davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (FM)

This is debt do not belong to me. I sent court documents and a letter from previous landlord to proved that I was not living in/on the property. XX/XX/XXXX I moved into XXXX XXXX XXXX XXXX XXXX, FL XXXX. I lived there until XX/XX/XXXX. I received court documents from landlord giving me notice that I have to move from the property with in 60-90 days because the property was being sold. XX/XX/XXXX the property was sold I was given additional time to move my belongs into my new residences which is XXXX XXXX XXXX XXXX. Currently I am still residing here until further notice.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have recently reviewed my credit report and have found multiple inquiries that I do not recall authorizing. I believe these inquiries might be fraudulent and I request their immediate removal from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In accordance with this law, I am requesting that you investigate and remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the FCRA, the credit reporting agencies must investigate my dispute within 30 days of receiving it. I also request that you provide me with a written statement of the results of the investigation and a free copy of my credit report after the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your favorable response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-15
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. (WA)

I requested that Equifax delete all 22 inquiries on my credit report to be removed. I wrote a dispute letter sent certified mail and it was received on XX/XX/21. It has been over 30 days and they have not been removed. this is my second CFPB complaint I also called them on XX/XX/21 and spoke to fraud department and requested that they removed them. they stated they requested for all 22 inquiries be removed. they said it will take 3 to 4 business days to be removed and it still has not been removed. I informed them that filed complaint with FTC and CFPB.
Consumer complaint received 2018-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security National Automotive Acceptance (RI)

in XX/XX/XXXX i received two notices from Security National Automotive Acceptance Company ( SNAAC ) in regards to consent order XX/XX/XXXX-CFPB-XXXX ( enclosed ). one of them was a notice of a credit in the amount of {$1500.00}, datedXX/XX/XXXX. the other was a notice of refund in the amount of {$350.00}, as well as a check for that amount ( enclosed ). I received notification via email ( enclosed ) stating that the account was paid in full as ofXX/XX/XXXX. upon speaking with a SNAAC representative on XX/XX/XXXX i was told there is no record of my balance being paid off. ( phone record enclosed ) i requested the contact information of the rep to forward the email, and never received. i then again spoke to the rep on XX/XX/XXXX and was told that now they have the settlement information on file, and that they had taken the credit of {$1500.00} and applied it to the balance to close out the settlement. ( phone record enclosed ) However, the consent orderXX/XX/XXXX-CFPB-XXXX was filed onXX/XX/XXXX, 5 days after i was notified my account was paid in full.This withholding is in bad faith under consent order XX/XX/XXXX-CFPB-XXXX  and directly violates this order. upon more investigating i also never received any redress, or notices in regards to, consent orderXX/XX/XXXX-CFPB-XXXX. i have also attached documents taken from my SNAAC online portal referencing that my account still has a remaining balance, as well as a brief payment history, and a lack of any estatments for viewing.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp. (WA)

I was helping my wife settle a debt with Armada and I discovered I also had an account and owed them {$1000.00}. I was unaware of this but asked to negotiate a settlement and they said they do not do that. I want to pay what I owe but they said it was from 2019. It is not right that they will not work with me on this especially since they did not informed me.
Consumer complaint received 2017-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

I 've repeatedly asked them to make the orignal MPNs for my loans available and they refuse.     The section on the website that should have them remains blank. I 've repeatedly disputed their timelines and fees but they completely ignore all complaints. The section of the website that shows correspondence is completely blank and there is no way to prove that you contacted them.     After complaining t o the Federal Ombudsman 's office they 've sent some MPNs that are clearly not the original and do not have valid signatures on  them. I want them to provide actual proof, and if they claim that it was signed electronically I want them to provide proof that they complied with the standards for electronic signatures in electronic student loan transactions released in  XXXX   of 2001 by the Department of Education. Again, I want them to prove that they met the requirements of the standards. I 've asked them repeatedly to prove the origin of the loan as they are not the original servicer. They have not responded to any request for years.      They also have n't provided me with my repayment options as required by law at the end of grace periods resulting from deferments, they 've also misclassified deferments as forebearances. They do not provide information required by law, they skirt around the requirements, and they put fines and random charges on the loans whenever they want.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (TX)

Rausch Sturm LLP took funds from my savings account and checking account and refuses to give me documentation to back up the debt they claim I owed or send me a receipt of payment for what company and amount these debts are.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I filed a dispute with Equifax for the reporting of inaccurate information. My initial dispute was on XX/XX/XXXX. The dispute results came back and it was not resolved. I contacted the original creditor and they stated the reporting was done in error. I filed another dispute on XX/XX/XXXX and XX/XX/XXXX. I submitted documentation with the dispute to show this was inaccurate and they would not update my account and are violating the Fair Credit Reporting Act.
Consumer complaint received 2021-03-08
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. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2023-07-06
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. (TX)

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 2023-03-15
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. (FL)

i have sent them numerous letters disputing XXXX XXXX being fraudulently on my account and they have not removed it i also told them to request proof that of me either filling out information or me personally showing my id getting the auto loan they have not did anything to remove this dispute off my account
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XX/XX/2022 someone logged into my Zelle account and sent {$1000.00} to this XXXX XXXX, Ive contacted my bank since then and made complaints and reports about this problem. I was told by an individual that had a similar situation that I should reach out to your company to get further help.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (OH)

I got a car from JDByrider in XX/XX/XXXX the car was returned to them in XX/XX/XXXX I also filed a XXXX XXXX bankruptcy XX/XX/XXXX that included this account. I was looking at my credit report today and they are reporting that this account was closed in XX/XX/XXXX. This is incorrect and I would like this removed from my credit repor asap because they are reporting false information.
Consumer complaint received 2019-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have several loans with Navient. All but one are defaulted. The defaulted ones have been sent to a collection agency, who bought them from Navient. I am working with the collection agency, XXXX XXXX, on those loans. The one loan that I have open with Navient, I send a check for every Saturday. The loan number for the open loan is in the check memo. Navient continually applies this payment to the loans that are closed that they have sold to the collection agency. Every three months this ruins my credit report by showing missed payments on the open loan. This is happening even though I was {$1300.00} paid ahead on the open loan when I started making the weekly payments. I am pretty sure it is illegal to apply payments to closed accounts that you no longer own. These payments that are being applied to the closed loans are also not being reported to the collection agency and lowering the balances on their end, so in reality, it is just theft on Navients part. This has been ruining my credit for over a year now and every three months I have to call them and fight with them to correct it. However, the second they receive another payment, they continue to do this.
Consumer complaint received 2023-03-15
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. (PA)

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account NumberXXXX, XXXX Account Number:XXXX has violated my rights. 15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi, The capital one is ridiculous. I payed {$1000.00} last month and my balance on XXXX XXXX was showing {$790.00} due, today its showing {$1900.00}. I contacted the bank, they dont know explaining and wants to charge me it! Ridiculous!!!
Consumer complaint received 2019-04-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

In XX/XX/XXXX I had a personal checking account with BECU - in addition to this, I was co signer on my mother 's account, as I was her caregiver and she was on SS XXXX. 

A fraudulent and highly deceptive company obtained a judgement against me without due process of law ( I was not served any documentation ) and they garnished my mother 's account, BECU knew the only deposits made to my mother 's account were SS XXXX checks by automatic deposit. 

Because of this, I closed my account and and my mother passed away in the same month. 

In XXXX I opened a business account with BECU. I attempted to apply for a secured credit card but the teller mistakenly opened a personal savings account. I let it sit there for a few months and decided to stick some money into it. 

In XXXX of XXXX I was finally ready for an automobile loan and applied for one with BECU. First I was approved, and then denied because they said I owed {$38.00} from XXXX of XXXX. I asked them how come I didn't know about this, and they said because they had written it off. They also said they were going to close down my savings account in 30 days. 

Per the WA Statute RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. 

It seems to me this would protect me from any further grievances for a mystery debt I had no idea I owed, also how could I close an account ending with a zero balance and now they are saying I have a debt with them?????? 

Is this discrimination?
Consumer complaint received 2022-12-14
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. (PA)

Upon reviewing my Transunion Consumer Report I noticed inquires on my report that may have been result of Identity theft. I notified Transunion rep who refused to remove the inaccurate information. I am a victim as my information was released without my consent in XXXX 's data breach which in turn this may be a result of. XXXX XXXX XXXX XXXX, XX/XX/22 XXXX XX/XX/22, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to FCRA I have a right to FAIR and Accurate credit reporting. This information is inaccurate.
Consumer complaint received 2020-11-10
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I was denied a loan because Experian did not release the exact information regarding XXXX disputed derogatory items on accounts already paid and closed ( XXXX of them It 's almost XXXX years old ). It was also inaccurate regarding proportion on loan balances vs amounts I owe due to the fact that practically all of my credit cards have very low balances .On the dispute I mentioned above the other XXXX major credit bureaus deleted the negative information upon request except for Experian that failed to see the fact of an individual with a very good credit history and record of paying on time
Consumer complaint received 2022-12-14
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 sent the credit bureaus letters asking them to verify the debt on my report on XX/XX/2022. They sent back letters in XX/XX/2022 stating that everything was verified correctly. I requested my credit report, and it is still showing inaccuracies. 

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 data is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-24
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)

Please review the attached documentation. Im a victim of identity theft. The following collection account is on my XXXX and Experian credit report. The following collection account is fraudulent and not my account : XXXX XXXX, XXXX, XXXX. I being receiving harassing and threatening phone calls of profane language, death threats, arrest, and imprisonment from XXXX XXXX representatives for a fraudulent account and, debt that I dont owe and dont belong to me. XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent collection account. The police report case number is : XXXX.
Consumer complaint received 2019-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sterling Credit Corp. (PA)

I have received several calls from this number : XXXX. Caller says the message is from a debt collector and gives this number to call back : XXXX. I have not talked to the caller and only know the message because a voice mail was left. I am not aware of any outstanding debt and I have not received any written communication from any company about money owed them. I think the call is a scam and hope you can handle it.