davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service (GA)

In XXXX, I received a call from an unknown collection agency stating they were a collector for AAFES/XXXX XXXX. I was unclear who they were as I never received a correspondence from them nor AAFES about any debt. The representative on the phone had a very intimidating and condescending tone and threatened to garnish my wages if I did not make a payment that moment - insisting they have permission to collect payments even if it was an over payment. It was my responsibility to call them for a refund. 

My next pay check amount was nearly 100 % garnished. I had still never received any written correspondence from either the collection company or AAFES. I also did not receive a pay amount or any correspondence sent to my home. 

Letters were sent to my chain of command multiple times - that I did not even receive until after the payments were garnished from my paycheck. This means my whole entire command knew of a debt before I knew and BEFORE I could even verify it was valid. I was verbally accused I was not managing my finances from my superior after the letter was handed to me. 

Even while the payments were being garnished, I received a minimum of 10 calls per day until I was afraid to answer calls from an unknown number. I was also afraid to make any necessary purchases - not knowing how much money would be in my paycheck even if the alleged debt was paid. As it was stated before, it was my responsibility to wait for the collector to call me back and request a refund, then wait for a check to be sent to me. 

Additionally, my recent knowledge AAFES ' class action lawsuit in XXXX, gave me the courage to speak up about the injustice I faced as a military service member. I believe I was subjected to illegal collection practices from AAFES 's use of administrative offset - a procedure whereby federal payments, such as social security, veterans ' benefits, and tax refunds are withheld to collect debt.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I charged purchased with my Walmart card on line and in store back in XX/XX/XXXX I returned everything on beginning of XX/XX/XXXX today I received my billing statement I see that there is over {$60.00} balance I look at my statement I see no return of {$29.00} {$150.00} on my account and that was month ago I dont understand why I ecumulate balance when I had a zero balance before make a purchase and after I returned everything doesnt make any sense other than this is a new fraud way fior banks credit cards to make extra money and they know most customers either dont have the time or dont pay attention or just to scared of if they fight it the credit card company will reack their credit file so they just pay it. 
But I am different and when I see wrong doing I will go after them and wont allow them to cheat me.
Consumer complaint received 2023-08-02
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

They gave me paperwork to fill out and send back for a temporary forbearance. Which I did. Didn't hear or recieve anything from them for a few months. Then recieve a notice from IRS two months ago ( XX/XX/2018 ) saying they put a offset on my tax return, for failing to make payments. My accountant and the IRS told me to call and work out a earnings based payment plan. I have called Navient seven times since. Today included. Navient staff tells me, that my loan is in default and not assigned to collection agency, so nothing they can do. To call back next week. I am holding off filing my taxes. Lest, my husband have his return taken by these crooks. I obtained this loan prior to our marriage, but my state recognizes it as community property/debt.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing in response to your current evaluation. I have to pursue my efforts to resolve this matter which requires intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and update this account : XXXX XXXX Balance : {$71000.00}. Please send me the names and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid of or update the items and maintain your help in attempting to resolve the current issue.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 
Please REMOVE fraud alert 48 hours AFTER initiation.

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Consumer complaint received 2019-02-09
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. (CA)

This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus XXXX, and Transunion have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to XXXX on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from XXXX  stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as XXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that XXXX is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed US BKPT CT CA XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification
Consumer complaint received 2019-02-09
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. (NJ)

I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was XXXX XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a Experian representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX  and XXXX  and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Consumer complaint received 2019-02-07
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. (MS)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** 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 2020-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AIH Receivables Management Inc. (MO)

Asked the company on XXXX and XXXX for a list of debts in writing, stating I never got a letter even saying I was going to collections. They refused saying " we just don't do that ''. Also asked me to borrow money from my parents and then tried to claim my tax return even though it isn't filed yet. I also asked for receipt of payment and was also refused, saying they only confirm a debt has been closed. Also asked to write a check and they refused to give me information to do so.
Consumer complaint received 2020-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IN)

On, XX/XX/2020 at approximately XXXX XXXX, I contacted Mr. Cooper, my current mortgage holder/servicer, by phone, to discuss a possible refinancing or home equity line to finance home repairs. I was asked about my employment and answered that my wife is self employed and I have an employer. The representative told me that currently, they are not underwriting self employed persons and so therefore only my income and credit information would be considered. 

I was asked for permission to pull my credit report, which I gave. I was not asked if it was okay to pull my wife 's credit report and the representative had just explained that she could not be considered with regard to this loan. Because we use credit monitoring services, we were immediately alerted to the fact that a hard credit inquiry had been made on my wife 's credit report. 

A hard inquiry is a 25 point hit to the credit score, and my wife has been working to rebuild her score and is judicious about things that would detract from it. 

We were told she could not and would not be considered in the loan review, so her credit information should not have been pulled. Furthermore, before initiating the credit inquiry, if they had asked me to provide my score, I could have provided it and they would have known it was below their threshold. So, for us, merely asking for information about the financing possibilities resulted in a credit denial and derogatory marks on our credit record for simply seeking information to make decisions with. 

This is a problem not only with the company 's practice in this instance, but also with the credit system. Seeking information to make good decisions with should not result in derogatory marks on credit. It's completely counterproductive to consumers getting information to penalize consumers for seeking the best credit terms available to them.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to Capital One on XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2019. I let a teller know that I was interested in opening a business line of credit. I was informed that XXXX XXXX would come assist me. Upon meeting XXXX, he refused to shake my hand. At his desk, he asked what he could help me with. I stated that I wanted information on how to open a business line of credit. He asked me " Do you even have a business? ". I said yes. He asked what paperwork do I have. As I went through my document holder, he snatched a paper out of it and said " Here it is ''. He then goes to his email and reads off to me I am not eligible for a business line of credit because I did not have an account with Capital One for 3 months with $ XXXX in it. He said this was a new policy. No paperwork was given. XXXX then tells me " I just don't want you to waste your time. '' I took his card and then left. 

I immediately went to a Capital One in another part of town and received assistance and opened a business account.
Consumer complaint received 2019-05-24
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: ERC (CA)

This company keeps trying to pin this debt on me! I keep disputing this debt every 3 months!! I call, they investigate and it gets removed from my credit report after they determine this is not my debt and then it comes right back on my credit report. Please make this stop!! I do not owe this company anything!!
Consumer complaint received 2019-05-24
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. (WA)

I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX XXXX XXXX but I know nothing about this debt and have never done business with them.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My name XXXX XXXX, I've been XXXX from the US Military since XX/XX/XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX  from the Military in XX/XX/XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I XXXX  in XX/XX/XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

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 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX/XXXX.