davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

Made several attempts to fix this situation. SW Credit Systems continue to place an derogatory remarks on credit report. I have no idea where this debt occurred. Made several attempts to request contracts and company failed to comply within 30 days according FCRA.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Starting with XX/XX/XXXX I have written to Portfolio Recovery SIX TIMES requesting debt validation with absolutely no response. NONE! So in XXXX, I started to track their receipt of my letter by sending it not only by USPS but also by fax. Including today ( XX/XX/XXXX ) that makes 7 months, 7 letters, with 4 confirmations, and they have simply ignored me so the letters sent XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and today I am attaching as proof that they were received. I even reminded them in the letter of all the previous dates and they still ignored me. I wrote to all 3 bureaus during this same time period without a response even when asked how did they verify the debt or to send me a corrected credit report. They don't accept faxes so I can't prove they got it but the postal service generally doesn't fail to do its job ( I'm just saying ). I'm a XXXX XXXX and as an essential worker, I've traveled across this country only to wake up in hotel rooms in cities that sometimes I couldn't remember the name of just to help fight the COVID battle. I'm tired. I'M TIRED! I can't keep up with COVID and I can't keep up with Portfolio. All I want to do is go home ... really go home ... not to the apartment that I rent but to my own home that I'll own and this blatant disregard for me as a consumer and for the law is making that impossible. I've fought for the people of this country on the XXXX XXXX. Now I'm asking the CFPB to fight for me on the consumer/credit battleground and make Portfolio and/or the bureaus delete this account - they have had more than enough time. If they haven't responded it's because they can't respond - it can not be validated. I want to go home ( sobbing ).
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. 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
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (CO)

Penn credit contacted me today for second time asking for XXXX XXXX. I asked them this time what kind of debt it is and who is it owed to. 


They kept saying they can not BY LAW give me the information. I told them and their supervisor that I am not asking for any account detail to see if any sort of truth to their harassment. They did not. 

They also put me on silent, dropped the call, mouth off among other things.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I have received a letter from Credence XXXX  XXXX XXXX, a collector company stating that I owed XXXX from an account that was open and credited to my name. This account was fraudulently opened.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

Hello, XXXX : As was announced on XX/XX/XXXX, XXXX  is one of several institutions targeted by a nationwide cyber attack on XXXX XXXX XXXX XXXX ( XXXX  ), a vendor service used for transferring sensitive information. This attack has affected approximately 300 organizations, including universities, government institutions and private companies. In this incident the perpetrators gained access to files and confidential personal information by exploiting a vulnerability in XXXX program. At this time, we believe the stolen information includes but is not limited to names, birth dates, SOCIAL SECURITY NUBMERS and bank account information. The attackers are threatening to publish, or have published, stolen information on the dark web in an attempt to extort organizations and individuals. 

I think not only my social was messed with ( ie. im dead per my social ) and have had my debit card number stolen.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Radius Global Solutions. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (TX)

On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep XXXX, gone into escalated levels of XXXX, developed XXXX XXXX XXXX XXXXXXXX XXXX, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

My serviced is Nelnet. They have told me that my account is past due, when logging on to their system, it says that my account is not due until XX/XX/XXXX. They said my IBR recertification has expired, but I have filled out 4 this year and have even use the IRS retrieval tool. I have certified that I dont need to file a tax return because I dont have taxable income. Im on a {$0.00} IBR payment schedule. When logging in, it says on my account that I am still in this program. I have also certified on student aid.gov and it says on there that Im not due for recertification until XX/XX/XXXX and that if I sent in another, it would not be verified. It says that Im current on the Nelnet online account as well, but they have reported me 90 days late on nine accounts to all three credit bureaus. I also am applying for PSLF loan forgiveness and IDR forgiveness because almost all of my loans are over 20 years old, and I was in different plans while in the military. I had applied for loan consolidation, but no one had any guidance or answers on how to deal with my situation, so the company told me to hold off on consolidating so that my loans would show how old they are. Ive waited and kept communicating trying to figure out what I should do, I have sent several emails to XXXX, Nelnet, and student aid.gov looking for guidance on how to deal with the situation. I understand that everyone is overwhelmed with the new rules, but reporting me late, when on their website it says I dont even have a payment due until XXXX is life ruining. It has dropped my credit XXXX points during a crucial time in my life while trying to refinance my home loan. I need this fixed ASAP. Im not late on my loan, and my payment would have been {$0.00} regardless, and Im also waiting for an answer on forgiveness in which I should not have to pay during that time according to the forms. Also, the system has informed me several times that interest and payment forbearance had been extended to XXXX as well. Im so confused and upset that they could do this and destroy my credit that I have spent the last 7 years building in order to get back on my feet. I am sending in another IBR application today via email and fax, but by all accounts, Im not due for it, or past due. Please help rectify the situation, and get them to remove this off my credit report, before they cause me to lose my house because I wont be able to refinance.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I had four unauthorized withdrawals from my checking account from 2 entities, totaling several XXXX dollars, on XX/XX/XXXX, which emptied my account, made my rent check bounce, incurred fees, and caused other emergencies. On another occasion, an obviously faked check was posted to my account. 

Customer service has provided wildly conflicting information, and refuses to provide a partial credit, or progress report. Now they say it may take 60 days to investigate an XXXX cent charge that hasn't cleared. 

The bank 's poor service and security are effectively punishing me for lapses on their end.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

Marcus by Goldman Sachs denied me access to the availability of deposited funds when sent to them from the Federal Government. On XX/XX/2020 The Federal Government deposited a payroll check to my Marcus by Goldman Sachs account. Marcus by Goldman Sachs employees then tried to transfer it out without me knowing this, and wait for me to receive a 2nd payroll check while denying me the 1st check that was sent/deposited. I want to report this now. My job provided proof it was sent at the same time ( simultaneously ) I received another deposit ( 3rd ) from another external source for XXXX dollars.
Consumer complaint received 2021-04-21
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CO)

Citibank reported negative information to my credit profile under questionable circumstances. 

While I believed I had Autopay set up to cover the monthly payment, there had been some change to my account which disrupted the normal payment process. This resulted in a minimum payment of {$70.00} due XX/XX/XXXX to not satisfied until I discovered the issue and made the full balance payment on XX/XX/XXXX. Over the several months around this time frame I attempted to set up Autopay with Citibank at least 3 times, with what I understood to be confirmation each time. 

The effect on my credit record of Citibank reporting this single late payment of {$70.00} in XX/XX/XXXX results in two negative factors for recent missed payment and bad payment history. This combined negative reporting causes a substantial reduction in my FICO score, which affects my interest rates as I am attempting to obtain a home mortgage. Citibank 's response to a single {$70.00} missed payment, which I earnestly attempted to avoid, and which I rectified in full once I leaned about the problem, is costing me tens of thousands of dollars in mortgage interest costs ( a single point on my $ XXXX XXXX-year mortgage is {$80000.00} ). 

As a Citibank card member since XXXX I have had around {$30000.00} worth of purchases/balance transfers using this card. With the exception of the recent missed payment due to an account change, I have had a flawless payment history with Citibank. 

I respectfully request Citibank to update my credit profile by removing the negative reporting of my account on my credit profile.
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

I took out a parent loan to assist in putting my son through college. This loan is ridiculous. The interest rate keeps going up, it is now 8 %. I originally borrowed {$12000.00} at the end of the loan period on XXXX/XXXX/XXXX I will have paid back {$34000.00}!! My monthly payment is XXXX and I always pay {$150.00}, this is getting me nowhere. I am hoping there is some way for you to help me. At this rate I will be in debt with this company until after I retire or later if the interest rate continues to climb. Please help or give me advice as to what to do. Everyone I have contacted says they ca n't help because it is a parent loan and not a student loan. I thank you in advance for any help you can give me!
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Brown and Joseph, Ltd (VA)

Brown & Joseph , LLC created an email and sent it to family members telling them its for debt collection. Mass generated email of relatives and sent the bill to be paid and how to pay to rest of the family. It is a clear violation of privacy and collection practices.
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group (CO)

On XX/XX/2021, a XXXX XXXX called my father-in-law and brother-in-law stating it was an urgent matter to get ahold of me. He then proceed to leave me a voicemail stating he was from Northwood Asset Management Group with a call back number of XXXX and saying he emailed me. I checked my email and their was an encrypted file asking for the last four of my social security, but the email did not disclose why I was being contacted. When I called XXXX XXXX he disclosed my full social security number to me before verifying who I was and never told me that he was calling in attempt to collect a debt. When I inquired about what it was he said that my original creditor was taking me to court for a debt. I asked if documentation was being mailed to me and he got very aggressive telling me that he was trying to help me and I was not listening to him then he hung up on me. I then called the original creditor and asked them who they sold my debt to and they confirmed that XXXX XXXX XXXX is the one who currently has my debt and their phone number is XXXX in the amount of {$2500.00}. I believe that they were phishing for money and I find it very worrisome that they have my information and was willing to disclose all of it. I did report their email to XXXX for phishing as well.
Consumer complaint received 2020-07-08
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. (UT)

Equifax is reporting an account that has an active police report showing XXXX is inaccurately reporting fraudulent balances that was due to identify theft. How did XXXX verify fraudulent balances?
Consumer complaint received 2022-08-09
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. (IL)

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX CT XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (PA)

Credit Card : Banana Republic Rewards XXXX Issuer : Barclays XXXX I openened the card in XXXX of XXXX at a Banana Rebublic store after seeing that there was an ongoing promotional offer of XXXX Banana Republic rewards points for all NON-BRAND credit card spend, anywhere XXXX is accepted, through the XX/XX/XXXX. 

In XX/XX/XXXX, I purchased {$1100.00} of goods that count towards that non-brand spend. They were for goods and NOT cash equivalents. Per the terms and conditions, I should have received XXXX points ( XXXX ) within XXXX billing cycles but have not. Additionally, on XX/XX/XXXX, I made another NON-brand spend of {$7200.00} ( also of goods ) of which I am expecting XXXX points as well. 

To date, I have not received the XXXX credit card bonuses that I should have received. 

In order to rectify and investigate this, I reached out to both Banana Republic and Barclays XXXX customer service on XX/XX/XXXX and was given the case number from Barclays of XXXX. 

I reached back out to Barclays on XX/XX/XXXX for an update and was told that upon reviewing my account they could not find any such XXXX non-brand spend reward points bonus for my account and that I would need to send proof. I have received multiple emails with the offer up to this point ( which I will attach ) and so at their direction I PRINTED out the email and mailed it to their po box XXXX in XXXX DE on XX/XX/XXXX and confirmed with XXXX tracking that it arrived XX/XX/XXXX. 

Today as of XX/XX/XXXX, I have had no updates from Barclays and do not see any of the points yet that I should have received. I am hoping that reaching out through a complaint here with the CFPB will net me a positive result, that I won't have been gypped out of hundreds of dollars worth of points.