davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (SC)

XXXX AND EXPERIAN HAVE REPORTED A MEDICAL COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HURTING MY GOOD CHARACTER AND REPUTATION. 
THIS ACCOUNT HAS BEEN PAID IN FULL AND PER THE ANNOUNCEMENT ON XX/XX/2022, ALL 3 CREDIT BUREAUS WILL REMOVE ALL PAID MEDICAL COLLECTIONS FROM THE CREDIT REPORTS. 

I HAVE ALSO ATTACHED A SCREENSHOT OF MY BANK STATEMENT OF THE PAYMENT OF " {$480.00} '' FOR THE COLLECTION THIS ACCOUNT IS PAID IN FULL AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 

( EXPERIAN ) XXXX : XXXX XXXX COLLECTION ACCOUNT # XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Penfed Credit Union has been furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my ability to obtain credit for personal and house purposes. Penfed Credit Union has damaged my livelihood tremendously. 
Ive sent in my first letter to Penfed Credit Union, which was received on XX/XX/2022. I send over a rescission letter with a affidavit of truth with a cease and desist form. All documents were notarized and sent certified mail .And by doing that makes Penfed in contract with me with the paperwork that they received .But alarmingly I was responded with a promissory note that only had one signature, by law this cant be binding since its not a wet ink signature nor did both parties sign it. Penfed Credit Union feels that the law doesnt apply to them which is very concerning to me. I responded with sending in another affidavit along with a letter stating that I AGREE TO PAY ANY FINANCIAL OBLIGATION, WHICH I MIGHT LAWFULLY OWE ON THE CONDITIONS THAT PENFED SHOULD PROVIDE THE FOLLOWING XXXX ) Validation of the debt, that is the actual accounting 2 ) Verification of the claim made against me ( thats a signed invoice ) 3 ) a copy of the contract binding both parties 4 ) Full Disclosure 5 ) The Wet ink signature binding both parties 6 ) prof of claim that you know what a person actually is in legal terms I gave Penfed Fourteen days to produce this and they never did. They also committed Trust Fraud
Consumer complaint received 2022-03-10
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-26
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. (HI)

I have disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by XXXX or Equifax after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXXXXXX XXXX  XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.
Consumer complaint received 2022-09-21
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. (MI)

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in my credit report : 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
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

To Whom It May Concern : This letter is regarding Caine & Weiner Account # : XXXX. 

I dispute the validity of this debt back on XX/XX/XXXX. There is no debt owed to XXXX, despite continuous debt service request from Caine & Weiner. 

I have attached the original order with XXXX, dated XX/XX/XXXX. The order terms were for 3 months only. 

On XX/XX/XXXX, I requested XXXX to cancel the subscription service after 3 months. XXXX XXXX of XXXX responded to me stating your request will be processed according to your subscription terms. 

I have also attached my credit card statement showing 3 months of payment to XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX proceeded to charge me for a 4th payment on XX/XX/XXXX despite XXXX XXXX of XXXX acknowledged my cancellation on XX/XX/XXXX. 

Therefore, I disputed the 4th charge ( dated XX/XX/XXXX ) with my credit card company, XXXX. XXXX has reviewed all evidence and issued me a permanent credit for this dispute. Please see dispute judgement from XXXX dated XX/XX/XXXX attached. 

I communicated the above facts along with evidence to XXXX that there's no debt owed to them on XX/XX/XXXX. And yet, Caine & Weiner sent me another correspondence to repay the " debt '' on XX/XX/XXXX. 

Please note that there's no debt owed. And this is a false claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITY NATIONAL BANK (CA)

On XX/XX/2019 XXXX XXXX opened a credit card with Citi National Bank and forged my ( XXXX XXXX ) signature. I had no knowledge of the credit card card being opened until the bank asked me for payment. I never had a card in my possession. I believe that a former employee, named XXXX XXXX ( not sure of the spelling ), helped XXXX open the card. XXXX is a close friend of XXXXXXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NC)

I had to contact them on XXXX delegate occasions to adjust my APR I. Accordance with XXXX XXXX request. When they finally did it, it still does not show on my account online. It still shows 25 % and they said I was delinquent because there system had a glitch and everyday I paid it requested another payment! I have proof of all my payments and have never been late! This company is a scam. They have since lowered my credit card limit as well.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, first off I am not the type to reach out regarding matters that I would normally resolve on my own. I am writing to you this morning regarding an ongoing issue with the newly formed Truist Bank ( BB & T/Sumtrust merger ).

There are two separate matters I am reaching out in hopes that you may be able to assist me with. The first is regarding some fraudulent charges and the second is the cancelling of my account based on me disputing these charges.. 

It all started on XX/XX/XXXX, when I discovered two fraudulent charges made to my checking card. Both were in the amount of {$94.00} to the following companies according to my bank records ( Seamless delightful rest & Unblemished pure advance ), which were not authorized by me. 

XX/XX/XXXX, the same transactions reoccurred for the exact same amounts to the companies listed above. 
XX/XX/XXXX, another fraudulent charge was withdrawn in the amount of {$100.00} to a company called XXXX XXXX. 
XX/XX/XXXX, another fraudulent charges was withdrawn in the amount of {$400.00} to a company XXXX XXXX. 

Date Transaction Payment XX/XX/XXXX Unblemished {$94.00} XX/XX/XXXX Seamless {$94.00} XX/XX/XXXX Unblemished {$94.00} ( Funds returned ) XX/XX/XXXX Seamless {$94.00} ( Funds returned ) XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX Notification of the account closer ( While the disputes were still open ) I filed dispute claims on all of the charges with the bank and all were denied with no reason for the denial ( proof, which I requested ). I would also like to point out that the total wait time I was on the phone during this whole ordeal was close to 28 hours and I still did not receive the correct documents. Being currently unemployed, you can understand that the cancellation of my account and the non refunded {$700.00} has put me in a very difficult situation with my creditors. 

Not sure what you might be able to do, but hopefully a little leverage from your organization and the media might help get me some resolution to this matter. If you need to speak with me I can be reached on my mobile number at ( XXXX ) XXXX. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have unauthorized inquires on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX I NEVER authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (LA)

Waypoint purchase XXXX XXXX Account. I was unable to us the services due to many repeating complications with installment. Cable keep going out days after service was fixed. This went on consecutively for over a couple months. I have had more than 3 days of on a bi weekly basis. I cancelled the account at XXXX main office but they keep charging me for several months when I no longer had they equipment. Please pull phone records if u have to.
Consumer complaint received 2022-04-23
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)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$2800.00} TransUnion : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP (NY)

Hello, I just received a notice in the mail from US Bank that someone or entity tried to applied for a credit line under my private information. I'm really upset about this and this is not the first attempt. Lucky for me the thief was not able to get the credit line because it was not approved accordingly. I would like this to also be removed from my credit cord, being that I am doing my best to fix it. US Bank XXXX needs to do better by protecting people information to prevent these theft from happening. Please le t me know if there is any additional information needed to address this issue head on. Thank you for your time and assistance with this very delicate matter.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (VA)

I called Navy Federal in XX/XX/2022 and explained to them that I was dealing with a financial hardship. The hardship is due to me paying a mortgage and rent at my apartment. My renter moved out of my condo in XX/XX/2022. In XXXX, it was very difficult for me to maintain both mortgage and apartment rent. 

Navy Federal had me on a payment plan for two years where I was paying {$180.00} a month. I brought my balance down to {$16000.00} in XXXX. However, the new monthly payment increased to {$330.00} a month in XXXX. 

I called the bank to apply to a payment plan. They sent me an email confirmation on XX/XX/XXXX approving the payment plan. However, when I called the bank at XXXX. The representative said that I wasn't approved for the payment plan. Now the bank is requiring me to pay {$330.00} a month, which I can not afford and I've expressed this to them on many occasions. The bank does not care and they continue to report my delinquency to the credit bureau bringing my credit score down.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NY)

On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. XXXX were joint accounts that my niece and I had opened in XXXX, which Im the primary signer. The third account is a separate savings account that I opened on my own in XXXX ; which was closed as well. Unfortunately my niece and I ended up being victims of fraud in XX/XX/XXXX. My niece was attempting to sell a vehicle she posted online and the person interested in buying was in XXXX at the moment, he said he was going to send the money using online transfer, but without our knowledge he went to an ATM and deposited XXXX checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted us because he said that he made a mistake and sent too much money. We returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX  XXXX in XXXX XXXX, and also with Zelle. Shortly after the Bank contacted us by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX  XXXX XXXX took immediate actions by closing our accounts and reporting us to XXXX Consumer Reporting agencies, these are : XXXX XXXX and Early WarningXXXX I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now XXXX years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as XXXX XXXX. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).
Consumer complaint received 2022-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (NH)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX nh came and I filled out info to see if I qualified to co-sign for an auto loan for my daughter. Was never notified of contract. I would have never agreed to Contract if I had know terms of said contract. They returned and said they needed additional info. They deceived me and never explained terms of contract.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the Credit Acceptance INC who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.