davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. 

Since I could I only pick 1 box, here 's the first complaint : they are reporting a 9 year old Chapter XXXX Bankruptcy to my active part of my report, allowing my FICO score to be pulled down. 

I already disputed the accuracy of this. In XXXX, XXXX, and XXXX of XXXX. It's STILL on there. 

Because I couldn't get into their faulty site, I used a free service on XXXX, which only pulls the Experian credit. Well there, 9 full years later, it states my credit score is only XXXX because of a " derogatory public record ''. After 7 years they can't report this for the score. 

Then it states " Few accounts paid on time '', must be referring to the Bankruptcy. I have TWO accounts. 
One with a {$0.00} balance, never late. 
Another with a {$400.00} balance, never late. 

I'll continue this complaint under the correct header. They also have that I currently have 27 accounts. I have TWO! They are reporting one closed in XXXX, and another from XXXX. 

It's currently XXXX.
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (DC)

First part of XX/XX/2020, I applied for a mortgage. NFCU sent me a denial letter and asked for it to be signed and returned back electronically. The decision states I owe obligations to others and something related to income which may be debt to income related. However, the information is so vague and I needed more explanations. I called and spoke to a representative who informed me NFCU didnt pull my full credit report as I asked for a copy of the report to try and obtain another lender. NFCU stated they didn't have it. I asked for NFCU to help me understand the decision with more detailed explanation and they refuse to help me.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

On XXXX XXXX on XX/XX/2022 I received a SMS text message advising me that my balance in my account was - {$52.00} as of XXXX XXXX. I went and made a deposit of {$100.00}, less a {$40.00} withdrawal, for a total of {$66.00} being put in my account that day in the ATM in back-to-back transactions ; all before XXXX XXXX. The next day on XX/XX/2022 I was assessed a {$35.00} overdraft fee ( for a credit card bill payment transaction for {$100.00} I initiated on XX/XX/2022 ). 

*sighs* Once again, the bank is stacking all of my transactions to rearrange them so that a overdraft fee happens. But I don't understand why they would do that if they are operating in good faith / legitimately, as when they notified me on XX/XX/2022 of my negatively, I went and made a deposit ASAP to bring my account positive. I can only react off the information they give me. 

Please have them refund me the {$35.00} immediately, thank you.
Consumer complaint received 2022-07-14
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)

The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX Balance - XXXX XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXXXXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance $ - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ULRS, Inc. (CA)

I first received a phone call from United Legal Group regarding a debt in XXXX of XXXX. I told them I have not received any information in the mail regarding this debt and until I do, I will not be speaking with them further because I needed to verify the debt. They proceeded to call me several times to which I reiterated that I again have not received any written communication from them regarding my debt and I believed the debt was past the statute of limitations. 
I received a voicemail from them on XX/XX/XXXX again attempting to contact me about this debt. I then sent an email to the senior vice president of the company as well as the general administrative email online notifying them of their unlawful tactics and requesting information to verify the debt. I requested the name and address of the original creditor, the account number, and the amount owed ; verification there is a valid basis for claiming that I am required to pay the current amount owed ; details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claimed the debt became delinquent ; information about whether the debt is within the statute of limitations and how that was determined ; the company 's authority to collect upon the debt including their license number, name on the license, where they are licensed, and the name, address, and telephone number of the agency that licensed them. 

I did not hear back from them until XX/XX/XXXX, which is past the 30 day deadline to verify my debt as outlined in the Fair Debt Collections Practices Act. The letter I received in the mail did not include the information I requested and instead I received a letter stating their correspondence includes documentation that serves to validate the particular debt. This " documentation '' is not even an actual medical statement, but rather has charges for unknown procedures that are coded and no information about what I even had done or who paid a portion of the bill that was charged. 

Furthermore, this " document '' they sent states that the last statement on this account was XX/XX/XXXX rendering this debt nearly 7-years old and beyond the statute of limitations for them to collect upon. I have sent them a certified letter stating that they have violated the XXXX XXXX Collections Practices Act dated on XX/XX/XXXX but despite previously stating that in prior correspondence, they continue to harass me in an attempt to collect an unlawful debt. This company has been reported many times on the XXXX  about their unlawful practices as well. They are attempting to collect a debt for {$380.00} yet this debt was never properly validated and even if they had, it is beyond the statute of limitations.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I have complaints with LVNV : 01 XXXX XXXX XXXX balance they claim is the original creditor. The account was opened in XX/XX/2018. At that time I was in XXXX  shelters without enough income to qualify or need a credit line. My mail was still being sent to XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX. I think it was stolen from the mailbox, and a card account was made illegally. I do not owe this amount, and would like this taken off my credit report along with derogatory remarks.LVNV also has a XXXX  XXXX  XXXX XXXX  account that I am not aware of the amount of that is XXXX. I'm not sure of it's origin. I did not apply for this card. It has derogatory remarks that I would like removed from my reports.XXXX XXXX XXXX has been paid in full, and I would like it taken off of my report, and any derogatory remarks.XXXX  XXXX XXXX XXXX a former XXXX  XXXX  Account has been paid in full, and I would like it taken off my credit report, and any derogatory remarks.XXXX  XXXX  orginial creditor 08 XXXX XXXX is being settled as soon as they send me a letter stating they will take the derogatory remarks off my report, and report as a settled account. It also was a charge off, and I would like any charge off accounts that are paid or settled removed. XXXX XXXX XXXX has an orginial creditor account with XXXX  XXXX I am unaware of its origin. I would like it removed from my report, along with any derogatory remarks. XXXX XXXX XXXX has a closed account I would like removed along with any derogatory remarks. I was in XXXX  shelters, and my XXXX  did not pay the car bill. I relinquished the car after I found the address he was living, but they will not remove the bill, or remarks. Considering the situation I would like this deleted. The car loan was XXXX. I relinquished the car willingly, and they still want XXXX. I had already paid 2 1/2 years of payments of XXXX. They sold the car at auction and got XXXX for the car. I'm not sure how they're math is possible, or their morals. I would like any derogatory remarks removed. XXXX  XXXX  XXXX XXXX  has an account I do not know what is. The way it is listed it looks like an account that was paid every month, but wasn't used frequently. It was closed while I was in XXXX  shelters. Please remove it and any derogatory remarks or charge offs from my credit report. The credit limit is XXXX and the amount owed is XXXX dollars since the account was always paid.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

National Credit Adjustment collections agency is engaging in the illegal practice of re-aging debt. An old collection fell off my report and they placed it back on as if it was brand new. I disputed the fraudulent action immediately with all three bureaus. This unethical company verified the debt was correct. Thats impossible. If they dont resolve this illegal matter immediately, I fully intend to sue as they are blatantly violating my rights as a consumer.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

The bank is not letting me withdraw my money by card, by a card-free access code, and by sending momey to a different account for withdrawal. They called me a few weeks back concerned about fraud and assured them that there was no fraud on my account and all tramsactions and requests were made by myself. Yet my account is still frozen. I will sue pnc! This is not the first time i've had a problem with them! They removed my automatic auto payments and are charging me 5.14 percent in interest, versus the 4.89 we decided on upon opening the account, and claimed it was me that called and requested to have it removed. WHY THE XXXX WOULD I RISK LOSING MY CAR? WHAT SENSE DOES THAT XXXX MAKE? Yet, i let it slide, and have not bothered to go in and get it adjusted because i want to pay off this car and not have to deal with those XXXX  again. Many times i told them if my card does not have sufficient funds, i do not want anything to go through, yet they let charges go through and charge me overdraft fees and returned payment fees. I can not wait to take my money out and close the XXXX account.
Consumer complaint received 2020-06-21
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. (FL)

I have inquiries from organizations in which I have no affiliation with. I never authorized the companies to view my Equifax credit report. There is XXXX XXXX XXXX twice XXXX & XXXX XXXX, 2019. Then XXXX XXXX XXXX dated XX/XX/2019 and XXXX XXXX, XXXX XXXX, 2019. 2019, was especially hard because I was my mothers caregiver and she passed, so I was dealing with a lot taking care of her, then her passing so I was dealing a tremendous loss and I did not make or authorize these inquiries. Fraud alert were attached to credit reports, so not sure why I was not contacted in regards to this.
Consumer complaint received 2020-06-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-21
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. (VA)

I visited XXXX XXXX XXXX, XXXX, VA on XX/XX/2020. I was interested in purchasing used cars listed for sale at the dealership. I was ready to pay for the car in cash. Upon insisting that I don't want to finance the car, dealership conveyed that they would do a soft pull and let me know on the interest rates on pre qualified loans and then I could decide if I would want to pay it outright or finance it. 

However, I would like to bring it to notice that at no point in time, did I authorize the dealership to do a hard inquiry on my credit report. But the dealership has made multiple hard pulls just to benefit them in the disguise of getting better rates for me. I was so irritated with the dealership for doing this without my consent that I ended up not purchasing any vehicle from them There are two hard pulls, one from XXXX XXXX, one from XXXX XXXX. This is done without my consent and authorization and hence I would like these to be removed from my credit report and the issue be rectified. 

Let me know in case of any queries. 

Thank You, XXXX
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for 1 quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure Total and Permanent Disability Discharge Loan discharge due to a disability Public Service Forgiveness see below for more details Teacher  Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter XXXX I filed for bankruptcy in XXXX and it discharged in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND XXXX!!!! XXXX XXXX, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-21
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 — Investigation took more than 30 days
Company: COMMUNITY CHOICE FINANCIAL, INC. (DC)

I have filed disputes based upon erroneous/incorrect items on my credit report so that those items can be removed. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-06-21
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. (RI)

Recently ( early XX/XX/2020 ) I submitted my 605B dispute to experian with my ID theft affidavit and all other documents.3 of the 4 accounts were removed correctly however the wrong XXXX  XXXX account was removed. The XXXX  XXXX account that was removed was an account I was an authorized user on not the fraudulent account from years ago ( the numbers were similar ) .Here are all my documents again with the correct XXXX  XXXX account highlighted.Can you please make sure this gets to the right person as quickly as possible.