davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
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. (LA)

I called Transunion and spoke with a representative, because I noticed that they had removed the XXXX XXXX XXXX collection from my credit report and placed it back on there. I feel like my rights have been violated, because they never notified me that they would be adding this collection back to my account. I understand my FCRA rights enough to know that I should 've been notified 5 days, but I was n't.
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation (CA)

NOTICE OF ERROR ;  XXXX   XXXX  HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void.  XXXX  v  XXXX   XXXX   XXXX   XXXX ,  XXXX .  XXXX  (  XXXX .  XXXX ,  2016  )
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2023-01-27
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. (IL)

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. On XX/XX/XXXX I filed a dispute to the Experian Consumer Reporting Agency that the accounts XXXX XXXX XXXX ( Opened XX/XX/XXXX ) and XXXX XXXX XXXX ( Opened XX/XX/XXXX ) are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Experian investigated the dispute XXXX Experian did not remove the outdated account, which has sustained the potential for XXXX XXXX XXXX ( Opened XX/XX/XXXX ) and XXXX OF ED/NELNET ( Opened XX/XX/XXXX ) to negatively impacting my XXXX XXXX beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my XXXX XXXX to get the best available terms on future loans.
Consumer complaint received 2017-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XX/XX/XXXX &  XXXX  of this yea r Portfolio rec overy began sending notices and calling for a debt collection from  XXXX  's of  XXXX  which was charged off and sold to them because I began disputing items on my credit that did not belong to me. According to credit report they purchased this account on  XX/XX/XXXX  never signed a contract with portfolio recovery it was a closed account when my report was ran on XX/XX/XXXX after which I disputed because I did not owe nor do I owe a debt to portfolio recovery. I have never acknowledge the debt with them because it is not my debt. After disputing after the 30 day deadline to validate they sent a letter with copies of statement that anyone could get still have not sent proof of a signed contract nor any proof that the debt was validated. On  XX/XX/XXXX  I received a letter from a lawyer stating that they now will be collecting a debt for select portfolio for the same amount stating they were contacting me on portfolio recoveries behalf. Demanding that I begin making payments to them.
Consumer complaint received 2017-06-03
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. (GA)

On X/X/17 I disputed with the credit bureau Equifax information on my report that was incorrect. The inquires that I disputed were not authorized by me and I wanted them off of my report. Inquires disputed were ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). Equifax failed to remove the negative inquires that were on my report stating they were authorized. I contacted the original creditors listed but they failed to assist me and one of which is shut down ( XXXX XXXX XXXX ) do to fraudulent activity I could not contact. These inquires are hurting my report and I need them removed. I have a Fraud Alert placed on my report because of companies like these appearing on my report.
Consumer complaint received 2017-06-03
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: WELLS FARGO & COMPANY (LA)

I have disputed several times a debt from  Wells Fargo   XXXX   XXXX    yet it still remains on  XXXX  of my credit reports   XXXX   and  XXXX  it was deleted from  XXXX . I disputed it as I do not know this account and I do not as it was not my account It clearly states on both reports that I was an authorized user only which according to the law makes me not responsible for this account. I called to speak with them on  XXXX / XXXX /  XXXX   was told they could not find an account with my ssn and to call another department to check. Called that department was placed on hold and transferred several times before being transferred the last time after being told I was in the wrong department, without getting warm transferred nor given the number it took me to a place asking for an account number when I could not answer the ivr because I do not have an account with them was hung up on.
Consumer complaint received 2017-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (CA)

I am a   XXXX   XXXX     XXXX   recently assigned to   XXXX   XXXX   orders.
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Harley-Davison Financial Services, subsidy of Harley-Davidson Motorcycle Company, has refused to honor the   XXXX   XXXX   military orders, and keep my account under Servicemembers Civil Relief Act. All other creditors have honored my orders except for this company.
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They had initially honored the orders back in   XXXX   XXXX   XXXX  , and then terminated my SCRA terms in  XXXX , and are charging me late fees for the past two billing cycles in addition to inflating my interest rate on the loan.
Consumer complaint received 2017-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (WA)

When I found out that this company put a lien on my home for no reason. we are refinancing our home, and this is the way we found out this lien was on my property. We have no idea who this company is. So then we started to receive these letters saying they are not trying to collect the debt but they had already put this lien on my property. they said they would remove the lien but I see the amount of  XXXX  in the refin amount and the letters this company sent us say the amount is  XXXX  but the real amount owed is  XXXX . Our next step is to start legal action.
Consumer complaint received 2022-09-07
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. (AL)

I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.
Consumer complaint received 2022-03-03
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. (AZ)

Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the account.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts. 
2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from Lyft does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

I have submitted complaints to your agency previously, but nothing is being done and my situation is getting worse as noted by items 2 and 3.
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AR)

I graduated from XXXX XXXX University in XXXX, XXXX in XXXX of 2010. I started on my XXXX with University XXXX XXXX XXXX shortly thereafter. I have some private loans through Navient that I ca n't pay. I 'm unemployed. My cosigner has helped with my payments as much as she can but it 's too much of a financial burden to continue. I attempted to enroll in an extended payment plan that would greatly decrease our monthly payments. I first attempted to enroll in this program in late XXXX. I was told everything was squared away once my cosigner gave her financial statement. We canceled the auto-payments from her account. Once the new program was set up we were going to use a different bank account. But then payments were still being taken from my cosigner 's account. They took money out of her account several times. We called to rectify the issue. Every time we called, Navient would say another issue had come up or some data had been entered incorrectly. They said they were " making notes '' on my account so that the problems would be fixed. None of the issues have been solved. Navient told us that my application for the repayment plan had been denied because their supervisor never looked at it. He said he would make a note to have it expedited. It never happened. A representative last week told us that it was fixed and my loans were in forbearance for a month and the new payment plan would begin in XXXX. Yet my cosigner received an email that money is about to be taken out of her bank account. We received more emails saying that the program was denied with no explanation. I called Navient again today and they are still giving us the runaround. They said today that my cosigner must give another financial statement. And because they wo n't begin the payment program -- that I 've already made a payment for to enroll in -- my loans are now delinquent. They will not solve the problem. I asked today for copies of the notes they I 've been told are on my account but they refused.
Consumer complaint received 2022-02-01
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. (CA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Murphy Law Office, LLC (OH)

This debt occurred from a XXXX XXXX XX/XX/XXXX. I tried working with XXXX XXXX XXXX as I am on XXXX XXXX XXXX They suggested XXXX XXXX that I did not qualify for. I explained I would try to send in payments when I could, however being on fixed income and all incoming medical bills the payments were not as quickly as they wanted. They then sent debt over to XXXX XXXX. I contacted them on XX/XX/XXXX to explain situation and ask for financial assistance and did not receive anything. Then this went to XXXX XXXX XXXX XXXX XX/XX/XXXX. We again contacted them and tried to send in {$5.00} payments when I had the available money. XXXX then sends to : Murphy Law Office in XXXX, Ohio phone number : ( XXXX ) XXXX. 

I contacted this law office, spoke with one of the attorneys, who very rudely told me I was n't paying enough. I again explained situation and told them I understand the debt am trying to pay it but do not have the funds to pay this debt in full and will have to send payments in. Murphy Law Office has  continued to call my cell phone, if calls are missed they refuse to leave msgs and when I call the office back I 'm getting a voice mail. I have left SEVERAL messages on the office voice mail to again try to work out payment arrangements. This last time I left a msg was XX/XX/XXXX because we sent a {$10.00} payment to the office. We have no form to submit with the payment. Have asked repeatedly how this should be and how applied and they refuse to contact me or have not cashed this check. The attorney or employee I spoke with was extremely rude and arrogant and threatening. There is no reason to act that way or threaten me. 

At this time I think we need a mediator as I do not have a job, have a XXXX at home and trying to provide a roof over her head. This harrassment and threatening action is uncalled for as well as unlawful collection. I would like the company and situation reviewed please.
Consumer complaint received 2022-11-06
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. (GA)

On XXXX, I submitted a dispute on Experian 's website about a charge off account that is inaccurate. A XXXX XXXX account that is not accurate. A statement came back on the website that the information was validated. I sent a letter stating that the information was incorrect and to be deleted. It was not.
Consumer complaint received 2022-03-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
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.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (SC)

I received a negative annotation on my credit file/report at the credit bureaus from the collections agency listed as Enhanced Recovery Co, despite not owing this debt. I have contacted this company explaining to the person I spoke with that this debt is not mine, and it is a result of identity theft. I also told this person that I never opened an account with or did business with the company that I am supposed to owe. The drop off date for this debt on my credit file is listed as XX/XX/XXXX, which indicates that I either opened an account or had been delinquent for the account in question in XX/XX/XXXX. I have never had any service from XXXX XXXX, and despite my informing the mentioned Enhanced Recovery Co of all the above statements, with emphasis that this is an account opened fraudulently, I was totally ignored and was told to simply pay the amount of {$520.00}. Not only is company Enhanced Recovery Co disregarding my plea for attention to this matter, they are directly contributing to my being victimized, by asking me to pay this amount.
Consumer complaint received 2017-06-03
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. (MO)

I am filing this complaint against Trans Union. They are reporting fraudulent information on my credit report. I have tried to resolve this issue on several occasions via phone conversation, online dispute, and by mail. They wo n't comply with my requests. The items listed on my report are fraudulent. I am requesting that the accounts and inquires be deleted upon receipt. If this matter is n't handled in a timely response I am filing a class action lawsuit against Trans Union and reporting the agencies to the BBB.
Consumer complaint received 2019-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (OH)

I borrowed approx 5000.00 dollars from rise credit. I paid a lot of it back but then had problems paying. I contacted a pay day loan negotiator service XXXX XXXX XXXX XXXX. I paid them several thousand dollars to help negotiate with Rise Credit. There were trying to negotiate a settlement with Rise credit but was not able to so I stopped paying them too. I borrowed approx 5000 and rise has reported to credit bureau I owe them XXXX! I tried to dispute it via XXXX  disputes process but it remains on my credit report. Charging a fee of of double I borrowed that is ridiculous!
Consumer complaint received 2024-02-22
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, XXXX, I sent a letter of dispute to Equifax that involved a public record showing on my credit report as it is showing inaccurate information. On XXXX XXXX XXXX, I recieved a notice from Equifax displaying the results of the dispute. Equifax stated that the information was verified through a consumer reporting agency called XXXX. In XXXX of XXXX, I placed a security freeze on my account with XXXX, as a result, on XXXX XXXX, I contacted XXXX in regards of my information being released to Equifax because I originally initiated a security freeze on my account.I spoke with a represenitive by the name of XXXX XXXX XXXX ) and he explained to me that once a security freeze is placed on the account, no information is released without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating that they obtained information when they have not. I dont feel as if a thorough investigation has been done as it only took them about a week to respond.