davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
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)

consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies XXXX, XXXX and Experian I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION EXPERIAN IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I paid off a line of credit with Citizens One on XXXX via phone and requested my account be closed. I called again on XXXX as account had not been closed and was told I needed to call back 30 days from payoff date to request. I called on XXXX and again requested the account be closed and was assured I would receive an e-mail confirmation within a week. I called yet again on XXXX as the account still remains open and was told a supervisor was now involved and expediting my request and that I should receive an e-mail confirmation within a week once the account was closed. As of today, XXXX the account has not been closed. PLEASE HELP ME CLOSE THIS ACCOUNT.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

Beginning in 2018 I informed Navient that I was not a cosigner on a loan for my XXXX.  I had been a cosigner on a loan for her that I paid off completely but was not a cosigner on another loan through Navient. I did make payments to the second loan as a courtesy to my XXXX who was struggling financially but never signed on as a cosigner.     I went through an extensive process with them that required filing police reports and obtaining a large amount of documentation.  They indicated that since I made payments on the loan it indicated that I was responsible for it and they considered me a cosigner.      I wrote to them many times without response.  My Attorney alsop wrote to them without response.  I indicated that I would be happy to litigate their claim but that until it is resolved  they should not impair my credit.   However, they have severely harmed my credit and caused me to have to pay much more on the mortgage for my home and laon for my automobile    Navient remains unresponsive to my requests to not harm my credit and/or to litigate their claim.
Consumer complaint received 2021-12-02
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. (GA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Social Security Number : To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$360.00} on XX/XX/2021. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-05-26
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)

I contacted XXXX XXXX XXXX and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Consumer complaint received 2021-05-05
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. (AZ)

I expect the credit agencies to do there job and abide by my written request in the letter enclosed they need to give me the information requested or delete the file by law
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is a follow-up complaint against Equifax. 
Please reference original complaint file : XXXX Equifax did not perform review, and correction of my account. 
I am attaching additional supporting documentation. Additionally, I have summarized the prior complaint to ensure all information is at hand for them to understand my concern. Most importantly, because I come in good faith, with the sincere hope that providing all information will help correct my credit report in reasonable time.
Consumer complaint received 2020-11-23
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. (MI)

I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/2020. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I met the qualifications for Citigold Checking 's Promotion for XXXX XXXX XXXX XXXX ( Promo XXXX ) on XXXX XXXX, 2016. This information was confirmed via letter XXXX sent from Citibank on XXXX XXXX, 2016. In the letter it states " allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' It has now passed 90 days, and there are still no XXXX XXXX miles deposited into my account. I have called Citigold 's customer service team on various occasions to follow up on this promotion, but unfortunately no compensation for receiving the promotion has been given. While I tried to work with Citigold 's customer service team to resolve this issue, I am now resulting to filing a claim over 100 days after meeting the promotion requirements. Thank you for taking the time to review this request.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a COVID death in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Novea Portfolio Management LLC (MN)

XX/XX/ received odd phone call from *restricted* number stating I had a pending court hearing with XXXX County on XX/XX/ @ XXXX and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute XXXX ( XXXX ) XXXX and a file number of XXXX. 

XX/XX/ I contacted XXXX  ( XXXX XXXX XXXX ) and spoke with XXXX XXXX at XXXX. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX to validate everything. He said ok and to give a call back. 

XX/XX/ I contacted original credit card vendor XXXX and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact XXXX and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment. 

XX/XX/ received phone call from XXXX at XXXX. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX and then hung up on me. 

XX/XX/XXXX received second phone call from XXXX at XXXX. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''
Consumer complaint received 2021-05-26
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. (SC)

XXXX XXXX XXXX is trying to collect a debt that i do not owe, and they are reporting this debt to the Consumer Reporting Agencies. XXXX XXXX XXXX has yet to provide proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., Oct 29 2002 ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. XXXX XXXX XXXX  has yet to send me any of the items mentioned. This debt is deficient of physical verifiable validation, plus this is a debt i do not owe. They are reporting this debt to all three credit bureaus which is hurting my reputation. If XXXX XXXX XXXX does not have this collection account removed from my all three of my credit reports i am prepared to go to court for violations of the Fair Debt Collection Practices Act, 15 U.S.C 1692 ( hereinafter " FDCPA '' ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices., and file compliant with the Attorney General of my state, and file compliant with the XXXX.
Consumer complaint received 2024-02-03
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. (OH)

I recently received a copy of my credit report and I noticed a lot of inaccuracies on my report. I reached out sent letters and proof and still no response in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (NC)

I am disputing this here AGAIN, because XXXX has placed someone elses name on my credit report under Responsibility How is another person that has their name on my credit file, offers due process? They cant! I did not authorize anyone to put someone elses name on my credit file relating to any specific account and I most certainly did not give XXXX permission to report another persons name on my credit file and I have never seen such a thing! This can not be legal because it does not offer dispute or due process under fair credit reporting and this has to be a beach or someone elses rights and right to privacy.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NJ)

XX/XX/XXXX I submitted a dispute/validation letter to XXXX XXXX XXXX a.k.a XXXX XXXX which was received by XXXX XXXX via certified mail on XX/XX/XXXX. 

XXXX XXXX XXXX a.k.a XXXX XXXX failed to respond to my validation request and further sold the unverified, invalidated account to Commonwealth Financial Solutions. 

XX/XX/XXXX I spoke with a XXXX XXXX who identified herself as a supervisor. I asked Ms. XXXX how, or when did Commonwealth Financial contacted me regarding the debt her agency has posted to my credit profile. Ms XXXX stated prior to my phone call of XX/XX/XXXX, no effort to communicate the debt was made, rather, the only effort was to past the derogatory information to all credit bureaus. 

I further asked Ms. XXXX when was the debt sold to Commonwealth Financial Solutions by XXXX XXXX. Ms. XXXX stated the debt was received " in-house '' XX/XX/XXXX, processed XX/XX/XXXX, and from the information reported on my credit profile, they submitted the derogatory information XX/XX/XXXX. 

I further asked Ms. XXXX if she was aware that I had submitted via certified mail a letter to XXXX XXXX XXXX a.k.a XXXX XXXX requesting validation of the account two ( 2 ) years prior, to which I did not receive a response from Ms. XXXX.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

5 Clients with possible information Breach Inbox XXXX XXXX XXXX XXXX XXXX, 2022, XXXX PM ( XXXX hours ago ) to XXXX : me Dear XXXX family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and XXXX additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud. 

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX XXXX XXXX TransUnion XXXX. You only need to place XXXX fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IL)

I was a domestic violence victim and my card had been stolen and used numerous times. I reported this to the bank and they punished me by not allowing me to use my debit card. I can receive deposits but it's almost impossible to make withdrawals without an atm card. I believe that I have been racially profiled. I did not receive a restriction on my account until I told the fraud department my ethnicity. The bank is making it almost impossible to keep my balance from going negative. I provided all that Navy Federal asked for and my account was still restricted. This bank has been investigated and has had to pay out a class action suit regarding overcharging customers. I believe I have been targeted and I feel like I'm being abused and victimized all over again. Please help.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

XXXX XXXX charged me late fees and interest on payments I made in plenty of time. 
I overpaid {$98.00} on XX/XX/2021. 
I WASNT LATE IN SENDING BUT THEY CLAIM MY PAYMENT IS 1 to 2 DAYS LATE AND THEN CHARGE ME LATE FEES AND INTEREST CHARGE AND FINANCE CHARGE. 
LATE FEE XXXX. {$29.00} XXXX {$31.00} XXXX. {$38.00} XXXX. {$38.00} INTEREST CHARGE XXXX. {$2.00} XXXX. {$2.00} XXXX. {$2.00} FINANCE CHARGE {$2.00} I WAS CHARGED ALL THESE FEES WHEN I PAID ON TIME BUT THEY DIDNT RECORD UNTIL PAST DUE DATE. 
I overpaid {$98.00} They paid me back {$94.00} They owe me all the fees above and {$3.00} that I overpaid. 
TOTAL OWED TO ME {$140.00} THEY HAVE CLOSED THIS CASE AND I BELIEVE THEY OWE ME THE ABOVE.
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (NV)

Experian/Clarity/XXXX on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ XXXX