davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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 entered into a written settlement agreement with XXXX and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that XXXX " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''. 

XXXX is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with XXXX XXXX  XXXX is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then XXXX should have disclosed the following language in the settlement agreement : " You confirm your understanding that the XXXXredit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

Portfolio Recovery Debt Amount : {$550.00}
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (MD)

On the night of XX/XX/2021 Navy Federal sent XXXX XXXX XXXX ( Tow Truck company ) to commit Grand Theft Auto at my private domicile. Unaware of what was taking place on that rainy night my tribe and myself were startled to the sounds of the assailant. Unaware of who the individual was or what was going on I for the protection and safety of my offspring domiciling within I did not intefer with what was raking place. This was after bankruptcy in a Global Pandemic after dehbilitating XXXX all of which Navy Federal was privy to and still decided to orchestrate such a heinous and egregious act against consumer/creditor and his offspring. 
According to congress financial institutions were warned because of this level of predatory behavior. It is a known fact that Banks can not loan money 12 USC 1431 ( b ) Navy Federal alleged that there was a debt owed; but 18 USC 8 makes it very clear that all " debts '' belong to the United States. Again the " alleged '' debt was discharged in the bankruptcy and Navy Federal was well aware of this. There was never a moment where they offered to assist and issue title at all. Instead they plotted and pirated on consumer/creditors tribe and offspring serious of unfortunate events. In additiion Navy Federal violated 12 USC 83. This repossesion affected work and our domicile duties causing a snowball effect we have yet to recover from. There was no repossesion notice furnished neither in the ordeal. Navy Federal never offerd me the Right of Recession in 15 USC 1635. Navy Federal violated the Fair Debt Collections Act, 15 USC 1692. The repossesion company never showed or issued any debt collection license. There was never any enforcable security interest under 15 USC 1692f ( XXXX ) ( A ). On the Promisary Note the Grantor a legal fiction is listed XXXX XXXX XXXX that is not consumer/creditor and is listed as the Guatuntor. NAVY FEDERAL is a corporation and can not sign and did not sign which is a violation of contract law. Equal value was supposed to presented to the agreemnet in which it was not. Consumer/Creditor Secured Crditor/ Beneficiary was taken advantage of. Upon original financing conveyance was paid upon the signature of Consumer/Creditor.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (TN)

I used chime to pay for a business transaction the persons name is XXXX XXXX that I paid for business product the money went to someone that I do not know. When I alerted chime my claim was denied. I sent proof of the Id of the merchant as well as a police report that I filed. Then when asked for the companies legal address to file a lawsuit they told me they were not able to give me that. I have been clearly scanned and fraud has occurred. They told me the money went to someone elses name not the name of the person Of the merchant I was dealing with
Consumer complaint received 2023-07-18
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. (CA)

I have sent multiple dispute letters to XXXX Equifax and XXXX. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete the below illegal accounts from my experian, XXXX, XXXX credit reports XXXX XXXX- 30 day late payment Bank XXXX XXXX account # XXXX
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: Experian Information Solutions Inc. (CA)

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) -XXXX XXXX # XXXX -XXXX Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX states I have a right to privacy XXXX XXXX XXXX XXXX XXXX  XXXX states consumer reporting agency can not furnish an account without my written instruction and/or consent.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXXXXXX XXXX, Account # XXXX 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 2019-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I have scheduled a payment to be made from my account on XX/XX/XXXX, but Portfolio Recovery continues to call me about collecting this payment. They use various numbers when calling : XXXX, XXXX, and XXXX in addition to the one I listed previously. 

I have a letter from this company stating the payment will go through XX/XX/XXXX, but they apparently don't relay that information to other departments. I am tired of these calls, and no longer answer when they call. These calls came on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX, consumer and natural person am writing to notify you to stop all illegal and/or negative activities in association with but not limited to : my credit card, my name, and my vehicle. It has come to my attention that WELLS FARGO has violated me the consumer who is protected by federal and state law, by using my credit card without authorization illegally and producing a false promissory note with a forged signature. I WAS NEVER PRESENT AT XXXX XXXX ON XX/XX/XXXX TO SIGN THE CONTRACT THAT WELLS FARGO PROVIDED TO ME, NOR DID I GIVE CONSENT TO ENTER INTO THAT CONTRACT, AND THE SIGNATURE ON THE CONTRACT THAT WELLS FARGO SENT TO ME BY EMAIL IS AN ELECTRONICALLY FORGED SIGNATURE THAT WAS PLACED BY THE FINANCING MANAGER OR AN AGENT OF XXXX XXXX. I am disputing this alleged debt. 
I entered into a consumer credit transaction on XX/XX/XXXX for the purchase of a XXXX XXXX XXXX it was paid for and I owe no debt. However, on XX/XX/XXXX, WELLS FARGO violated my consumer rights by engaging in an unauthorized use of my credit card to obtain financing for a vehicle that I had already purchased when I entered into a consumer credit transaction on XX/XX/XXXX. I was not aware, nor given any notification of this transaction beforehand. 15 U.S. Code 1644 ( p ) defines The term unauthorized use, as a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
WELLS FARGO fraudulently used my credit card to produce a promissory note on XX/XX/XXXX, without authorization, which is evidenced by a statement that I received from Wells Fargo and the contract that I was sent via email of an alleged debt that is owed which is unequitable to me as a consumer. As a result, WELLS FARGO has violated 15 U.S. Code 1644 ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce 15 U.S. Code 1644 ( c ) Use of interstate commerce to sell or transport card. 
15 U.S. Code 1644 ( f ) Furnishing of money, etc., through use of card I, XXXX XXXX, a consumer am also protected by Florida state laws which were violated by Wells Fargo XXXX. WELLS FARGO originated a loan under my name on XX/XX/XXXX without my authorization which is violation of 817.54, Fla. Stat. ( 2016 ) by obtaining a promissory note by false representation 817.645, Fla. Stat. ( 2018 ) Alteration of credit card invoice, when WELLS FARGO furnished a new contract ( please see attachment )
Consumer complaint received 2022-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

Loan application for HELOC applied for in XX/XX/2022. XXXX signed and funded on XX/XX/2022 at the XXXX XXXX branch office. Same day where I opened checking account and savings account with PNC Bank at the branch where I signed loan documents. Deposit accounts which were opened on XX/XX/2022 were closed on XXXX without clarification. Now PNC bank is wanting to change interest rate from XXXX to XXXX because they state an active PNC Bank account must be used for automatic ACH Payments. PNC bank will lend me hundreds of thousands dollars but will not allow me to maintain a checking or savings account where I can deposit the funds to have my payments automatically drafted from.
Consumer complaint received 2022-05-16
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: LEXISNEXIS (AZ)

On XX/XX/2019, XXXX XXXX XXXX laced my credit report with Lexis Nexis a false fraudulent entry. The cra fraud by Lexis Nexis & XXXX XXXX XXXX is a XX/XX/2019, my XXXX XXXX XXXX  claim against XXXX XXXX XXXX is on MY CREDIT REPORT and it does belong on my credit report. This XXXX ( XXXX XXXX was his insurance company ) XXXX XXXX XXXX  intentionally. 
Get this false entry off all my credit reports immediately FCRA.
Consumer complaint received 2019-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

Ive have tried calling Navient over the past year to work out a solution and I am only ever given the option to pay {$50.00} once and then back to the regular monthly payment which is over {$350.00}. I owe about {$29000.00} and my interest rate is extremely high, at 13.5 %. I have repeatedly asked to have a lower interest rate and monthly payment. Navient asks me the same question each time I call and give me no other options no matter how far my account goes past due. They refuse to offer any reasonable, long term solutions.
Consumer complaint received 2024-06-10
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: Fidelity National Information Services, Inc. (FNIS) (VA)

I have contested an account that is currently being inaccurately reported and formally requested verification, along with a detailed description of the procedure utilized to ensure the accuracy and completeness of the reported information. However, the response I received merely stated that the information has been verified, without providing any substantive details regarding the verification process. No information regarding the individuals contacted, such as their names, phone numbers, or addresses, was included in the response. This lack of transparency represents a direct violation of my rights. Consequently, I am compelled to pursue appropriate action to seek damages to the fullest extent permissible by law. I remain hopeful that we can resolve this matter amicably.
Consumer complaint received 2022-10-26
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. (SC)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. 
I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Consumer Finance, Inc. (CT)

I am writing to file a complaint against United Consumer Finance regarding their unfair and deceptive debt collection practices. United Consumer Finance has been blocking my account prior to it being 60 days late, preventing me from making any payments to clear a repossession note on my car. In particular, a representative named XXXX at United has refused to allow payments of any amount unless they are made in full, even when the car is only 30 days behind and can not legally be repossessed or charged additional fees. This action goes against the terms of the contract I signed with United, as there is no provision stating that payments must be made in full or that the account can be blocked in this manner. I believe this practice is unjust and violates my rights as a consumer. I urge you to investigate this matter and take appropriate action against United Consumer Finance to ensure that they comply with the law.
Consumer complaint received 2022-05-16
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)

In accordance with the fair credit reporting act public record XXXX XXXX XXXX  GA XXXX XXXX XXXX REF # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX  XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was in federal Prison when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-13
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 PXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX  XXXX sad help me please XXXX XXXX
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

Call for help XXXX XXXX XXXX, I was starting a separation/divorce from my now ex wife. She, a former XXXX of Wells Fargo, had taken the role of managing our finances including all bank accounts. I, myself, have had an individual checking account with Wells Fargo since XXXX. On this XXXX day I went to the Wells Fargo branch in XXXX, Georgia to simply open a new account. As I walked into the branch, I stated to the lady at the teller desk that I would like to see the manager. Without my permission, the manager, prior to even speaking to me, sent a message to my ex wife telling her I was at the bank. The manager then came up to me asking why I was there. Immediately she says I can sign and the account will be placed back in my name only. Previous to this date, I was instructed that in order for my ex wife to be removed from my original account, now joint, both parties would have to be present. Embarrassed and feeling upset by this treatment, I signed the documents presented by the manager and left. I have complained to upper management, wrote emails, but I was treated as a joke. I am in financial ruin as I now can prove my ex wife, along with others have funneled money through mulitiple accounts over a span so far of two years. This has been made difficult to prove actually as Wells Fargo bank, since my first request in XXXX XXXX continues to deny me access to my own bank statements. I feel that Wells Fargo has assisted in my financial ruin. Why cant I find anyone to take just a extra few minutes to look closer? Why have I been shut out and denied my rights to my own information? Anyone can see that I am being discriminated against and not treated as a costumer of any bank should. I pray you can help. At this point, I dont know what else I personally can do. As I sit now just days away from loosing my XXXX parents home, I wonder when will someone take just a small amount of thier time to offer a helping hand in solving this matter. sincerly XXXX XXXX
Consumer complaint received 2022-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.