davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX USDOE/XXXX XXXX US DEP ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This account was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On Experian, the date last active is XX/XX/XXXX. On XXXX it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Delete this account from my report immediately : Account Name : XXXX XXXX : XXXX Balance : {$8100.00}
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my 3rd attempt to dispute the information in my credit file which resulted from an erroneous credit information : EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} - previously Late/Closed -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} - XXXX XXXX, Late/Opened XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an FTC report. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (MD)

I'm trying to link my account with XXXX and it will not allow me to do so? I'm trying to make an investment to grow my money for future use and this bank will not allow me to do so. I need to know why this problem exist.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

On the months, of XXXX, XXXX, and XXXX of year 2023 I sent over a verification letter to Experian Credit Beraus. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (NE)

On XX/XX/XXXX, I was assessed an overdraft fee after transferring from one account to the other, to avoid the fee. After completing the transfer in line with the banks funds availability policy they have continued to assess a fee, even though the negative balance was below the threshold described within their policies. I tried talking to both the assistant branch manager at the XXXX XXXX branch in XXXX, who assured me that he would email me, yet I have heard no response. When reaching out to another branch, the manager simply stated he would look into it. After that I proceeded to call into the customer service line, I proceeded to get hung up on four times. After finally getting through I got an incredibly dismissive tier two rep who proceeded to incorrectly stated that another fee was due to merchant error when it was in fact an error with their transaction processing system.
Consumer complaint received 2020-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

RE : PennyMac Loan Svc # XXXX XXXX - Escrow Account I requested via phone and via secure message center for my supplemental property taxes to be paid since at loan funding the supplemental property tax amount was calculated, funded and held in the escrow account ( listed on the escrow settlement statement on purchase on home ). I begged them to please pay since the money was in the escrow account. In XX/XX/XXXX I received a secure message that I would hear a resolution with 14 days .... nothing ever came. I ended up incurring late fees on the property tax and paid them out of pocket via credit card which incurred additional fees. Currently in on XX/XX/XXXX, PennyMac decided my Escrow account has too much funds and have mailed a check back to me for over {$6000.00}. I tried a tried to help them realize the money was there but no one cared or listed and now they figure out they have too much money since they didn't pay. I am fed up with this company and I would like my few hundred dollars and penalties and fees back.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (SC)

On XXXX XX/XX/XXXX I was charged {$19.00} from XXXX XXXX XXXX, I never authorized this transaction and reported it to my credit card company. They closed out that credit card immediately and reissued me a new credit card with a different number. They investigated and sided with the XXXX XXXX XXXX on XXXX XX/XX/XXXX. I again contacted my credit card company and told them again that I never ordered anything from this company. They again investigated and on XXXX XXXX again came back that this was a VALID TRANSACTION. How can it be a valid transaction if I did not order anything? I have been with this same credit card for more than 20 years. 
I will be contacting the credit card company again Monday when their fraud division opens. 
I would like the credit card company to show me PROOF that I ORDERED from this company. When I found this UNAUTHORIZED transaction on my statement I IMMEDIATELY contacted the credit card company FRAUD DIVISION and they issued me a new credit card with a different number. If the credit card company AGREED that this was a VALID TRANSACTION why did they issue me a new credit card with a new number?
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

I was unable to link my PNC Bank account with my XXXX XXXX account. The XXXX website stated PNC Bank has made a change in their policy that does not allow their users to link their accounts with external sites like XXXX. This is unfair.
Consumer complaint received 2020-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC (AZ)

I entered into a loan agreement in XXXX. I've had open and continued throughout 52 payments which double what the car was even worth and still have 14 payment {$420.00} per month left. I have proof that on or around XX/XX/XXXX, my leasing company Global lending services llc called me and told me that if I made 1 payment for my past due amount of {$35.00} they would push two payments back and that I would be current. I made the payment and they did not follow through on their end. Next call I received was the repo man. They made me believe that I was ok and I was able to focus on my other bills. I feel they failed to follow through on the new agreement they set. I already feel I've paid way too much for this car for them to cheat me and take it. I am a single mother of a XXXX   XXXX daughter in 116 degree weather. I can't afford for them to do this now they want {$2000.00}. They also messed up my credit.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I received a collection letter from XXXX dated : XXXX XXXX  asking me to pay {$2000.00} for XXXX  XXXX Credit Card debt ( The debt owner is LVNV Funding LLC ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from XXXX-See attached Letter and documents. 

Then I received another ( 2 ) letters from Resurgent Capital Service dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is LVNV Funding LLC ) This so confusing and its stressing me out, both debts are owned by LVNV Funding LLC, and I do not recognize this debt at all, and they are not providing me with enough information.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (MI)

Company has failed to investigate DISCOVER file even when provided with information that proves account is invalid. For XXXX  months company reported account as at FCRA standards but recently had retracted information. This is proof the company has never actually ran dispute to FCRA standards as previously stated as they removed XXXX inaccurate data points. This is valid proof that the entire file is corrupt data and should be removed. The company should also be held liable for financial damage they caused for not upholding legal standards for FCRA violations on multiple occasions and being the direct cause of financial hardships This account is not mine and that has been stated multiple times on multiple occasions. Account was opened fraudulently
Consumer complaint received 2023-04-01
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. (PA)

XX/XX/2023 {$8300.00} auto trakk is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I mailed a letter to Transunion regarding the accuracy of an auto loan reporting on my credit. The date of the last activity is inconsistent with the other credit reporting agencies and I provided proof of that to Transunion. Transuionon proceeded to report that the account was reopened, which misrepresented my credit report and made it look like I had late payments when the account in question had been closed since 2019. This damages my financial outlook on buying a home and providing for my family.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX appears on my Transunion credit report after I've notify Transunion of the multiple inaccuracies and Unverifiable information currently being reported. 

Name & address on debt be collected could be inaccurate and Unverifiable, a violation of FCRA rules section 1681 Account balance and payment history might be incomplete and inaccurate a violation of FCRA rules section 1681 Date of last activity could be inconsistent and inaccurate a violation of FCRA rules section 1681
Consumer complaint received 2023-03-16
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. (PA)

Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX {$3300.00} 2. XXXX XXXX {$450.00}
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My personal identity information was theft by someone and using it to get a credit card from Bank of America. The Bank of America failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the XXXX  credit union and the Bank of America. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with Bank of America 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from Bank of America and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old name.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (CA)

After over 25 years baking with Navy Federal Credit Union, I applied for a loan to buy a business in 2007. The business failed and I filed bankruptcy. I erroneously failed to file the proper document to have this debt included in the bankruptcy and was unaware of this until recently. Approximately 18 months ago, I applied for a new checking and savings account with Navy Federal credit union. Navy Federal refused to give me a credit card but told me I could open both accounts. After some discussion regarding the history and bankruptcy, they opened the account. I used the account infrequently throughout the year and recently decided to check my balance by phone. My savings account showed a balance of {$5.00} and the checking account had a XXXX balance.. It was at that time they informed me that they had confiscated {$370.00} from my checking account and {$300.00} from the savings account. They claimed this was a lawful debt collection as I had an outstanding debt on a different account from 2007. They took my money from the newly opened checking and savings accounts and refuse to give it back. Now they are threating to sue me for the balance. The statute of limitations has long passed as well as the ability to ding my credit report. I beg them to violate the law here and things will get ugly. At this time I am simply seeking my money back. If this goes on very long, I will seek damages and file a lawsuit. Navy Federal has a history of illegal collection actions and apparently they continue to violate the law. My financial situation has greatly improved and my credit report reflects that. I would not recommend anyone trust this company with their finances.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts, inquiries, incorrect addresses, and inaccurate names appearing on my credit report Reported without valid evidence XXXX XXXX XXXX Please remove inaccurate information from my credit report I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C. 1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than XXXX business days from the receipt of such notice. Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. I am sending this letter as the sender, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. Thank you for your prompt attention to this matter. I anticipate a swift resolution. Sincerely, XXXX XXXX.