davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

For this account, I bear no responsibility. Even with this, I am not under any contract. I've already disputed this account, but you haven't shown any identification of me. Not mine, this. This can hurt my credit because it is false.
Consumer complaint received 2019-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to buy a used car from different dealers. They submitted the info to places they deal with for the loan. ALL of the places denied the loan. My credit numbers are as follows - XXXX XXXX - XXXX, XXXX XXXX, TransUnion XXXX XXXX, XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  - XXXX. 
There is something very wrong here. The numbers make NO sense, I don't know how or who arrived at these figures or how to fix what is wrong since I don't know where the problem actually is. I have been unable to work because I need a car to get to customers which I am unable to buy one. I am just about out of money and without a car I cant earn any.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hidden Oak Group, Inc. (OH)

I received a notice from XXXX XXXX XXXX saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX XXXX XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a PO Box . I clarified I did not maintain that PO Box . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my PO Box address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. XXXX.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (LA)

XXXX XXXXXXXX XXXX XXXX closed INQUIRIES Unknown/due to XXXX XXXXXXXX XXXXXXXX false pre-approvals and inaccurate in consistent data 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 2023-01-26
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. (LA)

Unknown XXXX XXXX XXXX closed INQUIRIES Unknown/due to XXXX XXXXXXXX XXXXXXXXEQUIFAX false pre-approvals and inaccurate in consistent data 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

It has been a battle with this bank since day one with their illegal fee charging! Even when we have money in the account to cover fees, they charge us overdraft fees!! They are stealing from their customers and it must stop!! I do not have the time or patience to go through the account for each THEFT so i am going to focus on this last one because I am done and will be switching banks!! 
We were charged an overdraft fee, they say, for a charge on XX/XX/23. THERE WAS MONEY IN THE ACCOUNT!!! Please see XXXX  report. After the last time I had to fight them to get the money back THEY STOLE FROM US and they refused to, I have been VERY CLOSELY monitoring the account and even closed the savings account as a first step to get rid of them. THEY HAVE NO RIGHT TO DO THIS TO THEIR CUSTOMERS!!! This bank should be shut down for all the illegal actions they take on innocent consumers!!!
Consumer complaint received 2019-01-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I disputed hard inquiries on my XXXX credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to Bank of America to remove the unauthorized inquiry. I then filed a CFPB complaint against XXXX  and Bank Of America on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX XXXX  replied to my CFPB complaint file # XXXX, I was informed through XXXX  reply to contact the furnisher of the inquiry. Which I did. 

( Bank Of America ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

Bank Of America did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, XXXX insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( Bank Of America ) giving me the run around back to XXXX that also did not investigate initially to see that Bank Of America can provide proof of consent according to FCRA laws.
Consumer complaint received 2022-08-28
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. (NV)

I am a victim of identity theft, so everyone knows, I am in the process of purchasing a home. As usual, private, XXXX, XXXX, individuals from dangerous lawbreaking organizations, are working behind the scene to cause delays and blockages. They want me in constant hardship. Their hateful ideology cause them to use the darkweb, darknet to covertly attack me. They abuse the entire IoT, and use other unorthodox practices to bring harm. Under the Fair Credit Reporting Act, people have a right to file a dispute with credit reporting companies to correct inaccuracies on their reports ; and have been disputing credit discrimination for years. I am dealing with a lot of retaliation from these XXXXminded criminals. They obsessively want me in a vulnerable situation. Having low credit scores will prevent me from obtaining housing, which will help these XXXX XXXX, RICO violators with their targeted, abusive goals. Criminals have sold my information on markets, illegally impersonated me, attacked my finances ( stole money out of my accounts ), attempted to open loans in my name and the list of abusive attacks has been going on for years as they disrespect and violate my human rights. It must STOP.
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

I have been making monthly payments for Plus loans for my daughter 's education. Between last month, XX/XX/2018 and the current month,XX/XX/XXXX, Navient placed all loans into deferment without my permission. 
My daughter is a married XXXX year old who recently went back to school for her XXXX XXXX. She is employed by a corporation that pays for her education. She has not taken any additional loans. 
I believe Navient is extremely predatory in servicing of student loans. Navient is able to find out that my daughter is taking a college class toward her XXXX XXXX, and have the ability to place loans into deferment without permission. Navient also placed my daughter 's Direct Loans into deferment as well. All automatic payments were cancelled by Navient without permission. 
Navient also changed my original repayment agreement without my permission. 

Thank you, XXXX XXXX
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Erin Capital Management, LLC (GA)

In XXXX my first year in college I got a credit card. I didnt use it properly resulting in a charge off ( {$3000.00} ). In XXXX I find out Im being garnished for {$9100.00}. I reached out to the company attempting to collect a debt Erin Capital Management LLC. I informed Erin Capital Management I could settle for {$3000.00}. However they refused my offer. I would like to pay the amount that I owe. If Erin Capital Management is  attempting to collect a debt they should at least be fair about their debt collection practices. They are garnishing 25 % of my wages. Im homeless!
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (GA)

SunTrust a few weeks past sent my wife a new card. She was inconvenienced and let in a bad situation because she couldn't get gas when she learned it was canceled. No text or email notification was sent. Now they sent her a new card and did the exact same thing. 

They have our email, text, phone information, any method of communication they need to reach us, but make no effort to assist and communicate. 

Then when I ask why the card was canceled they claimed a merchant compromised but would not provide any information about the merchant. 

Some things not right and the process need to be changed. My wife could have been at a restaurant when this happened.
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXXXXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXXXXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : XXXX XXXX XXXXXXXX secured cardXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2022-08-28
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX XXXX, and Experian is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX acc # XXXX
Consumer complaint received 2022-08-16
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n 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 XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-01-25
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. (NV)

this is in regards to previous complaint filed with cfpb # XXXX Transunion responded that XXXX had responded that the status is " transferred to another office '' and they sent me the copy of the report. However the status still states " 120 days late ''. There is no balance, it is not possible for {$0.00} to be currently 120 days late. 

Transunion did not update the payment status at all and only added comments in the remarks section stating that I dispute the info and that the creditor states account was transferred. This did not update the status. THEY NEED TO UPDATE THE PAYMENT STATUS which means changing the " 120 days late '' to " account transferred ''. 

And they need to remove the dispute remarks from the remarks. 

I have attached a page from my XXXX  report so that Transunion can see how the status is supposed to be reported. Transunion has been reporting incorrectly for years.
Consumer complaint received 2018-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I received a notification from XXXX XXXX that a hard inquiry was placed on my credit report. This was not a credit application initiated by me. On XX/XX/XXXX, I contacted XXXX XXXX customer service ; this bank apparently provides credit card services for more than 120 different entities. They have no application record for my social security number, my name, or address. They advised I needed to speak to the credit bureau Trans Union and they would have to start an investigation on their end. 
I contacted Trans Union on XX/XX/XXXX. They told me they can see the hard inquiry from XXXX, but the only way they would remove it is if a Letter of Deletion from the bank, as well as submitting a personal letter to them. 
I called the bank back - I spoke with XXXX ( ext XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX, as well as XXXX and XXXX on the Escalated Help Desk. Interesting to not, even with extensions and employee IDs, no one at XXXX is able to find any of the individuals I spoke with in Customer Service at XXXX nor the Fraud dept at XXXX. After many hours of speaking on the phone and getting passed from dept to dept and supervisor to supervisor - XXXX finally advised she would open an investigation, but that it could take several months for it to be resolved. 
Their response was we do not know how a hard inquiry from XXXX XXXX   appeared on your credit bureau, it's not our problem, you have to deal with the credit bureau to resolve this, we can not provide you with a letter of deletion because the credit bureau will need to know our internal application number, the credit bureau will need to know various pieces of XXXX XXXX 's internal information - and without an application number, they will not be able to provide this information to the Credit Bureau to remove the inquiry. I told them I found out from TransUnion that the address provided by XXXX to TransUnion that raised the hard inquiry was an address in Louisiana XXXX where I have never lived ). XXXX XXXX told me they can not look up account information by address. 

Below is the information from XXXX XXXX - XXXX/XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX/XXXX XXXX, FL XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX Institution Information XXXX/XXXX  XXXX XXXX XXXX XXXX, FL XXXX In trying to raise a dispute with TransUnion, I also found the following that info that was provided to TransUnion by XXXX XXXX  : INQUIRY ANALYSIS The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
XXXX via XXXX Requested On : XX/XX/XXXX Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone Number not available
Consumer complaint received 2019-01-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have sent dispute letters to the credit bureau and the creditor : PORTFOLIO RECOVERY ASSOCIATES, LLC about inaccurate information on my credit report and I would like it deleted. They sent a letter back to me on XX/XX/2019 attempting to verify the account but information is still inaccurate and not my account. This was opened fraudulently.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020 I sent XXXX XXXX ( on XXXX named XXXX XXXX ) {$30.00} for a ticket to a stand-up show. After confirming the payment to her, she requested another {$10.00} for a transfer fee which I said I shouldnt be paying. After that she blocked herself from the conversation. Communication is attached.