davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a Capital One account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with Capital One so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

In XX/XX/XXXX, I contacted Navient about qualifications for the Public Service Loan Forgiveness ( PSLF ) program with questions on the type of repayment and qualifications for the program. At the time I had consolidated my loans into a Federal Family Education Loan ( FFEL ). Navient did not inform me of the requirement to have the loan be a Direct loan or other requirements such as being in an income-driven repayment plan. 

I continued to make payments to Navient and worked in the public sector until XX/XX/XXXX. I filled out an application for the PSLF program in XX/XX/XXXX and the application was denied as I did not make payments through an income-driven repayment plan or consolidate my already consolidated FFEL loan into a Direct Loan. 

All of the actions that I took were based upon advice of a variety of Navient representatives over the course of 10 years. 

I have been working in the public sector for 20 years but do not qualify for the PSLF due to the reliance on advice from representatives from Navient regarding eligibility for the PSLF program.
Consumer complaint received 2020-12-04
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. (TX)

On XX/XX/2020, I spoke with XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I discovered a negative item on my credit karma from XXXX XXXX for a misunderstanding I thought was resolved They sent me to collections for and item that was never received for {$770.00} but I was given {$1000.00} credit They have on the XXXX  XXXX  my total credit was {$750.00} which is an error on their behalf They sold my false debt to Jefferson Capital An investigation was made and and in conclusion there was no judgement and it was charged off to XXXX but it is still on my credit report as a negative mark but this is all because of a mistake done by XXXX XXXX I would like this negative mark removed permanently from all my credit reports immediately please
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I contacted a XXXX  post for 4 XXXX Game Basketball tickets. The contact had a phone and name associated to his XXXX  post, so I texted him at the given number. After texting back and forth and getting on a call with XXXX ( his name ), He asked me to send the money, {$2000.00}, through my XXXX  XXXX XXXX XXXX account. I sent this money while we were still on the phone, and he was going to e-mail me the tickets. When he received the money he said that he was losing service and would call me back. When he did not call back within a few minutes, I tried dialing him back, and the number had been disconnected. I never heard from him again and never received my tickets. Based on the account information he gave me, the XXXX transfer sent the funds to his CitiBank account. I called XXXX XXXX XXXX ( my bank account ) right away to cancel the pending funds, but they only advised that I open a claim. The claim came back as unable to retrieve funds, so I am opening this ticket.
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CA)

Since Im 100 % permanently XXXX and on heavy XXXX, my memory is not up to par however about XXXX XXXX years ago, I received a signed by XXXX XXXX XXXX judge judgement t in favor of LVNV in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every XXXX months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit XXXX that my funds are protected but they took my XXXX XXXX XXXX daughters money from her high school checking account. She works XXXX hours most days and had {$110.00} dollars. I called LVNV a d they said this was an old XXXX XXXX credit card for {$500.00} but they now are representing XXXX XXXX and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX XXXX XXXX money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on XXXX and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that LVNV are getting away with this.
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (IA)

Contacted by XXXX from XXXX XXXX XXXX on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was not told clearly what so every about my loans and how they needed to be re-payed. 

They also change my loan payment amount every year and do it without notice or warning. 
I have been lied to and mislead.
Consumer complaint received 2018-02-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a mortgage with Bank of America that was modified on XX/XX/2018 after a chapter XXXX bankruptcy was discharged inXX/XX/2018. The mortgage was discharged for a little over $ XXXX and now my mortgage is {$210000.00} and I have been making monthly payments since XX/XX/2018, in the amount of {$1600.00}. None of this is reported to the credit agency. My account is listed as closed. I am paying a mortgage every month and I have a balance now greater than my original. I may not be liable to pay this bill but I do and the bank should be reporting the new amount balance and payments. I can't refinance a loan that looks to be closed. I can't repair my credit if the payments I make go unreported. I am in a very dangerous situation that if these payments are not made the bank takes the house, but I pay and I get no credit for having a mortgage or paying it. It does not help my credit get re-established and it looks as if I don't have a mortgage when I do. This is unfair business practice. I need the loan to be reported on my credit report. Nothing prevents the bank from reporting my loan and on-time payments. They just can't report anything negative. The debt owed on this reported closed account is paid monthly and it should be reflected on my credit report that the account is active and in good status. My payments should be reported to my credit agencies. Bank of America said they will never report my payments to the credit report for the life of this loan. This is an unfair business practice. They should change the account number just as other companies did after my bankruptcy to allow for reporting. I should not be a slave for a mortgage company and can't refinance or get credit for the payments I am making and have been making since XX/XX/2018.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I recently checked my credit score with Chase.com, and it showed I have a score of XXXX. The reasons it gave were that I had one or too many delinquent accounts, or accounts that went unpaid in over a 30-day period, but I have automatic payments for all of my bills, and I have never had a check bounce, and none of my accounts have been overdrawn because of a payment to a company. It is also telling me that I do not have any realty or home lending history, but I have been living in an apartment for over 15 months, and it is negatively impacting my score with misinformation.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (OK)

A collection was placed on my account on XX/XX/21. It states I owe XXXX XXXX XXXX XXXX .. They have 2 collections in place. One in the amount for {$1700.00} and {$1100.00}. This hospital is located in XXXX XXXX, TX. A place Ive never been. I have reached out to the fairs department at my XXXX  to dispute these collections.
Consumer complaint received 2021-11-08
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: CBC Companies, Inc. (CA)

Factual Data are reporting several inquiries to XXXX, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Revenue Corporation (TX)

Dear UNITED REVENUE CORP I am writing to address the issue of UNITED REVENUE CORP furnishing information that is tarnishing my creditworthiness. It's imperative for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect UNITED REVENUE CORP to demonstrate the same courtesy. Im going to take the time to educate UNITED REVENUE CORP on consumer laws since UNITED REVENUE CORP is causing me direct harm as well as violating federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, UNITED REVENUE CORP is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, which is a consumer reporting agency. XXXX is a m third party due to the simple fact that they a separate entity from me, the consumer, and UNITED REVENUE CORP . Furthermore, since UNITED REVENUE CORP is federally categorized as a credit reporting agency under 15 USC 1681b ( a ) ( 2 ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to UNITED REVENUE CORP to delete its tradeline as I never agreed to this tradeline and also being reported innacurate. Furthermore, now that I have educated UNITED REVENUE CORP on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), UNITED REVENUE CORP has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, UNITED REVENUE CORP has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with UNITED REVENUE CORPs actions that are directly affecting my reputation and creditworthiness. Let me remind UNITED REVENUE CORP that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (TX)

I disputed the XXXX XXXX derogatory credit listing on my Experian Report Number XXXX after case # XXXX in the XXXX County Court At Law No. 02 resulted in XXXX XXXX issuing a notice of full release, satisfaction and to vacate the judgment. This should have removed all late payments, overdue balances, and all derogatory information should have been removed. I disputed this item with Experian directly and provided them with a copy of the signed full release of liability. 

Experian however, failed to provide any investigation results, ignored the provided court order, and deemed this invalid derogatory account to be valid. Experian then updated or re-aged the debt making it newer than the initial date reported. 

Upon attempting to re-dispute the error, Experian refused to accept the dispute a second time and is in violation of FCRA laws.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (TX)

I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( XXXX ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2018-02-07
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: CITIBANK, N.A. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (PA)

When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : 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 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ONEMAIN FINANCE CORPORATION (NV)

ON XXXX I PAID ONE MAIN FIANCIAL XXXX XXXX OFFICE OTHER HALF MYMONTHLY PAYMENT THAT TOTALS XXXX $ $ MONTH I PAID XXXX THEY PUT XXXX $ TOWARD MY ACTT XXXX XXXX WENT TOO INTREST I HAVE NOT PAID ANOTHER PTYMT AFTER THAT DATE IVE TOLD THEM COME GET XXXX XXXXXXXX XXXX IM DONE WITH THE HIGH INTREST ILL BE DEAD BEFORE THE BALL PAID OFF I CAN NO LONGER PAY THIS CAR NOTE COME GET IT SELL AT ACTION PLS NO RESPONSE
Consumer complaint received 2021-11-08
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. (MD)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-02-07
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Consumer complaint received 2022-04-29
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: Army and Air Force Exchange Service (FL)

In accordance with the Fair Credit Reporting Act, Military Star has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-08
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. (PA)

Experian is reporting a discover card account inaccurately. I asked that they remove the account because it has been reportedly inaccurately for some time which they would say it was accurate. I have my credit report which shows the account reporting differently on both I asked that the account be deleted yet they tried to update the account open information. I ask that th account be removed from my credit report the last time I disputed the account was in XX/XX/2021. XXXX only sends letter verifying the account open day yet no information about close day, last pay. So how has this account been verified or investigated?