davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-30
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. (TX)

Navient student loan put me in an repayment plan forbearance, didnt explain properly what it is and now i have XXXX  monthly payment i cant afford, tried asking for income driven repayment declined and gave me forbearance which has doubled my debt.
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (OK)

World Acceptance of XXXX Oklahoma has called my place of work and asked for my boss then hung up multiple times ( I have no clue why they would want to speak to my boss but he is a lawyer and I knew he would tell them off for the illegal actions they were committing but they kept hanging up before I could get him ) then when I did talk to XXXX XXXX a loan officer with World Acceptance she threaten me with legal action and then again with taking my collateral which I told her she had to do what she needed to do but not without a court order and this made her mad so that is when she started calling my job and hanging up ( I have photo evidence of her calling my work phone ) then I went to a local high school football game with my husband and children and XXXX was there, and when she noticed me I was taking my child to the concession stand well she stepped out in the walkway and stared me down I just smiled and nodded my head and went around her ( I'm XXXX I'm not going to fight you because I told you to do your job the right way ) then on our way back through from the concession stand she was telling everyone she was with ( about 6 or 7 people ) about how I was a no good piece of XXXX and that I refused to pay ( which is a lie, I told her when I would pay she just refused to listen and was more interested in threatening me ) so I had to set at this football game with all these people giving me the death stare, I was afraid they were going to jump me. well I went to World Acceptance to make a complaint and XXXX XXXX told me that when I made a payment then she will look into what XXXX did. XXXX also told me that if I don't pay they will hunt me down and I will never get another job she said to me that hunting me down for {$600.00} is how she feeds her kids and she made me feel completely unsafe I live in a small town I feel like I need protection now. I also had to serve them a cease and desist order but they have ignored it and gotten more violent.
Consumer complaint received 2020-09-22
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. (CO)

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to XXXX XXXX. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Utah System of Higher Education (UT)

XXXX/Utah XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY XXXX CARDS. THEY REPORTED ME LATE IN XXXX AND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY XXXX XXXX DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.
Consumer complaint received 2020-09-22
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. (CO)

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to XXXX XXXX. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Consumer complaint received 2019-10-30
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: BARCLAYS BANK DELAWARE (VA)

This complaint stems from the credit card company failing to resolve two disputed charges on my credit card statement within the required 90 day period. Two charges showed on my card after I had returned two items ( XX/XX/XXXX and XX/XX/2019 both for {$160.00} each ). I raised a dispute in XX/XX/2019 ( letter states it was initiated on XX/XX/2019 ) by phone. A letter received XX/XX/2019 was sent by the credit card company to me asking for additional information after being contacted by the merchant ( who provided their online policy, nothing else ). I faxed a response within 10 days of receiving the letter to the credit card company detailing that the merchant did not honor its return policy and provided additional information to that effect. A resolution was then mailed to me on XX/XX/2019 stating that the credit card company could not do anything. This response was far after the 90 day period required under the FCBA.
Consumer complaint received 2017-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC opinion letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Peoples Commerce Inc (PA)

Car is a buy here, pay here loan place. The car loan was placed on a car that had immediate problems with the transmission, radiators, overheating, almost as soon as I bought the car. They place a lien on my credit even though I paid off, I entered in to an agreement that I was unaware of the terms especially with early terminantion.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items from my report.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have sent several documentation to XXXX  regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I received a final bill notice from XXXX XXXX in XXXX and XX/XX/XXXX. 

When I spoke to a representative at XXXX XXXX I was told this bill originated from a request to turn on gas in an apartment in Rhode Island beginning in XX/XX/XXXX. 

I lived ( and still live ) in XXXX, MA and did not open a XX/XX/XXXX account in the XXXX, Rhode Island address. 

I never authorized anyone to open a XXXX XXXX account in my name for the XXXX, RI address. 

I contacted the company twice by phone call in XXXX and XX/XX/XXXX to report this but I never received help for this issue. 

I contacted the company twice by mail to fight this account being charged in my name as well during XX/XX/XXXX. 

As of now, the account is in collection for {$110.00}.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, 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 ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAPIO PARTNERS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

Convergent is in violation of 15 U.S. Code 1692e for false or misleading representation. Was told by a Convergent agent that I was paying for a delete upon paying agreed amount. Was told that account would be removed from my credit profile within 30 days. Account still reporting
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

This complaint is against LVNV FUDING LLC. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with XXXX XXXX XXXX delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of LVNV FUDING LLC? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with LVNV FUDING LLC remove and delete this immediately. Why is there a date opened? I have never opened an account with LVNV FUDING LLC and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NJ)

I paid my Honda Financial Services loan off in XX/XX/2019. I have yet to receive the title or lien release letter despite multiple calls to their customer service number for New Jersey. I'm told these documents have been mailed, but I've never received them. The hold times on calls to customer service exceed 30 minutes ; today it was 58 minutes.
Consumer complaint received 2020-05-19
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX XXXX {$7600.00}
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 an account without my handwritten instructions.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC (WI)

XX/XX/XXXX, XX/XX/XXXX and many other random dates I do not have recorded as many different numbers keep calling. An amount was never given only that a debt is owed from XXXX when I know I do not owe this debt. It is out of statuate of limitations for my state and there was literally no mini Miranda read letting me know who or what this entails. They are all very rude and wouldnt all a word in. Asked to speak to their attorney as it is in a pre legal status was called out of name told to pay my debt and hung up on. Have asked many times to not be called. Was told will keep calling. No credentials ever given but first names. XXXX and a XXXX XXXX. I am a XXXX XXXX and know my rights.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/XXXX Comenity 's website reminded me that a promotional balance of {$470.00} expired on XX/XX/XXXX and that I must pay this to avoid being charged accrued interest. I paid the balance, but only {$17.00} was applied to this balance. The remainder was applied to a different promotional plan that is not expiring soon, and my minimum payment. Comenity 's website offers no way to specify how to apply my payments. I have to message them, but I am met with resistance when I attempt to reapply my payment as intended. I believe their website is misleading and deceptively designed to make it so I can not pay the balance without reaching the expiration date and being charged the accrued interest from the promotional period. 

I faced a similar back and forth with comenity in XX/XX/XXXX regarding a {$920.00} payment on XX/XX/XXXX and {$670.00} on XX/XX/XXXX. 

Ultimately, I have NEVER been able to pay promotional balances with comenity without spending an exorbitant amount of time contacting them to try and apply these payments as intended.
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX XXXX XXXX contacted me in XX/XX/XXXX about a debt. On XX/XX/XXXX, within the 30 days I had to request validation of said debt, I sent a validation letter. I had received nothing in return until XX/XX/XXXX when I received notice of being sued by the company 's attorney. According to FDCPA they are in violation by trying to collect on a debt they never validated.
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I received a letter stating it was a follow up letter from ARS ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XXXX XXXX 2017 and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.