davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2017-11-29
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: BBVA FINANCIAL CORPORATION (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, XXXX XXXX XXXX datedXX/XX/XXXX and COMPASS BANK dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. 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 reports containing any of the following items of information. Any other adverse items of information, other then records of conviction of crimes which antendates the reports by more then seven years 15 U.S.C 1686-2 ( A ) ( 1 ) A person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

The company issued me a credit card in XX/XX/XXXX/XX/XX/XXXX and regardless of the fact that I never made any late payments or missed a payment, never went over my credit limit, and continually carried a balance, they decided in XX/XX/XXXX to close my account. They never advised me of this fact and the only way I realized my account had been closed by them was to try to use my card and have it declined at which point I contact them and they advised they just decided to close my account. Couldn't provide a reason and refused to re-open the account. Interestingly enough, I have a cash reward balance on my account of {$39.00}. Redemption of cash rewards is done in {$50.00} increments, so basically they closed my account just shy of me earning a cash reward of {$50.00}, which I could redeem to my account balance. When I originally called to inquire why my card was declined, and inquired about the cash reward balance that was just shy of a redeemable amount, I was advised I could be transferred to someone who could help get whatever my current balance was credited to my account, but I was already late for work and said I would have to call back to handle that. I called back today and two different associates ( one supposedly a manager ) pretty much laughed and me and told me too bad, I would never be able to redeem the cash rewards until they equaled {$50.00} and since they closed my account it would never happen and too bad I can write a letter if I don't like it. Yet, they still expect me to make my monthly payment after they didn't have the decency to send me a letter that they would close my account or anything. These are reprehensible business practices -- - preying on consumers and closing their accounts just in time to stop them from earning or using additional rewards.
Consumer complaint received 2017-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

In Spring XXXX I contacted Navient to set up a fixed payment amount to be withdrawn via Navient 's XXXX program. Navient has failed to abide by the aforementioned and is withdrawing various amounts monthly. Due to Navient 's WORTHLESS website, I am no longer able to locate the correspondence confirming my request and Navient 's agreement to withdraw the fixed amount. I am beyond fed up with Navient 's " Live Customer Service Representatives '' who have absolutely NO idea what they are talking about, have never provided me with appropriate assistance, and have never fixed an issue which I have contacted them about. Someone needs to do something about this company ... we who initially borrowed from XXXX XXXX are being cheated BIG TIME.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER recently reviewed my credit file and noticed an inaccurate and unverfied account being placed on my account negatively and reporting to the three credit bureaus. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Living funding is a third-party debt collector ... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Take note : This account has been disputed and deleted. This is evidence that the account is inaccurate and indeed not belonging to myself.
Consumer complaint received 2017-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is the reporting agency that did not send me a notice or written notice that I have the right to dispute this debt.and attachment XXXXf ( 1.8 mg ) is already on file with cfpb. now of what douctment was made againt me.
Consumer complaint received 2020-06-24
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: I.Q. DATA INTERNATIONAL, INC. (MN)

I received a debt collection letter from I.Q. Data international in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX   XXXX  XXXX. XXXX XXXX XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, XXXX has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. XXXX is the only company that has refused to remove it from my account.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I had a vehicle financed with Credit Acceptance, in lateXX/XX/XXXX I was in an accident where I was rear ended and my car was totaled. The insurance company of the person at fault paid off my loan inXX/XX/XXXX with the exception of {$180.00}. I paid Credit Acceptance {$100.00} on XXXXXX/XX/XXXXand the last {$77.00} onXX/XX/XXXXThey are showing on my credit report that the loan defaulted and went into collections. This never happened. I called Credit Acceptance about it and they said they could n't do anything and I would need to file a dispute with the credit reporting agency. I filed a report with XXXX and they claimed to investigate the claim and found it substantiated.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc. (FL)

Today XXXX/XXXX/XXXX was the second time i called this company attempting to pay off my debt to them and ask them if they could remove it from my credit score and they continue to not cooperate. If all they want is  the money owed to them i do not understand why they do not just take it and remove the derogatory marks off my credit score. I am a XXXX XXXX XXXX student trying to get his life back on track and this debt i obtained when i was XXXX XXXX XXXX and needed XXXX is haunting me. I am currently working on trying buy my first property so having the best credit score i can is the best option to keep my interest rates low. All other companies that i owed agreed to erase the collection stamp on my credit and helped me out this is the only company that refuses to do so please help me.
Consumer complaint received 2017-03-14
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Pretender lender loan servicer " Ocwen Loan Servicing '' and its robo-XXXX employee " XXXX '' is once again covering up its dirty smelly intentional fraud game tracks. I am in the process of retaining new counsel, I will respond to just one of robo-Starr " XXXX '' fraud cover up little games. Ocwen Loan Servicing XXXX is doing nothing but horsing around her barn. Attached is email evidence of Ocwen Loan Servicing robo-lawyer " XXXX '' denying me the right to discuss Ocwen fraud crimes against me before a congressional hearing. Dealing with Ocwen Robo-XXXX is a complete joke and a complete waist of time. If Robo-XXXX is looking for fights with Ocwen victims then she will get one!
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (AL)

On or around XX/XX/2021 I made a purchase with XXXX XXXX my phone was malfunctioning and the charge was made multiple times I called the bank to verify the charge and was asked security measures Wich where satisfied I was told I would be able to access my account and I keep going through the same series of verification and security measures and I still don't have access to account
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I initiated a dispute with USAA after I had my screen replaced on my cell phone. The merchant sold me faulty equipment. I provided USAA a copy of the receipt as well as a receipt from XXXX indicating that the equipment was faulty. USAA has repeatedly failed to communicate with my via the agreed method " My Documents '' my old checking account was reopened and on XXXX USAA forced a withdrawal from my account. I spoke with " XXXX '' in Deposits and banking on XXXX indicating my confusion she stated that I failed to respond to the request for information that was sent to " My Documents '' and that I failed to prove anything. I asked her to please point out where in " My Document '' I could find this communication she placed me on hold and proceeded to tell me that it was n't there. I asked her what the reparations would be since I am unable to use my account she said the only thing she could do would be reopen the claim but it was unlikely to do any good. I repeatedly asked her how this was right because I was not able to respond to a request for information if I did n't receive the request. She declined to answer. When I continued to push for a response she repeated if there was anything else. I again asked her how was USAA going to fix this she declined to answer. I asked for a manager she refused and said that they would only re-open the claim.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (CA)

I am just amazed at what Key Bank sent me dated XX/XX/XXXX. Key bank is claiming that I was sent letters on the following dates :XX/XX/XXXX XX/XX/XXXX 
I never received anything and the tracking number XXXX ( see attached ), per USPS, is invalid. Proven by the tracking number, I do not think that they mailed me anything, I never received anything.
Consumer complaint received 2022-10-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

I was a member of the government shut down, I asked that late payments be removed due to that fact. Comenity Bank denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Consumer complaint received 2022-04-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX, I received a letter from Navient stating that I was 95 days late for my payment and requesting me to call their office on or by XX/XX/XXXX to take care of the matter. I spoke to a lady on XX/XX/XXXX who told me that I was 105 days past due on my payment. I asked her, " how could that be '' President Trump and Biden indicated that the payments were placed on hold ''. She stated that Navient didn't fall under those guidelines. I was confused at that point. She stated that was for my other loans, meaning my federal loans, not private loans. She stated that Navient had my private loans for $ {$29000.00} and XXXX had my federal loans for {$5000.00}. She then proceeds to tell me that my federal loans were transferred in XX/XX/XXXX. I stated to her that I had no knowledge of this. She indicated that I could be placed back on track for {$20.00} today, during the conversation. I became skeptical when she had mentioned this because I never heard of a loan facilitator offering such. an offer... I did some investigation and found out that the transfer of my loans was done without my knowledge until I received a letter in the mail from Navient. I'm very angry with the wayt Navient has handled this situation. I went thru a terrible hardship during this pandemic I explained this to several different people at Navient. After I told them what I endured and the fact they offered to get me back on track you would think they would have a heart and remove the inaccurate information they reported about my account with them. I felt this was inconsiderate and cruel.
Consumer complaint received 2021-02-09
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: DISCOVER BANK (PA)

Good morning, I have been requesting by my right as a consumer after looking through my credit report that several accounts be verified under FCRA 611 ( a ) ( 1 ) ( A ) and Discover has failed each time to provide the credit bureaus with substantial PROOF that this account or entry on my consumer report is in fact accurate or mine. I know my right as a consumer and fully intend on pursuing litigation in the amount of {$1000.00} as stated in FCRA laws. If Discover cant provide me with physical documentation i expect for them to uphold my rights and update and delete this account from my report by contacting the bureaus in which they reported this inaccurate report. The account Appears on my report as : Discover BankXXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

My credit report is showing I owe a debt to collection agency LVNVFunding for {$1400.00} for utilities in Texas. I have not lived in Texas since 1977 when I was XXXX XXXX XXXX. I have had no response from this fraudulent company but I sure too an almost XXXX point hit to my credit score. I want something done.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called XXXX. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called XXXX and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from XXXX and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

XXXX RUNS AD 'S ON XXXX TO USE AS A TOOL TO LURE CONSUMERS INTO SCAM AND FRAUD AND SEND TO LOCAL XXXX TO WHOM ENDORSE FRAUD AND SCAMMERS ALIKE!
Consumer complaint received 2021-10-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery has sent me a notice to collect a debt in the amount of {$1400.00} This collection agency is not licensed for business in Michigan, nor are they registered with the Michigan Secretary of State ; therefore can not attempt to collect any debt in Michigan. Please remove this account from my credit reports immediately. Also, they have attempted to garnish wages without successfully validating that this debt is even mines.