davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Automotive Acceptance (TX)

My vehicle loan was paid off on XX/XX/XXXXand the company has been reported inaccurate information to the credit bureaus. On XX/XX/XXXX I reached out to the company about the account still reporting open. This is not my first complaint about this matter before they was not reporting at all when I called in XX/XX/XXXX. When I contacted the company they say that they report every 30 days. The car was paid off before they report. I also made a complaint with the bbb and they said it takes about 30-45 days to report but also as I mentioned they have not been reporting.
Consumer complaint received 2018-08-05
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: EQUIFAX, INC. (SC)

I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Account # XXXX from Portfolio Recovery Associates appeared on my XXXX, XXXX , & XXXX  credit reports in  XX/XX/XXXX. I DO NOT have a contract with this company. I sent letters to validate the claims and the following information was requested : 1. Agreement with the creditor that authorizes PRA to collect on this alleged debt 2. The ORIGINAL agreement bearing my signature stating that I have agreed to assume the debt and pay Portfolio Recovery 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that they are licensed to collect in my state ; and 7. License numbers and Registered Agent As a result, the company sent me the same exact paperwork THREE TIMES! In XXXX & XX/XX/XXXX. A letter stating " verification information ''. None of which was a single item from the seven items requested in total. As of today, it has not sent me the validation that I have requested under the provisions in the Fair Debt Collection Practice Act ( FDCPA ). It is apparent that they have overlooked or ignored my request. 

As a consumer I am protected from predatory collection tactics & have a right to request AND RECEIVE Validation of an alleged debt in a timely manner ( 15 USC 1692g Sec. 809 ( b ) ). This company has failed to provide the requested information and is in violation of the FCRA by continuing to report false information on my credit reports, thus hindering an accurate consumer credit file and score for me and my family. Please delete this account from all three credit reporting bureaus IMMEDIATELY!
Consumer complaint received 2018-06-22
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. (IL)

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX   first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovative Strategic Solutions (VA)

I was called in on my home phone and cell phone on XX/XX/XXXX. I was called again on XX/XX/XXXX on my home phone, cell phone and I was emailed by XXXX XXXX. I was asked to supply my credit union account number and social security number which I refused to do. 
I called my credit union and was told that they do not use collection agencies to collect and all of my accounts were checked and I have no loans ( which I already knew ). The phone number that called me was XXXX and the person that sent the email was XXXX XXXX, email address of XXXX.
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (FL)

The company XXXX XXXXXXXX XXXX also going by the name XXXX XXXX XXXX reported my cell phone account with XXXX XXXX XXXX to XXXX as being unpaid. Said company did not validate the debt nor did it give me the opportunity to request validation and did not correspond with me at all and in truth this debt has been paid. The company has therefore violated the Fair Debt Collections Practices Act and needs to remove the false information from my credit report immediately.
Consumer complaint received 2020-06-01
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. (AL)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (NC)

On XX/XX/2020 I canceled my debt collection program with Freedom Debt Relief due to hidden fees. I was aware of a {$12.00} fee, but was not aware of the additional fees for a monthly service fee {$9.00} and a settlement fee of {$370.00} for just reaching a settlement with the debt collector. Total monthly fees for {$400.00} for XX/XX/2020. FDR is full of lies and should not be doing business in the United States.
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NC)

In XX/XX/XXXX, my checking account was placed on restriction due to fraudulent check deposits on my Navy Federal Credit Union checking account. They were in the amount totaling over {$2000.00}. I had no knowledge of these deposits until I was unable to log onto my NFCU account via the XXXX app. When I found out about this issue, I immediately called NFCU about the matter and they went ahead and open up a Fraud claim. Two weeks later, I got a letter in the mail stating that the claim was denied & I owed the negative balance on my account. I have been fighting this matter for seven months and each time I would speak to a Security rep, they would tell me that they are looking into the matter and will get back to me. That never happened, as I had to always make the first move. On XX/XX/XXXX, I spoke to another Security rep, as I was in the process of starting a new fraud claim to retrieve my checking account back. The rep told me that I didn't need to start another claim and the only way that I can get an appeal is if I pay the negative balance on my account. I should not be liable for paying back this balance, as I did commit the illegal actions. It is a major inconvenience, as I haven't been able to use any services that Navy Federal offers ever since last year & I had to pay off and close out my credit card that I had with them. I have been a loyal member with NFCU ever since XX/XX/XXXX & I would like to remain a member.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2018 I mailed a certified letter to Wells Fargo dealer services requesting all the documents containing to the debt I owe them as of XX/XX/2018 I have yet to receive any documentation which is a violation of the Fair Credit Act I called and called tell haven't gotten anything.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Old navy credit card has received payments and have not posted them on time. Thus lowering my credit score. I made six consecutive payments on time since XX/XX/2019 and they reduced my credit limit, thereby decreasing my fico score erroneously.
Consumer complaint received 2020-06-01
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. (CA)

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX  and XXXX/XXXX   XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.
Consumer complaint received 2018-08-05
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. (CO)

Hi my name is XXXX XXXX I am reaching out to you do to my Experian credit report. Couple months back I obtained a copy of my Experian credit report and on my credit report there was a duplicate account that was posting twice. One with no data and one with correct data So I contacted Experian and had it disputed. The consumers name that I was disputing for posting duplicate was XXXX XXXX  But unfortunately Experian member deleted an active account from a different company the name for that company was XXXX XXXX XXXX  due to the wrong deletion my credit score took an impact of dropping my score lower. I have tried contacting Experian multiple times but every time I do contact them I am greeted with the foreigner that does not understand what Im trying to explain every time I tell him they deleted the wrong one he tells me yes sir we deleted XXXX XXXX  and I tell him know yous deleted the wrong one then then they put someone else that still dont get that they deleted the wrong credit card posting. I had contacted XXXX XXXX and let them know they were going to post another months worth on my credit report but my concern is my past good credit report history is now missing due to experience deleting the wrong file.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was contacted on XX/XX/XXXX via text message about an XXXX  opportunity to do a commercial with XXXX. I followed up with the opportunity and was told I would receive a check of {$5400.00} from XXXX XXXX  of Arizona for my involvement in the project. I was contacted by another cell number where they told me they would send a check via usps in the amount of XXXX. The mail arrived XX/XX/XXXX in a USPS Express box. I was told to deposit the check on XX/XX/XXXX and later told to withdraw the amount of XXXX out of my Bank of America account on XX/XX/XXXX. After withdrawing the money, I was told to wire the money via bitcoin Atm. On XX/XX/XXXX, I contacted my bank because my card kept getting declined. I was directed to the check fraud customer service and explained my situation but was told there is nothing they can do about it even though they did not detect the check was fraudulent during the deposit resulting in my complaint.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2018-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I did some work for a company that paid me {$50.00} thru paypal. When I requested transfer to my XXXX XXXX debit card on file at Paypal 7 times transfer failed 7 times. When I requested Paypal mail check Paypal began asking for my credit card number claiming to want to confirm who I am. Customer Service at Paypal made false statement several times and still refuses to mail my money or transfer money. XXXX XXXX says it has no record of Paypal trying to transfer money at any time for any reason. 

Thanks, XXXX
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PROVIDENT FUNDING ASSOCIATES (CA)

XXXX XXXX who is my Lender for Loan XXXX. 

XX/XX/XXXX late fee removal denied due to the fact that you posted your XX/XX/XXXX payment on line on XX/XX/XXXX but it was after business hours which posted on XX/XX/XXXX. We did audit their site portal and they do have a disclaimer on the hours for payments made online.
Consumer complaint received 2018-06-24
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. (FL)

Experian continues to report fraudulent information on my credit report. I was incarcerated for 7 years and my identity was stolen. These accounts are fraudulent and need to be removed from my report as it is a violation of the FCRA : 1. XXXX XXXX XXXX # XXXX  2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX  4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX  6. XXXX   XXXX XXXX XXXX # XXXX  7. XXXX/XXXX # XXXX 8. XXXX XXXX XXXX XXXX # XXXX  ( 6 accounts ).

9. UXXXX XXXX XXXX # XXXX
Consumer complaint received 2018-06-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MO)

In XX/XX/XXXX I called my mortgage company ( Citi Mortgage ) and told them my sons dad left and id be down 1 income and wasn't going to be able to make my full house payment. at this time I wasn't behind at all. They told me no and in order to receive any help from them I would have to be behind in payments. So XX/XX/XXXX came and went. Now XX/XX/XXXX I applied for a modification. over the next year Citi did nothing but gave me the run around. I had to submit the same documents numerous times, they would close my application for no reason, I had turned in every document before the due dates, I have confirmation from them numerous times that all my paperwork was with underwriting, they switched homeowners specialist on me 3 times. And I have all documents, emails, mail that proves this. So finally comes XX/XX/XXXX and they come to me with a modification. Now the whole past year of them giving me the run around I now am behind {$10000.00} when it started I wasn't behind at all. So they tell me my new Making homes affordable modification is {$900.00} a month, no change to interest rate, and my loan gets pushed back to 30yrs. My original payment that I couldn't afford was {$850.00}. If they would had done this within 90 days since I did my part then I wouldn't had gotten behind. So then I asked them what if I pay {$6000.00} then will that lower my payment they wouldn't accept it. They did this on purpose and have been taken to court and lost for doing this to others. PLEASE HELP ME
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CO)

I subscribed to XXXX through a XXXX offer. I never had any direct dealings with XXXX. I paid for XXXX on my XXXX bill. When I moved, I returned all equipment per their instructions. XXXX first began to harass and bill me for the equipment. I supplied the XXXX tracking numbers which showed that the equipment had been returned and they stopped trying to bill for that. The final amount due to XXXX on the XXXX bill was {$120.00}. I paid that bill in full. In fact, I overpaid and was refunded {$42.00}. XXXX began to harass me for the {$120.00}. I have checked with XXXX  numerous times and was informed that XXXX had been paid, that I correctly paid the final bill, and that I didn't owe anything to XXXX nor should I pay them directly. I also spoke with XXXX and thought it was finally resolved. Then I started receiving collection notices which I initially responded to but they just argued that I was supposed to pay XXXX not XXXX. I had never done that. They filed a collection notice and that impacted my excellent credit report rating. I disputed that claim. It was resolved and removed. Not too long ago, out of the blue, I received a collection notice once again offerring to reduce the {$120.00} to about {$76.00} - I don't remember the exact amount as I threw it away. Today, I received a notice of a collection notice filed on my credit report. It's from AFNI, Inc for the same {$120.00} bill that I have previously been harassed on and that I cleared from my report once already. The last payment in full to XXXX was made on XX/XX/19 which included the {$120.00} for XXXX. This new report has dropped my credit score by 63 points ( and my score was " very good '' with only a few points to go to hit " excellent '' in the 780 's. This has to stop.
Consumer complaint received 2023-07-27
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. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.