davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (IL)

My lender tried to pull my Equifax report and was unable to. I usually use XXXX to check my XXXX and Equifax, so I created an Equifax account to view my credit information. I put my social in and they are saying I dont exist. I clearly do as I have credit cards, student loans, and an existing mortgage. I called XXXX times already with an attempt to verify my identity information in order for them to even check if my SS is correct. All XXXX times their automated license verification system failed. I have resorted to sending them a fax or my Drivers License and Social Security as they requested. I would like answers how this is possible when XXXX is able to show my a daily checked Equifax score with all my accurate accounts.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

This is about a complaint sent from me to you through CFPB submitted XX/XX/22 requesting your company for validation of the account from XXXX # XXXX. 

In response to my complaint, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my Consumer Reports ( XXXX & XXXX ) as Charged Off. This means that the creditor XXXX is no longer attempting to collect the alleged debt owed by them. 

I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me, as a consumer, that the creditor was attempting to collect a debt but in reality, it was not true. Because of your deceptive tactics I demand you delete the collection account off of my XXXX and XXXX consumer reports. If your company does not comply I will be forced to seek litigation
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX. Is the only credit reporting agency with outdated information and has additional inquiries which have been disputed before this complaint. I also want to know why they have supplied credit report to businesses without my consent even after I requested for credit freeze.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX  XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. 
They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. 

How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. 
I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. 
I pay on time but the loans are getting larger. 
The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.
Consumer complaint received 2021-06-10
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 (NY)

On XXXX XXXX 2020 I had a charge on my Capital One Visa card in the amount of {$40.00} On XXXX XXXX 2020 I had a charge on my Capital One Visa card in the amount of {$300.00} XXXX XXXX is the name on the 2 charges, I have no clue who they're. 
I called Capital One & they couldn't give me any help in identifying this merchant, I want to call them or email them to question why they charged my card, I went back & forth with Capital One & they still didn't give me a credit, I also filled out the papers they sent me but nothing is happening.
Consumer complaint received 2018-05-15
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. (TX)

XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX ( PENDRICK CAPITAL PARTNERS II LLC ) I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My legal name is inaccurate across my XXXX, XXXX, and Transunion credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.
Consumer complaint received 2023-01-13
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. (NC)

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XXXX XXXX by XXXX XXXX ; XX/XX/22, XX/XX/22, XXXX XXXX by XXXXXXXX XXXX XXXX and XX/XX/22 by XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Consumer complaint received 2018-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (CA)

On XX/XX/17, XXXX XXXX XXXX ( us ) paid XXXX XXXX XXXX the amount of {$3200.00} ( check # XXXX ) to payoff loan for XXXX XXXX XXXX XXXX. As of this date, we have NOT received the title. I run a XXXX and XXXX still shows as lien holder of the vehicle. We have tried several times to contact XXXX and request the release of the title and they keep telling us that the title was released. When we ask to speak to someone in the title department, they say we can't talk to anyone from that department, that we need to leave a message for them.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/1921 I wanted to make a early payment to my credit card. {$220.00} XXXX put my funds in my bank account waiting for capital one to take it out for my quick silver credit card. Waited 5days they never took the money I checked my capital one app and the available credit was now XXXX  when I left {$75.00} I was told we can take your available credit if a payment returned.i called my bank verified capital one never took the funds. For XXXX. The capital one rep XXXX said he will put my available balance back into my capital one account and he wanted to make sure I get the credit for XXXX as a curiosity for all the trouble I've had this pass week with capital one. The XXXX was pending 10hrs then I called capital one back they took it out of my capital one pending balance and said again your payment was returned.i called my bank verified again capital one never took XXXX out of
Consumer complaint received 2019-09-28
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. (FL)

DISPUTE REASON : EACH CREDIT BUREAU XXXX, EQUIFAX, XXXX ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX reports XX/XX/2014Equifax XX/XX/2014
Consumer complaint received 2023-01-13
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. (NC)

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XXXX XXXX by XXXX XXXX ; XX/XX/22, XX/XX/22, XXXX XXXX by XXXXXXXX XXXX XXXX and XX/XX/22 by XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-27
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. (CA)

Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX  and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX transferred this debt to XXXX XXXX XXXX and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX   reports my account information accurately.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I submitted updated income information for the PAYE Plan to Nelnet. I anticipated making an on-time payment under my then REPAYE plan as a qualifying payment toward Public Service Loan Forgiveness. This payment was due XX/XX/XXXX. 

On XX/XX/XXXX, Nelnet sent me a disclosure that my IDR request had been accepted and that I was being placed on an Administrative Forbearance for a month. It stated I had the right to have the forbearance removed. I had not authorized this forbearance, making it invalid. 

I made several requests to have the forbearance removed, and was initially told that that was not even an option. Then I was quoted several different payments due immediately if I wanted to go into repayment, including one of over {$1000.00} ( which was totally incorrect ). They also suggested at one point that they put me in the standard repayment plan in order to make a XX/XX/XXXX payment, even though they later then admitted that I would then have to reapply to PAYE if  I did that. 

Finally, I was advised to call in and ask for a manager, who told me that they could remove the forbearance, but that that I would owe a payment of {$90.00}. I was fine with that. However, they also stated that even though I would owe that money I would not be on a payment plan of any kind ( including the standard repayment plan, which qualifies toward Public Service Loan Forgiveness ) and therefore the payment would not count toward Public Service Loan Forgiveness. Despite Nelnet 's claims, it is not possible to owe a student loan payment and not be in some kind of repayment plan.

Nelnet is just putting people into administrative forbearances in order to make money off of the capitalized interest. Their refusal to put me back into repayment program is an unfair, deceptive, and abusive practice and violates other applicable laws.
Consumer complaint received 2023-01-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers XXXX by XXXX and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Transunion is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

Note : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

On XX/XX/XXXX, Equifax responded to my requests for verification of the above items. On XX/XX/XXXX, I sent Equifax a certified letter through USPS urging them to provide proof of a thorough investigation into how they were able to verify the above items in regards to FCRA 611 ( a ) ( 6 ) ( B ( iii ). I have attached proof of these requests. On XX/XX/XXXX, Equifax responded with an account history statement showing that these items were being updated on my credit report. Equifax still did not provide me with any transcripts of communication with the creditors listed in the requests. On XX/XX/XXXX, I sent Equifax another letter urging them to comply with 15 U.S. Code 1681i Section 611 6 ( B ) ( iii ) explicitly asking them to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information On XX/XX/XXXX, I sent them a certified letter urging them on my intent to file a complaint with the FTC for their disregards of the law. Equifax then responded on XXXX XXXX with another statement of account history alleging that the five charged off items belong to me. On XX/XX/XXXX I sent Equifax my last request for them to follow FCRA guidelines and provide their method of verifying these items. At this point, I have exhausted all of my resources and this is my last attempt to get them to follow the law or delete these items from my credit report. To this day, XX/XX/XXXX, Equifax has yet to provide me with any proof that they have conducted a reasonable investigation into how they verified these charged off accounts. I have only received communication that they have conducted through E-OSCAR with ACDV forms, which does not satisfy 15 U.S. Code 1681i Section 6 ( B ) ( iii ).
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.