davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have NEW information in regards to a previous complaint. EXPERIAN continues to break the law and violate my rights as a federally protected consumer under 15 USC Chapter 41. EXPERIAN furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a XXXX Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. I have called many many times and all I am being told either it's still in investigation or that they can file a another dispute. My Affidavit of Truth I sent continues to be ignored. Under the laws of Commerce, an un-rebutted Affidavit of Truth stands as truth and EXPERIAN is liable to compensate me. Moreover, every employee I talked with over the phone claimed they were educated in the FCRA, yet is not one is familiar with 15 USC 1681B ( a ) ( 2 ). They continued to deny that they have the ability to furnish anything on a report. It states explicitly in the law, " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I am not making this up. This comes straight from the law. EXPERIAN, violated my rights by furnishing this fraudulent account without my written consent. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. AND pursuant to 15 USC 1681c-2, they had XXXX business days to take it off ... yet here we are about to be 30 days later. I have been sent multiple emails, against stating that they decline " my request to block the information '' I claimed identity theft for. ( proof attached ). I was just recently sent an email on XX/XX/2022 with another computer generated response that didn't make sense to my situation and it addressed a name that WASN'T EVEN MY NAME. As I also stated in my previous complaint, the FCRA further states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. EXPERIAN is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). I have done everything I needed to do and I hope by sending in this second complaint with more evidence, the CFPB will hold EXPERIAN accountable for violating my rights that have caused me much XXXX, XXXX, XXXX  XXXX  XXXX  distress.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've sent multiple certified debt validation letters to this company CAPITAL ONE and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

I've attached the most recent certified letter that was sent to this debt collection company.
Consumer complaint received 2018-10-30
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: REGIONS FINANCIAL CORPORATION (FL)

I went to use my Visa debit card on XX/XX/2018 at my local hardware store. My card was declined. I then went home, logged onto my banks website and noticed purchases on my account that I did not make. I called the bank, they informed me that suspicious activity on my account hat caused them to freeze my account, that I needed to go to a local branch office to open a dispute. I then went to the bank, open a dispute, but I had to wait until all of the charges cleared my account, all the while incurring over draft charges because I transferred all of the money out of the account as to not incur further illegal purchases. The bank sent me a letter in the mail saying that they had investigated my claim and fount that all of the questionable charges that that caused them to freeze my account were authorized transactions. They were not. So I went back to a local branch and had the open the dispute back up and to investigate again. A week later I received another letter stating that my second dispute had been declined because they had found that one of the charges was actually mine. I told them about that particular charge being mine from the very beginning. So thus far they have refused to credit my account back with these charges or the over draft fees that I was charged during this period. This is a business account that I have had with Regions bank for twenty years. This is unacceptable. They do not answer their help line phone number.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account XXXX says I have 2 missed payments on my credit report. I have disputed this with the credit bereau and it still remains. I have spoke to the manager at XXXX and he says he do not see any late payments in his system and dont know why it's on my credit report. He is the one that said I should file a dispute and he explained the false report would be removed. After investigation it still remains.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (OH)

My wife and I received XXXX XXXX credit cards ( with Barclays bank ) that we didn't apply for. Many years ago we had an XXXX XXXX credit card through XXXX XXXX but it was closed a long time ago ( many years ). My wife called Barclays and they informed her that XXXX sent Barclays our information. We did not receive any notifications from XXXX that our personal information ( tied to a closed account ) was transferred to another bank, nor did we approve it. The credit card account was opened without our consent or knowledge. 
I called XXXX bank to inquire why our personal information ( names, XXXX, address, ... ) was shared with another bank and the account was opened without our knowledge, the banks employees I spoke with ( XXXX with customer service and XXXX with the fraud department ) couldn't provide an answer and were not able to help. The phone call with XXXX took place on XX/XX/2022 at XXXX XXXX until XXXX XXXX when it got disconnected by XXXX. 
Not only these banks opened an unsolicited account, they went as far as collecting our updated personal information ( such as my changed first name and new home address ). 
What XXXX and/or Barclays did is fraudulent and needs to be addressed accordingly by the authorities to stop this from happening again.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc. (CA)

I called the company and explained to them I had no knowledge of the account. They asked me to verify my information, they confirmed they didnt have the correct information so I blindly gave them my correct information in hopes of clearing all confusion then they attached it to my credit. They then began to report on my credit a different amount that they previously told me in our first conversation and went as far as reporting I made over 10 payments in the last year which is untrue. I havent had any contact with this company since our initial conversation almost 3 years ago now and Ive never made a payment or agreed to settle the debt with this company.
Consumer complaint received 2018-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Navient is practicing predatory lending with my private school loans which are over 120,000 in debts that continue to grow even though I make payments. These loans are designed so that I can never pay them off. They have created an undue hardship on myself and my family. I have had these loans over ten years and the balance is greater today than when I first took them out. I will never get them paid off at this rate. This is against the law and I want Navient to forgive this debt to avoid a lawsuit.
Consumer complaint received 2024-02-07
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. (IN)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (FL)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX- {$4400.00}
Consumer complaint received 2018-10-30
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: Diversified Consultants, Inc. (CA)

I sent this company my first dispute on XX/XX/2018. This letter had a conditional endorsement notification as required by law to inform the other party of impending cheque to be sent. I fulfilled my end by sending in my cheque and a brief notification to support my intention on XX/XX/2018. 
To my surprise, despite all my effort to notify this company, it still exercised unfair business practices as they went ahead and cashed the cheque and not deleting what we had agreed to be deleted. Furthermore, this company Violated the California Credit Reporting Act by Missing Dispute Comment- They even failed to mark the account as disputed by client. 
My case is already with my attorney. Attached here with are 1. My first letter to the company- my conditional endorsement.

2. My cashed cheque 3. The back of my cashed cheque 4. My small claims form 5. My credit file proof of not marking account as disputed by client 6. My proof of mailing of the cheque
Consumer complaint received 2018-10-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (IL)

Received a notice from Coast Professional , Inc. about an alleged student loan debt I owe but this is a hand-me-down dunning notice from a previously disputed debt by another debt collection agency and the school, University of XXXX. The school was previously paid for credits obtained but refused to turn over my transcripts for credits earned so they're essentially holding my credits / degree hostage for classes I didn't take and although I've withdrew from my classes in time, they still charged me and referred my account for collections which is not fair. This has been ongoing for more than ten years,
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX, 2021 {$420.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (OH)

I took out a money lion {$500.00} loan in which they force you to be a money lion plus member which takes XXXX out of each pay check and puts that into an investment account. Once you have paid the loan off you are able to cancel the money lion plus account and decide what you want to do with your investment account. I paid the money lion loan off in XXXX, canceled my plus account, liquidated my investment account and they were going to deposit the proceeds from it in my XXXX XXXX account. The sum of $ XXXX. The issue is I have now called them 3 times to figure out where my funds have went. They claim to have sent the payment via ACH on XX/XX/XXXX and say it should be deposited. I have verified the bank account number they sent it to as well as the routing number the last 2 times I called which includes today. They state they don't know where they money is now. They need to deposit my money immediately.
Consumer complaint received 2018-10-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

While refinancing my loan back in XX/XX/2016, I had a long conversation with PennyMac Loan officer XXXX, regarding my PMI while refinancing, I asked when it would fall off, how it works and everything like that. A year later while talking with PennyMac they stated that my PMI is for the life of the loan. This is NOT what I was told from XXXX XXXX Loan officer # XXXX, we had a conversation specifically about the PMI. I would have never signed this knowing that when we had verbal over the phone communication regarding this. I have since complained to PennyMac and have gotten nowhere. They're actually the ones that referred me here to make a complaint. Customer service can't help me on their end, neither can managers of loan officers or managers of service. I am getting no where and was given misleading information, basically flat out lies. Please help me resolve my issue. Please pull the phone calls, I have asked PennyMac multiple times and they wont
Consumer complaint received 2018-10-30
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. (AZ)

My XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This letter is in response a letter dated XX/XX/2018 from XXXX XXXX   XXXX, XXXX claiming I owe them {$700.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXXXXXX, XXXX this amount.
Consumer complaint received 2023-03-20
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were listed in my file without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-29
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. (VA)

Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # XXXX
Consumer complaint received 2023-03-20
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. (TX)

XXXX will not remove collection XXXX XXXX account that is being reported in accurately on my credit report is that conducting proper investigation as required by the Fair Credit Reporting Act. THIS SAME EXACT XXXX XXXXXXXX XXXX WAS REMOVED BY XXXX THROUGH THEIR PROPER INVESTIGATION FROM MY CREDIT FILE.
Consumer complaint received 2022-07-11
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. (CT)

To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 
I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Equifax who verified the dispute with the original creditor You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX XXXX  XXXX
Consumer complaint received 2018-10-30
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: CITIBANK, N.A. (NV)

I have lodged disputes with Best Buy/CBNA, Citicards/CBNA and XXXX XXXX/XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with XXXX XXXX XXXX.