davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

i sent a letter cerfied mail to equifax about a collection account on my credit report the apartment complex has me down as owing over XXXX i never lived there i apply for the complex but turned it down becauae i could no longer move to a different state at the time i asked equifax in the letter i sent to send proof of me owing this debt and they have not they keep telling me its verifed and i ask them who verifed it and how they will not send me anyproof i know i did not live there so there is no lease with my singarture on it i tried to reach the company and they went into bankrupcy so i can not reach anyone there and the collection agency is giving me a hard time bout getting it removed it is messing with my future of my housing and need some guidance to help me fight this equifax removed it out of public recored but wont take it out of collection even after the courts verified that i never was ask to goto court on this matter
Consumer complaint received 2023-01-07
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} ; PXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-01-07
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-07
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had accepted a Settlement offer on a XXXX XXXX XXXX Personal Loan offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello, I am very concerned with with the financial institution, Navy Federal Credit Union. There have been several instances such as the one I will describe below but with different amount in regards to different companies I have used. For one example, on XX/XX/XXXX I authorized a payment for {$120.00} at the XXXX XXXX XXXX I was at the front desk when the transaction took place, I was also on my banking app and as I made the payment I watched the amount of money come out of my bank account. I check my app every day and for several days everything looked correct, no money was added and nothing was taken away as I was not using that account during the time frame. I check my account on XX/XX/XXXX and I am negative {$120.00}. I call my institution and ask them why I am in the negatives if my money was taken out at the time of transaction. I was told that when the vendor takes more than 3 days to process, the money goes back on to my card and they still have authorization to take it for up to 60 days. No problem, except the money was never put back on my card. I was charged twice. Again, there have been several situations like the one above with different transaction amounts with different vendors. It is a continuing situation Navy Federal refuses to fix or admit that the original payment never goes back on the account and that I some how end up paying twice for a lot of things.
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

When XXXX was handling my loans, I was told I was being put on an income based payment plan in XXXX until XXXX. Speaking with Aidvantage, who is now handling all XXXX clients, they have no documentation that I was ever on an income based loan. 

The monthly payments I was told to make by XXXX ( ~ {$370.00} per month ) were not even paying off my interest in full there for making my loan skyrocket over the years. 

Looking at my history, my loans started at $ XXXX and I paid of $ XXXX, but now Aidvantage is showing I owe $ XXXX since my monthly payment in which XXXX directed me towards were not paying off any of the principal within my loans. 

XXXX misguided me and apparently told me I was paying an income based loan, but Aidvantage is seeing otherwise. 

Now because of XXXX 's mismanagement of my loans, I have a loan bigger than I started with even when I paid off half of the original amount.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-04
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. (ID)

I paid off this loan in XXXX of 2019. I have provided a document stating that it was paid off. This company has sent this same bill to numerous credit collection agencies and there is a new one calling daily. I keep disputing it and show the statement and they still refuse to stop the collections and to stop having different agencies contact me. The credit reporting agency is not even attempting to take it off my report just keeps saying its valid.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

I became aware of unauthorized transactions against my CHIME Checking Account associated with a VISA Debit Card. These charges were reported to CHIME on XX/XX/2023. CHIME was asked to file a Fraud Case. I verified my identity and I had my old card deactivated. 

CHIME was sent the Supporting Documents to back my fraud case on XX/XX/2023. CHIME was also called by phone, I requested a member of management of the Disputes Department in which I never was able to speak with management.

I have provided more than enough compelling evidence to back my claims. I also feel CHIME has ignored my docs, and my verbal request for management. 

I want my case reopened, I want this escalated and I want my evidence reviewed again. 

These charges are from out of the country and appear to be from an online account that was NEVER set up by me nor was the account ever activated and or verified. Funds should have never been taken without Account Verification and or without Identity Verification. 

Amounts withdrew fraudulently on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-01-04
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. (NC)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a many items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 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
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP (CA)

I have been notified by mail that I have a credit card debt. I review the documents that I have been sent and this Identity fraud. I'm not the person on the documents and the address on these documents has never been my place of residents. I have communicated with the debt collector and asking them to further investigate the person on the documents that they have send me. This why I'm reporting this identity thief to cfpb Consumer Financial Protection Bureau.
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (CA)

I received a message of a charge to my debit card of {$550.00} to a hotel in a place Ive never been and called the hotel, then my financial institution to dispute this. I receive these messages for every purchase I make. Since I 've made several in 4 days, I was n't too concerned with opening the statements. However, as I reviewed my statement, there were several notable charges to my card that had enevitably wiped my entite account balance out out. I subsequently made a report with the hotel chain and called my local law enforcement filing yet another report. The following day, as I had to work all night, I provided law enforcement with copies of my account statement. I inquired to the financial institution on the status of this investigation and the following day several more times. I called every merchant yo inform them the transactions were not authorized. Some I received confirmation on, one attempted and others just reluctant to help at all. My financial instituion wo n't tell me when or if I will ever see my money back. I have called several times to the point they messaged me and said if I called anymore about that issyecIbwould be blocked from calling and only left to message. I 'm out money, plans, bills being paid, gas, food and no one seems to care. No one can provide any information and even when I ask if this account is Federally insured, I get the dispute team is working on it and when they have an answer they 'll send a message! No time line no nothing and then told to quit asking! I have read reviews on this finisvisk institution and have to say there seems to be some questionable dealings going on with what they do to their customers. This, in itself, should be investigated.
Consumer complaint received 2023-01-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (CA)

PHH Mortgage currently holds the debt for a property that is in a trust. The sales agreement for this property was signed on XX/XX/XXXX and is due to sell on XX/XX/XXXX. 
Item # 1 : PHH refuses to acknowledge or communicate with our realtor even though we have directed PHH in twice writing to do so and have provided all the information necessary to establish this line of communication.

Item # 2 : PHH claims that they can not " locate our account '' - whatever that means- even though PHH provides us with monthly statements regarding the account. How can this be?

Item # 3 : PHH continually communicates with us from a different office location even though they identified a single point of contact in the early stages of communication regarding the property and the loan. 
Chronology of Events : XXXX : Property Owner dies XXXX : Trustees send death certificate to PHH. 
XXXX : PHH sends a default demand letter requiring the trustees for the property to submit the information required by PHH. 
XXXX : Trustees respond in writing sent by certified mail and include all contact information for our realtor who is under contract via a listing agreement as of XXXX. 
XXXX @ XXXXXXXX XXXX : PHH receives letter sent on XXXX XXXX : PHH sends letter extending foreclosure date to XXXX and claims that PHH still does not have authorization to communicate with our realtor. Letter sent from offices in Florida references all the correct account information for the loan. 
XXXX : PHH mails a statement ending XXXX XXXX for the account XXXX : Trustees receive a written statement ending XXXX. 
XXXX : Trustees receive the PHH letter dated XXXX and write a letter that is sent by email on that day which authorizes XXXX XXXX to act on our behalf and directs PHH to communicate with her directly. PHH fails to acknowledge receipt of the email. 
XXXX : Trustees re-send the letter dated XXXX to PHH via express mail with delivery confirmation. 
XXXX : PHH mails a letter to the trustees from a New Jersey office claiming that they are unable to locate the account with the information provided. What locate means is unclear. Why the New Jersey office does not communicate with the Florida office is unclear. Why PHH is still communicating with the trustees when PHH has been notified twice already to communicate directly with our realtor is unclear. 
XXXX : Trustees receive the XXXX letter and file CFPB complaint
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Hi my name is XXXX XXXX. I received a mortgage statement from XXXX XXXX informing us that my father mortgage rates had changed and the new rate take place XXXX XXXX, XXXX. My father has been deceased since XXXX XXXX, XXXX and the house supposedly foreclosed. My mother was told that the house foreclosed. We were living in it at the time until approximately XXXX XXXX, and the mortgage payments came directly out of my father 's account. The house was auction off and we were ordered to leave. This had never happen to us before and I 'm not sure now that our order to leave was valid. ( I was in another state at the time, because I was a contractor who traveled XXXX of the time, and could be away for months or years. I usually handle things like this for my mother XXXX XXXX, but my brother XXXX XXXX had gotten her a lawyer who was supposed to help her. This lawyer charge Thousands of dollars and never did any work or appeared in court as he led them to believe. I do not think this was a real lawyer and do believe he was part of an identity theft group. ) The people who won the auction sold our house XXXX XXXX and have the mortgage still in my deceased father 's name. The name of the company is XXXX XXXX, XXXX who is listed on the property tax documents, also on documents is XXXX XXXX XXXX as owner. During my research this company has several addresses XXXX ; XXXX XXXX is a XXXX XXXX. We would like to sue the company and Wells Fargo for fraud, using my father 's, supposedly closed, mortgage account to cheat us out of our house. XXXX XXXX XXXX has been all over the media for identity theft from their employers. Rep. XXXX XXXX is vs. Wells Fargo. I contacted her office for help, and I was informed to file a complaint with the Consumer Financial Protection Bureau because I was not in the XXXX area. ). Please help!!!! My mother would greatly appreciate you helping us get our rights to ownership and a settlement for stress and distress. Thanks for your time.