davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

2nd complaint Reference # XXXX I have called everyday and automatically placed on hold for long periods of time TODAY ( 2days before foreclosure ) I am on hold now for 36min and still waiting PHH has set up 3dates for telephone conference which THEY NEVER CALLED CAM YOU HELP PLEASE
Consumer complaint received 2022-09-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

Eos CCa purchased the debt from XXXX XXXX in the amount of XXXX when my account was charged off to XXXX XXXX. I sent Eos CCA the following documents 1099A 1096 intent to lien and notice of default opp to cure. my 1099a was recieved and accepted by the iRS on XX/XX/2021. I contacted Eos CCA about the account and told them to send me in writing the account was closed and i did not owe them any money. I contacted XXXX XXXX to verify that my account was charged -off with them and the EOS CCA owns the debt outright. I contacted them several times and they keep giving me the roun around for a full year. 

I should have filed a complaint sooner but i wasn'nt sure were to go to file it i had to to my research. I also liened XXXX XXXX and Eos CCa for the amount plus interist they claimed that i owed them for Because I submitted a 1099A along with the documents i just mentioned. 

Eos CCA closed my account and verbally said that i did not owe them any money. 


i want a letter in writing.
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 — Information belongs to someone else
Company: Nelnet, Inc. (FL)

I tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TN)

I obtained my credit report at the end of XX/XX/XXXX. I saw that Navy Federal Credit Union reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that Navy Federal is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on Navy Federals Part. Furthermore, doesn't Navy Federal offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to navy federal, and I have emailed my short-term XXXX papers to Navy Federal. Please help.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc. (FL)

XX/XX/XXXX - notified CDI Affiliated Services that the debt they are trying to collect is the result of an employment disagreement is not owed to the company initiating the claim. 
XX/XX/XXXX - noticed a drop in my credit report, called and spoke to XXXX at CDI Affiliated who said the notice to the credit reporting agency was filed in error and this was going to be removed. 
I believe this is a way to harass me for payment even though there is no valid claim from my previous employer for the amount they are trying to collect. 
Thanks
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have a USAA Visa card .On XX/XX/XXXX XXXX arrived at my house and to treat my house for for termites. They asked for a credit card and i advised them i would pay by check because we have a hacking epidemic in America .I gave them the check for {$720.00}. They treated the house in a very unsatisfactory fashion. Several days later i called another local termite company and they showed up with a 5 ton truck loaded with chemicals under pressure vs. XXXX hand held squirt can. I now new soemthing was definitely wrong. I paid the 2nd contractor {$600.00}. 
On XX/XX/XXXX i checked my credit card and found that XXXX had charged my credit card that i had never given them. I immediately called my credit card company USAA Visa and reported the fraud. If you google complints about XXXX you will find many complaints. One day later i was called by XXXX supervisor in XXXX and asked for an additional {$900.00} dollars. Yesterday i receivedfor $ XXXXI have emailed XXXX XXXX XXXX XXXX., phone # XXXX XXXX XXXX XXXX - XXXX. The articles on=btained on the google search will demonstrate this is how XXXX does business. In the last quarter of XXXX they were successfully sued for {$6.00} million dollars. 
I filed a complaint with USAA and received a letter back ( XX/XX/XXXX ) that i had not provided enough information. During the process of filling the complaint out i was very thorough. Their computer system booted it back at me saying my info was too lengthy. 
I then wrote a letter to XXXX XXXX CEO of USAA. He never replied. I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( you must say '' extension to connect with her ) on behalf of the CEO. She was advised i never gave XXXX the credit card. She then called me back twice only for me to repeat " I never gave XXXX my credit card ''. She then advised i would be billed any way despite XXXX awful reputation i referred her to via XXXX. By then i had spoken to my banker and was advised that The Practice in Credit Act limited my liability to {$50.00}. I spoke with XXXX and she insisted i would ne billed. Not only did USAA bill me but charged interest 2 days ago. I never received a written explanation of their findings. Their first letter stated i had not provided enough information BUT THEIR WON SYSTEM DENIED THE EXTENSIVE REPORTING I HAD SUBMITTED. 
USAA system is responsible for denying me. 
In conclusion, i am trapped between 2 Goliaths. I want the {$480.00} charge by USAA removed ( Dispute # XXXX ) and XXXX should be investigated for fraud.Fraud in Florida is upon a person ageXXXX or greater is a 3rd degree FELONY. Should you want my phone number email and i will provide it. At age XXXX this has caused me a great deal of stress. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 2 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I looked at my yearly report on XXXX XXXX and found a middle name that belongs to a sister. Her address is also included. I have filed a complaint two years ago for the same reason. I in no way gave her permission, nor would I EVER allow her use of my information or change of MY middle name. This has been a constant battle. I have been XXXX  from her and her family for XXXX years. They are disgusting criminals. She happens to be a bankruptcy secretary. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
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: Experian Information Solutions Inc. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2021-08-10
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: NAVY FEDERAL CREDIT UNION (FL)

received this letter NFCU will not allow me to dispute charges with XXXX and XXXX for opened and fraud product XXXX : Debit Card No. XXXX XXXX XXXX Dear Member : This letter is to inform you that we have made a final determination regarding your Navy Federal Debt Card fraud claim in the amount of . 
Based on the facts of our investigation, your claim is found to be valid. The provisional credit of $ issued to your account is is now permanent and will not be reversed. 
If you have any questions regarding this matter, please call us toll-free at XXXX. If you prefer, you may send us a secure message via Navy Federal Online Account Access, or you may write to : Navy Federal Credit Union, Card Fraud Prevention Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. 
Thank you for allowing us to serve you. 
Sincerely, Card Fraud Prevention Recovery Navy Federal Credit Union
Consumer complaint received 2022-07-04
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: WELLS FARGO & COMPANY (FL)

Date of tel.complaint to Wells Fargo XX/XX/2022, Wells Fargo complaint ID # XXXX, WellsFargo case # XXXX, complaint amount was for {$300.00} that was charged to my credit card by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, TEL. # XXXX, Wells Fargo denied my dispute, Wells Fargo said that because this was a warranty dispute they were denying the complaint, that isnt true, when I brought my car in for brake service I was told that the warranty didn't apply, I asked to speak to a manager and he confirmed that the warranty didn't apply because brakes were considered a wear item, similar to tires and windshield wipers but he considered me a good customer and cited the fact that the car was purchased at XXXX XXXX and he asked me what it would take for him to make me happy, and I replied to get my brakes fixed at no charge and I assured him the next car I bought would also be from XXXX XXXX, he agreed to my terms for no charge for the brake repairs, but when I went to the counter to get my keys I was told that there was a {$300.00} charge and that they wouldnt give me my car keys until I paid the {$300.00}, though I objected I had no alternative other than to pay the {$300.00} as I reside XXXX miles away from XXXX XXXX and I am an XXXX XXXX XXXX man with multiple health problems, I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have had multiple recorded tel. conversations with Wells Fargo, the last one was with a XXXX named XXXX on XX/XX/2022, at XXXX am on tel. # XXXX, he told me that Wells Fargo was denying my claim because I had signed the receipt and he said that he had documents stating that the {$300.00} charge was because of some type of warranty insurance, I told him that I had never seen or been given any document saying that, I told XXXX that the only documents I have that are related to the brake repairs done on XXXX, were the XXXX XXXX invoice that states no charge for the entire brake repairs and the CC receipt, he said he would email me the documemts that he refered to that he received from XXXX XXXX, as of now he hasn't sent them to me, he hung up on me before I could ask more questions so I called and spoke to a supervisor named XXXX on XXXX, I asked her if I could appeal Wells Fargo denial of my dispute, she said no but that I could send in a request within 10 days for a review of my dispute, I will do that tomorrow by faxing it to Wells Fargo from their XXXX XXXX, FL XXXX XXXX branch, the fax # is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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. (PA)

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-10-27
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. (NC)

Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, EXPERIAN, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XX/XX/XXXX- XXXX - CARD SERVICES XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX
Consumer complaint received 2021-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/XXXX, I initiated online and over the phone disputes to all three credit bureaus XXXX, Transunion and XXXX. The following accounts are either closed or I am not responsible for the account listed. The accounts listed on my XXXX report that are unverified and shall be removed are as follows : ( US DEPARTMENT OF EDU, US DEPARTMENT OF EDU, FED LOAN SERVICING, FED LOAN SERVICING, XXXX XXXX XXXX  ). 
Accounts listed on my Transunion report that are unverified and shall be removed are as follows : ( US DEPT OF ED, US DEPT OF ED, XXXX, XXXX ). Accounts listed on my XXXX  report that are unverified and shall be removed are as follows : ( U S DEPT OF EDXXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX ). On XX/XX/XXXX, I mailed written requests to each bureau requesting to have the accounts listed above to be verified and if could not be verified to be removed. It has been 30 days and I have still yet to receive any information proving my responsibility for those accounts. I am writing to the CFPD to request that you demand each bureau to comply as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. I have also sent out letters to each bureau letting them know that i would be complaining to the CFPD XX/XX/XXXX.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX group or XXXX XXXX & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding is a debt collector who claimed that I owed {$2300.00} from XXXX XXXX. This debt is still listed as a collection after they stopped hitting my credit after I disputed it in XXXX of 2019. I need documentation of this debt from the original creditor which I haven't received. Also, they are a debt collector based out of Michigan which has not obtained a surety bond in the state of Texas. Therefore, they can not attempt to collect a debt within Texas.