davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXXXXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-24
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: NRA Group, LLC (TX)

The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX. 

Thank you in advance, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

I was notified by National Credit Adjusters , LLC that an owed balance of {$300.00} was placed in collections for a XXXX XXXX loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. 

It was not identified if these people own the debt or are a collection agency.
Consumer complaint received 2022-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I was placed on student loan forebearance XXXX XXXX XXXX  due to being on unpaid maternity leave. I was never advised to recertify my income to show my loss of income, therefore I lost those payments eligibility for XXXX XXXX XXXX XXXX. 

In adddition, from XXXX XXXX XXXXXXXX I was also placed on forbearance, due to awaiting on the XXXX to amend my taxes from married filing jointly to single so that I could afford an income based payment plan. I was never advised to turn in a paystub instead of wasting XXXX  months of eligible payments. 

In XX/XX/2017, I was placed in forebearance unknowingly while they recertified my income driven plan, again taking away an eligible payment.
Consumer complaint received 2022-03-24
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. (TX)

I have filed a complaint against XXXX and Transunion on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under FCRA  compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

Transunion 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 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I 'm getting no where with these people.. they are AWFUL. I have tried NUMEROUS times to qualify for the income base repayment plan.. Every single time they have lost my paperwork, sent me the wrong paperwork, they placed my loans back in default.. they have accused me of being at fault for all of this.. IT IS FEDLOAN! STUDENT LOAN. GOV!! I ca n't even get into either of these accounts anymore! They have screwed up my password!! I am so lost right now i have no idea of what to do.. they want thier money back then they need to fix their XXXX XXXX system! This whole entire situation has been a NIGHTMARE!!
Consumer complaint received 2022-05-16
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: Army and Air Force Exchange Service (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section ^02 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.
Consumer complaint received 2022-05-16
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: JPMORGAN CHASE & CO. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX h

as violated my rights. 15 USC 1681 Section ^02 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.
Consumer complaint received 2022-03-24
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. (FL)

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went into my local Bank of America ( XXXX XXXX  XXXX XXXX XXXX, CA XXXX ) on Thursday XX/XX/2022. I have four accounts with the bank, but I have been having problems with them. Therefore, I wanted to close two of those accounts. I was referred to XXXX. First, her customer service was deplorable. But she closed three of the accounts I had with the bank even though I made it clear that I only wanted two accounts closed. When we moved the transaction to the counter I recognized that she had closed one too many accounts. To rectify the issue, she rang a bell to have someone assist her. She asked if she closed an account could it be reopened. I did not hear the response of the woman who was assisting her. XXXX responded by saying that my funds we be deposited into my main checking account - an account that she closed. ( I would like to point out that if she had shown some interest in me as a customer and spoken with me she would have avoided closing an account that I did not want her to close. This is why customer service is so very important. ) When I got home I noticed that the account that she deposited the money in was closed. I had a slip that informed me that the funds from the other two accounts were deposited into this closed account. The following day, I came back to the bank ( another day off of work ) to speak with XXXX, the bank XXXX. Because I had wrote a negative survey of my experience he was aware of my situation. He kept on apologizing - something that I felt was marketed and insincere. So, I told him that I would prefer that he save his apologies and stop giving me the XXXX treatment. I had issues with my treatment in this bank before. It just seems that I cant get appropriate service, and yet, each time I am the victim of mishaps on the part of this bank. 
Though my issue has been resolved, the misappropriation of my funds was brazen. I went time without access to my funds because either she purposely did so, or she was not properly trained to handle other people 's funds. In any event, i was the one who suffered. I was not amused by her disregard for my funds, but if she could do this to mine, what do you think she would do to other 's? I had someone from the district office call me to say that it was not misappropriation because XXXX did not use it for personal gain. My understanding of misappropriation helps me to understand that ANY inappropriate use of funds that I did not intend it for is defined as misappropriation. XXXX knowingly moved my funds into a closed account. This is misappropriation. I would like the CFPB to post this inappropriate act. If it is within the jurisdiction of the CFPB I would like this matter addressed and put up for disciplinary action on the part of XXXX and the bank branch itself. The bank branch failed to do anything but racially insult me ( an issue for another govermnt agency ).
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates has failed to verify a debt in a response letter ( letter is attached ). It is alleged that I owe {$650.00} to XXXX XXXX. I don't owe {$650.00} to XXXX XXXX and Portfolio Recovery Associates has failed to verify/prove this claim. They sent some generic " validation '' letter but they didn't verify ANYTHING. They don't have any supporting documents, signatures, etc from XXXX XXXX. They bought a debt for pennies on the dollar from XXXX XXXX and is now attempting to make a profit.
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I refinanced my vehicle with capital one auto finance XX/XX/XXXX. My original purchase was joint with my spouse in XXXX. I refinanced solely alone however, capital one auto finance still has my spouse listed on the title as joint. I've phoned capital one since XX/XX/XXXX, spoke with more than XXXX reps. XX/XX/XXXX I was informed to ask for XXXX reps in resolution dept for a specialist. I spoke with XXXX XXXX id # EIT ) XX/XX/XXXX who says he'll take care of problem and aware of all my attempts to resolve the issue. I have really called more than XXXX times without resolution. Capital one neglect to correct my title so I may be able to sell/trade my vehicle. This is capital one auto error. I shouldn't have to send them my only title. Why aren't they able to assist with XXXX providing correct title. The non XXXX reps doesn't understand and very rude. They aren't able to assist. Capital one auto should be able to obtain their own title from XXXX. This is a huge inconvenience in my life. Please make, yes, make capital one auto finance provide correct title in my name alone. Thank you so much!
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have filed a complaint against EQuifax and XXXX on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under XXXX compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQuifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.
Consumer complaint received 2023-07-18
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: ALLY FINANCIAL INC. (GA)

I reviewed my consumer report and found in accurate reporting regarding account Ally Financial ( ALLYFINCL ) beginning with account # XXXX. According to 15 U.S. Code 1681e whenever a consumer reporting agency it shall follow reasonable procedure 's to assure accuracy of the information concerning the individual about whom the report relates. There are discrepancies across all three reporting agencies as shown on the attached screen shot, so therefore I would like this account removed from my reports. These inaccuracies are affecting my credit worthiness.
Consumer complaint received 2017-08-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CENDERA FUNDING, INC. (TX)

Applied with a VA mortgage with XXXX XXXX XXXX, XXXX XXXX was our agent. We supplied ALL information that was needed, received a preapproval for {$220000.00}. After being into the process XXXX and half days, with closing being on the XXXX of XXXX, he stated that my husband needed to return back to XXXX MO in order for our loan to be secured due to underwriting stating that he must have full time employment. This was untrue after we contacted our local VA our of XXXX Texas. Because my husband receives XXXX and retirement, we where more than secure for the loan. This lender did n't know their VA rules and updates! My husband had job offers available to him, here in the state of Texas, but due to XXXX, XXXX XXXX, he was unable to meet those obligations and returned to the prior police department, which put a hardship on our family, only for XXXX to not supply us the loan being XXXX and half days into the process. We feel we have been lied to and discriminated against!
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I sent out certified copy of my complaint to resend the contract to the CEO of the lending company on XX/XX/2022. I declared there was a problem, with the contract that was given to me the car lot that was associated with the loan that was given to me has officially closed down. There was a lot of fraudulent acts within that contract, and I reset out certified copies of a complaint again on Thursday XX/XX/2022 to the CFO and see COO of the loan company. I am expecting some type of mediation and the return of all the money that I had put into the loan return to me.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXXXXXX XXXX  # XXXX pursuant to U.S.C Title 15 1681c. 

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX XXXX XXXX  is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Consumer complaint received 2022-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : TOYOTA MOTOR CREDIT XXXXXXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 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 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 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 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2022-03-24
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.