davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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)

First, and Foremost, my Problem is not with The Creditors, it is with the XXXX  XXXX and Equifax Scores, and the fact that each and every week XXXX and Equifax keeps decreasing my Credit Score. On XX/XX/XXXX, I Leased a New XXXX XXXX XXXX, and at the same time Traded/Turned in a XXXX XXXX XXXX, which had 4 months remaining on that Lease and a balance. 
The XXXX Dealer accepted the XXXX, and sent a Full Payoff, which included the remaining 4 Months, to XXXX XXXX XXXX ( XXXX ), Account Number # XXXX, which they Posted as Paid in Full, and Account Closed on XX/XX/XXXX. 

XXXX/Equifax continues to Decrease my Credit Scores Each and Every Week for No Reason? I understand a One Time decrease for the Credit Inquiry on the New XXXX XXXX XXXX, and the Fact that I opened a New Loan/Lease? But, what gives XXXX  and Equifax a right to continue to decrease my scores weekly? 

To add to this I have made Payments to XXXX XXXX XXXX on the XXXX XXXX XXXX, and to XXXX XXXX which have not been recorded by XXXX or Equifax and Neither Company has not increased my Scores, neither Did XXXX/Equifax Increase my Scores for the Payoff from XXXX XXXX to XXXX XXXX XXXX of over {$2600.00}. XXXX, to Pay Off the XXXX XXXX XXXX.
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (CT)

I had an account with XXXX XXXX XXXX for which was paid based on my credit report. Not only did XXXX XXXX  Cash the check, forced my account to move over to XXXX XXXX XXXX, but now learned this same account now sits with Simm Associates. ( 3 credit collection agencies on one account ). 
I have contacted all three collection places and continuously bounced to around. In the final attempt, based on my attorney XXXX XXXX, I am reach out to you to resolve this matter. If nothing is done, we will move to file a complaint against all 3 collection agencies and move into the court system.
Consumer complaint received 2023-08-12
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: TD BANK US HOLDING COMPANY (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted credit application to many auto loan companies for hard inquiry on XX/XX/2023 and most of them rejected due to verification problem but TD AUTO finance approved {$140000.00} of auto loan without verification with me on XX/XX/XXXX. Then, the dealer released the car after a few days and the thief picked it up. 

I contacted the dealer for the details on XXXX XXXX and I discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 
I also contacted TD auto finance fraud department and reported the identity theft issue and they confirmed they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 

I filed the identify theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and TD Auto finance on XXXX XXXX, 2023. 
I filed a Police Report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX XXXX. 

Along with XXXX XXXX and TD Auto Finance, 5 more companies made hard inquiry on my credit due to this fraudulent deal on XX/XX/2023.
Consumer complaint received 2022-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MD)

I reached out to my loan company, Nelnet, to see if I could qualify to consolidate my FFEL loan into a direct loan so that I could qualify for PSLF. This would require removing my ex-husband, the co-maker, from the loan. 

I received an official letter from Nelnet on XXXX XXXX which began, " You are the owner of the above account which has a co-maker. If you consolidate, the co-maker of the account will be removed. '' To that end, I would be able to remove my ex-husband, consolidate, and then qualify for the PSLF as I have made qualifying payments since XXXX, and have worked in public service since XXXX. 

I called Nelnet on XXXX XXXX to confirm what was written and begin proceedings, and the first person with whom I spoke said, " I don't think we do that '' and chuckled. I asked if he could kindly confirm yes or no, and noted something to the effect of, " This is very important to me as I am a single parent to XXXX teens and I have already paid more than 80k of my 60k loan and have XXXX remaining payments, which means I may retire before completing my payments. '' After about an hour, I was transferred to a supervisor who finally came to the conclusion that I 'likely " have a spousal FFEL loan that does not qualify for consolidation. I checked my original loan paperwork -- which I still have filed -- and did not see anything written therein disqualifying me from consolidating. However, it is now all over then news that this type of loan is the exception to the PSLF waiver. 

I am very disappointed that Nelnet mislead me, and then half dismissed me when I called, only to keep me on the phone for an hour in their attempt to help me. They have taken so much from me, and have never tried to help.
Consumer complaint received 2022-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

These accounts I have noticed in my credit report should not be in there. I was not notified so I am filing this complaint for myself. As the original creditor, only I can validate this debt and I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (MN)

I was at the store on XXXX XXXX doing some shopping when it came time to check out i could not find my card so I went to use XXXX XXXX and my payment kept not going through so I pulled up My Money Network app and seen a {$1000.00} transaction sent out of my account to XXXX XXXXp so I ended up having to leave the store without my groceries felt like everyone was staring at me.so I then called my cards customer service right when I got into the car told them about the unauthorized transaction told them I locked my card had them cancel it and send a new one sent within 2 days next I called XXXX XXXX  to let them know of what had happened wasn't sure if I had to contact them or not.So then had to wait for papers to come in the mail to sign the dispute. on XXXX I received 2 envelopes from money network one held the dispute papers the other held a denied letter about my dispute due to me not doing the paperwork I got both papers on XXXX how does that work i dont say how long the mail takes to get to my house. IV been with these guys for years never any problems I was shocked the transaction wasn't denied and flagged since IV never sent that amount to anyone ever to me that is a none normal thing and should of been stopped and I should of been alerted for it iv appealed my dispute like 3 or 4 times still denied I sent them my XXXX statement for XXXX XXXX XXXXo prove it was not my account nor did I have any transactions like that I told them that someone has to of stole my card cause I couldn't find it to make my purchase and with the transfer transaction it's obvious some one had used it I also notified all 3 credit bureaus about the fraudulent transaction iv talked to money network on the phone many many times even asked to talk to a supervisor a few times just gets me no where I don't understand this I feel like this is there fault not mine why do I have to go through this headache.on money networks web site it says stay confident with XXXX XXXX  Zero Liability Policy* is our guarantee that you ( won't be held responsible for unauthorized charges made with your account or account information ). You're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. Iv seen there has been many diff lawsuits against money network for not crediting people 's accounts for unauthorized transactions and other similar things so please I beg you to help me get what I'm owed by money network it's just not fair or right.
Consumer complaint received 2022-12-04
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX-XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I received over XXXX dollars into my capital one bank account and I filed a police report at the XXXX precinct in the XXXX on XX/XX/XXXX, for XXXX larceny report number XXXX my previous XXXX had been jailbroken, and my identity compromised. In XX/XX/XXXX I noticed fraud on my account on my Capital One 360 online bank statement and in XX/XX/XXXX I called to dispute some charges as I had not identified all of the charges that were fraudulent in XX/XX/XXXX. I called back on XX/XX/XXXX, spoke with the Customer protection department and notified them that I have fraud charges on my account. I spoke with a young man who took some of the charges and then a lady from the same department advised me that I needed to replace my cell phone because XXXX advised me that my phone had been compromised. So she stated that when I get a new phone to contact the bank because they were going to restrict online access and I would have to go to the closest branch to the bank. On XX/XX/XXXX I withdrew money from my account at the branch and was given a yellow sticky by the bank teller to call the number listed on the paper. I called Capital one 360 and they notified me that after reviewing the account that once the fraud charges are investigated my account would be closed because of suspicious activity and that the bank had the right to close my account for any reason. I have been a capital one customer for 6 years and when I called in XX/XX/XXXX the bank made no mention of closing my account until I called about fraud on my account. I am a XXXX veteran and I am XXXX I need my account to stay active until I receive my XXXX check on XX/XX/XXXX, because it will take Social Security time to change my direct deposit. I am still gathering as much proof as possible regarding the fraudulent charges because the Capital one Customer protection department ( XXXX ) XXXX gave me an email address to send additional documents and that she could not promise anything but they would review documents regarding them closing my account.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

They posted the negative remarks on my credit report I sent two letters to Phoenix Financial Service, LLC in hope they can validate this debt they claim I owe. I will provide the letters I sent along with certified mail tracking numbers. They have yet to respond and this account is hindering me from moving forward with my home buying process.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2022 TransUnion received a certified mail letter from me asking for proof of verification of collection items : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  By law, TransUnion had up to 15 days to reply with a complete list of all documents and correspondence that led them to verify the items, including all names and contact information of employees that they spoke to as part of their investigation. 

It has been over 30 days and I have still not received a response on this matter from them. However, they have not removed the items as required by law from my credit report. 

I implore the CFPB to force TransUnion to remove the erroneous collections from my credit report at once.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I see a charge XX/XX/XXXX XXXX airport that is not ours. 

XX/XX/XXXX, I sent package for guaranteed 3 day delivery for birthday gift and as of XX/XX/XXXX it has not arrived. 
I wish to get refund for {$2600.00} for services not rendered. I paid certified return receipt so hopefully not lost or stolen by " porch pirates ''
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (CA)

In XXXX Of 2020 I Was Diagnosed With XXXX, Which Led Me To Be Hospitalized & Also Unable To Make A Credit Card Payment With Navy Federal Credit Union XXXX I Requested Forgiveness And They Refused To Remove The Late Payment From My Credit Reports.
Consumer complaint received 2021-09-25
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. (FL)

I, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2022-02-21
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)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-02-21
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE ORREMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-21
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

I am filing a complaint against XXXX XXXX XXXX XXXX for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted XXXX  XXXX on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was Speedy Cash.com and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with Speedy Cash. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from Speedy Cash or XXXX  XXXX XXXX about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against XXXX XXXX as this negative reporting on my credit has created a serious financial impact.
Consumer complaint received 2022-02-21
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MO)

I was notified by someone in my household that LVNV Funding was attempting to serve me with paperwork for a debt. Immediately, I contacted a lawyer who was familiar with LVNV and their debt collection practices. He went to court and had the case dismissed without prejudice. The Original Creditor was XXXX XXXX XXXX, the recent creditor information is : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX I filed a dispute with XXXX and uploaded the dismissal document. My dispute didn't help. I contacted LVNV Funding directly and they also said they they couldn't help me. 

My lawyer told me to submit it to the credit reporting agencies which I did with the dispute and it hasn't been removed. Attached is how the debt is viewed on my credit report. The court dismissal document is provided as well.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$2800.00}