldnt help they said to call the number on the back of the card. I spoke to one representative which reffed me to supervisor named XXXX at XXXX and she refused to file a formal complaint that the money was taken. I called again and spoke to another representative named XXXX at XXXX and all she did was make a note on my account to call back in XXXX hours. They refused to run an investigation and no cash was returned
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to access my Credit File through both XXXX and TransUnion.com in which I have been unsuccessful. I have tried to resolve this matter with them, but I am not getting anywhere with them directly.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

My credit score had remained in the mid XXXX. On XX/XX/2022 the credit reporting agency posted my credit score and dropped the score by XXXX points. 

First this is unheard of. When investigating the problem there was 2 signals that showed ( 1 ) old account was dropped from my credit for age ( 2 ) bank loan acct decreased for regular payments This would not have lowered a score it would have raised score. Especially not lowered by XXXX points. 

This error on the reporting agency has cost me thousands in extra interest and high end loans. 

I have had problems with this reporting agency before - refused to assist by telephonic services and seem to find these situations amusing. They seem to go away if you buy there reporting services.
Consumer complaint received 2023-10-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IN)

Purchased a refrigerator from Best Buy XXXX Citi backed ) using credit card. Interest deferred for 18 months. Even though I have been making payments since I purchased the refrigerator, they are not applying all of my payments to the promotional balanace. I called them to ask them to do that with all my payments, and they say they can not because it's been more than 60 days. Wasn't there a law passed that said they had to allocate the entirity of a payment to promo balances first? Now, even though I have more than paid off the original purchase, I have a remaining promo balanace of {$350.00}. That does not make sense whatsoever.
Consumer complaint received 2021-08-26
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. (MI)

The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.