davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XX/XX/XXXXlast 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies XXXX XXXX and Navy Federal continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's Navy Federal contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/2018 + Truck Dealers XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 - All Bank
Consumer complaint received 2020-01-21
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)

Requested for the credit bureaus to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. Sent certified mail. 

Experian didnt investigate thoroughly and verified as accurate. I contacted FTC. This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. It's been deleted by the other credit bureaus. 

I will be pursuing litigation for inaccurate information thats not been verified and distress this has caused!
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I noticed late in XX/XX/XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XX/XX/XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Consumer complaint received 2020-01-22
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-01-22
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)

the Following accounts are fraudulent : XXXX XXXX {$1200.00} XXXX {$680.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ga XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-21
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: World Acceptance Corporation (GA)

The creditor World Finance I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.
Consumer complaint received 2019-10-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing this good will letter to see if I can get a late payment removed from my credit report. We are in the process of refinancing our mortgage and this is the first time we have been late. We are still trying to get caught up with all our bills from the XXXX XXXX earlier this year. The account is updated now and this want happen again!! This was truly looked over on my part. 

Thank You!!!
Consumer complaint received 2019-10-09
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 DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 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 Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida 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 Reported : XX/XX/2019 - {$780.00} Closed XX/XX/XXXX Reported : XX/XX/XXXX. XX/XX/2019 - {$500.00} Closed XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (VA)

Sometime on or around XX/XX/XXXX, sentry credit inc. placed a collection account on my credit report with the three agencies claiming I owed monies to XXXX. 
I have never owned a XXXX credit card and my last transaction with XXXX was for an order that was not delivered to me because I cancelled the order. 
So I disputed the record requesting for proof of delivery of said account and the order. 
The collection account was deleted by the credit bureaus. 
Two years later, on XX/XX/XXXX I received an alert that sentry credit placed a collection account on my 3 credit bureaus for the same amount as the XXXX but with different account number to make it appear as if it were a different account in order to circumvent fcra laws requiring evidence within 5 days if a prior deleted item is being placed on my credit report. 
Sentry Credit in clear violation of fcra laws and consumer laws, fraudulently placed an old deleted disputed account on my credit report and making it appear as new. 
I will like the licensing regulatory board ( s ) to investigate sentry credit records for all records dating back to my original XXXX complaint and the XXXX new account. 
I will also like to request that the board investigate sentry credit files and records for other fcra violations and malpractices which has been detrimental to not only me but other consumers that may not be aware of their rights.
Consumer complaint received 2020-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I deposited a XXXX check from a XXXX bank  written in US dollars. I was told by the Chase employee it would take 1-2 weeks for it to clear. Even after checking with management in the back. A week later I received a letter from Chase stating it would take 4-6 weeks. I spoke with the payer on Friday and was notified the check cleared their bank on XX/XX/. It is a week after the check cleared and the funds are still not in my account. The branch manager told me he cant help me that I have to speak with their executive office The executive office couldnt give me any answers so I requested to speak with a supervisor. Of course there was no supervisor available and I will have to wait up to 48 hours to hear back from one of them. This is totally unacceptable that they have tied my money up this long and I can not get any answers. I am very very frustrated!!!
Consumer complaint received 2019-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I am trying to modify or apply for a forbearance on my home equity loan with Specialized Loan Servicing. I sent all my required documentation to them via mail and uploads. They kept stating that they needed additional documents which I uploaded several times. I was never contacted by them via email or phone which seems strange. The communication with this company is awful and researching them and reading reviews it seems this is their way of dealing with consumers. I wish my loan was never transferred to them. I received a letter for them dated XX/XX/19 stating that they conducted a review of my application for relief options and they are unable to evaluate me. I have sent everything they have requested as I said and they continue to state they do not have all the required documents. I intend to keep my home and would like to have options as to getting help with this.
Consumer complaint received 2019-10-09
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: Experian Information Solutions Inc. (PA)

My credit report in reporting from XX/XX/2019 XXXX 2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MI)

I checked my credit report to find that I had 2 negative medical accounts on my credit profile both which I have no knowledge of. I have never received any bills or notification stating that I owe anything to any medical center nor do I recall going to a medical center for anything.
Consumer complaint received 2020-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a Capital One Platinum credit card where I make minimum payments in direct percentage to the usage of the card. During the month of XXXX of 2017, I was working as a XXXX XXXX for XXXX XXXX  and the engine in my car overheated and blew up, I was left with monthly payments of {$390.00} and repair bill totaling {$5800.00}, at the time I had very little money saved up and I went through a very rough financial patch because I had to start working inside of the store making XXXX rather than XXXX them and that cut off all of my XXXX, therefore I started to make half of what I was making before. Over the that month, I was barely able to make the minimum payment and by the time I reached XXXX of 2017, I reached and surpassed the {$300.00} credit limit in my card, and was left with a balance of {$310.00}, to which was added a {$35.00} fee, which caused the minimum payment to be {$91.00}, which was impossible for me to pay due to my hardship, which I communicated to Capital One and I was unable to come to a lower payment agreement with them. Furthermore, the month of XXXX of 2017 came by, and I still had not been able to fix my car and I was still paying the monthly payments while making half of what I was before, and so I had not been able to make any sort of payment, which caused a second fee of {$35.00}, and a new threshold for my minimum payment allowed of {$120.00}, which once again was an unimaginable figure for me to pay at the moment, so I once again reached out to Capital One over a phone call to attempt to come to a lower payment agreement so that I would not miss yet another payment, but they were unable to help me out. I was able to finally make a payment on XX/XX/XXXX, but by then I had missed two months of payments. Since then, I have continued my business with Capital One and I have never missed a payment. Now, I am attempting to purchase a car and I have two late or missed payment that are hindering my credit report badly, from a moment of hardship in my early adulthood.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (NC)

I submitted a complaint years ago on this company and was told I would be put on a cease and desist. Today PROCollect decided to call and leave a message with an attempt to collect a debt, even though I know my account had restrictions on it and it was written that it was done so by the agency themselves.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (PA)

XXXX XXXX XXXX XXXX  gave us a contract to protect our home. The service never worked properly. When cancelling, they promised us all upgraded equipment for free with another contract. They showed up once and didnt bring equipment. Since then, there are false statements of them saying they came when they didnt and made calls to me that never happened. After battling for years I just want this to end. I have equipment that is from the first contract and so outdated it didnt work with the second contract. I should not have to pay for a service that was never provided to me. Looking into this company now, I regret ever getting in contract with them. They dont let you cancel and keep tacking on money. I am not the only person with these issues. I will not pay for them.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION (AL)

My wallet was stolen, and attempts were made to use my credit cards. I filed a police report, and they located the people who were using, and attempting to use, my credit cards. 

The detective handling the case needs information about the attempts to use the cards. One of the banks refuses to provide the information even though both me and the detective have been to the bank on three separate occasIons ; I filed a complaint with the bank 's complaint line, I called the fraud department three times, I wrote the XXXX. I've gotten no response. 

At first, the bank refused to provide the information, saying that only if me and the detective went into a branch together. When the police detective and I went to the bank together, a woman helping us showed us the attempted uses of my card on her computer screen but refused to download it or take a screen shot for the detective, saying she " couldn't ''. I read off the information and the detective wrote it down by hand. When he took the investigation to the DA 's office, the DA wanted him to get a bona fide transcript of the time, date and location of the times the thieves attempted to use my credit card. 

I went back to the bank, requesting a print-out of the attempts to use my stolen credit card. The woman was on vacation and nobody else could get the information. I called the fraud department again, and was told that this isn't the first time he's heard of this problem and that I should get a " warrant '' -- I think he meant subpoena. Why should the police have to issue a subpoena to get information to prosecute people committing credit card fraud? Why does the bank refuse to cooperate in prosecuting credit card fraud? There is something really wrong going on here because the last fraud department person I spoke to told me this isn't the first time people have called saying the bank won't cooperate. 

I can not view the bank 's actions in any other light than aiding and abetting credit card fraud, and apparently that policy is institutionalized within the bank. This needs to be investigated.
Consumer complaint received 2020-01-21
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-10-09
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. (FL)

I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says XXXX XXXX. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on my credit file.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C. (NY)

Trident Asset Management , L.L.C . claimed an alleged XXXX bill of {$620.00} is owed, and they have this unknown item on my credit for 5 years as derogatory item. 
I have disputed it with them, and they are refusing to remove it out my credit report. 
i will appreciate with your assistance, if the could provide me with a sign contract reflecting my signature and date where this actual enrollment take place. 
according to the Fair Credit Reporting Act, any unknown or non accurate item on your credit, should be deleted. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Pre-approved for auto loan at 3.23 % for a new car XXXX model year for up to XXXX XX/XX/XXXX USAA member # XXXX Confirmed the rate on XX/XX/XXXX at 3.23 %. Had to verbally go over the terms of the deal with USAA Submitted request for payment forms to Dealership {$61000.00}. 

Received a call from USAA that since it was a XXXX new USAA would not longer honor the confirmed rate and had to raise it 3.58 %. 

USAA refuses to honor the original confirmed rate. Please explain how this is not a bait and switch