davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OLD NATIONAL BANCORP (AZ)

To whom it concern : we feel harrassed by Old National Bank. We had a personal loan for a business with XXXXXXXX XXXX, whom was bought out by Old National Bank. We assumed we would continue with our payment on this loan. They are now calling in the entire amount of the loan, which is around {$40000.00}. They want payment by XX/XX/2018 in addition a penalty of over {$1800.00}. We are seniors on fixed incomes. 
Were requesting a payment plan as we had initially. We anxiously look forward to a reasonable response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX We have made many efforts to pay this loan, including a line of equity based on the home but it fell apart when we had to replace a furnace. We can not do this again in time for XX/XX/2018. Please assist us. I do have an XXXX credit score. No other outstanding bills or loans or credit cards.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Account Services Collections, Inc (NC)

After viewing my credit report I found out that a medical bill was sent to a collection company. The medical service was from XXXX and I was insured. They are a third party company and should not have access to my medical information. This is a HIPAA violation.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

I have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I also addressed TWO letters to their CEO, XXXX XXXX which went unanswered, therefore, he is aware of what his company is doing. There have been Class Action Lawsuits regarding this very practice and in all likelihood there will be more.
Consumer complaint received 2018-07-09
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I WAS RECENTLY INFORMED VIA A BACKGROUND CHECK THAT THERE WERE MULTIPLE COLLECTION ACCOUNTS AND INQUIRES THAT WERE FILED WITH CHEXSYSTEMS IN MY NAME. I DID NOT AUTHORIZE ANYONE TO OPEN UP ANY ACCOUNTS IN MY NAME NOR DID I AUTHORIZE ANYONE TO WRITE CHECKS IN MY NAME. I HAVE BEEN THE VICTIM OF IDENTITY THEFT FRAUD SINCE 1986. I HAVE DISPUTED THIS WITH CHEXSYSTEMS ON THREE SEPARATE OCCASIONS, BUT THE FRAUDULENT INFORMATION IS STILL BEING REPORTED BY THEM. 

THERE ARE MULTIPLE ERRONEOUS NAMES, ADDRESSES AND DATE OF BIRTHS THAT ARE CURRENTLY BEING ASSOSICATED WITH MY REAL NAME AND SOCIAL. THERE ARE ALSO MULTIPLE INQUIRES THAT WERE NOT INITIATED BY ME NOR I AUTHORIZE ANYONE TO DO SO. 

***FRAUD NAMES : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX ***FRAUD ADDRESSES : XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL
Consumer complaint received 2017-08-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.
Consumer complaint received 2022-11-24
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. (GA)

I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Based on the new requirements for Public Records I have filed disputes with XXXX, XXXX and Equifax to remove my tax lien based on it lacking a full SS # or D.O.B. I disputed 2 times with XXXX and they just last week removed the lien. With Equifax I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution. With XXXX, I disputed first on line the week of XXXX XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XXXX XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XXXX XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XXXX I found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed  and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it. I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: MIDCOUNTRY FINANCIAL CORP (WI)

XXXX XXXX has attempted to take me to court for a wage garnishment from a debt I fell behind years ago ( Early-Mid XXXX ) due to job loss./possibility of homelessness. 
I rightfully would receive an exemption due to having received government assistance within a 6 month time frame and filled out a form stating such. 
I also currently work for a XXXX XXXX XXXX and am unfamiliar with the legal system so there was miscommunication regarding the paperwork for the garnishment with said company I work for. My checks were then garnished ( before the court made a final decision ) and XXXX XXXX began continuously receiving money from my checks despite my attempt to contact them to explain this. The head branch manager at the XXXX location refused to return any funds to me and threatened to sue me again even if the judge does find me exempt for that moment. I've even mailed proof of why I'm exempt but found out in court ( late XX/XX/XXXX ) they were not going to even present it because the attorney they sent was very unprepared and knew nothing about my case. They still ended up receiving up to {$600.00} and I requested a refund of this which the person ( head branch manager ) responded to with a " sure ''. I've not heard back since but I do see that they have initiated yet another attempt to wage garnish me. They have not even updated the amount that was originally owed to reflect the funds they should have never received from the beginning. I've received nothing but rude and condescending treatment from the head branch manager but most importantly can't believe they would follow through with illegal and immoral practices in attempts to collect a debt that would be considered " small '' given that they are a bank.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-03
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX AND EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

My wife and I filed for Chapter XXXX bankruptcy on XX/XX/year>. It was dismissed on XX/XX/year>XXXX voluntarily, XXXX days later. All XXXX credit bureaus continue to post the bankruptcy on my report. They state they can report it for a total of 7 years. I wrote a good-will letter to each agency asking them to please remove this non-event to no avail. I never filed ever. I am not able to get approved for standard rate loans or insurance.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

There is a ID fraud alert placed on my card and I cant get it off. They have placed the wrong number on it and I cant get the bank to reissue my credit card! 
I have sent numerous letters and still nothing. I tried to apply for another credit card and they say they have a fraud alert and cant get thru to the number placed on card. ( because number is wrong ). All I want is for them to take off the fraud protection or fix it with my real number ( XXXX ) The report number from Experian is XXXX for XX/XX/18 The bottom of page 8 has  the wrong number.
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Harris & Zide (CA)

On XX/XX/XXXX, I received a letter from Harris and Zide representing XXXX XXXX. The original creditor was XXXX XXXX bank but sold to XXXX funding. The letter stated they were processing a lawsuit to collect the amount of {$950.00} and to contact them immediately. I contacted them and spoke to a representative by the name of XXXX. I informed her of the letter and let her know I wanted to set up arrangements. She asked me what I could pay and I stated {$25.00} a month. She advised me that they could not agree to that amount but I could send the money but that would not stop the lawsuit. I told her I would follow up later. The next day I set up payment arrangements with a guy named XXXX in the amount of {$56.00} a month until the balance is paid off. I asked for the agreement in writing and was informed that I would receive a stipulation with the agreement and to sign and send back. Weeks went by and I followed up on the agreement. By then I made 2 payments. They gave me the run around and said that I should receive it soon. I asked to speak with a supervisor. The supervisor 's name was XXXX. She faxed me a written agreement of the payment arrangement. On XX/XX/XXXX, I received the stipulation with a different amount owed of over {$1300.00}. This amount was never disclosed to me in any of the previous conversations and it is not the correct balance reported on my credit report. The agreement they sent me stated I owed {$950.00}. I do not deny the balance of {$950.00} but they can not collect on more than what the debt is.
Consumer complaint received 2017-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

AMSHER COLLECTION SERVICES ; DATE ASSIGNED : X/X/2013 ; ORIGINAL AMOUNT OWED : {$190.00} ; AMOUNT NOW OWED : {$180.00}. This is showing up on my credit report as a collections issue.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (FL)

Around XXXX dollars was fraudulently charged to my revolut account. Via XXXX XXXX  I never was in a XXXX  and never visited a XXXX  store on the day in question this can be verified through my phone data and history. However as I communicated my phone was not stolen. Revolut is claiming non responsibility for the charges
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is about a purchase I never received since XXXX and the credit card toying with me and keep saying they sent disput form and they have to investigate and the person I talked to she was very rude interate style and make this look like a crime investigation and told me that I should go after the company and post office really Fact is XXXX XXXX cards have purchase protection for lost item never received and they just being cheap
Consumer complaint received 2017-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have an existing mortgage with Union Bank, when making payment in XXXX XXXX. XXXX in XXXX XXXX, Ca. in XXXX of 2017 I was approached by a bank employee XXXX XXXX ( XXXX ) who suggested that I refinance my loan and get better rate, he then proceeded to email and phone me and send me application which I eventually filled and returned with all relevant documents and tax returns. I did not pay the {$550.00} non-refundable application fee until they had all the relevant documents, at this point XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were also emailing and collecting documentation and asking for {$550.00} application fee which I didnt want to pay until a prelimanry approval was provided. I had sent all the documents by X/X/2017 and XXXX XXXX ( who informed me he has 30+ years of brokerage experience and had looked at all the paper work regarding our financial status ) wanted to proceed with the lan application, I finally paid the {$550.00} fee on X/XX/2017 based on good-faith assumption that all was in order and that we were pre-approved, at least based on the knowledge, expertise and experience of all involved. On X/XX/2017 I was informed they docs have been submitted to underwriter, I received letters from XXXX XXXX that my refinance was denied ( although I have an existing loan with them which is in good standing and the refinance would have reduced my payments to them ) due to excessive obligations, I had a X/XX/2017 meeting with XXXX XXXX and XXXX which they asked for further financial documents to resubmit to the underwriter, and also informed me that we had $ XXXX monthly income but we needed to have $ XXXX to qualify information which was already available to him prior to collecting the {$550.00} fee ) and since then I have not heard back from XXXX XXXX despite multiple attempts with email. I met with XXXX XXXX and was told that he would be looking into the refinance and I asked to get my {$550.00} fee back given that they had all the relevant information and should not have collected the fee knowing exactly where we were with our finances.