davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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: Alliance Collection Agencies, Inc. (IL)

Alliance Collection Agencies placed a Collection account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.
Consumer complaint received 2022-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MN)

During the Pause of all student loan repayments, this company stated that My student loans were too old to fall under the stop. When I tried to dispute this they told me there was nothing they could due, because of the way the law was written. I did some research and found out that they lied to me. There was no date put on what student loans were supposed to be paused. They have been charging me interest and late fees for the entire time the Pandemic Loan pause has been in place.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.
Consumer complaint received 2023-04-03
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2018-12-04
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. (MI)

I sent the 3 credit reporting agencies ( Experian, XXXX  XXXX ) 4 letters disputing the items below on my credit report. 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 want 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 XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX Experian XXXX and XXXX has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Express Recovery Services, Inc. (WY)

My mother was in a XXXX XXXX  in 2019 the XXXX XXXX  forced me to sign as responsible party which is illegal. She was denied XXXX I tried to work with them and they turned me over to express recovery services who only told me to pay up! No voicemails left no communication and never validated the debt. Now they are suing me for my mothers bill which legally I am not responsible for!
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (KS)

XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.
Consumer complaint received 2024-02-21
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-03
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$110.00} ; SXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My Capitalone360 bank wrongfully accused me of a fraud transaction and closed my account even with money still in there. I sold a XXXX Note XXXX on XX/XX/2021 on XXXX XXXX. I met with the buyer, they were a boyfriend and girlfriend, or could be any kind of other relationship. It was the man I chatted with, and it was the woman 's XXXX that sent me money. I received {$340.00} from the buyer via XXXX transfer. 

On XX/XX/XXXX the bank called me saying that this person reported me fraud. I told the bank that I sold this person a smartphone. Everything is fair and square, and not a fraud. I told them I will email the evidence if they don't believe me. The bank left me an email : XXXX. I sent all screenshots of our chat. They have yet to reply me after I sent all the evidence to me. By this time it was XX/XX/XXXX. I checked my bank account and it was already closed! Why is the bank so ignorant? Why they believe the liars over the real innocent person!?
Consumer complaint received 2024-02-21
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)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX states that I have the right to privacy. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  it also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2016-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: NCC Business Services, Inc. (TX)

As a consumer who do know my legal rights under the FCRA, FDCPA, XXXX and also CPB I am now demanding action against XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Texas XXXX. These people claim I owe them {$250.00} for moving into there apartments but I never ever signed a legal document or lease. I tried contacting them and they would cooperate with me, totally unprofessional so I am forced to fill out complain. Will stop reporting them when they stop trying to extort me and defame me as a person by deleting this off my credit reports.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO UPDATE COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$14000.00}
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I tried to contact Equifax to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any credit or any person or entity to be able to check my credit report or credit score. Equifax did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

The attached and enclosed inquiries were not authorized by me. If I must pursue further, I will be forced to file an FTC report. It is clearly a mistake and even a violation to attached unauthorized inquiries to my credit report. These must be removed immediately
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AZ)

Greetings. XXXX forgive me for taking out a car loan when I KNEW better. I was pressured emotionally in this loan by XXXX XXXX XXXX when I took my other car in just for an oil change. I'm now and then grossing {$1500.00} per month with a {$700.00} car loan. How were they ABLE to approve such a car loan on that amount of income with a 29 % interest rate? I HAD GOOD credit then and GOOD credit now and didn't NEED a " Second time around lender ''. After speaking to the Executive Department XX/XX/XXXX they had the asked me if I still HAD the vehicle in my possession. I legally do have the vehicle attached to my name and credit report and IN my possession... '' Yes ''. What am I supposed to do RETURN it so I can joyfully " ACCEPT '' a voluntary repossession on my credit report? No... NOT gon na happen. Well... when did this car loan BECOME a problem Ms. XXXX? It BECAME a problem when XXXX went through XXXX  last year in XXXX and every month for 11 months. Starting in XX/XX/XXXX, I called into Santander requesting an extension and was actually granted them " Thank you Santander ''. Now this is where it gets ugly ... After stumbling amongst the lawsuit during the last week of XX/XX/XXXX I reached out to Santander and they told me to speak to XXXX XXXX. I spoke to XXXX over at XXXX Consulting for 30 minutes and he actually apologized that Santander DIDNT ADD me to their data base contingent upon my financial situation. I spoke to a Lawyer about my case and they advised me to just communicate and see what position Santander is WILLING to take. Well on XX/XX/XXXX XXXX in the Executive Department stated that Santander is a " second time around lender '' and good luck Ms. XXXX. Wait! What? I told them then what were my options by which to be added to the data base and because I still HAD my vehicle I wasn't qualified. Okay how about I just drop the vehicle off at the car lot and hope to XXXX they better NOT place a volunteer repossession on my credit report! Basically Santander knew they were in VIOLATION of consumer protection laws of high levels of risk with a high probability of default when they issued this loan! And NOW is the time to FACE the Piper! Either LOAN FORGIVENESS or be prepared to PAY ALOT more in Litigation because I wont stop until it reaches the President of the United States of America.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

XXXX/XXXX/XXXX
Consumer complaint received 2016-10-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

portfolio is showin on my credit report with an account opened date of XXXX 2015 I have only opened XXXX account in XXXX 2015 and that was XXXX auto loan which was paid off in XXXX from an insurance company due to toal loss, ive disputed this portfolio many times and I keep getting same outcome that says they verified accuracies consumers still disagrees, well yea because I did not open a credit card in XXXX 2015
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes.

As outlined in the Credit Reporting Resource Guide ( CRRG ), any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards.

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-09
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NJ)

I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only XXXX and my auto loan balance is XXXX How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Account number : XXXX On XX/XX/2019 someone walked into a Bank of America branch in Florida and withdrew {$3400.00} from my account. It is showing on bank statement as check # XXXX. 
Bank of America gave this person, not me or my wife, these funds. 
This is an identity theft or a mishandling of accounts by Bank of America giving funds to a person who is not who they say they are, theft. 
Called the bank immediately about this unauthorized withdrawal as I was not in Florida but in my home in Connecticut at the time of this transaction. Bank of America said it is an identity theft problem and we need to file a Police report. 
Police report filed, sent to Bank of America ( BofA ) and B of A said we would be reimbursed on receipt of Police Report. I have NOT received any funds, return of {$3400.00} and my enquiries to B of A are falling on deaf ears. Need the to return my {$3400.00}
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/2020 i brought a Money Order from Western Union Services, for a friend out of town. He never received the Money Order. With XXXX hitting my family and friend, the Money Order slipped my mind. I called XXXX. to get information about a Lost Money Order. The stated the Money Order had not been Cashed. She also said that i would be receiving {$48.00} from a {$75.00} Money Order. I said im aware of the {$15.00} Processing fee but nothing or fees are on my receipt in my hand. She stated the Money Order had Depreciated. I said that's not on my receipt. I told her i did not believe her and she was making it all up to Steal my Money. Why wouldn't a Large Company like XXXX XXXX make it clear on ALL FEES. It's All a Trick to Steal Consumer 's XXXX.
Consumer complaint received 2022-01-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

it isn't about loan payments, well it is. I have a private loan from XXXX with Navient for the past 10 years. the total amount was {$3200.00} to start, i currerntly owe {$2200.00}. I have paid {$10000.00} on the loan so far. i have this in writing from them. they said they have mailed out a hard copy to show me how much interest i've paid. seriously? I have paid {$9700.00} in interest and still owe {$2200.00} on a {$3200.00} loan? i also made a one time payment of {$1000.00} at once and i still owe {$2200.00}. what does this make my interest? how can they get away with this? this is worse than a check cashing companies interest rate or buy here pay here place. i filed bankruptcy and wasn't allowed to file on this per my attorney even though it was a private loan. I WILL DIE B4 THIS LOAN IS PAID OFF, I NEED HELP.