davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (TX)

POSSIBLE FINANCIAL is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( POSSIBLE FINANCIAL ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( POSSIBLE FINANCIAL ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. POSSIBLE FINANCIAL can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from POSSIBLE FINANCIAL for the cancelled debt in order to file as ordinary income. Where is my 1099-C POSSIBLE FINANCIAL is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! POSSIBLE FINANCIAL has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In POSSIBLE FINANCIAL terms and conditions they agreed not to share my information with non-affiliates. XXXX and XXXX is not an affiliate of POSSIBLE FINANCIAL nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given Transunion, XXXX, XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-11
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC (AZ)

We have told them repeatedly that we will be going through bankruptcy. ( Will be filing next week ) please come and get the vehicle. Since then somebody named XXXX has called my wife and I daily wanting the attorneys name. We are self representing with the help of an independant paralegal. Even after being informed she continues to call us daily. I told her repeatedly just come get the vehicle. She sltill persists.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

Navient has a history of misapplying payments on my student loans. As they've admitted in the past, there were delinquent marks on my credit ( and co-signer ' credit ) for years that they refused to fix, in addition to late fees. I filed a previous complaint against the company, Navient. Navient admitted to issues with the payment processing on their end and stated payments were set up incorrectly. I previously spoke with their office of the consumer advocate ( associate XXXX XXXX XXXX about a year ago with respect to this issue. 

Since then, I've had to renew my payment plan. I recently received correspondence that my account is being reported over 40 days past due with late fees/credit reporting again. I contacted Navient, and they stated that the payments are again being applied incorrectly on their end. The recorded calls with the company will demonstrate all of this. 

It's clear at this point that Navient has engaged in negligence, bad debt practices, breach of contact, infliction of emotional distress, and the like. They are unable to competently set up a payment plan and apply payments in correctly, which has resulted in continued harassment for myself and by co-signers. I've attached proof of this non-compliance to this case in addition to a recent past due letter that I've received.
Consumer complaint received 2017-02-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION (OH)

I had a loan through Check'n'Go for the amount of {$300.00} in XX/XX/XXXX. The agreement was to pay {$43.00} every other week for a year, which comes out to almost {$1200.00} after interest. 

I have the records from my bank of all the payments being processed for that amount of time, and as far as I could see, the loan and interest has been paid back. 

Now this past week ( XX/XX/XXXX ), which is 3 years after the loan was agreement was signed, Check'n'Go has started taking payments out of my bank account again for the amount of {$43.00}. I have already contacted my bank to tell them that these payments are unauthorized. 

I have contacted the company, but nobody is willing to look into the matter in order to resolve it. All that they say is that I need to pay them them money owed. But I have already paid them, so this is basically extortion.
Consumer complaint received 2020-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

The present complaint is to report to CHASE BANK for violating the consumer financial protection law so me. On XX/XX/2020, I was the victim of an online scam, in XXXX {$22000.00} for the purchase of a truck with the money received from the XXXX loan. The announcement of the alleged seller was XXXX I contacted the saleswoman named XXXX XXXX to make the truck purchase deal. She informed me that the transaction would have to be made through the company HQ secure logistics. This company sent me your bank information to make a wire transfer which made it on XX/XX/2020 during the morning for a total of XXXX. That morning I got a call from Chase bank in English which I didn't understand much and didn't hear well. I only understood if I had made a transaction and told him that if when I finish the call I decide to call Chase bank to give have the transaction since I began to suspect that I was being scamming. This all took less than an hour. Chase Bank didn't help me get my money back. I'm telling you that I suspect a scam will cancel the transaction which was still pending and refund my money, which they didn't do. They didn't protect my money, they didn't cancel the transaction when I asked for them the same day. 
Every day I call Chase Bank. I'm waiting hours on the phone to help me get the money back which was stolen from me through a scam. I went in person to Chase 's bank in XXXX XXXX and only got a claim number JPM XXXX XXXX. Make a complaint with XXXX XXXX police to report the theft by scam the complaint number is XXXX and the officer in charge is XXXX. This whole situation has me very XXXX XXXX XXXX  and with XXXX. I haven't been able to work because of this situation in 11 days. I got that money for a loan.
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NY)

I received a call from Convergent/Convergent Outsorcing/XXXX demanding payment of a debt from XXXX. I asked them for more information and they refused unless I would report ( " verify '' ) my current address and phone number. I said that I would not. The woman told me that I was required to. I said No, have a nice day and hung up. 
I have an account with XXXX, so I called them and was told that my account had not been released to collections and that the collection agency was lying.
Consumer complaint received 2022-09-06
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. (WV)

I have filed disputes beginning first week of XXXX with all three major credit bureaus as well as contacted the lender XXXX XXXX XXXX to no avail. All disputes were closed and the lender verified the incorrect data again after paying them over XXXX dollars in one month to double up and pay my loan off early. I have reopened disputes again as well as shown documentation to the Credit agencies as well as opened complaints with this agency now on file as well. The loan company 's response is to put me on hold or hang up on me once denying my claim and asking for a supervisor. Never ever again will I do business with XXXX XXXX XXXX and this is a very hard loan that is designed for failure from the start your paying three times the amount of the vehicle after a 6 year term. I just got out from being triple upside down on the loan and they refuse to acknowledge my greatness at beating them at there game.
Consumer complaint received 2016-08-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (AR)

PayPal refuses to close my account out or let me speak to anyone higher than a customer service rep to resolve my issue. I have made countless attempts to resolve this with them but they refuse. This is a horrible company that does n't care about its customers. I just want my account closed.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CO)

Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

i submitted a loan modification to the select loan servicing because i do n't know who the lender is, anyway the request was received and the lender confirmed it a few months ago in which my documents were sent in by fax several times and there was someone assigned to the file, buti just received a sale notice posted on my door for a sale date on XX/XX/2015while my loan was in the process of a loan mod!!!
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (MO)

I entered into a vehicle lease for a XXXX Volkswagen Jetta at XXXX XXXX Volkswagen in XXXX, XXXX in XXXX XXXX. The lease was supposed to run until XXXX XXXX. However, I received XXXX in XXXX XXXX. I was XXXX for a total of 184 days. While at training, I attempted to terminate my lease under SCRA, but Volkswagen denied my application because they said SCRA would not apply if I was not XXXX out of the U.S. I applied twice more after that and still continued to be denied. Eventually, in XXXX, the dealership told my mother they would take the car back and she turned it in without issue. However, in XXXX I received invoices from the dealership stating that I was behind two payments for XXXX and XXXX XXXX. After calling the dealership, they told me that they had not completed the process for turning in the vehicle and that those two payments would be taken off of my account. However, in XXXX XXXX I received a statement from the Volkswagen credit department out of XXXX saying that I owed {$13000.00} for the remainder of the lease. I went to the XXXX XXXX legal office for help. The XXXX called the credit department informing them of my rights under SCRA and they told me to reapply to them since they are the ones authorized to process vehicle turn-ins. First, they gave me a fax number which did not work. Then the XXXX was able to email my paperwork to the credit department and I received a receipt that they received the email. However, after a week went by, they said they still had not received my email, even though they sent me a receipt notice. After re-sending the paperwork, they denied my application again citing that SCRA did not apply to me because I was not out of the U.S. and I was not on XXXX XXXX for more than 180 days, even though my orders show I was. The XXXX again called the credit department to inform them that they were incorrect and told the XXXX that they would look at it again and contact us when they reviewed it. I have still have not heard back, even though they are continuing to send me invoices. The XXXX and I feel that Volkswagen is being completely unresponsive and is not honoring my right to legally early terminate my lease under SCRA and at this point want to seek assistance from the CFPB.
Consumer complaint received 2023-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On or about XXXX XXXX, 2024, Portfolio Recovery Associates ( PRA ), LLC, ( XXXX ) XXXX, a debt collection frim, called my cell phone number, ( XXXX ) XXXX and said there was an outstanding debt. My elderly mother could not get any more details at that time. Today, I contacted PRA to find out what this supposed debt was. I gave them the date and phone number that was called and they were unable or unwilling to provide any details. Instead they wanted to collect information on me such as my full name, address, and phone number. I explained if they have a legitimate unpaid debt associated with the number they called, now was the time to let me know and if it was legitimate, I would make arrangements to have it paid. If they were unable to provide the information the was nothing more I could do. This repeat offender company, recently ordered to pay XXXX Million in damages for unfair and deceptive practices, is at it again, harassing the elderly. I would like to know : XXXX. What is the alleged debt? 
XXXX. What is the amount supposedly owed? 
XXXX. When was the debt incurred? 
XXXX. By whom was the debt incurred? 
I want the phone calls to stop immediately. I do not consent to my personal information being shared with this predatory company.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I did not consent, nor benefit from, or authorize any of the following Account : Portfolio Recovery Associates LLC - report furnished by Portfolio Recovery Associates LLC Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their gave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with XXXX. This debt has been purchased by Midland Credit Management. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.
Consumer complaint received 2020-09-11
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. (KY)

I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Consumer complaint received 2022-09-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Money was taken out of my account in my absence from the country without my consent by Wells Fargo of {$510.00} at XXXX XXXX company on XXXX XXXX, XXXX  along with {$5500.00} at XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XXXX  XXXX and XXXX XXXX, XXXX. 
Total amount {$6000.00} was taken out of my checking account. Fraud. 
I tried to reach out Wells Fargo as soon as I returned back to XXXX, CA on XXXX XXXX but theyre not helping.