davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (NC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Consumer complaint received 2023-05-18
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. (PA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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. (IA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica (CA)

Please excuse my absence of exact amounts and dates at this moment, however I have a diary with full details of every conversation and date & every amount. 
My son recently passed away, and I provided all documents needed, however due to the nature of his passing I had to leave town and asked for this to be expedited as the funds were needed for this to happen. Approximately {$20000.00} When working with the estate claim department at direct express, confirmed the receipt of all documents required, as well as XXXX XXXX XXXX 's XXXX XXXX XXXX. Direct express, was dragging their feet & my life became more in danger sitting waiting. After being placed in a safe house briefly, and finding by phone call on a Friday at XXXX by a colleague of the estate claims rep. that I had never been in contact with before, to " give me the message '' they were transferring my money to social security. I stated I do not authorized this transfer as estate administrator for this account. However the person hung up. I've been in contact a few times with direct express overseeing bank or Comerica even speaking with the VP, however when I asked her to pull the calls to prove I didn't agree with this transfer of my funds, she no longer returned my calls. I put in many calls through the customer complaint line, having asked to be sent directly to her as she no longer is answering or returning my calls. This money had been sitting in this account untouched waiting for the me to use for the escape from XXXX. These people are responsible for paying me back and then some
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

I sold {$16000.00} worth of product which customers fortunately reported a chargeback and PayPal had a fiduciary obligation to protect me as a business these customers obviously got their product in hand and reported a chargeback this is fraud upon my company PayPal has the obligation to return all fees associated and securities as well this is breach of contract which I have a fee schedule for reimbursement for all chargebacks to be directly sent to the department of Treasury all funds associated with XXXX XXXX the trustee belong to the estate and family trust PayPal must return all funds associated Ithis is rescission of contract due to breach of contract this is not a duplicate but a claim of adverse action
Consumer complaint received 2023-05-18
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXXBalance : {$400.00}, XXXX XXXX Balance : {$140.00}, XXXX XXXXBalance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXBalance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX  Balance : {$540.00}, XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00}, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need.
Consumer complaint received 2023-05-18
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. (TN)

This is my Follow-up 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 items 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 : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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: BARCLAYS BANK DELAWARE (FL)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately BRCLYSBANKDE  XX/XX/2020 Balance : {$1600.00}
Consumer complaint received 2023-05-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

FTC Complaint : Experian Verification User I need a letter to the FTC against Experian for failing to provide the method of verification I have sent numerous letters requesting this in a time frame of 30 days has expired therefore I'm demanding that they removed all information pertaining to XXXX XXXX on my credit report until they can show the method of verification. I want to express that I will be willing to initiate legal proceedings for violating XXXX5 USC 1681 section 2ai. Experian is reporting in accurate information as it been charged off yet reporting as open and late payments in violation of the statuteXXXX XXXX XXXX XXXX XXXX [ Your Name Re : Acct # XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. I have made several attempts to request the method of verification from Experian regarding the information they are reporting regarding my XXXX XXXX account. However, despite my numerous letters, Experian has failed to provide this essential information within the legally required timeframe of 30 days, as outlined in 15 USC 1681 section 2ai. 

I am deeply concerned about the inaccurate reporting of my XXXX XXXX account by Experian. The account has been charged off, yet Experian continues to report it as open and shows late payments, which is a clear violation of the FCRA. Such inaccurate information can have a significant impact on my creditworthiness and financial well-being. 

In light of Experian 's failure to provide the method of verification within the mandated time limit, I am demanding that they immediately remove all information pertaining to XXXX XXXX from my credit report until such time that they can demonstrate the method of verification. This action is in accordance with my rights under the FCRA and the necessity for accurate and fair reporting of credit information. 

Furthermore, I would like to express my willingness to pursue legal proceedings against Experian should they continue to violate the FCRA by reporting inaccurate information. It is crucial that the credit reporting agencies uphold their legal obligations and maintain the integrity of consumer credit reports. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA and inaccurate reporting. I trust that the FTC will work diligently to protect consumer rights and ensure that the credit reporting system operates fairly and transparently. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely
Consumer complaint received 2023-05-20
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. (NV)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear XXXX. 

I XXXX XXXX Consumer and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- XXXX XXXX XXXX account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account name-XXXX 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

My deceased ex boyfriend opened a XXXX account in my name in XXXX TN in XXXX I had no knowledge of this account till XXXX. I talked to XXXX and they cleaned the account on their end but Jefferson capital is still trying to collect on this account and the lady I talked to was very rude and told me its my own fault I didnt call the cops or pay my bills. I cant and wont pay a bill I dont owe. The account was opened Fraudulently and I shouldnt be held responsible for it, also there is no way to charge the other person for this debt they are deceased.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION (NY)

In XXXX after having deferred my mortgage during XXXX, my mortgage company sold my mortgage to XXXX XXXX. I was initially told when I deferred payments, that they would go to the end of the loan term and I would resume the regular monthly payments once the deferment period was over. When this happened, the mortgage company wanted everything that had been deferred up front, which is why the mortgage went to XXXX. There I have dealt with XXXX XXXX, who set me up on a payment plan to make payments towards the balance owed and continue to pay the monthly mortgage due. He told me that I would continue to get overdue notices because technically it is overdue, but to ignore those and continue to make the agreed upon monthly payments, which I have, without missing a payment since. Just this past Saturday XX/XX/XXXX, I received a letter in the mail from SNServicing attorney, stating that I {$11000.00} within the next XXXX  days in order to bring my account to current, otherwise the foreclosure process will begin. This is the first communication stating this. It also states that they will not accept any payment other than the {$11000.00}. My XXXX payment, had not yet posted. Again, I have not missed a payment and have continuously paid the agreed upon amount each month. XXXX not sure why this is happening. They have also taken away my online access to view and pay on my account. I should not be dealing with any of this, and my mortgage should be current, based on the information that I was given when I originally deferred payments during the world wide pandemic. I need help and I need to get this rectified as soon as possible so as to not lose my home and have my XXXX XXXX affected any further. I am also currently unemployed and under a non-compete and have been for the past XXXX  months. I have very limited income, but have still continued to make the agreed upon monthly payments.
Consumer complaint received 2023-05-20
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: National Credit Systems,Inc. (NV)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear XXXX. 

I XXXX XXXX Consumer and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- national credit systems. account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account nameXXXX. 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Opened a checking account with Citibank in XX/XX/2022 after receiving an invitation offering {$200.00} bonus after fulfilling certain requirements. I fulfilled all their requirements, but upon not receiving the bonus I called to inquire and an inquiry was set up. My inquiry No was XXXX. On XXXX I received a letter from the bank stating that I have qualified for Promotion XXXX, but my account is not Form w-9 tax verified. To please complete the enclosed W-9 and mail it to the given address. which I did. When no bonus amount was deposited I called and found out that they did not get my mail. So I went to a branch and finished the paperwork. 
My account was still not W-9 certified. 
My husband went over to the bank manager and got the paperwork issue resolved. 
Yet no bonus deposited. 
Repeated calling, XXXX XXXX on XXXX, XXXX XXXX, got the same reply. Please fax over the proof of promotion. Now I faxed from the bank thinking that will resolve the issue. but it did not. 
It just resulted in a letter dated XXXX from the bank denying any such promotion. 
so called one more time and spoke to XXXX on XXXX and asked for a supervisor. Spoke to XXXX. She said would take care of it. 
No result to date.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (GA)

please see documents and have the accounts deleted from my credit report in the next XXXX days. 

please delete from XXXX and XXXX immediately. 

transunion delete the following - upgrade- xxxx XXXX XXXX the following -XXXX XXXX XXXX XXXX XXXX XXXX