davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hi, This company Portfolio Recovery continues to report to all XXXX credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, XXXX. ) XXXX opened on XX/XX/XXXX, and 3. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union took over {$500.00} from my checking account on XXXX XXXX XXXX to repay a " credit '' for an account that was already in collections and was not authorized to be taken. I never recieved notice from nfcu about the matter. NFCU was also sued for this same reason.
Consumer complaint received 2022-01-08
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. (OH)

I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXXXXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXXXXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XXXXand the next payment that they listed as past due is inaccurate.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

What do you do when the same company that caused the problem refuses to correct it. I have sent Equifax countless FTC reports each trade line or inquiry that is new. Equifax the cause of the problem in the first place refuses to work with me and remove the 13 Fraudulent Inquiries even though they have sent me copies of my credit with results saying The Inquirys in question have been deleted When in fact that is a game that Equifax is playing. Today I received a letter stating that they are not going to comply with FCRA 605 B and to contact you or my Attorney General.
Consumer complaint received 2024-02-11
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. (TX)

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : I am going through identity fraud which is why I have a fraud alert on my credit. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-04-05
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. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERIS BANCORP (FL)

I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.
Consumer complaint received 2019-06-13
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: EQUIFAX, INC. (TX)

Equifax keeps reporting fraudulent and incorrect information after I have submitted an identity theft report as well as a police report. I have never lived at XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX & XXXX XXXX XXXX XXXX, LA XXXX. The following accounts are fraudulent XXXX XXXX XXXX, LA XXXX XXXX XXXX. These inquries are not mine & I did not give anyone permission to look at my credit from these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IXXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, & XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-05-08
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. (VA)

My name is XXXX 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.
Consumer complaint received 2023-04-02
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. (NY)

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 XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 2022-02-02
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. (NV)

On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I mailed a letter asking for my name and address to be corrected on XXXX XXXX XXXX The Experian company refused to delete the incorrect information on XXXX XXXX, XXXX, which is a violation of my rights according to the FCRA. Along with the request letter mailed on XXXX XXXX, I supplied the company with a copy of my driver 's license, social security XXXX and rental agreement. This is a clear violation of my rights.
Consumer complaint received 2020-09-24
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lil' Wave Financial, Inc. (CA)

I'm refinancing my house, my escrow company have requested a payoff from SLS  ; Superior Loan Servicing " which is servicing company that California XXXX XXXX XXXX " private lender '' use to service the loan. 


Escrow and loan officer has been requested for payoff since XX/XX/2020, XXXX is XX/XX/2020, Private lender haven't sign payoff. 

SLS have emailed and calls lender to ask to sign the demand for payoff. But lender refuse and make excuses not to sign the demand for payoff. Lender have call me directly and made offer to keep the loan, I want to payoff the loan. I want to know what can CFPB do for the private lender to sign the demand for payoff so i can payoff this loan. 

my name is XXXX XXXX XXXX XXXX email is : XXXX phone # XXXX
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (VA)

My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

XXXX I just received an email from CFPB stating the company responded. They have not responded. They finally refunded {$4.00} for multiple charges I reported. However, they have not refunded overdraft charges to my checking account, nor have they indicated they have blocked " XXXX '' from continuing to charge me, which brought me to complain in the first place. 
US Bank 's standard reply is : Close your account and open a new one. No, this is a major inconvenience to me. If a bogus charge is continually coming from the same place, US Bank has the ability to block a repeat transaction. They have continually refused to do so. 
I demand : Refund of overdraft charges associated with these transactions ; stopping all overdraft charges to my checking account because I have repeatedly asked these to be stopped.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (OH)

I entered into a COVID-19 forbearance plan with LoanCare in XXXX of 2020. At the time of the plan, my account was less than 30 days current. Per the CARES Act, the servicer is forbidden to report my account as delinquent if I was current entering the plan. We sold the property in the beginning of XXXX while I was still on the plan. My XXXX credit report is now showing this as paid off, but is showing account status as over 120 days past due which is not the case.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian keeps saying that they have reinvestigated this XXXX account but I have never had a XXXX account and they won't send me any proof on this account. I have previously submitted a complaint and they are ignoring it. it is file XXXX
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA has a call center in XXXX, which when I called asking for help with fees, impacted due to covid, the representative did not even know about CFPB, FDCPA. I am a XXXX XXXX XXXX employee. The bank is not educating their employees correctly, in order to misinform other XXXX customers, and charge them overdraft fees, thinking every XXXX is uneducated, and can not read terms and conditions. I have been out of work since XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. At XXXX, we assist customers, returning fees. The bank even saw my stimulus deposit was not received until XX/XX/XXXX. The bank refused to assist me except with 2 overdraft fees. Overall, the bank is intentionally not educating its outsourced call center reps. I had to inform the rep about CFPB, since in XXXX, there is no banking system as organized as ours. The bank charges XXXX for {$1.00} transactions for stash ( less than {$5.00}, and I've called 3 times informing them I never signed up for stash ). I informed them, I'm on XXXX, receiving 70 % of my pay.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2020 we attempted to use our Amazon Account thru our identification process. We could not access our account. We called Amazon and was told that a purchase had been made for {$440.00} for a phone. They took down the information and told us to call our Amazon Chase Credit card. We closed the card and was told that Chase would review the information. Twenty days later, an attempt was made to purchase up to {$7000.00} classes on an alternate credit card listed on my amazon account. The credit card company immediately called me and we closed the account. Over the past 60 days we have made at least 25 phone calls to Amazon and Chase. Amazon tells us they will forward information to Chase that the purchase was unauthorized and Chase sends us a letter that says " We confirmed that the purchase was valid. The transaction will remain as part of your account balance ''. 
On XX/XX/2020 we contacted the third party Amazon vendor of the phone. They stated in writing " It shows you have not placed this order. ''
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (KY)

XX/XX/XXXX went to XXXX XXXX in XXXX, Ky to get a {$2500.00} loan. They used my XXXX XXXX and personal property as collateral. Before arriving I told them I did not want any credit insurance. They told me there was none on the loan. I get there and they start going over the paper work and asked who I wanted as my beneficiary for credit life. Told them credit insurance was not supposed to be on the acct, they said it was only {$46.00} and had already did the paper work so I took it even thought I didn't want it so they didn't have to redo all the paper work. When I get home and my girlfriend looks over the paper work she noticed there was personal property insurance with a premium of {$280.00}. Since it was after XXXX XXXX Friday night I called today Monday XX/XX/XXXX and talked to XXXX and told her I didn't want any credit insurance at all and she said it was required on the loan. It is not required on the loan and she didn't disclose that it was included in my loan. She skipped over that part of the contract. She refused the cancel it. The terms of the note was not disclosed to me and credit life and personal property insurance was forced without my knowledge and I am being charged interest on insurance I didn't want and they knew I didn't want it. Went to get a {$2500.00} loan and ended up financing {$2900.00} without knowledge because she ( XXXX ) skipped over that part of the note. I called the insurance company to cancel the insurance and they referred me XXXX at XXXX XXXX home Office who said that she did not know the laws and I would have to contact the branch who had already forced insurance on my loan without my knowledge and refused to cancel it.
Consumer complaint received 2021-02-10
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. (WI)

This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.
Consumer complaint received 2020-12-18
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (FL)

A few months ago, I called FedLoan Servicing 's customer service line in order to request deference of my existing federal student loans. I received three seperate student loans in XXXX, XXXX, and XXXX, respectively. FedLoan servicing 's CS representative told me that I was in " good standing '', and that my deference had been approved. However, FedLoan claims that this never happened, and they listed my loan as " delinquent '', sending it to the Department of Education. When I called FedLoan to resolve this, they repeatedly denied any responsibility, and told me " we can not help you any more, your loan has been transferred ''. The customer service for FedLoan was uphelpful and abyssmal, rude, consistently wasted my time, and treated me in a very callous and uncaring way, and the FedLoan supervisor did nothing to alleviate the situation.