davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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. (MI)

I received a denial for credit letter from XXXX to XXXX XXXX XXXX loan dated XXXX XXXX.I filed a complaint with CFPB on XX/XX/2019 complaint XXXX stating I never apllied for credit with this company.CFPB response was to file a complaint with DFIC.I did file complaint right away.I received another denial letter from same company dated XXXX XXXX through XXXX XXXX for a freedom plus loan.I inquired from simple path about a loan in XXXX XXXX path shows on credit reports for loans based on credit score/credit.I only inquired and now im getting denial letters.I never gave any companys permission in this complaint to run my credit for hard inquiries.I have noticed lately alot of calls from freedom plus to consolidate my debt for a fee or debt counseling/repair for a fee.I finally blocked there number cause they call alot
Consumer complaint received 2023-01-20
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. (NY)

Consumer reporting agencies Transunion, XXXXXXXX XXXXXXXX XXXX and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Consumer complaint received 2020-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

credit collection services has place a collection on my report for the third time after I disputed it, and had it removed two times and yet they are still putting it back on my credit reports inorder to keep my credit profile and bad standings. This account is not accurate.
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC. (CA)

ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what to do.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (NY)

I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company PHH mortgage provided mortgage services to my account but was never the lender or owned my mortgage. Phh mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but phh mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MN)

So the issue I have is with the Bluebird service ... I was a customer for some years ... but in XX/XX/2019 everything was going well ... my employer was direct depositing my pay into this account when one day i got notice that my direct deposit was refused ... this occurred on XX/XX/XXXX along with an email stating i violated some sort of member rule. I tried calling them but as my phone number was linked to my account they simply wouldn't put me through to a person. At the time as my account was randomly closed i decided to sit and wait for a check of my balance on the card .... it ... NEVER ... came ... fast forward 7 months and we are now pushing XX/XX/XXXX ... and every month i'm getting a statement email telling me i have this money in my account ... however, my card is shut off, and i can't talk to anyone ... so essentially they are holding my money hostage ... I have all the emails to prove what has happened ... I just want my money back and to never ever ever EVER deal with bluebird again.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TCF NATIONAL BANK (TX)

There are actually a few issues here, one the illegal practices this company uses to collect a payment i.e spamming me outside of legal hours and more than the legal amount and using threats as well as aggressive behavior to try to collect a debt which is illegal in the state of Texas. 

The company has also added a mass of fees onto my account which isn't correct, the original loan agreement was around XXXX including tags title and interest that was on everything I originally signed for the car. The debtor now states the whole amount was XXXX which isn't right at all. 

Debtor has hung up on me, doesn't answer customer support calls or have voice mail service or respond or have valid email contact adding to late fee 's and issues. Extra fee 's were never voiced to me nor did I agree to any additional fee 's outside of the base of what I owe. 

online login doesn't work, advised this to debtor several times however they never fixed the issue, there is also no option to split payments through the site if you are 1 day late or 2 it would make it 2 car payments rather than just being able to pay one off and paying the 2nd off when you are able to.

Debtor has made comments about my medical condition and fianc 's that was not at all legal or appropriate. If you review all of the review pages for debtor you will find many complaints about debtor adding fee 's to other people as well as customer reports against them through the XXXX   and other sources. 


As this company is exhibiting illegal collection practices and illegal billing practices this needs to be looked into further.
Consumer complaint received 2019-10-31
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. (NJ)

Late XX/XX/XXXX : Contacted XXXX. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX: Called XXXX to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled XXXX again.
Consumer complaint received 2017-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Federal Credit Control, Inc. (FL)

I have a currently have to collection accounts listed on my credit report by a debt collection agency First Federal credit control on behalf of XXXX XXXX XXXX XXXX, in the amount of XXXX and another amount of XXXX. First Federal Credit control is not license in the state of Florida and therefore I am disputing this collection account
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX Act Number # XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX Pinnacle LLC Resurgent Act Num : XXXX Pinnacle LLC Regurgent Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AMERICAN EXPRESS COMPANY (WA)

I mailed a check for {$370.00} on XX/XX/20 and I have been calling bluebird every single day for the post 20 days. Not once have I spoke with anyone. I contacted the bank bluebird is accossiated with and the just two me to call the number I have. I XXXX emails n other phone numbers that could possibly be a link to bluebird and I got ahold of the checking Dept that send s checks out for bluebird accounts. This was the closest to making progress than I have in the last 3 weeks. Unfortunately this Dept knew aboutsolutly nothing. I actually felt uncomfortable with knowing people with no skills, education and training is affiliated with my banking. Let me put it this was with describing how the conversation, I have had better conversation s with a rock. I am a single mom that had lost her job, I can't put food on the table everyday, im losing my house and I need every XXXX I have to provide for my XXXX yr old son. Please help me. I don't know what else to do.
Consumer complaint received 2023-01-20
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. (SC)

Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what II requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} violation XXXX XXXX XXXX never late update to I uploaded proof below please have them follow the law and have them to delete accounts listed below and I would like to get compensation under the ( FCRA ) because these accounts been inaccurate for years and they have been getting away with it and XXXX emailed me a fraudulent contract when I requested for the original. I signed in pen and XXXX and an electronic signature. I believe it's fraudulent
Consumer complaint received 2023-01-20
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (IN)

Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. 
I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). Unifund CCR , LLC. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Unifund CCR , LLC. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). 
This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. 
Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692e ( 2-A ).

4 ) 15 USC 1692g.

5 ) 15 USC 1692a.

6 ) 15 USC 1692e ( 5 ).

7 ) 15 USC 1692b ( 2 ).

Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692c ( B ).

4 ) 15 USC 1692c ( A ).

5 ) 15 USC 1692b ( 2 ).

Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). 

I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.
Consumer complaint received 2023-01-20
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. (NC)

In accordance with the fair credit reporting act the list of account below has violated my federally protceted consumer right to privacy and confidentiality under 15USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1.5USC1681 SECTION 602 states i have the right to privacy.15 US1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681 [ a ] 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 conviction of crimes which antedates the report by more than sever years .15 USC 1681 -2 [ a ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata.
Consumer complaint received 2023-01-20
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. (NV)

Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (WI)

In XXXX of XXXX, Santander hired a towing company to repossess a XXXX XXXX XXXX from residents located in XXXX, WI. During the reposition attempt, the towing company driver was told to leave premises, which he did however, the repossion agent called the XXXX police and told them that a XXXX was pointed at him during the repossession. The XXXX police came to the residence a handcuffed me, removed from the premises so the reposession agent could take the vehicle even though I contested the repossession the first time. Santander and the repossession agent were found guilty of violating Wisconsin state law and federal laws in federal court in the state of Wisconsin in the city of XXXX and arbitration was done to settle the federal court case. Now Santander is sending a XXXX to the IRS for the debt they incurred on because of the violation of the law. This should not be incurred as a debt or income for the year based on the fact that this was a settlement from a damage hearing incurred by their violation of state and federal laws.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (NY)

XXXX XXXX-opened and account with Ginnys. XX/XX/2020 I attempted to make a purchase from Ginnys. They immediately started new account triggering a hard inquiry. I asked why and they stated it was the policy to open a new account for each purchase to see if i'm qualify. I asked why since the money was already available in my account for the purchase and I was not asking for more. I then requested that the hard inquiry be removed from my credit report. I made more than 3 calls regarding this matter and was then told it will be removed from my account in 30 days. I have made several calls since and it is still there. The only thing closed was my original account and they transferred my balance to the new account that they made. I have since closed my account with them and making my payments.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( XXXX XXXX XXXX XXXX XXXX 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!
Consumer complaint received 2020-10-21
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. (CA)

There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed
Consumer complaint received 2022-04-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XXXX  when I enrolled at XXXX XXXX XXXX in XXXX, I believe Sallie Mae ( now Navient ) was predatorily taking loans out to " continue '' my enrollment within the school. During my stay within XXXX I was constantly pulled out of class to quickly sign loan paperwork to " secure '' my enrollment in the program. Totals exceed XXXX XXXX dollars and particulars can be provided if needed. 
I have attempted to remedy and pay off these outstanding Loans with Sallie Mae and now Navient to no avail. I have enrolled in " repayment '' programs to only be more in debt or default.
Consumer complaint received 2021-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (MN)

XXXX co-signer release form invalid signature. 

New application started. 
XX/XX/2021 co-signer release application call us letter. I called and the costumer service operator advised no information was needed and the application was goi g to be processed. 

XXXX co-signer release application call is letter expiring letter. 

XX/XX/2021 co-signer release reapply letter. 

I called on XX/XX/2021 at approximately XXXX hours because the system stopped sending me emails when I have new messages on their website. The last message I received was in XX/XX/2021. 

The operator advised me that they took too long to process the application and it expired, and they have to start over. She said I had to send me a new reapply letter and I would have to start over and they were going to pull my credit report again.