davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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: ENCORE CAPITAL GROUP INC. (IL)

I filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau
Consumer complaint received 2022-05-19
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: NAVY FEDERAL CREDIT UNION (AL)

NAVY FEDERAL CREDIT UNION has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). NAVY FED is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

NAVY FED knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned.

NAVY FED does not have my permission in writing or verbally to report information on to my federally protected consumer report.

I have informed the CEO several times of their fraud.
Consumer complaint received 2021-11-13
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: TIDEWATER FINANCE COMPANY, INC. (IL)

I filed a XXXX XXXX XXXX  and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau
Consumer complaint received 2019-07-22
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. (NJ)

XXXX and Equifax had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 XXXX  put the {$91.00} balance back on my XXXX XXXX loan and Equifax {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how XXXX   and Equifax can increase a XXXX balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to my credit report!!!
Consumer complaint received 2021-11-13
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. (UT)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX/XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent all 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, TransUnion, XXXX, and XXXX  are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a XXXX XXXX bankruptcy and was successfully discharged.

Accounts that were included in my bankruptcy continue to show as active And open on my Transunion credit report. I have contacted Transunion many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact Transunion credit bureau
Consumer complaint received 2023-10-04
Product: Credit reporting 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. 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 XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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 2022-05-19
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. (MA)

I created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into Experian and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with Experian and the Consumer Protection Bureau is a loan called U.S. Dept of EDXXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called Experian this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

Loan was paid off and title to vehicle was issued and received with no lien recorded. A cease and desist letter was issued after continued harassment pursued. Loan amount was {$39000.00} and {$45000.00} was paid due to interest.
Consumer complaint received 2021-11-13
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. (GA)

XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ENOVA INTERNATIONAL, INC. (AZ)

I have someone using my social with my maiden name XXXX. I am XXXX as of XX/XX/XXXX. They have tried to open checking accounts with XXXX XXXX XXXX and XXXX XXXX. I have filed fraud with them. This happened on XX/XX/XXXX. I filed a police report on XX/XX/XXXX. Case number is XXXX.On XX/XX/XXXX I had a credit card opened in my name with NetCredit. I contacted this place and got the run around that I needed a new police report. I called and made another one with XXXX XXXX sheriff. I froze my credit with the bureaus except XXXX stated I didnt file in time for that so they wont remove any hard inquiry in my name.
Consumer complaint received 2021-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I signed up for PSLF back in XXXX and have made well over 120 payments yet my total still says only 75 payments in the portal of my servicer. 

I consolidated in XXXX and was told that all payments made prior to the consolidation do not count. I was never made aware of this when I consolidated my federal loans. 

My original loan balance was $ XXXX but now it is over XXXX XXXX dollars due to compounding interest. I have consistently worked for a nonprofit since XXXX and always made my payments and completed all necessary PLSF documentation. I detrimentally relied on this program when choosing a profession in the nonprofit sector. 

As you will notice that from XXXX to XXXX payments were adjusted to {$0.00} yet the servicer is refusing to count these 60 payments. I have attached the payments that the servicer is refusing to include.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This debt buyer/collector has posted debt on my credit reports that I have no knowledge of. As of today, XX/XX/24, I have yet to receive anything from them by mail, especially validation of the debt that I have requested twice in the past several months. This company has been constantly calling me for almost a year now. I block the numbers, yet they keep calling from a different number. Most of the numbers are robo calls from spoofed numbers appearing to be local numbers from my area code. I answer a call on XX/XX/24, after a long pause, someone finally came on the line, advised me the call was recorded. I specifically told them I will not conduct any business over the phone, only in writing, and to stop and cease calling me. I also requested validation of any debt I allegedly owe. I was told by the person they will mark it to stop calling. Then the calls started again on XX/XX/24, then again on XX/XX/24. I answered again. Again after long pause, someone speaks, tells me I am on recorded line. Again, I state I will not conduct any business over the phone, only in writing, again I requested validation of alleged debt, stated I am on the do not call registry, and to stop calling. I also stated if called again, then I would get my attorney involved. Was told by person on phone that they will mark it as cease and desist, and wont call anymore. No calls since XX/XX/24 until today, XX/XX/24, I receive another call from them, I answer, long pause, but no one says anything, then when I am about to hang up, someone says " call answered, no response. '', and hangs up. This is getting ridiculous. As of today XX/XX/24, no validation of this so called debt, and more phone calls after 2 times of requesting to stop. Past calls received as follows : Always mostly during my work hours, sometimes on weekends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is as far back as my current phone log will go.
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (GA)

Please remove this inquiry, I have no knowledge of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is very frustrating XXXX  XXXX and TransUnion have been reporting false report on my credit since 2019 Everything I highlight are wrong and need to be remove from my credit profile ASAP I'm writing to you regarding discrepancies I have found on my credit report. 
Those collections are being reported with late payments. A collection is by default late. Delete account from my credit report immediately Once you have finished my request please send me an updated credit report reflecting my request. 
I will submit my complaint to XXXX  XXXX headquarters
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

My first contact with Amerifinancial Solutions was in XXXX of XXXX, when I saw this account reporting to my credit reports. The reported the wrong address to contact them and my dispute letter was returned back to me. I had informed XXXX, XXXX, and XXXX with copies of the envelope that was returned. XXXX and XXXX promptly removed the item from my credit report. XXXX refused to remove the item and the update of the new address wasn't updated until XXXX of XXXX as you can see with the attached credit report. Since then I have done my due diligence to dispute this item directly with Amerifinancial Solutions, and it has gotten to the point that they refuse to respond to my letter after it was discovered that the account they are attempting to collect on may have Violated HIPPA law.I have attached my credit report from XXXX of XXXX showing that Amerifinancial Solutions was reporting the wrong address to contact them as well as XXXX of XXXX credit report showing the correct address to contact. Have also taken the liberty of attaching the only response I have received from Amerifinancial Solutions before they stopped responding to my correspondences. After having to deal with this company reporting incorrect information on how to contact them, I finally am able to get in contact with them and they have not responded. Please have this item removed from my XXXX report.
Consumer complaint received 2023-06-22
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I previously opened a compliant on XXXX/XXXX/23 which XXXX, XXXX, and TransUnion did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 may make any of the following items of information Any 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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. (FL)

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2015-05-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I looked at my bank account statement and I saw that I was charged XXXX from a company called XXXX. I have never heard of this company! I do n't remember writing a check to them. I did not write a check to them. I have called the bank and they will open me a new account soon ( 5-7days ).
Consumer complaint received 2024-04-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I bought a coupon book from XXXX rental car and I ended up using an alternate payment instead of using my Experian card and they're still holding the XXXX pending for 30 days now they're still holding that money I thought after 10 days the charge would fall off that's what hurts told me but it didn't fall off it's 30 days now and they're still holding my {$600.00}
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I receive a product that was defective ( did not work as advertised ). 
I complained to the merchant but after protection time expired, they stop responding to my messages. I filed a charge back request with the Capital One, but they denied it. The original request was via fax, but I wanted to submit screen shots and pictures that show that the product was defective. After I complained the second time, they allowed me to upload the files that can clearly show that the product was defective. They still denied my claim. 
They want me to pay for a defective product ; this is a violation of the Federal law. 
.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hard random inquiry on XX/XX/2024, and today on the XXXX of XX/XX/2024 was contacted and asked if i was on the phone with the credit card company which i was NOT. I had XXXX notifications and responded with no i was not me contacting the cred card company Capital One.