davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

National credit systems fraudulently reported debt on my credit and gas ignored my repeated attempts to validate debt get it removed. They report that I owe amounts around {$300.00} to each of these apartments that I never lived in and have no knowledge of. In fact, when I call the apartments to discuss debt they said they have no idea who I am and also confirm that Ive never lived there and never set foot on their premises. I didnt even live in Texas XXXX XXXX, and the alleged debts are from XXXX. Therefore these entries must be removed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$350.00} in XX/XX/XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$300.00} Account number XXXX XXXX. XXXX XXXX {$310.00} Account number XXXX Opened XX/XX/XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

XXXX you are reporting inaccurate personal information on my consumer report. I have file a dispute informing XXXX that my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that XXXX remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind XXXX you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX  XXXX XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On my transunion report. It shows XXXX  and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on XXXX
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-21
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

In accordance to the respond provided by the company for case XXXX, the company has provided invalid excuse to close my account and, above all, charging me the annual fee of {$150.00}. It comes to my awareness that the company has tried all the excuses to first asking client to open an account and after less than a month close clients ' account for all made-up excuse so as to charge clients ' annual fee. As per the respond, the company manipulate the fact that I did not '' voluntarily notify us of the closing of your account within 30 days while your account was still active ''. The fact is after being notified of the potential closure of my account, I have been calling to have the issue fixed. I actively contact the credit card company to have the matter escalated yet I did NOT receive any respond from them. At the end I was the one who have been actively contact the company to have my identity verified yet at the end they found all sort of excuses NOT accepting the verification documentations I provided.
Consumer complaint received 2023-04-14
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: National Credit Systems,Inc. (AR)

I HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX YEAR OLD THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On this day of XX/XX/2022 I had sent XXXX $ to an email posted in the attachments below. 
I was contancting this man via the XXXX XXXX whilst trying to sell my sailboat. He sent me a very beliveable email from what I thought was PayPal. He stated i nthe email portraying PayPal that he had send me an agreed upon ammount of money equating to XXXX $ USD in exchange for my sailboat. In this email " PayPal '' stated I had excedded my transaction time limit and that he had sent me more money than agreed. " PayPal '' stated that I would recieve XXXX $ USD and that I had been given an extra XXXX $ for this issue. All I would need to do is send him XXXX $ back. Naturally I used the banking transfer app XXXX assoicated with my bank ( XXXX  XXXX XXXX ). I sent him the XXXX $ and he then sent me another email stating that I now had XXXX USD $ in my account and I would need to send him the XXXX $ USD to him in order to be paid for my sailboat. I then realized I was being scammed and proceeded to gather as much information as possible on him and file a report with the Federal Trade Comission for Scam/Fraud . I provided the Federal Trade Comission with his name, address and email as well as telephone number.
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I uploaded a letter to XXXX, equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX or equifax doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

XXXX XXXX XXXX XXXX is making payments to our account as a third party. They send the morgage check out on XX/XX/XXXX and it is still not applied to my account. Caliber Loans is not applying the funds when they are recieved which is making me recieve late charges.
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX or XXXX doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MI)

My wife passed away in XX/XX/2018 and I closed her acct. with XXXX and switched carriers but they kept billing me. My wife 's number was stolen and billing under known was happening. I contacted them constantly and they ignored me. My wife also had her unemployment benefits wrongfully stolen, and I reported that, and it was taken care of. Also, as of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX. I am on XXXX and have a limited budget. This debt should be dismissed on both counts. It is ridiculous. I have also sent them proof of my XXXX and issue and they have ignored me. Why am I being charged for this? It is bullying.
Consumer complaint received 2021-08-12
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. (PA)

I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to Experian and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (CO)

XXXX XXXX failed to fix error in report. XXXX reported late payment but I had already gone to XXXX Store at XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CO XXXX XXXX ( XXXX ) XXXX many months prior to close account and then again to talk to store manager to have payment cancelled which he agreed to do. I then sent Debt collector a letter explaining all this with necessary info from XXXX store. Debt collection has not responded.to this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV INC. (IN)

XX/XX/20 used atm that did not dispense cash. XX/XX/20 called money network and dispute transaction. They said that they would credit my account and mail a dispute letter within 3-5 days. I called 3 times days after because I didnt get letter or credit. After 9 days I received letter I faxed and mailed. After many calls I am told merchant agreed to return my money. Yet after 30 days I still have not received my money and getting a run around
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I uploaded a letter to XXXX, equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, equifax or XXXX doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I uploaded a letter to XXXX, XXXX  and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX  or transunion doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2020-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.
Consumer complaint received 2020-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

FTC Report number # XXXX Experian report number # XXXX I attempted to submit a dispute a dispute with Experian and their system would not allow me to submit supporting documentation to back it. This is a violation of the FCRA. I have attached supporting documents that I was trying to submit with this dispute. Please investigate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

EQUIFAX is BLATANTLY violated 18 USC 8 ( The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ) and 31 U.S. Code 5118 ( ( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest. ), by reporting that it " verified that account belong to you ''. IN THIS MANNER EQUIFAX IS ENGAGING IN FRAUD, CONSPIRACY, CRIMINAL BEHAVIOR. EQUIFAX deliberately violates the law. 

>>> We have researched the collection account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *BALANCE DATE *STATUS DATE. If you have additional questions about this item please contact : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX. 

TOTAL LIES, HOW'S IS IT POSSIBLE FOR THIS LYING COMPANY TO OPERATE??? WILL BE SUBMITTING CRIMINAL COMPLAIN WITH ATTORNEY GENERAL OFFICE.
Consumer complaint received 2020-11-20
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. (MS)

On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

My daughter has been trying to help me apply for a loan modification as my wife passed away and Covid I fell behind in my payments this was in XX/XX/XXXX since then I have been turning in documents and they send me a letter they need more documents they wont take my payment because they said I am in a modification and the balance is now XXXX they increased my monthly payment without notifying me. I cant reach a live agent then I spoke to XXXX XXXX and he said they dont need a profit and loss for me cause I am retired. On XX/XX/XXXX they sent me a letter which I got on XX/XX/XXXX. They denied my modification because all docs were not provided. But due to Covid its taking more time to get the deed they need now we are denied and cant get to a live person Im also a vetern and worried I will loose my home please help.