davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
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. (TX)

XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that reliant was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, Centrol Control dates are not correct and the bureau is also aware and refused to do anything.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

I do not have a signed contract nor any contract with Sherman Financial Group. I have never done business with this company. I am not Liable for collection for this debt from XXXX XXXX XXXX. I am not responsible for this debt with Sherman Financial Group.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

On   XXXX   XXXX  2017  I was approved for the new  USAA  "  Limitless ''  rewards credit card. USAA 's website promotes the card as earning 2.5 % cashback and says about the card " Enjoy unlimited cash back on the amount you can earn. '' They clearly named the card  Limitless  and indicated that it offers unlimited cash back.     On   XXXX   XXXX    2017  USAA closed my Limitless credit card as well as my older Visa rewards card with them.  USAA  also provided notice that they would close my checking and savings accounts with them in 30 days on   XXXX   XXXX  2017   .     The letter informing me of the closure of my  USA  A Limitless  card said that it was closed due to " unacceptable behavior or activity, '' but did not elaborate, nor would the phone rep I spoke to on   XXXX   XXXX   , 2017  when the  Limitless  card was declined when attempting to make a purchase with it.     I am left to conclude that this " unacceptable behavior or activity '' is that I charged too much to the credit card between the date it was opened and the date USAA closed my account since there was no other significant account activity with my other USAA accounts during that period. I am frustrated with this result and hope that USAA will reconsider their decision and reopen my accounts with them. Having been a customer for over a decade I had previously been very satisfied with USAA and am disappointed that they appear to be misleading members in how they 're choosing to promote their new credit card.
Consumer complaint received 2017-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

On XXXX XXXX I was notified about a hit on my credit report. ( Attached ) XXXX I contacted Credit Management Co who told me they only report the charge off and can not resolve anything. They advised me to call XXXX XXXX but could not offer a phone number. XXXX I then Contacted XXXX XXXX and sent though multiple departments until finally someone was patient enough to find that XXXX XXXX had no record of me ever being a customer or anybody else with my name or address. XXXX XXXX also confirmed that they did not even offer service at my address ( to which I have lived at since XXXX ). I have never done business with XXXX XXXX XXXX. But they said they would get back to me in 7 days with a Case # and any info from Credit Management Co to which they confirmed did do their collections. I had not heard back from XXXX XXXX and on XXXX tried again to follow up. After bouncing from operator to operator at XXXX XXXX I tried Credit management Co again. They confirmed I had contacted them earlier but said there was no correspondence from XXXX XXXX. They suggested I file a police report for stolen Identity and gave me a reference # XXXX My credit record still shows a Collection Chargeoff from a company I have never done business with.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

XXXX 2016 I made purchase with a XXXX down on original purchase of XXXX. Apparently this qualified for deferred interest. I had to return item from this original deferred to a balance of XXXX. In the midst of there statements which are incorrectly billed. The deferred was incorrectly displayed as they made changes and changes to the deferred program I believe to confuse or misguide whatever was going to pay the deferred amount. Well I paid the deferred amount and they apparently say that I have not and decided to bill be XXXX in interest for a deferred I paid already. Starting with XXXX dollars which is deducted from XXXX. The statements show incorrect deferred amount which lead to believe. That credits were not applied correctly so they can come back charge XXXX $ I do n't owe. I have clear record of paying well over minimum and there should be no deferred amount owed. This big lots credit card has Incorrect and mistaken information computed. I spoke with them and apparently they do not look at there own statements to see how wrong the wordi g and information provided is not transparent and unbeliebeable how this practice is allowed to date. They have been contacting via email about offers and new card that have not yet seen I refuse to do business with company who practices deceptive billing practices so that no matter what the consumer does in bringing down down balance in good faith is just not enough. They know I know that it was wrong and they are trying to please me with offers I do n't need or want from them. The original purchase was for XXXX and I retired item in the amount of XXXX leaving a balance of XXXX. Where is the clarity. The receipts clearly show the return but added a separate purchase to the deferred. This is where it 's wrong after backed out of the deferred plans over and over again. I was hard to figure out how my payments were being distributed. Clearly after making XXXX $ in payments that the deferred was covered.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (HI)

This bank has been taking additional funds from my checking account every month for 2 years. I didn't realize it and when I did it was stated it was due to not have the lien title and it was my responsibility to get it. It ended up they had it but entered a wrong letter or number. So every month they took my automatic payment an additional payment due to them raising the apr and an additional payment for assessment, I m not sure if that's a late fee being out wasn't being taken with the original monthly payment and then charging me for it every month for two years. Now we established it's their fault and they have decided on their own they are going to take my money and prepay my principal. THEY ARE STEALING MY MONEY. 

Essentially, they are going into my account taking my money and prepaying my loan that is the exact equivalent of what they are doing. I am 100 % sure that would be considered stealing. Since when is a bank allowed to go into your account and determine what to do with your funds in advance. 
This is making sure everything on my side has been paid and having extra funds and deciding they are going to take it and prepay my loans. 
Fraud is the word they word that comes to mind, THEFT, Bad business... I have given them three weeks to solve this issue and I am now here. They refuse to return my money to my account. 
There is no negative star but that's what I would rate this company.
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NV)

This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from  XXXX   XXXX   XXXX . This company has not and could not provide information like documents bearing  my signature that I owe ( {$540.00} ) to them or to any company. I want signed  documentations from this company saying that I owe the amount they are trying to collect. I have written letters  to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the   collection agency.  XXXX  and  Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing  my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Consumer complaint received 2017-08-21
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. (GA)

XXXX XXXX XXXX did 4 hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (AZ)

After looking/pulling my credit reports on XX/XX/XXXX, I discovered that a company called STELLAR RECOVERY INC placed a collection notice on my XXXX, XXXX, and XXXX for an account with a cable or cellular company ( Not indicated on credit bureaus ) for {$58.00}. I have not received any written notice or communication from this company and have no idea why they are trying to collect this amount from me. I have not ever heard of this company and they are ruining my credit profile. I was not made aware of the debt before it was reported to the credit bureaus. I am XXXX individual. I do not have cable service or use a commercial cellular telephone service. On my credit reports, they are listed as the original creditor, with the date of delinquency of XX/XX/XXXX. As clearly this is not my account, it needs to be deleted immediately from each of the credit bureaus.
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

My name is XXXX XXXX XXXX and I believe I am a victim of a scam. The company of whom I dealt with is known as XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ). This company advertised on XXXX with the promise of student loan forgiveness to students who attended XXXX XXXX XXXX. When I called XXXX, I was told a completely different story. Instead of fulfilling their advertised promise of student loan forgiveness, they instead promised to lower my student loan rates and adjust my monthly payments to a lower fee. XXXX would NOT help me unless I first provided my personal information and financial information to them over the phone. I was told that I would make three monthly payments in the amounts of : {$190.00}, {$190.00}, and {$190.00} before XXXX would do anything else. XXXX also used high pressure sales tactics forcing me to electronically sign documentation giving them Power of Attorney. I later found out that the documentation in which XXXX provided pressured me to electronically sign, is full of spelling and grammatical errors. In addition, I did NOT receive a receipt of any kind after I made the three above mentoined payments. XXXX told me that my loans would be placed into forbearance for the remainder of the year until XXXX and also told me that I should cease all payments and communication to my loan servicer. I was told that I should send my montly payments to XXXX instead of sending the payments to my loan servicer. As a result of all of this, my telephone number has been given out to automated robo-calls where I recieve several phone calls per day Monday through Friday. I have been forced to call my mobile carrier to change my mobile telephone number due to the amount of robo-calls I have been recieving. In addition, I fear that my personal information has been sold and or traded to organizations without my consent. The credit card in question belongs to my wife and after I informed her of the situation, she called the credit card company to ask for a refund on all three charges I mentioned above. Additionally, she has been forced to close the credit card account and open a new one to prevent further fraudulent charges from occurring. XXXX operates a generic website and a XXXX page on the web. I have listed them below. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After depositing a payroll check, the bank made available an amount which I used to make a transfer {$200.00} later. one day after, I realized they had removed the available amount, making the whole check unavailable since XX/XX/XXXX until XX/XX/XXXX, this is a company check, I have already deposited three checks from three different payroll period for the same company. As a result, my account has now an insufficient funds fee of {$35.00}, and they say the only solution is me depositing the {$200.00} in order to avoid additional insufficient funds fee. I have left the bank without a solution, without funds in my account, and with the threat of additional fee, all caused for bank errors.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XX/XX/XXXXXXXX
Consumer complaint received 2017-07-20
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. (MS)

Disputing a auto loan account. I am having an issue with Equifax. I have submitted 3 disputes with them regarding the following account : XXXX XXXX XXXX. It is a paid off car loan. My husband and I are joint on this account. I believe Equifax has corrected and updated my husband XXXX XXXX XXXX credit report but not mine. On my credit file it is supposed to be a CLOSED and PAID account. It was paid off in XXXX  2017 and Equifax keeps saying the dispute is complete but never updates the info. I have not had a problem with XXXX or XXXX. They have updated my credit file to {$0.00} balance-PAID and CLOSED. On my Equifax credit file it is still showing OPEN- {$11000.00} and Equifax will not remove or update it. I contacted the creditor and they updated Equifax with the correction and Equifax had it as $ XXXXPaid and CLOSED for one month and then it changed back to OPEN with a balance. Hopefully you can correct this with Equifax.