davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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. (NC)

I recently got a copy of my Experian credit report and notice Experian is reporting inaccurate information in my credit file. i filed a dispute with XXXX  and I contacted Experian Fraud team explaining that XXXX XXXX XXXX is reporting in my credit file a debt Balance of {$580.00}, but they are sending me a letter saying i owe a debt Balance of {$580.00}, this information is confusing, although i do not owe this debt and never done business with XXXX XXXX XXXX, from my understanding information reported in my credit file must be 100 % accurate and complete if not it needs to be deleted. 

I've never done business with XXXX XXXX XXXX and they are sending me different amounts then they are Reporting to Experian. 

Experian is the only agency reporting XXXX XXXX XXXX XXXX and XXXX are not reporting any debt with XXXX XXXX XXXX XXXX XXXX XXXX also sent me a Photoshopped document with XXXX XXXX header pasted on it. although i've never done business with either it still shows a different amount then what they are reporting. 

XXXX XXXX XXXX  took my current address off of a dispute letter and switched it with the one thats tied to the debt that do not belong to me, then they sent me a letter and added my current address to that debt.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I have fallen victim to identity theft, and my personal information has been used fraudulently, leading to items appearing on my credit report that I have no connection to. Following the major credit bureaus guidance, I filed an FTC Identity Theft Report and submitted it along with the necessary documentation. Despite these efforts, the fraudulent items continue to remain on my report.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. Transunion and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements
Consumer complaint received 2021-10-17
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. (TN)

On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.
Consumer complaint received 2021-12-07
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. (AZ)

I have 12 inq 's on my report with Transunion that I did not authorize or do on my own, I have ID theft and have sent them a notarized fraud affidavit and still they have refused to remove them when the other bureaus have removed them.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

XX/XX/2020 Dear CFPB colleages, My husband and I recently refinanced our home with Navy Federal Credit Union. We closed on our refinance on XX/XX/2020. On XX/XX/2020 we receieved a letter from NFCU indicating that NFCU had completed a post-closing review of the final Closing Disclosure of our Loan ( Loan No. XXXX ) according to RESPA compliance. Noted in the revised Closing Disclsure ( date XX/XX/2020 ) NFCU indcated that {$1000.00} of LENDER CREDITS EXCEEDED the legal limits an dthat our cash to close should be {$1000.00} more that what we received at our closing on XX/XX/2020. I have tried to call the telephone number in the XX/XX/2020 letter for over one month and I have also sent numerous emails to NFCU and have never received a response nor a call back to explain the {$1000.00} charge which exceeded the legal limit. 

Thank you very much. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Ally Financial has not updated my loan information regarding the current balance and payment history for my credit report. The last payment update reported was XX/XX/XXXX and it is now XX/XX/XXXX. I have called the Ally Financial multiple times and the Ally Financial has not given me solid valid solution for the issue. No action has been taken by Ally Financial and the customer service is terrible.
Consumer complaint received 2021-10-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (NJ)

Due to the pandemic, our business has been closed for 18 months. During that time, our home mortgage company granted us deferral. Most recently, we were assured deferral until XXXX, when our business was slated to reopen. Nonetheless, we began making payments earlier, in XX/XX/2021. Note that the mortgage servicer raised our monthly payments by $ XXXX/month, making it much more difficult for us to pay, yet we made payments for XXXX, XXXX, XXXX and XXXX. However, they kept calling us about the past due balances and did not apply the payments to our past due balance. They even refused to deposit the check for the XXXX payment, stating that there was a block on accepting any payments on our account until we paid the past due balance in full. They then reported us as XXXX days late to the credit reporting agencies! This is absolutely outrageous and needs to be reversed at once. We are just coming out of 18 months with no income. We have reopened our business and anticipate being able to pay off the deferred amounts, and we have every intention of doing so, but we need time to take care of a backlog of bills.
Consumer complaint received 2021-12-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC (IL)

My nephew and his girlfriend used my name to get a loan. She signed documents. I went to the police department and filed a identity thief. 
Sent all the papers to the Loancare. They are harassing me. 
I explained to them they have all the documents that I faxed to them. There phone number is XXXX. I spent one hour today. Telling them its not my loan.
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE ()

Dated : XXXX XX/XX/2020 Money should be deposited by : XXXX XX/XX/2020 Amount : CAD XXXX I transferred CADXXXX.XXXX through my account in the Western Union website with email id XXXX on XXXX XX/XX/2020 ( tracking # XXXX XXXX XXXX ) and money should have been received by the receiver within 7 business days which is by XXXX XX/XX/2020. I called customer service WU on XXXX XX/XX/2020 to get an explanation why the Western Union has withdrawn CADXXXXXXXX  ( CADXXXX.XXXX twice ) on XXXX XX/XX/2020 from XXXX XXXX although they issued just one tracking number for CAD XXXX only. I was told that CAD {$550.00} will be refunded within 7 business days ( by XXXX XX/XX/2020 ) and the other CADXXXXXXXX will be deposited in receiver 's account by XXXX XX/XX/2020. I checked my WU account, my XXXX XXXX account today at XXXX XXXX  eastern time, neither I received the amount CADXXXXXXXX  in my bank account nor the receiver received the money I transferred. I sent an email on XX/XX/2020 from Western Union website with all the facts and asked for refund of whole amount of money ( CADXXXXXXXX  ). I didn't get any reply from Western union.
Consumer complaint received 2020-07-08
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and XXXX. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by XXXX. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact XXXX and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company Midland Funding LLC is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with Midland Funding LLC and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX. He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that Midland Funding makes him do that to people. He told me that Midland changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. Midland violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (SC)

XXXX XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PENTAGON FEDERAL CREDIT UNION (NV)

Back in 2017, I used to have a credit card through PenFed. I was unable to make payments so I stopped paying on it. 

Over the next few years, PenFed eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " XXXX XXXX, XXXX '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for XXXX  ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

XXXX XXXX
Consumer complaint received 2022-07-28
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I submitted a dispute on the XXXX XXXX platform informing XXXX of an inaccuracy on my credit report. XXXX has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and have taken all possible steps to resolve the matter. The XXXX phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over XXXX and it was satisfied. I provided XXXX with copies of the agreement between XXXX XXXX and the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to recover from the effect of COVID-19 on my business. This is disgraceful.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

I'm registering my complaint against Convergent Outsourcing. This collection agency has reported with XXXX XXXX XXXX that I have a debt with XXXX XXXX in the amt of {$800.00}. This debt had appeared on my credit report about 2-1/2 years ago, and I disputed this debt on the grounds that I did not authorize service at my residence back in 2015. The XXXX XXXX debt was " Deleted '' by the collection agency that had purchased the debt from XXXX at that time. Now a NEW collection agency, has placed the " Deleted '' debt from XXXX on my report once again 2-1/2 years later. I am requesting that Convergent Outsourcing remove the XXXX XXXX debt from my credit report immediately. Convergent Outsourcing is also misrepresenting the debt, as if they purchased the debt from XXXX XXXX. It is very clear that this debt was already sold to another collection agency about 3 years ago. Furthermore, Convergent Outsourcing " NEVER '' sent me a notice of this debt " prior '' to reporting as a collection on my credit report.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I filed a complaint with IdentityTheft.GOV and reported I had my identity stolen in a few data breeches. One occurring from the VA and XXXX. I printed off a letter from the government website and sent it to USAA but they did not respond or remove from my credit report. I dont know what else to do as they dont respond and keep reporting a debt that is not mine. They are claiming I neglected to pay {$1200.00} for a fraudulent account that I disputed many many times.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (NC)

My name is XXXX XXXX and I have a savings account with Barclays BankXXXX XXXX. 

The savings account that XXXX has neither offers checks nor provides any debit card for money withdrawals as it is an " only online '' savings account. This is how the product has been designed by XXXX. 

Now, considering " online transfer '' is the only way for money withdrawal, the bank has recently started troubling and harassing both me and my wife who holds savings account with the bank. 

Earlier we used to authenticate the external account by verifying through trial deposits that are initiated by XXXX account. 
Now, XXXX enforcing me to provide a bank statement. This is an issue for us as we transfer to most of the times newly opened accounts. 

When approached the bank, the bank has highlighted the reason for asking bank statement for external accounts as the security protocols. 
While I believe this is more looks like a way of holding funds for 30 days until the bank statement is generated for external bank accounts. 

I am filing this complaint against Barclays Bank for following malpractices and using the security protocols as the reason for holding the customer 's funds wherein the bank is now allowing me to transfer funds to newly added external bank accounts for 30 days ( until the bank statement generates ). 

Best Regards, XXXX XXXX.
Consumer complaint received 2022-01-05
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. (CA)

I filed a dispute with XXXX about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX I have tried multiple times to get this removed from XXXX and Transunion. I am not satisfied with the response I have received from TransUnion or XXXX. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel TransUnion is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for XXXX account seems a little excessive.
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I C Systems placed a debt on my credit report, I never received any notices to my residence. 

The amount is {$630.00} I sent all the equipment and paid off my XXXX  account prior to moving from the address it was in service.