davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
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: Santander Consumer USA Holdings Inc. (FL)

Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Douglas, Chancellor, Meyers and Associates, LLC (IL)

This company never tried to contact me in regards to this debt, Placed on my credit report without giving notice. Debt is more than 7 years old please remove now. Going against. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act This account was opened in XXXX and the last payment was in XX/XX/XXXX.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2016 I got approved for a sporting goods store 's credit card under the Bureau name : SYNCB/XXXX XXXX XXXX. They have put my credit for collection of {$710.00} of which their representative once called and made me pay almost half of that amount to settle the entire account. I specifically asked them if my account will be completely settled after that and they said yes it will be taken off your credit report. I paid them the amount and the collection charge off was never taken off my credit report and is hurting my credit score to this day. I am a student and I am really trying to build my credit back up. If this debt gets resolved I can move on and work on building my credit.

Thank you
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NV)

Ive been a member of Navy Federal Credit Union for many years. I was denied access to my accounts starting in XXXX when I was behind on payments for my credit cards and or checking line of credit. I was not able to get any account information when logging in online. Currently, when any money is deposited or transferred from another member, Navy Federal takes funds for payments with being 6 days delinquent. They will take the entire amount of money available to make the payment and leave nothing available.
Consumer complaint received 2019-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Violation of the collection practices act for a debt collector to Refuse or unable to validate debt to send a validation notice or fail to respond to your verification letter. Request documentation that verifies you owe the debt, such as a copy of the original contract., Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized statements or list of the alleged charges they claim I owe.
Consumer complaint received 2019-02-15
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. (CA)

I have written to both XXXX, Experian, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Consumer complaint received 2022-08-19
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. (PA)

I disputed the validity of a collection company reporting incorrect information about me and causing harm to my consumer report. XXXX XXXX XXXX is reporting a collection that I owe a debt in the amount of {$1300.00} to their institution. I, XXXX XXXX XXXX does not have any obligation and or contract with the SECURITY CREDIT SERVICES. The company forwarded a communication addressed to XXXX XXXX XXXX BUT REFERRED TO A XXXX XXXX. I DO NOT KNOW A XXXX XXXX. 

IN accordance with 15 USC 1692g ( b ) I am requesting the validation and verification of this alleged debt, in which you shall cease collection of. 

Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a ) Be taken as tacit agreement to the claims set forth ; b ) Grant the consumer all demand remedies ; or c ) May result in litigation Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED DEBT and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ). that you cease all further communication through ALL and ANY MEDIUM except for communication of remedy as the original creditor is demanding the following : 1. XXXX out the balance of this account 2. Provide my name, a consumer and natural person, with the documentation showing the account was XXXX  out vial certified mail 3. Cease and Desist reporting of the alleged debt collection activity to all consumer reporting agencies before and after this date ; XX/XX/2022. 
4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I have written to both XXXX, XXXX, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
Consumer complaint received 2019-02-15
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. (CA)

EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX XXXX ACCOUNT-XXXX THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

NCC Business Services has continuously denied and ignored my credit bureaus disputes stating that I owe an inaccurate amount of money. I have advised NCC Business Services on several occasions to no longer contact me via phone, and to only communicate with me via postal mail. NCC Business Services continues to contact me via phone and leaves voicemails on my phone as well as my relatives phone number identifying themselves as a debt collection agency. I have submitted several receipts over and over showing that the amount they are claiming and attempting to collect has been paid. I have submitted receipts to them directly as well. This collection has been reported on my credit report. This collection is not valid I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
Consumer complaint received 2019-02-15
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. (CA)

EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX  XXXX  ACCOUNT-XXXX  THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
Consumer complaint received 2015-10-29
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

On my credit report there is two accounts that were opened fraudulently I have been trying to dispute them but every time I do they tell me the information is accurate and they won't remove it from my credit reports with XXXX  XXXX and XXXX  the accounts are XXXX XXXXXXXX XXXX by XXXX XXXX  bank and simply be by XXXX XXXX  bank
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (AZ)

In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. 
We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems. 
The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. 
Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. 
XXXX XXXX XXXX was non responsive to any attempts at communication. 
XXXX XXXX  XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc. (IL)

I paid more than {$810.00} for a XXXX '' XXXX XXXX XXXX listed for {$990.00} at XXXX store. The total to be paid was {$1000.00}. Why not lease it company did not send me a letter to pay the difference off and the television would have been bought free and clear as I thought I was doing. However, I received a letter which stated that I have an additional {$1400.00} to buy out the TV, which is a rip off. Mind you, the XXXX attendant that day said that you are buying a TV and paying bi-weekly installments. The advertising was misleading then, because the TV had a sticker price of {$990.00} and I am not going to overpay for a TV that gets devalued everyday with newer models coming out. I was under the impression that I was purchasing it with a bi-weekly payment to pay it off fast. There were no follow up letters to pay off the balance of {$270.00} and they intentionally sold the bill to a collection agency for over {$1700.00}, as if I have never paid one dime for the TV ( a depreciating asset ). You are the ones with bad business practices set out to rip off people under a disguise partnering with XXXX. I would like for you to correct my balance with the collection agency because I paid a substantial amount for fair price of the TV at that time. Thank you.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (WV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; 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 2019-02-15
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. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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. (CA)

My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.
Consumer complaint received 2024-02-09
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. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX, I opened a checking account with Citibank ( acct. number XXXX ) based on an offer of a cash payment for a certain level of deposit into a new account. The offer was prominent on their website encouraging the opening of the account ; the offer is still widely displayed on their website today. The required deposit of {$75000.00} was made for a {$1000.00} cash bonus. On XX/XX/XXXX, I contacted Citibank and was told be an associate that the required amount of deposit was made in the required time frame for the offer, that the correct " code '' had been entered into their system, and that the payment should have been made. The associate opened an inquiry, XXXX. On XX/XX/XXXX I received notice that there is not such a promotion at that time, even with the same promotion being offered today! Classic bait and switch. I am targeting that the account be closed at the end of XXXX.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

During XXXX and XXXX, I requested to be place in the PSLF plan and was told several times by Navient that I did not qualify. During this time, I worked for XXXX XXXX XXXX in the XXXXXXXX XXXX. I was unable to make the payments and therefore my account went into default.
Consumer complaint received 2017-11-12
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: JPMORGAN CHASE & CO. (CA)

On XXXX, my late husband opened up a Chase credit card account for himself, under his social security number. He passed away intestate on XXXX/XXXX/XXXX. I informed Chase several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}.
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AXOS FINANCIAL, INC. (CA)

I was scammed by a used car auto sales team for a car that was never sent. I wired {$36000.00} to a XXXX account from an Axos bank account. Looking back there were red flags but I authorized the transfer unfortunately last week. The car was never sent and I have not been able to reach the XXXX XXXX XXXX after this fraud was committed.
Consumer complaint received 2019-02-15
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: National Credit Adjusters, LLC (OH)

I did not open this account. My ex wife opened it in my name. XXXX  and XXXX  have investigated and deleted the account however XXXX will not. This is causing me to not be able to get a mortgage