davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
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. (TX)

I have been disputing with TransUnion for several months about the bureau having 3 different files with my revolving and installment accounts spread over those three files. Yet only one set of accounts is viewable to my creditors and me. I have been denied credit, or otherwise unjustly been given higher interest rates due to TransUnion not reporting my full history properly which creditors can see under one file. This has also reduced my creditworthiness in the eyes of my creditors.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my SECOND WRITTEN REQUEST. The unverified item listed below is still on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is not only mine but that it is correct. In the results of your first investigation, you stated that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? I requested copies of the original documents that you used to verify this account, and it has not been provided to me as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The collection amount is {$370.00}
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 XXXX XXXX
Consumer complaint received 2017-12-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount for this debt is {$460.00}.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

This company I am complaining about is called XXXX XXXX. I make monthly payments to them. Unfortunately, due to unexpected expenses I was not able to make my XX/XX/XXXX payment of {$27.00}. I have been on time previous to that. So, a late charge of {$36.00} has been added to my account which I was aware would happen and planned to pay what the amount due is on XX/XX/XXXX which is when I get my next XXXX check. They started calling me on XX/XX/XXXX. I called them on XX/XX/XXXX and explained my situation and told them when I can make a payment. The man I talked to was aggressive and kept interrupting me. But, he finally said he would note my account when I will make a payment. Well, the calls have continued twice a day and they even sent emails. I unsubscribed from emails but the phone calls continue. And, when I have answered the system hangs up on me. Sometimes a recorded msg is left on my voicemail and sometimes it hangs up when my voicemail is activated. They are using up cell phone minutes in addition to harassing me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

XXXX. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. Made multiple calls to XXXX, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate XXXX Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert. 
Again the question is Who/what/when/where placed the fraud alert? do NOT close the case if not resolved, as there is no way to contact 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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX  XXXX, XXXX, XXXX.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

On XX/XX/XXXX LexisNexis was sent a SECOND letter ( copy attached ) via certified mail in response to the corespondence sent in XXXX XXXX requesting more information involving identity. In addition to the letter LexisNexis was also sent a request form provided by LexisNexis to use to process request as well as ( 2 ) identity copies of state issued drivers license and social security card. On XX/XX/XXXX, LexisNexis sent corespondece that was exactly the same as the response to the first letter that informed them of their illegal activities. The correspondence ( copy attached ) stated that they once again could not process my request for my information and attached the exact same request form that had already been filled out and sent to them XX/XX/XXXX. Then XX/XX/XXXX I recieved a second letter ( copy attached ) from LexisNexis which states that they were " unable to locate '' a file matching my data.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have an online savings account with Capital One that I requested be closed several months ago. This account has had a zero balance since XXXX XXXX, yet it is still open today. I tried contacting customer support via chat : There is no chat button on their website ( despite the fact that a chat option is advertised ). I tried contacting customer support via the messaging center : There is no way to actually send a message. I tried contacting customer support via TWO different phone numbers : I was told by a supervisor that he could not help me and I needed to call during the work week. I explained to him that my schedule does not allow me to call during the work week, at which point he became incredibly rude to me. I emailed Capital One 's support escalation team as well as their senior leadership ( those I found email addresses for online ). The escalation team replied back that I need to call them during their business hours - something I am, again, currently unable to do. I do not understand why this is such a hassle when I originally asked for the account to be closed months ago. It needs to be closed now.
Consumer complaint received 2022-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

This is a complaint against FedLoan Servicing for wrongfully denying my application under the Limited Public Student Loan Forgiveness Waiver. Ive summarized the relevant details in the attached letter.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MN)

I received a call from XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/2017 demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, XXXX XXXX XXXX # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (CA)

I have insurance on my auto loan with Navy Federal Credit union, in the event I become unemployed/early furloughed from my employment, the insurance was supposed to be applied to my vehicle loan and other accounts with this financial institution, instead they have added this account to collections making it impossible for me to gain employment or housing due to the collection account, I have tried to resolve this issue with them to no avail and am now experiencing financial hardship due to this.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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
Consumer complaint received 2021-07-13
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: Resurgent Capital Services L.P. (FL)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (FL)

I have tried to make payments that are suitable for me. However, Medicredit Inc would not help me with affordable payments. I am a single mother of XXXX and making payments that they require is hard for me. This company didn't give me the opportunity to make affordable small payments. I attempted to make payments. However, was sent to the Credit Bureau because it didn't fit the amount they wanted me to pay. 

Medicredit did not provide a written statement that includes an UNKNOWN debt of {$2900.00}
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: Santander Consumer USA Holdings Inc. (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, SANTANDER CONSUMER USA dated XX/XX/XXXX and XXXX XXXX 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 2020-06-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Elite Recovery, LLC (TN)

I just received an email from a company I have no idea what they are talking about. 

FINAL NOTICE OF DEMAND Creditor : XXXX XXXX XXXX. 
Account Balance : {$1200.00} Docket File : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ( Unpaid Loan ) Payment Plan : {$30.00} ( Every Two Weeks ) Payment Mode : XXXX XXXX XXXX XXXX We refer to our above Invoice and previous requests for payment. We note that despite our requests our Invoice remains outstanding. Please note that you are now in defaulters list. 

Unless you now attend to payment in full or in payments strictly today, it is our policy to refer the matter to our XXXX XXXX XXXX XXXX & XXXX XXXX, for recovery without further notice. 

Please note that if such action is necessary you will also be liable for collection costs and interest pursuant to our Terms & Conditions of Trade in addition to the total outstanding balance. 

We understand that Invoices can sometimes be inadvertently overlooked or not prioritized. 

We trust that you will now give this matter appropriate attention and attend to set up payment arrangement today so that no further action will be necessary on our part to recover payment. 

We look forward to payment today. 

Please don't disregard this letter. This is our final attempt to reach you before we forward this matter to the Law Enforcement Department. 
Send us email at mailto : XXXX Settlement Amount : {$1200.00} Payment Plan : {$30.00} ( Twice A Month ) Payment Mode : Online Click here to send us email for Settlement Attorney XXXX XXXX ( Recovery Department ) Account Settlement | FDCPA | Elite Recovery XXXX   2020 CONFIDENTIAL : ATTORNEY-CLIENT PRIVILEGED ; ATTORNEY WORK PRODUCT : Emails and attachments received from us may be protected by the attorney-client privilege, as attorney work-product or based on other privileges or provisions of law. If you are not an intended recipient of this email, do not read, copy, use, forward or disclose the email or any of its attachments to others. Instead, immediately notify the sender by replying to this email and then delete it from your system. We strictly prohibit any unauthorized disclosure, copying, distribution or use of emails or attachments sent by us.,
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 — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (MS)

Credit Karma has falsely led me to believe that I was pre-approved for both a credit card and an auto loan, after I applied I was denied from both the credit and auto loan applications. They have impacted my life as a consumer due to false advertisements. This has put my family and me in a hard financial bind. I am still not able to obtain a car due to this, I have lost all hope behind this. They consistently send me offers of pre-approval for different things to this very day. The most recent was in a lower rate on insurance it is unfair and unjust. 

15 USC 1681 A ( 4 ) Right to Privacy 15 USC 1681 B ( 2 ) Permissible Purpose 18 USC 1028 A Identity Theft
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-11
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. (CA)

I was pre-approved for a credit card from upgrade through XXXX XXXX I thought I was getting a credit card and it said it would not affect my credit score but I got a personal loan instead and it did show up on my credit report and I thought I was getting the credit card through XXXX XXXX pre-approved
Consumer complaint received 2021-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (OH)

I purchased a new Honda on XX/XX/XXXX. The sticker price on the car was XXXX and Honda financed the car with a trade in for {$41000.00} with is almost double the cars value. I was in a car accident in XX/XX/XXXX and the Honda was totaled out due to the damage. My insurance paid XXXX and gap insurance paid another XXXX and I still have an unpaid balance of XXXX. I feel Honda committed predatory lending in this case by financing a car for double its worth. They also reported me late for two months as the insurance company worked through the claim. Honda also charged me late fees. I would like Honda investigated for predatory lending.