davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have a used auto loan with PenFed Credit Union. The loan was paid in full and the check has cleared the bank on XX/XX/2022. However, despite numerous calls and emails to PenFed with copies of the check showing it has cleared the bank, they still show it as outstanding. They are still sending me collection letters as well as not releasing my title to the vehicle. I am exhausted. I have tried everything to get this cleared up on my end. I have even reached out to their collection department and they also see notes and a copy of the check in their system. The check has our loan number clearly printed on the check.
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (WV)

To Whom It May Concern : I am member of a credit monitoring service. I received an alert of a collection that was put on my report. It was a collection from Bull City Financial Solutions in reference to an old credit card through XXXX XXXX XXXX XXXX for the amount of {$9700.00}. 
This needs to be removed ASAP! I am not responsible for this debt. My ex-wife is responsible. 

Back in XX/XX/XXXX of this year XXXX XXXX XXXX XXXX sued me for the debt. In turn, I counter sued my ex-wife. She contacted XXXX s attorney and made an agreement with XXXX XXXX XXXX XXXX. At the hearing on XX/XX/XXXX, XXXX XXXX XXXX entered her Judgement and requested that I would be dismissed of the obligation. 

I have attached a copy of the civil judgement order showing the claim against me is DISMISSED. 

Bull City verified with the original creditor " XXXX XXXX XXXX XXXX '' that I have been released from the debt back in XX/XX/2018. They removed it from my credit and in the last few day re-posted the collection to my credit. When I called them, they clearly said they further reviewed it and I am still responsible to pay them before they will remove it. I can give them a credit card to cover the amount of the collection. This makes it illegal. Clearly knowing I am not responsible for a debt and they are trying to collect.
Consumer complaint received 2022-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

I am a XXXX XXXX XXXX XXXX XXXX XXXX and at this time believe I qualify for Public Service Loan Forgiveness . I believe 120 qualifying payments have been made. I submitted my application for public service loan forgiveness in XXXX and waited 3 months for a response from XXXX XXXX. After waiting 3 months, I was told that my application did not qualify because I was not employed full time. I have been employed full time/40 hours at a not-for profit organization since XXXX. When I spoke with Fed loans, the customer service rep looked at my application and saw that I checked off full time but thought the " 40 hours/week '' looked possibly like " 10 hours '' due to the way it was scanned into their system. I was told the only way to resolve this was to re-submit an application and wait the additional 3+ months for processing. In my opinion it looks like " 40 hours '' not " 10 hours '' but nevertheless I have submitted another application. I would like for my application to be prioritized for review as it appears XXXX XXXXXXXX mis-read my original application. I do not think it is reasonable to make me wait another 3+ months for application to be reviewed and loan to be discharged as I have made all qualifying payments.
Consumer complaint received 2022-03-14
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. (WA)

I have filed for identity theft with numerous accounts listed on my Transunion Credit Report. I never once permitted Transunion NOR the the furnisher to furnish my report, and after reporting the furnisher and fraudulent account to Transunion, Transunion denied the removal for the fraudulent inquiry and account from my credit report. This has not only caused a discrepancy in my name as attached to the standing of my credit score, but has also been a direct violation fo my rights for mishandling their 'reinvestigation '. My first step for communication with Transunion was on XX/XX/2022 when I called Transunion, and spoke with a representative explaining my situation, that a creditor, and debt collector, XXXX XXXX XXXX XXXX appeared on my credit report as a fraudulent inquiry. Transunion did NOT accept my request to remove the hard inquiry over their notification system, and instead referred me to XXXX to dispute the inquiry. I then called XXXX and spoke with a representative of which they did not find an account or record of my name in their system. After both attempts to remove the fraudulent inquires, and a fraudulent account - XXXX from my credit report, I then sent my filed FTC report made on XX/XX/2022 along with my proof of identity to Transunion to remove the fraudulent inquiries from my report. I was then sent a letter by Transunion saying theat they were unable to complete the request to dispute the information based on it being made in ERROR, or by misrepresenting material fact made based on the information I provided them. On multiple attempts, I have also not been able to directly access my OWN credit file online due to my account being 'suspended '. I am beyond frustrated, and am being violated by my own privacy and rights to exercise my rights a XXXX a consumer.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have had problems with setting up repayment while still in school. Had to submit enrollment form twice to stop the repayment starts. Below shows last year when the issue first started XX/XX/XXXX : Has my school enrollment been updated because I have a payment due on XXXX but I am still enrolled in school till the end of XX/XX/XXXX? XXXX XXXX XXXX Account # XXXX Then XX/XX/XXXX they still had me owning and past due after the school sent an email they faxed in my enrollment form. <P/>In XX/XX/XXXX I was told loan repayment would start XX/XX/XXXX. On XX/XX/XXXX received and email payment due XX/XX/XXXX. ( Three days later ). <P/>I called on XX/XX/XXXXabout XX/XX/XXXX payment and asked was there going to be a draft from my account and was told no. That my XX/XX/XXXX payment covered the XX/XX/XXXX payment and account showed I was ahead. I was on vacation and stress this to customer services and was told, " Nothing will come out on XX/XX/XXXX. '' That Monday my account was drafted {$630.00}. I had to get a payday loan to cover my car note and auto insurance that were set on autopay from that account. I called and asked to speak with a supervisor to be told the agent I spoke to on XX/XX/XXXX did n't know I did the autopay online and not through them. I said the online autopay is through you. I asked to cut off my autopay ( which now I lose interest rate reduction ) and refund my {$630.00}. I have not confirmation of it happening.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX  district of Ohio.

I sent a letter to the XXXX XXXX court in XXXX   Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. The courts sent me a let
ter back stating they do not report and DID NOT report this information to the credit bureaus. 

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
Consumer complaint received 2018-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/18 I sent in a dispute to transunion about 12 inquires that I didn't give permission to pull my credit. These inquires were not done by me. In my dispute letter I stated I wanted transunion to remove these inquires because they were not authorized by me, and they don't have any documents supporting these inquires. Transunion never responded at all. The Fair Credit Reporting Act clearly states that these 12 inquires must be removed because 1 : One I didn't authorize them, 2 : Transunion didn't response within the 30 days 3 : Transunion don't have any supporting documents proving I authorize these inquires.

The inquires are : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX -XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I opened the Citibank checking and savings account package in XX/XX/XXXX under a promotion, where I should receive {$400.00} bonus if i follow through with the terms of the promotion. The promo code was XXXX. O n XX/XX/2018 I deposited {$15000.00} into the checking account and {$200.00} into the savings account and held it there for over half a year.

I have since met the conditions under the terms of this promotion, and have repeatedly contacted Citibank about the bonus, but the calls went no where. Research case was also opened but there's no promised updates ( within 24-48 hours ).
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/17 XXXX XXXX called me and wanted to know if I had applied for a XXXX XXXX card. I said " no '' and stated that this was a fraudulent application. Needless to say this inquiry is reflected as a hard inquiry on my XXXX credit report. I called XXXX XXXX  and they told me that they had notified the three reporting agencies about the fraudulent inquiry and should be taken off my credit report. To this date it is still reflected on my XXXX  report. My patience is now exhausted
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  claims that I owe them for leasing an apartment or home. I have never leased an apartment with those people. I have lived at home address for 25 years and just moved to a condo. This account was opened fraudulently and I have already filed a police report over a year ago. I submitted the police report to all 3 bureaus and XXXX and XXXX have already removed the fraudulent account. For some reason no matter how many times I speak with someone and dispute the item and send in my police report Equifax does not want to remove it. They told me based on the info the creditor gave them they have verified that the item belongs to me which is totally UNTRUE and UNFAIR. This particular debt is ruining my life my signature was forged on the lease and they are making me suffer. I recently disputed it again and I was told 3 days later the dispute was completed and it will remain on my credit report how can they investigate in 3 days? This is insane!! These people can not prove that I lived in an apartment it is not tied to anything else on my credit file. I did everything I was supposed to do now Equifax needs to remove this item I am tired of dealing with this and plan on taking legal action very soon.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (SC)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

I applied a loan with Big Picture Loan of {$1000.00} with the company and was approved on XX/XX/2018. When I discovered that the company applied a 183 % interest rate to the Loan I called them to cancel and reverse the Loan payout from my bank account. I spoke with an employee named XXXX on a recorded line, and was told to allow 2 business days for the amount to be reversed. On XX/XX/XXXX I reached out to the company, spoke with XXXX and was told my bank declined the transaction which I know is not true. We had 3 way call myself, my bank representative and XXXX an employee of Big Picture Loan company and the bank confirmed that they have the correct acct information to debit my acct and also stated that no attempt was made by Big Picture Loan to take out the cash neither was any transaction declined. I called big Picture Loan severally to get the matter resolved but they kept telling me their support dept will look into it and get back to me, which they never did.Rather they sent me an email that my first repayment is due by XX/XX/2018 even when it was obvious that they are using a delay tactic. I called Big Picture Loan on XX/XX/2018 to make the payment with their customer service which they declined..
Consumer complaint received 2021-09-09
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CO)

We took out a lease on a 2018  XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle inXX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XXXX ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
Consumer complaint received 2018-10-31
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. (MA)

Dear Sir or Madame, I am writing to file a formal complaint against TransUnion. I have attempted to contact them on several occasions regarding their inaccurate reporting of my information with XXXX XXXX XXXX. I have requested that they investigate each claim for accuracy and have not been resolved. The inaccuracies and derogatory mark placed on my file has caused my inability to obtain credit with much stress and anxiety as well as damaging to my credit. 
I am asking for you to intervene for a fair judgment based on the Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report. 

Please find below in bullet of items found on my report that is missing or inaccurate. 

Incomplete or missing account number ( XXXX ) A charge off account in the amount of {$1100.00} Incorrect high balance of {$1700.00} Late Payments
Consumer complaint received 2022-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

This is a second request regarding Navient Private Loans. Yes in the past, I have had private loans that have been charged off by Navient and are no longer legally collectible as Navient couldn't supply the documents. So, I do not need to know anything about those loans and what happened. 

My issue I have co-signed for XXXX loans for XXXX  XXXX XXXX XXXX The outstanding balance is now double the original loan balance. Also, I do not receive monthly statements from Navient-Yet I have ask many times. Instead I get a robo call twice a day with no message left on my voicemail. I have since blocked all Navient calls. Navient can not send a monthly statement-which I thought was legally required. But they can send XXXX notices to us in the post. I feel like this relationship is one sided. Navient wants me to pay but can not send me a monthly statement indicating the amount due and the due date. The outstanding balance on both loans has ballooned and is now double the original amount. When the COVID forbearance hit, Navient did not notify us. Instead I had to ring them monthly to get a forbearance.
Consumer complaint received 2022-03-14
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. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : US DEPT OF EDXXXX : XXXX -- -> : {$16000.00}
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (VA)

I took out {$2000.00} Loan on XX/XX/XXXX as installments loan with a annual percentage rate of XXXX.the they added insurance of all kind including unemployment know that Iam fully employed and covered by my employers and it seem like they was selling insurance not Loan products.I have paid 12 months payments and still the originally amount is still {$1900.00} as of today date XX/XX/XXXX.the manager claimed that she refunded over {$290.00} of the insurance money subtracted from the principle but it is still $ XXXX.every time I pay money should go toward the principle and interest.they are very deceptive to me.they claim because I have been paying late.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (PA)

I went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX