davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
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. (FL)

I sent a document to Experian showing that negative items XXXX  on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report. 
This is my 2nd report to CFPB. The last one is now closed by CFPB complaint # XXXX and is not resolved. Experian stated back in XXXX that this was removed from my credit report but it has not. In my feedback, I stated it still was not removed and as of XX/XX/2020 this still remains.
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

In about XX/XX/2018 a few weeks after giving birth to my XXXX  child I went to XXXX XXXX  to get a car. I was looking for a truly affordable option for my family so that I could get around town and after unpaid maternity leave get back to work. I had a down payment of {$1500.00} and decent credit. While working with the salesman and the loan officer I didnt feel listened to in terms of what payments I could afford and the price continued to grow and the interest rate was insane. I was advised to pay in time for a year which I have done so over a year now and then refi. I am unable to do so with my current lender Santander consumer USA and my bank is asking for me to put over 4-5k down in order to have the option to refi. I am currently underwater on this car and have no way to get out of the loan and the payments be have become unbearable with my current daycare costs. At this point I feel like I have no options and I feel like I was locked into a deambular that instead of helping me to help my family is hurting us.
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (AZ)

This company continues to apply payments incorrectly after asking them to apply to principle. They make it very complicated on all matters. I have set up payment arrangements and they refuse to adjust if needed. They offer for you to speak to one person " the account manager " who is never there. If you inform them it's not a fair practice, they leave you on hold continuously as punishment. Recently on XX/XX/XXXX and XX/XX/XXXX they refused to allow me to change my payment amount. This company reports you to the better business bureau incorrectly. If you review other customers online we all complain about the same issues. Their practices are not regulated therefore they could care less about the customer. A consumer lawsuit is on the horizon due to all of their unethical practices as a company.
Consumer complaint received 2023-07-06
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. (TX)

I accidentaelly uploaded my friends information to my previous complaint as I am using a work computer, there is other peoples information here because this is our HR department.I am reuploading my information to try and correct the problem. I ask that you look into my issue of identity theft, the accounts and misinformation of there do not belong to me. 
XXXX XXXX  - {$18000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$6700.00} XXXX  XXXX XXXX- XXXX
Consumer complaint received 2019-04-27
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. (MA)

I applied for a XXXX account and XXXX reported on an account that I never had and reported me as owing XXXX result and reported this to Experian, XXXX I do not have any accounts with XXXX at this time.
Consumer complaint received 2020-06-07
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. (FL)

Experian, XXXX  and XXXX  have been persistently displaying mischievous and malicious information on my credit profile for a long time hence damaging my credit worthiness. I do not have a serious delinquency record and this is persistently being reported to both soft and hard inquiry lenders. This is truly damaging my credit status and reliability as a good credit customer. I am faithfully paying all my bills and not behind but these three agencies are frivolously reporting malicious delinquency data to prospective lenders thus providing a very negative reflection of my credit worthiness. I strongly recommend to order these agencies to remove frivolous and incorrect information data from their data for the love of Fair Credit Reporting and restore my rights under constitution.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-20
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: Rent Recovery Solutions (AZ)

I first made initial contact with Rent Recovery Solutions on XX/XX/2023, where I clearly stated the validity of this debt and the inaccuracies reported to the credit reporting agencies. Upon checking my credit report on XX/XX/2023, nothing has changed, and I have not been contacted to remedy this situation. 

In accordance with 15 U.S. Code 1681s2 ( A ) ( B ) : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Rent Recovery Solutions also acted as the original creditor in this debt collection practice, knowing that the account I have with the true original creditor has a {$0.00} balance ( see attachment ). Therefore, by law, this debt collection process is against the law, as referenced by 15 U.S. Code 1692j ( a ) ( b ) : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such a consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when, in fact, such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

According to the FDCPA " No Parking Rule, '' they're in violation because no contact verbally, physically, or virtually was made with me ( consumer ) prior to reporting this collection account on my credit report, and they can expect law enforcement scrutiny.

This goes against the law that upholds debt collection practices, and I request the immediate removal of this inaccurate collection, Rent Recovery Solutions, from all reporting agencies.
Consumer complaint received 2022-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I spoke with the debt collector four times asking them to validate the debt and I also informed the debt collector that I am not responsible for the debt. I sent in all required documentation however they have not yet reached back out to me after I sent the documentation in which was in XXXX of 2021. I am now wanting the original creditor as well as the debt collector to seize all collections of debt. According to the FCRA they are required to complete investigation and validate within 30 days in which they are in violation of.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ONLINE Information Services, Inc. (NJ)

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HW Holding, Inc (NJ)

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2023-07-27
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. (GA)

these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

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 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 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 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 Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-04-03
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac
curate.
Consumer complaint received 2023-07-27
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. (IL)

On XX/XX/XXXX, i contacted Trans Union concerning items on my credit report from the following companies with partial account numbers : XXXX XXXX XXXX  : Acct # : XXXX & XXXX XXXX XXXX XXXX XXXX : Acct # : XXXX XXXX XXXX XXXX : Act # : XXXX With Trans Union NOT reporting the " ENTIRE '' account #, they're NOT reporting 100 % accurate information required by section 609 of the Fair Credit Reporting Act. And for this cause, this is HIGHLY damaging to my credit score. I submitted a certified letter concerning this matter also a letter asking them to provide the name, address and telephone number of each person they contacted regarding these account. I requested any documentation bearing my signature, they fail to submit that information to me. I reminded Trans Union that as in Wenger v. Trans Union Corp, No 95-6445 ( C.D. Cal. Nov. 14, 1995, they may be liable for their willful non-compliance. Also with my having a credit freeze on my credit report, I DID NOT authorize XXXX XXXX on XX/XX/XXXX & XXXX XXXX on XXXX XXXX, XXXX, to make a inquiry on my credit file without my knowledge. I requested from Trans Union to remove these inquiries immediately because it's making it very difficult for me to acquire credit, especially being a victim of identity fraud. I submitted to Trans Union via certified mail a letter from the WisDOT-Division of Motor Vehicle for verification.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (GA)

On XX/XX/2020 I XXXX XXXX called Upgrade, Inc. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me 30 days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX
Consumer complaint received 2020-06-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

On XX/XX/XXXX I had my account Debited {$4600.00} from XXXX after losing wallet. The PIN number was in the wallet due to being a brand new card issued to a new account holder. I had received a call from XXXX stating they had found the wallet. Picked it up and thought everything was ok. Fast Forward 3 weeks. I had looked back into statements as I do from month to month. I then seen the purchase and called as soon as I had seen into capital ones fraud department to file a claim. I explained how this had not been seen until now and that the card was still being used since XXXX contacted about a found wallet. I had no clue. My I initial thought of a lump sum was perfect my wife transferred the money to our savings. The department spoke with my wife in an attack mode of claiming she was lying. Stating her story didnt add up because she didnt state XXXX called her. Claim was then DENIED. {$4600.00} poof gone. I was told if I contact police get report and contact XXXX and also add report that they can relook and issue. That day, I had done both. Everything I can and was told by the police and XXXX that they have whatever bank needs to prove the situation. I was told that they cant do more then make sure it was not an employee which it wasnt and that my bank has to claim under there insurance. I then called my bank capital one back to find out they dont care about any physical nor visual proof I have nor any reporting I had made. They had said that there conversation with my wife is proof to fully deny and not reopen. I have physical and visual proof as well as reports with all partys. Capital ones response ... ... who cares your denied!!! Dont call back because we wont listen. So now {$4600.00} gone from my acct and too bad for me I have to deal with fraud and theft with proof. I want my money back ... ....
Consumer complaint received 2019-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

AES/PHEAA - Last year, I was paying this student loan servicer over {$500.00} a month and had been for over 5 years. When I went to apply for a mortgage, my credit report showed that this company had put my account into collections. At that time, I paid off the account ( about $ 80K ) and requested documentation that showed how AES/PHEAA determined the account was a collection when I was paying on it for so many years. 

After much back and forth AES/PHEAA said they would take this account ( Account # XXXX ) off my credit, please attached document. However, it has been almost 5 months and this account is still is on XXXX and XXXX. They removed it from XXXX  only.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

NOTE : This is not a duplicate complaint. 

This is a complaint for violations of the FCRA. Specifically the violations of the following section ( s ) of the FCRA Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

On XX/XX/XXXX NAVIENT granted a retroactive forbearance on my federal consolidation loan ( s ) effective from XX/XX/XXXX to XX/XX/XXXX. Prior to granting the retroactive forbearance they reported my loan ( s ) as being late in XXXX, XXXX, and XXXX of XXXX by 90, 120, and 120 days respectively. After the retroactive forbearance was granted NAVIENT failed to fulfill its obligations under the FCRA to update the status of the loans with the CRAs. Further, NAVIENT continues to furnish inaccurate information to the CRAs regarding the status of my federal consolidation loans with them. Once the retroactive forbearance was granted payments were no longer due during the months being reported as late above. Under Section 623 ( a ) ( 2 ) of the FCRA Navient is required to update the CRAs with this new information as the old information is now inaccurate and requires updating. I have disputed this information numerous times and Navient refuses to correct this reporting error and comply with the FCRA rules. I have contacted Mr. XXXX XXXX at Navient and I have notified Navient that they are knowingly violating the FCRA and they refuse to correct the issue.
Consumer complaint received 2018-09-18
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: Experian Information Solutions Inc. (NJ)

On approximately XX/XX/2018, I received a billing statement from XXXX XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in XXXX XXXX I do not live nor have I ever visited XXXX XXXX XXXX They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on Experian, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.