davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}
Consumer complaint received 2018-11-03
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. (GA)

XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX, and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a complaint in the pass that capital One said I am owing themcertain amount which I have fully paid off and yet Capital One is stillcalling me that I owe them. I am still getting calls from one XXXXwho said that I should call her to discuss the amount I am allegedlyowing capital One. I am complaining that claim and I am stillcomplaining about it.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: EAST WEST BANK (NY)

The east west bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX telephone number XXXX refused to cash a bank written by East West Bank for a XXXX XXXX XXXX account in care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The bank representative claims that there are no funds inside of the XXXXXXXX XXXX XXXX  account, and I believe that he is denying or refusing to cash the check based on my XXXX and nationality. The check was written out of a bank that is primarily from the XXXX community and I believe because I have for an extended period of time dealt with XXXX issues with the XXXX community constantly denying me services at simple places like laundromats and public places like public gyms where I pay fees to enter therefore I believe that at this bank the same practice is being done with regards to the check that was presented to them today.
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

To whom it may concern : I have a collection account on my file from an agency named XXXX/TFC the account number is XXXX. Please be advised that I am disputing this collection due to the fact that XXXX/TFC -Tidewater Finance Co. XXXX XXXX XXXX, MD does not currently have a valid license in Illinois to collect on debts. this information is stating that there is no license held according to IDFPR and Illinois Secretary of State website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that XXXX/TFC is licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. Thank you.
Consumer complaint received 2018-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have sent Portfolio RECOVERY Associates multiple letters requesting debt validation XX/XX/18 they received on XX/XX/18 @ XXXX, again on XX/XX/18 which they received XX/XX/18 @ XXXX. They keep IGNORING my requests for validation & instead send me the same thing, copies of statements. I do NOT have any contract with Portfolio RECOVERY Associates or with the company they bought the debt from. They have NEVER had this removed from the credit bureaus during any time of the investigation which is a Violation. This still reflects Negatively on my credit reports for {$680.00}.
Consumer complaint received 2022-03-30
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-03
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. (FL)

XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX  Inquiry from XX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance To Whom It May Concern : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand to delete the following hard inquiries.

I have attempted several times to resolve this matter directly with the furnishers but never received any communication from them. Therefore, I am going to file a lawsuit against each for violating the Fair Credit Reporting Act.

I request you delete these inquiries in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n.

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. It states : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Please delete these inquiries or I will commence legal action.

Sincerely,
Consumer complaint received 2022-03-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

I attended digital craft in XXXX, GA on XXXX. XXXX is part of the XXXX XXXX XXXX XXXX, which is accredited by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a regional accreditation agency recognized by the U.S. Department of Education. 

I never received the mandatory private education loan applicant certification form or was made aware of alternative federal resources from my lender or school. Pursuant to Section 155 of the Higher Education Act of 1965, as amended, ( HEA ) and to satisfy the requirements of Section 128 ( e ) ( 3 ) of the Truth in Lending Act, a XXXX XXXX XXXX now known as XXXX XXXX Lending must obtain a self-certification signed by the me ( applicant ) before disbursing a private education loan. The XXXX is required on request to provide this form to prior to receiving the payment from the lender. At the time i initiated the loan application on XX/XX/XXXX, I was not given any additional resources besides skills fund loan program credit application.
Consumer complaint received 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

In XXXX I enrolled in a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed 5 years of my masters as a full time student and than was involved in an XXXX. Left with a XXXX XXXX I was unable to finish and obtain my license to make money. My student loans ( XXXX XXXX, XXXX and plus loans went into default ). 

I was granted XXXX XXXX According to XXXX- XXXX onset XX/XX/XXXX, date of entitlement- XX/XX/XXXX - medical review XX/XX/XXXX with a 3 year review status The treasury did a TOP offset to my check for $ XXXX. 

***Social security administratioXXXX NEVER reviewed meIN 3 years instead they forwarded me a letter that : *** I DID NOT NEED TO BE REVIEWED. 

It is now 7 YEARS LATER. 

According to XXXX discharge form with NELNET,- with a XXXX year NO REVIEW, I can ask that my loans be discharged. 

I forwarded NELNET the letter of no review needed by SSA. 

NELNET declined my TPD due to SSA having me listed as 3 year review! 

HOW DO I GET SSA TO CHANGE MY REVIEW LETTER TO 5-7 YEARS SO NELNET WILL APPROVE THE TPD DISCHARGE? 
I am currently still receiving XXXX  - XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Hi my name is XXXX purchase a moble home in XX/XX/XXXX with XXXX and when my account was transferred to wells fargo national bank it was paid off in XX/XX/XXXX then wells fargo took over and refinance me add a home owners insurance and escrow with out me knowing I did not sign anything for 8 years have paid over 45000.00 dollars just recently they maid me pay XXXX dollars his is terrible and they issued a forcloser and quick sale to me please help sign XXXX XXXX XXXX
Consumer complaint received 2018-11-03
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 have disputed the student loan accounts XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Dear FTC Commissioner : I would like to file a complaint against Experian regarding an unfair business practice. 
As you are aware, in the past when XXXX  and XXXX  gave consumers the ability to freeze and unfreeze free of charge, Experian refused to do so and charged consumers {$10.00} per transaction. The federal law now mandates that all credit reporting agencies allow consumers to freeze/ unfreeze their credit free of charge. It is apparent that Experian devised tactics for increased revenue which is unfair and burdensome for consumers. 
Yesterday, I logged on to Experian to unfreeze my credit and although I had input all the correct information, the website directed me to send in an abundance of materials, including ID, copies of social security card, etc to a XXXX XXXX XXXX to XXXX, TX. 
I called Experian and talked to a representative, and although he has all my information, he said he was not able to help me and that my only option is to send in all materials. He said it would take about 10 to 14 days. I told him that I need to purchase an automobile immediately. He agreed with me that by making consumers send in all necessary documents, it is quite burdensome and it has also affected him greatly with his personal matters. 
I have the basic Experian membership, which is free but they have all my credit background information. 
If a consumer upgrades to a paying membership, then there are privileges. 
This practice of requiring documents to be sent to their PO box is unfair to the consumers and reveals their very tricky and dishonest business tactics. It is cumbersome to consumers and forces comsumers to sign up to become premium members. Moreover, with all the identity thefts cases, how dare they ask for critical documents to be sent by mail. 
I would appreciate your investigation into this and exact a fine as appropriate. 
Sincerely,
Consumer complaint received 2018-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

i went to rent a house in XXXX XXXX fl in XXXX from XXXX XXXX for {$900.00} phone # XXXX mth i signed a lease. he gave me a chase bank XXXX # XXXX the chase bank act belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX the amount {$1800.00} first mth and depost. to find out he does not own the house and will not return mny and chase will not do nothing for me or cops. 
if u need anymore info please call me at XXXX chase bank wont do nothing about this Thank you, XXXX XXXX
Consumer complaint received 2022-07-11
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. (NY)

TransUnion is reporting a date of last activity of XX/XX/XXXX while the other bureaus are reporting different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). 

TransUnion also reports a last reported date of XX/XX/XXXX, which indicates that this account was never investigated and legally verified.
Consumer complaint received 2018-11-03
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. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX
Consumer complaint received 2018-11-02
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. (TN)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery has listed a debt on my list of creditors that I wasn't notified about through any form of communication. I was not afforded the opportunity to dispute unverified debt they purchased from XXXX XXXX XXXX division.
Consumer complaint received 2018-11-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I sent a letter to XXXX XXXX XXXX regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to XXXX XXXX XXXX back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my Experian credit report immediately.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I am submitting a complaint against Equifax because the company failed to correct the wrong information on my credit file despite the fact that submitting a police report that proves that I am a victim of identity theft. Unlike the other two credit bureaus, Equifax insists on keeping false information on my credit report which is not legal. Equifax is violating the rules and the regulations of the Federal Trade Commission.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (MO)

They reported something into collections in XX/XX/XXXX that was paid off years ago. I even called the debtor and they said there was a mistake, that I had overpaid and the collection would be removed. They mailed me a letter confirming I had overpaid and there was nothing due. But the damage was already done, my score dropped over 100 points and five months later the collection is still on my report.
Consumer complaint received 2018-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.
Consumer complaint received 2018-11-03
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)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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 ( account showing multiple times on my  credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account showing duplicate on my credit report XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AR Resources, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to XXXX XXXX creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and AR Resources Inc reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help