davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NAVY FEDERAL CREDIT UNION (FL)

Last Year during Covid-19 i was sick with XXXX. Navy federal received my payment XXXX  days late for loan i obtain from them to further my education. I explained to navy federal numerous times about what happened to me those 2 months. Navy federal was so cold and heartless. Navy federal ruined my stellar payment history during the pandemic because of XXXX late payment. Now that XXXX, XXXX and XXXX have added XXXX pandemic hardship option to the dispute area I disputed this XXXX day late again to navy federal XXXX Within 1 week navy federal credit union responded that this account is accurate. I didnt dispute this account to be told that its accurate! I disputed this account with navy federal to acknowledge the new option that all XXXX credit bureaus have provided on their websites for me to choose. If my education loan was affected during the Covid-19 pandemic it says i can ask for relief. XX/XX/2021 we were on lockdown. I was sick with XXXX and did not go back to work until XX/XX/2021. Navy federal still received payment and chooses to ruin my credit.
Consumer complaint received 2021-07-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NC)

I have reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.
Consumer complaint received 2018-11-06
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. (ND)

I have contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Consumer complaint received 2019-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC (NV)

The Lender : Minute Loan center XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I borrowed {$200.00} from them on XX/XX/19 and was told to pay them back {$150.00} on XX/XX/19 and XX/XX/19. The APR was 428.994  % ( excuse me ). After paying two payments of {$150.00} successfully, I owed a final payment of {$130.00}. EMG Minute loan withdrew {$310.00} from my Account on XX/XX/19. I called them to hear from them that this would be THE LAST payment because they have been paid 3 times over the original loan. They did not answer and hung. Up the office phone several times. Unfair to the Borrowers who are being swindled for their benefit. Thank you
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (GA)

Inquiries/ Date : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX In according to FCRA ( XXXX ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 
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 consent.
Consumer complaint received 2022-03-30
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)

Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.
Consumer complaint received 2019-05-27
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: SYNCHRONY FINANCIAL (TN)

On or about XX/XX/2018 an i quiry showed up on my credit reports from SYNBC/TJXCO Dual card. I have no idea who or what this is. I have never applied with them and I have never authorized any credit inquiries from them.
Consumer complaint received 2019-05-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ray Klein, Inc. (OR)

On XX/XX/XXXX, Professional Credit Service / aka XXXX XXXX XXXX.and/or attorney XXXX XXXX garnished 100 % of available funds ( {$2200.00} ) from my personal checking account for collection on a judgement issued in XX/XX/XXXX for medical debt. I was in transition from one job to another, the funds in the account are all directly traceable to EXEMPT income per ORS 16.618. First in line for garnishment is the DOJ, who administers spousal/child support payments through employment garnishment. Because of the job change, only one employer took a portion of that support payment, meaning I was responsible for the balance, in order to remain current on this obligation. PCS took 100 % of available funds from a personal checking account, when a higher level garnishment order is in place. PCS failed to validate the source of the income taken. PCS did not use the legal State calculator to determine amounts available ( percentage of disposable income ) to secure this garnishment. PCS took my saved Child Support and is now directly responsible for my arrears with the DOJ ( and my children ). This is unconscionable, and illegal per several Oregon regulations.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I spoke with the representative at Capital One about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (AR)

In XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX which was received on. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question or XXXX XXXX XXXX. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2023-03-21
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. (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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount has violated my rights. Or 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 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 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

Equifax and XXXX indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and TransUnion indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.
Consumer complaint received 2019-05-27
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: General Motors Financial Company, Inc. (TN)

On or about XX/XX/18 an inquiry showed up on my credit reports from GM Financial that does not belong to me. I have never applied to any place by this name. I never heard of them. I did not authroize anyone from here to pull my credit. This is NOT mine.
Consumer complaint received 2018-11-08
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. (NC)

I have disputed the late payments XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2021-06-23
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. (GA)

Equifax has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX XXXX  '', " XXXX XXXX '', and " XXXX XXXX XXXX '' Inquiries should be removed from my report immediately.
Consumer complaint received 2018-11-08
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. (CA)

DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. Experian required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from Experian on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and XXXX  indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

IQ Data in XXXX has contacted both my ex wife and one of the executives at my company in order to try to contact me after I blocked their phone number. 

The debt in question is not valid in the first place ( previous landlord trying to get me to pay for damage I did not cause ). And now IQ Data is  contacting my co-workers and family, which is causing personal stress and embarassment. I have proof of their attempts to contact.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

on XX/XX/2017 left XXXX XXXX XXXX phone company and paid all my balances since I was a customer for 15yrs with them, I wanted to make sure they would release my phone numbers and be clear on my credit. after 3 months they kept billing me for my monthly service. i called and they failed to credit the amount for services I did not received. i filed a complaint with FTC and did not get results. Now, I am getting constant phone calls, letters from Sunrise Credit services. XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX for the amount of {$410.00} I keep spending time on this dept that is not mine and is ruining my credit. please help
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sound Collection Services (WA)

on XX/XX/2019 a charge had been issued to me in the amount of {$990.00} by the Sound Screening Service with no previous attempts to collect any amount of money and no knowledge of any charges going to a collection agency. XX/XX/2019 the charge has been raised to {$1000.00} still with no contact and no knowledge of what these amounts are for or why they are in a collections agency to begin with. ( the only reason I have these dates and amounts is because I have found them as markings in the collections tab on my XXXX credit report )
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through Lexis Nexis in XXXX. This issue is that my Lexis Nexis account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.
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: EQUIFAX, INC. (AZ)

To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-30
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. (OK)

Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.