davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I received several letters in the mail XX/XX/2022 from a Credit Union stating that I had attempted to open several accounts with them, and another welcome letter containing a debit card. I did not attempt to open any accounts from anywhere. 

The account that managed to be opened was opened on XX/XX/2022. 

I found the Credit Unions website and called around until I got an employee who then flagged my account ( s ) as fraudulent. The employee said that I would be getting an affidavit in the mail from their fraud department that I would have to sign in order to close the account ( s ). 

It has been a month since that call, but have not seen the affidavit come in the mail. 

Today, I received a welcome packet from the same Credit Union for the same account number that the debit card came with, so I called again. 

The person I spoke to today assured me that any accounts associated with my name are flagged, so nothing can be opened or used, and that the affidavit is definitely on its way. We shall see.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pendrick Capital Partners (TX)

I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX XXXX because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Heartland Resolution Group, LLC (TX)

I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX Hospital because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.
Consumer complaint received 2017-11-11
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. (WA)

XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I was harassed into setting up a payment arrangement at the end of my statue of limitations.  Myself  as well as my co-signer s ( m y  XXXX   XXXX   XXXX  grandparents ) received multiple calls daily threatening to have us arrested and that their home was going to be taken away. The callers were verbally aggressive and very unprofessional. I received calls at my place of employment even after I asked them not to. My co-signers also asked to not receive calls but they were called anyway. I was also told that if I paid   XXXX   dollars and {$350.00} a month for a year that my cosigners would be released. I called after that year was up and was told that No one told me that and that it could not happen.I was forced into default because my payment was a day late. The next caller asked me why did n't I make a post dated payment, to which I responded that I asked but I was told that I could not.Not to mention the more I paid, the bigger my balance got.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (VA)

The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for Credit Acceptance. A significant number of Credit Acceptances most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. The joint complaint also alleges that Credit Acceptance substantially assists dealers in the deceptive sale of add-on products. The complaint further alleges that Credit Acceptance applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for Credit Acceptance. A significant number of Credit Acceptances most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. The joint complaint also alleges that Credit Acceptance substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

The CFPB closed my case # XXXX, but Equifax has not responded. 
Equifax only stated it has started an investigation and the CFPB closed the complaint. 
Equifax has not investigated nor has it responded to any specifics. 
Why has the CFPB concluded that the case is closed? 
Equifax is required to respond to my complaint with a re-investigation and report its findings to me, which it has not done. so, why has the CFPB closed the case with nothing from Equifax?
Consumer complaint received 2021-08-24
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: ERC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2019-08-05
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)

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXXXXXX XXXX Never had this card or account XXXX XXXX Never had this card or account XXXX  XXXX / card Never had this card or account
Consumer complaint received 2017-11-11
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. (VA)

I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my XXXX XXXX and my security clearance remains at risk.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 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 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 inaccurate.
Consumer complaint received 2022-10-12
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. (GA)

I called TransUnion last week to complain about how they share my non-public information and tonight i go to my mailbox and in there is a letter that has " TransUnion LLC '' clearly displayed in the window of the letter but the the letter was opened with my consumer report in it. I did not tell them to send it. In this day and age if any fool sees a envelope with the name TransUnion on it they are going to open it. So TransUnion has again violated my privacy I have informed them to re-investigate and in turn they send me a copy of my consumer report with the words TransUnion LLC clearly displayed in the window of the envelope I have been injured and my report has been made not equitable to me.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experienced Fraud/identity theft involved personal information that was stolen/compromised on the web which resulted in fraudulently applying for and obtaining 3 personal loans ttl $ XXXX, opening a bank account in my name ( fraud/identity theft ) and perpetrator used a phone number via XXXX XXXX that was obtained without my permission and/or knowledge to substantiate this fraud/identity theft.

Experian continues to report false phone numbers that I have never been associated with almost on a daily basis, even though my report has been locked and placed a fraud alert on XX/XX/XXXX. I have had to dispute these false phone numbers literally every day the past three days via online disputes with Experian and new phony phone numbers have shown up ( different ones ) that I'm not associated with nor ever have been the past few days, XX/XX/XXXX and XX/XX/XXXX My only phone number I have is my cell phone which is XXXX. I have had this number since XXXX.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Finance System of Green Bay, Inc. (WI)

Finance System of Green Bay intercepted my State of Wisconsin XXXX income tax refund for a debt I do not owe. I made contact with XXXX on XX/XX/XXXX and asked for proof I owe the debt. It has been more than 30 days and I never received any information regarding proof of debt owed.
Consumer complaint received 2022-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (SC)

To Whom It May Concern : This letter is in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. I just had an addition to my family and now i can get approved for an auto loan because of this derogatory mark. 

In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request! I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. I request, under the FCBA, that you include all of the following for my reference and research into this matter : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

6. 1099 ( c ) IRS Document that you are required to send me.

If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. 

MEDICAL DATA SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, Dear CFPB, I would like to inform you of the negligence of the consumer reporting agency I am submitting a complaint against today. This CRA has been reporting incorrect and unvalidated information on my consumer profile that needs to be deleted immediately. I have not received any notification that my previous disputes have been initiated. I have attached my dispute to this complaint, and I am requesting that this CRA investigate these negative accounts immediately.
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I disputed information on my credit report. The results of the investigation came back verified. I then requested verification of whatever documentation was used to verify the accounts and public records that do not belong to me. I was told by a rep and that rep 's supervisor that the accounts and public records were verified electronically and there was n't any documentation to send me. The FRCA tells me that they are required to provide proof of those documentation upon request or delete the accounts and/or records from my file. They have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or they can not verify any of those accounts and/or records and under Section  611  (  5  ) ( A ) of the FCRA they 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 for? negligent noncompliance?  ( Section 617 )  if they fail to comply with this  Federal Law.  I need more than just the creditor electronically verifying the accounts. I need to know how they verified them, and that means more than just taking the creditor 's word or reliance on some " signed agreement '' with the creditors to report accurate information. I need tangible proof that these accounts were verified.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.