davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-04
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

An online scammer scammed me out of {$24000.00} from a wire transfer from Navy federal & {$500.00} from navy federsl XXXX account ive been trying so hard to get my retirement money refunded. i sent Navy federal all screenshots and correspondence from this scammer the bank where it was sent to XXXX XXXX said i would have to see my bank NFCU ive even went as far as not only going to my local police ive put in tiredsely calling these banks where the wires were taken from again my bank has the last say to return my funds .. im XXXX XXXX XXXX and need my funds returned and these scammers caught i did put in with IC3.gov & FTC.gov Im just tired of trying and getting know where.. i have all the proof of the scammers or scammer.. i need your help Please sincerely XXXX XXXX
Consumer complaint received 2020-07-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

My name is XXXX XXXX. I signed a lease with XXXX XXXX back in XX/XX/XXXX. The lease was for 1 year term ending in XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, Texas XXXX National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX They have reported to the credit bureau that I did not full fill my term successfully. Stating that I owe {$3500.00}. Where did this number came from I don't know. I have attempted to disputes multiple times without success. They have changed the date and after it went to collections somehow they report as a late payment as if it a current matter. This is so confusing and frustrating. By all means, is false and I don't understand how they are allowed to do such malice. After many calls to the credit bureau and sending them supporting documentation how is it that they can falsely information & the matter is closed basically saying I'm wrong & they are right. I wasn't aware of a 3rd party to reach to help me until now that I came across CFPB. 

XXXX XXXX scheduled a inspection date on XX/XX/XXXX in which the XXXX maintenance man came by to check and all was well. XXXX contact : ( XXXX ) XXXX I will attach the resident move out instructions given to me, the renewal offer that I declined because I found a home that was 5x the size and {$150.00} less. Also, the lease agreement Page 1. In addition, they even completed a form by my current landlord that I was completed my term successfully. I have followed their protocol giving them notices in advance and completed inspection prior to moving in to my residence of XXXX XXXX XXXX XXXX XXXX, Texas XXXX on XX/XX/XXXX. There is no balance due & successful completion was done of this term lease. Please help me to correct this matter but most importantly that no one else has to go though any injustice of suffer what this does to your credit allowing lenders to see you as unworthy. 

Thank you for your time in this matter, XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (MO)

I have tried validating this debt with First Collection Services ( acct # XXXX ). According to the Fair Credit Reporting Act, they are required by federal law to verify, through the physical verification of the original signed consumer contract. This company failed to present this information and is still reporting this account.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

An inquiry was made to pull my credit report. XXXX XXXX  does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (PA)

XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nj XXXX This company sends me letters and documents every week threatening to send me to jail if I don't pay them a debt I don't owe them. One time they sent me to court but they couldn't do anything because they couldn't prove that I owed them something. Every day I am stressed and afraid because every week they send a letter threatening to send me to jail if I don't pay them, and I have proof of everything.
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (TN)

I recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased some fireworks from XXXX XXXX on XX/XX/2019. 
Their was an issue with the mailing my order to my home due to the fact that they were hazardous, so I tried to change the address. After waiting several week, calling multiple times and emailing the company just to get bo response and no answers, the mailing Company told me that my order was sent back to XXXX XXXX!!! I called XXXX XXXX and finally got an answer, I asked " why hasn't anyone called me or emailed me about my order being sent back " and their response was " we thought you forgot ''!!! After all the frustration I had built up inside I still maintained my professionalism. I asked first if I could get my refund and they replied that " they don't think they can, because they don't keep their history of payments from customers ". Then I asked if they could send it back ... ..A year later I still haven't received ANYTHING!!!!! O just want my {$530.00} back!!!! I would like my {$530.00}, I spoke to the receptionist and the manager, and nothing has happened. I called multiple times, emailed yall multiple times and haven't got any response!!! I need my money back!!! The fireworks haven't been sent ... I haven't touched the box ... nothing!!! I don't want the fireworks just give me my money, THAT'S IT!!!
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2020, I paid my friend using the XXXX app. I had done this previously without any issues. This time, Bank of America charged a {$10.00} cash equivalency fee as well as categorized it as a cash advance, which assesses a higher interest rate. This is something that had never been done before. The bank made no effort to advise me about the change in policy. I called Bank of America on XX/XX/XXXX and spoke to XXXX who refused to waive the fee. I asked to speak to a supervisor at which point she hung up on me. I then called back and spoke to XXXX who transferred me to her supervisor, XXXX who then transferred me to her supervisor, XXXX. In each case they refused to waive the fee and refused to reclassify the transaction as a regular purchase. While I understand the bank has changed their policy regarding charges made through XXXX and XXXX. This had never been communicated to me in the past. I feel it is dishonest of Bank of America to arbitrarily change its policies to charge additional fees without providing any forewarning. I understand the policy now, but feel the bank should waive the past fee and reclassify the transaction as a standard purchase.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. THIS IS FRAUD AT ITS FINEST AND DIRECT VIOLATION OF THE FCRA.
Consumer complaint received 2019-10-23
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. (FL)

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I received a letter from my loan servicer ( Loancare ) saying that I didn't have insurance and needed to update my insurance information with the servicer. This did not make sense because my insurance is supposed to be paid from the escrow account by the servicer. My initial insurance term was for one year XX/XX/XXXX - XX/XX/XXXX. The loan servicer did not even make the payment out of my escrow account for the next year until XX/XX/XXXX, so it was late. Now the servicer is saying that there was a lapse in my insurance coverage from XX/XX/XXXX - XX/XX/XXXX that they are trying to charge me for - I attempted to call the provided number to get clarification on this and it is completely automated with no option to talk with a human being. It does not make any sense that there would have been a lapse in my insurance because I should have been covered for a full year. Additionally, it is the responsibility of the servicer to make payments out of the escrow account which the servicer clearly did not do and now they are trying to charge me additional funds for their mistake and are refusing to provide me an explanation. It is absolutely unacceptable for the loan servicer to charge the home owner for their mistakes and the lack of transparency and inability to reach a human being is ridiculous.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (WI)

On XX/XX/XXXX a debt showed up on my credit report as " in collections ''. The debt collector who listed it is Sequium and it is in the amount of {$210.00}. It also has " XXXX XXXX XXXX '' as the original creditor. I have not had an account with XXXX since 2015, and that account was paid in full and the equipment was returned. I have emailed Sequium twice. I have also sent them messages through their website twice, but have not received any response. In addition, I initiated a dispute with XXXX  through XXXX XXXX. I looked into this company ( Sequium ) on the XXXX XXXX XXXX  and they have 557 complaints filed against them. This entire situation is incredibly upsetting, especially since we are trying to refinance our mortgage ( which is how this fraudulent collection listed my credit report came to my attention ). I hope someone can help ... .thank you!
Consumer complaint received 2022-06-23
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. (FL)

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law. 
XXXX Bank and all the Credit Reporting Agencies XXXX, XXXX, Equifax are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in Federal Court.
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: EQUIFAX, INC. (CA)

Regarding Equifax ... It is EQUIFAX 'S duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 7 inaccurate accounts on my report/file. 

( 1 ) XXXXXXXX XXXX XXXX  Acct ending XXXX ... .... {$3000.00} ( 2 XXXX XXXX XXXX Acct ending XXXX ... ... ... {$4100.00} ( 3 ) XXXX XXXX Acct ending XXXX ... ... .. {$9900.00} ( 4 ) XXXX XXXX XXXX Acct XXXX XXXX ... ... .. {$4200.00} ( 5 ) XXXX XXXXXXXX XXXX Acct ending XXXX ... ... .. {$15000.00} ( XXXX ) XXXX XXXX XXXX Acct ending XXXX ... ... .. {$11000.00} ( 7 ) XXXX XXXX Acct ending XXXX ... ... .. {$5700.00} Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Equifax written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A Bank of America credit card was listed on my credit report with a {$1000.00} balance and had me listed as an authorized user ; however, I do not have a Bank of America credit card. I called Bank of America and they said they were going to work to resolve this issue.
Consumer complaint received 2022-01-05
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

My Name is XXXX XXXX XXXX I am a victim of identity My credit is monitor for FREE for the being a victim of identity theft Experian was monitoring my credit for free. I never give Experian permission to charge me {$24.00} per month for service that I was getting for FREE. This credit report agency started to charge me {$24.00} in XX/XX/2020. I receive the monitoring service for FREE I never authorize for this credit reporting agency to charge my XXXX XXXX account every month for service that I received for FREE. I called the Experian credit services and ask for a refund and I was told that they were unable to give me a refund for the prior months. I contacted my bank about these unautorzired transactions and the case Id number with XXXX XXXX  is XXXX I spoke with XXXX with XXXX XXXX. 

Thanks XXXX XXXX