davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Payday loan, title loan, or personal loan — Payday loan
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. (VA)

The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in my credit.
Consumer complaint received 2023-03-17
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: FC HoldCo LLC (FL)

In accordance with the fair credit Reporting act my rights have been violated- 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions.

15 USC 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 2016-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

On XXXX XXXX, 2016 a lender paid on my behalf approximately {$43000.00} toward my federal student loans that are serviced by FedLoan Servicing. At the time of payment I provided instructions to FedLoan Servicing to apply the {$43000.00} to certain loans, specifically, the loans with interest rates of 6.5 % and 7.5 %, which I identified by their respective loan sequence numbers. Contrary to these instructions, FedLoan Servicing applied the {$43000.00} to the loans with the lower interest rates ( 2 % ). I immediately contacted FedLoan Servicing and advised them of the error and throughout XXXX received repeated assurances from FedLoan Servicing that the error would be fixed, e.g. that the {$43000.00} would be reapplied to the proper loans. Despite receiving these assurances and acknowledgement of an error by FedLoan Servicing, FedLoan Servicing has not fixed the problem and provides a raft of excuses each time I call customer service. This obstructionism is contrary to the policy on their website which states, inter alia, that " if you need us to reapply a payment you previously made, we can accommodate that as well. '' https : //myfedloan.org/borrowers/payments-billing/targeting-payments. Please help.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I checked my credit report and it shows there is midland credit management reporting to for a tmobile account. This account is shown to have been opened around the XXXX cramming sue which makes the amount not certain and needs to be immediately deleted from all credit bureaus.
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A validation letter was sent to the collection companies in dispute. According to FCRA guidelines, after 30 days of no response from a collections company from requesting validation, an immediate deletion would be in order, a letter requesting that deletion was sent to the bureaus and they have yet to act accordingly. As per FCRA guidelines they are now in direct violation of those guidelines and thus the reason for my complaint.
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient is not being truthful & is falsifying information. This is causing great financial hardship on my family. I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. With information breaches, identity theft, class action suits and found violations Navient knows the importance of doing a proper investigation. So far Navient is ignoring my requests, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. Each promissory note Navient provided indicates on the top of each application that it is valid through XX/XX/2002. In addition Navient claims I signed a promissory note for loans consolidated with Direct Loans, which is false. A previous student loan account was turned over to Direct Loans involuntarily because my original servicer no longer services student loans. And now these are with Navient. In addition the promissory note provided from Direct Loans does not include any loan amounts, which is very questionable. How can I agree to something without the specifics being explained, this is a violation of Truth in Lending? This is very disheartening that I have literally been disputing the loan amount for years. After many failed attempts to be gather this information I am hoping the CFPB can assist. What has been provided has not added up to the amount I agreed to paying & do not feel it is okay for Navient to provide a so called signed promissory note that does not provide that a agree to any said amount. Please do not simply provide a breakdown of what they are stating I owe. I want to see where I agreed to whatever said amount. I intend to pursue my rights to the fullest including litigation if this is not resolved quickly.
Consumer complaint received 2023-03-17
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. (GA)

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-13
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. (TX)

FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX  Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX  Date assigned XX/XX/XXXX XXXX XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX  : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX  TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MS)

AMCA Collection agency have listed this debt for several years representing XXXX XXXX XXXX XXXX. It was settled with one of their many collections agencies XXXX XXXX XXXX. I am sure this debt has been paid more than once, most recently XX/XX/2018. Either they of XXXX XXXX have not corrected their records.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections (GA)

Advance Bureau Collection is a thorn in my flesh, and they should be investigated as a criminal enterprise. My name is XXXX XXXX, and this company is harassing my little brother XXXX XXXX, a XXXX  patient and an Army Veteran along-side XXXX XXXX XXXX. They are attempting to collect a fraudulent debt that doesnt belong to him. I am his payee through the Social Security Administration, and he barely makes XXXX XXXX dollars a month. Supplemental Security Income is invariably exempt from garnishment, and other types of Social Security benefits are sometimes safe as well. No one other than the government can intercept or garnish his benefits. If a lawsuit results in a monetary judgment, the plaintiff must look to other assets for a collection that he doesn't have. 

Furthermore, XXXX knew they could not collect on a judgment when they tricked Advance Bureau Collection to purchase this illegal, and fraudulent debt ; even garnishment is improper. Advance Bureau Collection must be sanction and/or fined and I am reporting XXXX XXXX XXXX to the Georgia XXXX  XXXX XXXX  and Finance Department. Both of these racist entities can use racial slurs against me, but I will not stand idly by and let them use racial accusations against my XXXX  sick baby brother. I am seeking legal help from XXXX  legal defense fund since XXXX lives do not matter to these two racist and radical criminal enterprises. 

I will fight for my brother until I leave this earth. Then they had the unmitigated gall and the chutzpah to put this fraudulent debt on all three of his credit files. Advance Bureau Collection would not send him a debt validation letter per federal law. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

I submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has on me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work.
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

AFNI Last reported XX/XX/XXXX Open balance XXXX Opened- XX/XX/XXXX Account status- open Remarks- places for collections Original creditor name- 11 XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (TX)

I am writing to submit a complaint against Experian for noncompliance with the Fair Credit Reporting Act ( FCRA ). I recently received a response from Experian regarding the investigation of disputed items on my credit report. However, I believe that Experian has not fulfilled its legal obligations under the FCRA, as outlined in the attached letter. 

Despite my efforts to dispute inaccurate information on my credit report, Experian has failed to conduct a proper and reasonable investigation into these items, resulting in the disputed items remaining on my credit report. Furthermore, Experian has directed me to contact the credit grantors directly, which shifts the burden of verification onto me, in contravention of the FCRA. 

I demand that Experian take the necessary remedial actions to comply with the FCRA requirements, including the removal of all disputed items from my credit report and a new, comprehensive investigation into the disputed items. Additionally, I request that Experian notify all creditors and credit grantors who have received my credit report in the past six months of the corrected information. 

I have attached the relevant correspondence and documentation to support my complaint, and I request that the CFPB investigate this matter promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This dispute involves an issue we have with USAA. 

In summary, we paid USAA in full for my husband 's credit card.Due to their internal policies, they sent the money to their insurance department even though we did not have an an insurance product. 

Since USAA could not redirect the funds from Insurance back to Banking, USAA Banking reported the credit card balance of {$1200.00} as charged off. In addition, they continue to report it as late every month. 

All of our attempts to resolve this issue with USAA have been rebuffed. They have told us that there is nothing that they are willing to do to remove the chargeoff. In addition, they have told us that they will continue to report this account to the credit bureaus as late every month indefinitely. They have advised that there is no-one at USAA who can stop that reporting and/or they will not tell us who may be able to do that. They advised that even if the debit were paid again, the late payment reporting will not be stopped. 

I can not see how it can be legal for a company to give a consumer zero options to prevent the reporting of late payments. Can you please advise if we have any options? 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNCOAST CREDIT UNION (FL)

I the consumer/ natural person and original creditor. SUNCOAST CREDIT UNION has violated the Fair debt Collections Practices Act and I have exhibits of the violating me the consumer. SUNCOAST CREDIT UNION is only a credit grantor which is someone who conveys ( to transfer or deliver ) property to another. Truth in Lending Act 15 USC 1602 ( g ) creditor refers only to a person who both extends ( lend to self ), whether in connection with loans, sales of property or services. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by SUNCOAST CREDIT UNION that I authorize during consumer transaction but I haven't benefited from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein affidavit of truth being serviced to you today and affidavit unrebutted standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce. They also received my notarized affidavit in the mail XX/XX/2020.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MN)

I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called XXXX XXXX XXXX ( " XXXX '' ) claiming that I owed several hundred dollars in credit card debt for a card open under Synchrony Bank. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with XXXX, I immediately called Equifax to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of them is informed of a fraud alert, the others are also informed ). I then called Synchrony Bank to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called XXXX back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a Banana Republic/Gap card issued in some kind of partnership with Synchrony Bank. On this second call, XXXX stated that I should send them any documents related to my contesting of the charges. So, I then called Banana Republic credit card services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific PO box in XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, XXXX also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.
Consumer complaint received 2020-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION (MN)

Onemain Im filing a formal complaint on your company due to the fact that per the Fair debt practices act your company is in full violation of the federal law after reviewing my credit report I noticed that you failed to enter the required noticed of dispute on the tradelines that you are reporting on my credit report. XXXX   and XXXX have both Certified that you have indicated that the account is reporting correctly on my credit files. I beg the different due to the fact that you have violated the federal law but not entering the required noticed of dispute with out this information this can not report on the consumer report I will he sending in months of dispute with both reporting agencies state that you verified the information and it was your responsibility to note this anytime a investigation has been conducted via the credit reporting agencies and the creditor the way this looks to me is their was no investigation was conducted please delete this account from all four of the credit reporting agencies for violation of the FCRA you have hurt my ability to obtain jobs and to get anything in my name by your negative and inaccurate reporting. Let me know when you delete this tradeline as the law is very clear about 100 % reporting. So I can obtain a new and updated credit report. 

Onemain account number XXXX
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute  XXXX   XXXX    XXXX   XXXX   #  XXXX  on credit report number  XXXX . The ratiing listed on the account is incorrect. Please delete the account.
Consumer complaint received 2023-03-17
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: Financial Accounts Service Team Inc. (GA)

The XXXX Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}