davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
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. (CA)

Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Consumer complaint received 2019-02-04
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. (CA)

Hello, I submitted a signed letter to XXXX, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX  and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX  an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.
Consumer complaint received 2019-02-05
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: Lazega & Johanson LLC (GA)

I have disputed XXXX ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to XXXX when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what Lazega & Johanson LLC is. I've reached out directly to this company. I have two unauthorized inquiries ( XXXX, XXXX ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
Consumer complaint received 2019-02-05
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: Conn's, Inc. (TX)

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XX/XX/XXXX {$3400.00} CONN CREDIT CORP XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-02-01
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. (FL)

I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX Equifax, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-02-01
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. (IL)

The items listed on my report, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are fraudulent accounts. Please see the attached, documentation which includes a police report and an Identity theft report.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

I applied for a Discover It! Card based upon XXXX recommending the card. My Bank 8 FICO is XXXX, and I gross {$47000.00} annually. I did an application over the computer and was immediately told to call a discover application specialist. When I called in, the rep stated she could not locate an open application for me. So, I went through the process with her over the phone. My application came back denied but didnt state any reason why.
Consumer complaint received 2019-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

Experience, XXXX, XXXX  refuse to stop an eviction that is on all three credit reports. From XXXX  XXXX XXXX XXXX New Jersey which was over 7 years ago. It is damaging me to find a place to live. XXXX XXXX keeps reporting the eviction that happened in 2012. I need this to cease it keeps going. The statue of limitations is over. And it needs to stop being reported. Under the fair credit practices act. Thank you.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX XXXX ( XXXX XXXX ) is in contractual violation of the lease to an apartment I rented from them from XXXX. They falsified inspection documents after I moved out and then continued to claim that I owed them more money, each time I would pay what they asked for. I finally told them enough was enough, at which point - they sold off the " claimed '' debt to a collection agency.. this is my last resort at getting this resolved before I take them to court. I've attached documents for reference. There is much more documentation, going back over two years. I refuse to continued to be bullied by this company - enough is enough!
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (NV)

On XX/XX/XXXX I first contacted Plusfour Inc Collection agency to dispute errors on my credit report I did so in writing I was advise to send these letters by certified mail as proof of receipt. To my surprise the letter was returned stamped ( refused ). I then sent a second letter XX/XX/XXXX it was also refused. Both letters for two different amounts {$340.00} and {$230.00} Were returned. I sent additional letters to the P.O. Box and or the physical address provided on the credit report they were returned. I finally sent a letter to them by regular mail letting them know they were now in violation of the FDCPA law. { 807 } and { 15USC 1962a } and that I will now be taking them to small claims court. They were also made aware of their failure to add the clause ( in dispute by customer ) within 30 days. In the proof file of documents you can see this was not recorded until XX/XX/XXXX on just one debt but nothing on the other {$340.00}. Plusfour did respond after more then 40 days of trying to contact them and again only sent information for the one debt but no verification just a print out of a bill and nothing for the other debt in question. This has been very frustrating I have also been denied credit because of their lack of communication which has effected my livelihood.
Consumer complaint received 2019-02-01
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. (GA)

I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information 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 ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

There were two XXXX XXXX accounts on my consumer report. I did not recognize one account and I reported it as fraud. The account that I did recognize, I just made a payment on XX/XX/XXXX or XXXX, XXXX. XXXX received the fraud report and closed the account on XX/XX/XXXX, that I just made a payment on. I was not called or received any letters asking me to verify the active account BEFORE it was closed. They could have blocked the account until it was verified, without closing it. I did NOT know that the account I didnt recognize was attached to the active account I just made a payment on. When I discovered this, I called XXXX, explained what happened and claimed full responsibility for the once active account that I opened XX/XX/XXXX. I even faxed documents verifying the account and claiming full responsibility. They even mailed me a letter, stating that theyve concluded their investigation and found that the account is mine and they had verified payments. Still, they have not reopened my account with full access and reissued a new card.
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ashton & Weinberg, Inc. (FL)

On the fall of XX/XX/XXXX I decided I wanted to get some unwanted tattoes removed. I went to XXXX unaware that you have to take out a loan through a third party in order to get the services done. I decided to do it anyway because I knew I could pay back the monthy charge without any issue. I tried to set up my bank account through their credit union but for some reason nothing was working. Instead of buting my brain I just decided to withdraw from the seccions and step away from any credit union. After  receiving confirmation from XXXX that the credit had been refunded I started looking for my other options. It is now almost spring of XX/XX/XXXX and they are harrassing me with diffrent collections agency on the same matter. The company sending the collection agencies is XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (TX)

So after already filling a complaint against this company and it being resolved, one of the banks local Branches decided I didnt deserve to have any money at the institution and cleared my savings account and denied me access to it leaving me XXXX and taking like {$100.00} this is so irritating especially from an institution that claims to support veterans. Im now searching for an attorney and Im very unhappy.
Consumer complaint received 2024-10-20
Product: Credit reporting 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. (TX)

These first two companies, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX were not authorized to do a hard pull on my credit report. This companies, XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I do not recognize at all.XXXX EXPERIAN These companies I do not recognize, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (TX)

On XX/XX/XXXX at XXXX XXXX a man named XXXX from Prince Parker and Associates left a message for my office manager claiming to call on behalf of XXXX XXXX XXXX for a past due balance. The voicemail was forwarded to me as I am the XXXX XXXX and handle all of our accounts. I called the gentleman back and he demanded that I give him my phone number. I said he should already have my phone number, he's the one that called our office. He began to get hostile, saying that he talks to a lot of people and I was wasting his time. I told him we have no outstanding balances and would not give personal information, and then he hung up on me. He called back 5 minutes later and once again demanded my phone number. I said I would contact XXXX XXXX XXXX   directly as I do not feel comfortable providing any information to him, and if he was truly hired by XXXX XXXX XXXX to collect a bill he should already have the appropriate information. He yelled " You know what? Have a nice life '' and hung up. I immediately called XXXX XXXX XXXX and was told that our account is in good standing and they have never sent our account to collections. This company seems like a scam and they are extremely aggressive in their tactics.
Consumer complaint received 2019-02-01
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. (FL)

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These inquiries do not belong to me, and I have no connection with the mentioned creditors. I urgently ask for them to be removed from my credit report. 

XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Account name : XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX {$1300.00} is not my account. I have never open this account and it was not authorized. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} is not my account. Also says this account had been bought so it shouldnt be on my credit report plus it was not authorized. Account name : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1100.00} is not my account. Account name : XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$240.00} is not my account and was not authorized. Account name : XXXX XXXX XXXX  XXXX has been paid and should be off my account. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00} is not my account and was unauthorized. Account name : XXXX XXXX XXXX is not my account.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (NC)

I seen this company on my credit report CredMgmtCntl and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Consumer complaint received 2019-02-01
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. (FL)

I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My mortgage was acquired by Wells Fargo about two years ago. I do not escrow taxes nor insurance. Ever since Wells took over my mortgage, they have harassed me incessantly about homeowners insurance coverage. Wells makes up dates of insurance lapse, which are simply inaccurate. This harassment occurred throughout XXXX, XXXX, and now continues into XXXX. 

Wells charges me for an insurance policy they procure ; twice now I have paid their insurance add on premium, the most recent being XX/XX/XXXX. 

To be sure, my insurance agent has faxed to Wells, on at least 20 occasions, proof of coverage, and no lapse. I receive letters from Wells stating that my insurance is found to be intact with no lapse, yet Wells continues their pattern of harassment and fraud. 

I myself have faxed Wells several times over the last two years proof of uninterrupted insurance coverage, have been on several hours of phone calls, some admitting no lapse, yet the harassment and fraud continues. 

On XX/XX/XXXX I went to my Wells branch. The private banker called mortgage services and insurance dept to help me straighten it all out once and for all. He advised me that all was intact with my insurance and to make my mortgage payment without their insurance premium add on. However, that day when I made my mortgage payment, I was not allowed to exclude the added insurance premium, and so I paid the entire amount to keep my mortgage payment current. 

In my history of doing this with Wells, it takes two to three months to get back a refund of their fraudulently collected insurance add ons. 

I will no longer sit silently as Wells defrauds customers, such as me, falsely claiming insurance lapses, despite the fact that they receive proof of uninterrupted coverage in tens and tens of occasions. 

This is clear harassment and fraud. I want it to end and there should be consequences for Wells Fargo insidious practices.