davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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: Nelnet, Inc. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Consumer complaint received 2020-07-17
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. (CA)

I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency TransUnion They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Transunion Dispute Results credit report I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the date updated didn't change, this irrefutable proof that no investigation was done. remove for violation However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date updated didn't change/update after the investigation was done, this proves that no investigation was ever done because the date update didn't change. Date updated didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Date updated didn't change to be a current updated date as per FCRA. 
It is to be noted that even after my dispute with the CRA, the date Updated didnt change and inaccurate items such as XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX  date Updated was ( XX/XX/XXXX ), XXXX XXXX past due reported on a collection its a violation, XXXX XXXX past due reported on a collection its a violation, XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX/XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX  date Updated was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from transunion investigation shows the date Updated didn't change/update
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2018 {$500.00} was taken from my checking account with Navy Federal Credit union for XXXX and transferred into a XXXX XXXX, Ms XXXX has a history of fraud and was claims to be realtor I have attempted to work with both Navy federal and XXXX on this with no luck I do have police report
Consumer complaint received 2019-08-08
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. (GA)

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. 

XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (NY)

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I checked my checking account balance via ATM in XXXX XXXX Louisiana as I was planning to make a purchase and noticed that my account balance was off by {$8600.00}. I immediately called USAA to report fraud on my account and come to find out I was actually negative {$17000.00}. I was under the impression that this account would be closed due to the recent fraud activities and I assumed no other transactions would be allowed. On XX/XX/XXXX my military paycheck was accepted into this same " closed '' account in which I argued with a CSR via phone but it was never refunded as USAA claimed that I was responsible for the fraud. At this point, I let it go and open another account with a different bank thinking this will eventually be resolved and I'll be refunded at least my last paycheck and they will check camera 's etc and see I was in another state and it was not me. Time goes on, I let it go until XX/XX/XXXX when I received a letter from the IRS stating I failed to claim the discharged debt of $ XXXX as income and therefore I now owe the IRS XXXX XXXX. What? I call the IRS to dispute and this is when I was told that USAA discharged $ XXXX and I was responsible for the taxes. A second letter was sent from the IRS demanding payment immediately and this prompted me to call USAA and ask specific questions regarding the fraud investigation. I spoke to a banking CSR named XXXX on XX/XX/XXXX. She was very helpful and answered a lot of questions as to the dates and amounts of the checks, the name of the account holder of the checks and she stated that she was looking at a copy of the checks as we were speaking. XXXX also mentioned that someone had called prior to XX/XX/XXXX and requested a withdrawal limit increase. I requested that a copy of the fraud investigation be sent out ASAP so I could forward this along to the IRS but I never received it ( XXXX stated it would be 2-5 business days ). 

USAA told me they sent a card to XXXX where the fraud was located. It so also happens to be the location of a USAA bank. USAA also concludes this investigation in less than 2 weeks. There are numerous complaints by numerous people claiming the same things happening to them. USAA sends me a letter stating that they failed to investigate fraud. But then simultaneously claim they actually investigated this claim. But somehow I was simultaneously in XXXX where the fraud took place and the fraud division is located.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a customer of Capital One since 2014, and Capital One has repeatedly raised my credit line without being able to back opt out. Each time Capital One would send a notice, they'd say " your account is up for review for a credit line increase '', then they'd raise the credit line. Since 2014, I never made one late payment. So, I thought - well, if Capital One is going to raise my credit line from account reviews, then they should be able to review for an APR reduction. This request to lower my APR has been done each time the credit line increases, and each time Capital One replied " your account isn't currently under review at this time for a lower APR. '' I couldn't understand why. I placed a complaint with the XXXX, and Capital One repeatedly lied about reviewing my account, then lowered my APR from 24 % to 22 %, an absolute slap in the face. 

I wonder how can Capital One get away with raising credit lines based on periodic account reviews, without the customer having the option to decline it? Then they turn around and state that they aren't reviewing my account for APR reductions. 

Capital One is getting away with theft, to their very own customers. How is this legal?
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NM)

During the government shut down all of credit card companies promised to skip a month of payments in order to help with those dislocated workers who were being negatively affected by the shut down. Not a single one of them did and they lied to consumers about it which caused me to miss payments a get even further behind to the point at which I could not even begin to catch up. At this time I contacted them and told them the situation and they said they could set me up on a payment plan and suspend my card until I caught up which would give me a much lower interest rate. Again they lied. The ones who lied were CitiBank ( CITICARDS CBNA, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX XXXX.
Consumer complaint received 2023-10-16
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)

In accordance with the Fair Credit Reporting act XXXX  account XXXX, account # 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 an account without my written instructions.
Consumer complaint received 2021-09-08
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. (CA)

When I was reviewing my credit reports on XXXX, XXXX and Equifax I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.
Consumer complaint received 2019-06-12
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bass & Associates, P.C., Attorneys at Law (PA)

The Department of Education and Bass and Associates because of poor communication skills damaged me by taking my tax return the debt is paid and I am not in default please follow the paperwork I haven't received a payment bill in months. On XX/XX/2019 they said still working on issue XX/XX/2019 they took my income tax return PLEASE FOLLOW PAPERWORK
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peterson Enterprises, Inc. (WA)

Step 1 : What is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 2 : What type of problem are you having? 

I have asked via mail several times for Valley Empire Collections to provide supporting documents that show proof I owe money to XXXX. They said there is a judgement against me, first I never had the opportunity to go to court so that in it of itself is wrong that I was not offered a chance to do so. Second, they only issued me statements of balance owing, not the bills themselves that I requested copies of. The XXXX statement they sent me shows 2 separate account numbers for the same address and the same time frame but no monthly bills. I don't want to pay for a bill that I was potentially double charged for. I don't see why it would be an issue for me to see each monthly bill they are claiming I owe for the cycle they are claiming. 

Step 3 : What happened? 

They just reached out to me over the phone at XXXX XX/XX/2019 regarding this debt that initially started out to be {$350.00} and now they are saying it's {$850.00} + due to judgment amount and interest. I informed the person I was speaking to that I've sent them numerous letters ( which he confirmed receipt of ) and that I want a copy of each individual bill for the time period stated of balances owed due to the separate account number confusion. The person over the phone said that since they have a judgment against me that they don't have to send me those. 

Step 4 : What company is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 5 : Who are the people involved? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX I have contacted XXXX as well but they keep referring me to Valley Empire Collections and say that they can't help me with the billing information I was requesting.
Consumer complaint received 2023-10-17
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX 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 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I was at a XXXX Store A Rep form XXXX XXXX XXXX was offering the services, I ordered 4 XXXX  gave the rep my info and paid {$390.00} for taxes with a credit card XX/XX/2019. The deal was we would keep the same of phone numbers we had with the other carrier, when I received the phone by XXXX I called the XXXX XXXX XXXX number to try and active my cell the representative told me I not could keep the same number because the Rep at the store didn't request that, she wanted me to return the cell and buy them again. She also told me that since the lines had not been activated I would not get billed for them that only when activated the billing cycle would start. I hanged up with her and I drove to an XXXX XXXX XXXX store they could not help me there and they would not take the phones and told me I had to return them using the return labels that came in with the Phones. I did return the phones and called them to notify them of the return and that i was not interested in the service I again explained everything to them and told them I wanted credit for the taxes I had already paid on the phones they were supposed cancel the account that had not even been activated. I was told it would take a while for the credit to be given to me that first the would have to receive the phones ( which they did received. I then saw a charge on my credit card for {$430.00} on XX/XX/2019 I immediately called them and spoke to several rep because I was transferred from one to another. One of them told me it would take a while but it would be corrected. then again I was charged on {$440.00} on XXXX XXXX that day I spent over 2 hours on the phone being transferred from one rep to another not one of them doing things right. one of them said the could see no activity/usage and how could they the were never activated. I repeatedly asked to be transferred to a manager I spent numerous days and hours try to get this corrected. I don't owe XXXX XXXX XXXX. I never activated the lines the 4 iphones were returned  On XX/XX/2019 I was refunded for the taxes that I paid on the 4 iphones I returned.
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (GA)

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX Dpt Ed/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.
Consumer complaint received 2022-08-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & 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 XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX {$980.00}
Consumer complaint received 2020-12-23
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. (MI)

I have 2 accounts on my XXXX, XXXX and Equifax reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.