davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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. (NC)

I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau
Consumer complaint received 2021-01-29
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. (NC)

I can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX XXXX, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (MN)

Equifax I got a update on payment status change on a sync bank account that account was in violation of the Fcra for reporting late payments on a charge off I got an alert just now that it was changed did you guy 's do a complete investigation on this account or did your office change it? just curious
Consumer complaint received 2019-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

My daughter had a payout from a lawsuit when she was a child. The money was placed in USAA Federal Savings Bank in a mutual fund account under a guardian conservatorship account, myself and her Father were listed as conservators. This account came with restrictions, that money can only be taken out by court order. My daughter is now XXXX years old. At XXXX all restrictions were to be lifted off of the account, by court order, and the account was be transferred in only her name. We recently tried to access the money to withdraw some for personal use and to either put the money into either a mutual fund or a CD, in only my daughters name. Even though we have provided the court order that removes the restrictions and have filled out the change of account form and requested to open another account, USAA has refused to service the account. The mutual fund is still under conservatorship with restrictions. They have not opened a mutual fund in her name only and have refused to give her access to her money.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Credit Card company constantly sends me pre approval prequalification letters. When i go to apply i am being denied each tike because of violation with a previous account. So i have touched base with Capital Ones CEO office who confirmed they can not validate the account was mine and the information would be removed in 30 days. They never removed the information apparently. Then i get a call from the executive office claiming they did an internal investigation and saw an account in relation to me. I explained i supplied many FTC identity reports and police reports regarding my identity theft. they refused to supply me with investigation findings and the rep stated the information i provided him does not match the 2016 account created. I stated i was under age in 2016 and could not have possibly gotten a credit card. This accounts has never been populated on my credit reports. No inquiries ever from 2016. I have been promised to have this cleared up and they are refusing to clear it up. They have sold the account and the company they claim to have sold it to claims they could not validate the account was ever mine so they were forced to delete the account. Capital One is violating my consumer rights. They are not following up in 30 days they are not supplying me with investigation findings, they do not have my signature, my identification, my correct address, my consent. I HAVE NEVER HAD A CAPITAL ONE ACCOUNT AND NEVER PROVIDED A CAPITAL ONE STATEMENT.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (WA)

- Had contacted NFCU about claims being closed before, rep from NFCU indicated all the documentation is something like a proof of purchase or something like a proof of return. 
- All claims are closed ( see attached ) claiming I did not provide the documentation.
Consumer complaint received 2021-01-29
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. (NC)

I can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX  ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX Authority, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Consumer complaint received 2019-06-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have private student loans with Navient which I have been struggling to pay because of their request for a high monthly payment and have also struggled to secure a secure salaried job. 

From XX/XX/XXXX to XX/XX/XXXX I was a XXXX XXXX XXXX and was not able to continue making the monthly payment amounts they were requesting. I made payments while in service as a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

In XX/XX/XXXX I was sent a summons by Navient 's debt collector agency called XXXX XXXX XXXX XXXX XXXX, XXXX, which is presented as a law firm. I went to court on XX/XX/XXXX and agreed to a repayment plan of {$45.00} a month until XX/XX/XXXX. 

My concern is the total amount of loans I have with Navient will be placed with the collection agency XXXX, XXXX XXXX XXXX XXXX, XXXX and I would like to have a feasible repayment plan for the total amount of student loans I have with Navient.
Consumer complaint received 2020-09-14
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. (MS)

THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (WA)

Sirs, I have a HELOC account with ThirdFederal Savings & Loan. I have setup monthly payment thru signed documents for the regular and specific principle payments. This should satisfy the regular payment obligations with this loan account. 

Every time I make any additional payments online [ thru ThirdFederal site ], I choose the option for applying the additional payment amount towards PRINCIPLE ONLY [ Two options are there - Regular or Principle ]. However, every such additional payments are being processed in such a way that part of the amount is taken to Regular/Interest payment First and what is left is considered towards Principle. Contacted ThirdFederal on this and I was told that there is disclaimer at the online payment screen indicating this process and what they do is legal. 

Could you please help me with the following : 1. Is it legal to disregard Principle only payment instructions and use the money in a way consumer did not request for?

2. Who can help to get this process changed so that Principle only payments and Regular payment options are treated the way consumer is requesting. 

Thanks Consumer
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have contacted this company several times about 2 accounts for XXXX XXXX. I have 3 accounts on my credit report. The 1 that is actually mine has been paid off. These two that were bought by Portfolio Recovery, LLC. The balances are {$450.00} and {$420.00}. I asked wrote this company over 4 times requesting specific validation of the debt, including signed contracts. The only thing that I was sent was a billing statement for the account with the {$450.00} balance. I have called and requested validation and was told that information could not be sent out because debt is too old to dispute. I was told that if I did not submit a settlement offer they would notify my employer. And I paid they would remove information from my credit reports. I submitted an offer and they denied it as well. I have tried everything possible to dispute the debt and have it removed. I have only had 1 XXXX XXXX account but Portfolio Recovery will not assist with validation or removing the debt.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I called Trans Union LLC on XX/XX/2019 to request their company remove 13 inquiries that were re-inserted to my report by their company. I called them to inform them of their error, but they unfortunately refused to help me resolve this issue despite the fact that this error originated with their company.
Consumer complaint received 2020-09-14
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. (NY)

I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long
Consumer complaint received 2019-06-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " XXXX XXXX XXXX XXXX. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I received a Promotional balance transfer offer from the card issuer. I took advantage of this and requested a balance transfer of {$23000.00} that was processed on XX/XX/2019. The card issuer mailed a check in the amount of {$23000.00} to the receiving bank. Since the receiving bank did not receive the check until XX/XX/XXXX, I called the card issuer and requested a stop payment on the check ; however the check was received by the receiving bank and cleared my account. I confirmed with my receiving back and then called the card issuer and informed them that they may cancel my request for stop payment since the check was received and posted. However, the card issuer classified my stop payment request as " Provisional Credit '' and then my cancellation of stop payment request as " Provisional Credit Reversal '', both on XX/XX/2019. Then, they re-classified the original balance transfer check of {$23000.00} that went through as " Charge Adjustment '', which is now being subjected to the interest rate for revolving balance. While in fact it should have been subject to the promotional rate of 0 % that I was offered and took advantage of. My account has been in good standing and I never missed any payments. 

On XX/XX/XXXX, I noticed a finance charge was imposed on my account and after repeated calls to the customer service, I was able to get the charge waived off on XX/XX/XXXX. Many customer service agents have assured me that this is a mistake on part of the card issuer, and they will fix it. But still, I was again charged a finance charge on XX/XX/XXXX. I again called the customer service, and they assured me they will fix it. But until now nothing has happened. The card issuer is not following proper business practices - they are offering promotional offers and when we take advantage of these offers, they are trying other methods to impose finance charges. Please escalate this and correct this situation. Thank you.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I am writing today to request the help of the CFPB with my dispute with National Credit Systems , Inc . They have purposefully violated my rights under Section 1692g of the FDCPA and the FCRA for furnishing data to XXXX  and XXXX  when they have not properly validated this alleged debt. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from National Credit Systems , Inc. regarding an alleged debt. On XX/XX/XXXX I responded with certified documents disputing this debt. National Credit Systems received these documents on XX/XX/XXXX at XXXX XXXX - document evidence attached. As of today, National Credit Systems , Inc. failed to respond to my request for validation and have violated 15 U.S. Code 1692 ( g ) validation of debts, which states, the debt collector must cease collection of the debt, including credit reporting until the debt collector obtains verification of the debt and is mailed to the consumer by the debt collector. As of today, XX/XX/XXXX National Credit Systems , Inc. has not provided this information, yet, has listed this alleged debt as a derogatory account with both XXXX  and XXXX. National Credit Systems has even noted the account with both credit reporting agencies as " Account information disputed by consumer, meets FCRA requirements '' ; however, never fulfilled their obligation.

Please note, in light of the KNOWN issue with the United States postal service delivery, I can not be held responsible for the delay in mail delivery. For this reason, I have attached proof of delivery that shows I was well in the timeframe of the 30 day notification period. National Credit Systems , Inc. did not make any internal adjustments to their processes ; instead willfully chose to be in non-compliance with the FDCPA and FCRA.
Consumer complaint received 2021-01-29
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. (CA)

XXXX promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, Transunion misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, Transunion continue to inaccurately report for several years.
Consumer complaint received 2023-01-09
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.