davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-26
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. (VA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Systems Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear National Credit Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I recently reviewed my credit report and noticed inaccuracies regarding late payment reporting for my accounts with XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Specifically, there are late payments reported for the following months : - XX/XX/XXXX - XX/XX/XXXX and Account Number XXXX, Specifically, there are late payments reported for the following months : - XX/XX/XXXX I believe these late payments are inaccurately reported. According to my records, all payments were made on time. 

Could you please provide proof of these late payments, specifically canceled checks showing the date each payment was processed? I must emphasize that records of transactions alone are not sufficient proof of late payment ; what is required is evidence demonstrating that the payment was indeed processed late. 

Also, to maintain a positive relationship, I am open to resolving this situation through a goodwill adjustment to remove the late payment reporting. This adjustment would greatly assist in correcting my credit report and maintaining my financial health. 

As per the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. If you can not provide the requested proof, please remove these inaccuracies from my credit report. 

Thank you for taking the time to look into this matter. Please let me know when you've received this letter and the actions taken to correct my account. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-07-26
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. (AZ)

I am writing to report Experian for continuing to allow false reporting of information from companies that are operating under : - Fraud ( 18 U.S.C. 1341 ) - Coercion ( 18 U.S.C. 875 ) - Unlawful conversion ( CCC 956, CCC sec 9314, CCC 1717, 1788 ) - Involuntary servitude ( 18 U.S.C. 1584 ) - Unjust enrichment ( CCC 2223, 3543 ) There have been several requests for removal of accounts found to be fraudulent, the last request being mailed and accepted via certified mail ( XX/XX/year> ) which has still not resulted in permanent removal of accounts, but a verification process yet again. Experian has failed to properly ( within 15 days ) remove the information reported by these companies, allowing false and damaging information to continue to be included in the credit report which has caused significant financial harm and distress. 

Furthermore, Experian 's involvement with these companies seems to constitute a form of organized crime and credit sabotage, forcing financial hardships and peonage. Notably, because a written affidavit advising of rescinded contracts ( for fraud, breach of contract, and misrepresentation ) was mailed AND accepted by Experian on XX/XX/year>, by XXXX XXXX via certified mail. By continuing to facilitate false reporting after notification via affidavit, Experian is complicit in the exploitation, sabotage, and manipulation of consumers.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XXXX, XXXX XXXX  To Whom It XXXX Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : XXXX XXXX XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2022-02-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-02-07
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I reported fraud to Navy Federal and they claimed that there was no fraud as well when I asked for evidence from the investigation they did not provide it on two seperate occasions. The ammount was {$510.00} XXXX reported the fraudulent charges on my debit card on XX/XX/year> On XX/XX/year> I requested the evidence of this " non error '' on XX/XX/year> and XX/XX/year> I've been provided with nothing. I submitted an appeal on XXXX and still have heard no update other than they work the cases as the come in. I did not make these charges and realized my debit card was missing. My phone was also stolen around the XXXX of XXXX and I'm unsure why they are acting in this manner.
Consumer complaint received 2024-08-07
Product: Credit 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: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX, I cancelled this order, by refusing delivery. 

The merchant promised me a refund within XXXX business days. That time has past. 
Between XX/XX/XXXX - XX/XX/XXXX, I asked the merchant when to expect my refund. 

One told me to wait 7 more days. I attempted to speak with one of their agents, who said wait 14 days. One had me fill out an " incident report. '' They all give me different answers.

They are just giving me the run around.

Now, when I attempt to speak with an agent regarding this issue, I just get transferred from department to department, until they disconnect my chat.

I have no other option but to file a complaint.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX, my debit card was missing from my wallet when I went to place it in my mini coin bag. To my amazement, the debit card turned out to be in the coin bag.However, it was not the same debit card as the previous day. So, I notified XXXX Police Dept., OCC, XXXX, and CFPB. Then I went to my first customer and I perceived someone went through my wallet, but had no proof. When I went to eat lunch at XXXX XXXX, I couldn't believe my account reflected {$0.00} when it should have had at least {$12.00}. 
When I attempted to log into my online account, it took over ten seconds to open the page after typing the security code. Finally, when it opened, I couldn't believe the balance was {$0.00}, it said Hello, XXXX, and it has a transaction that's not mine. That transaction is {$14.00} XXXX XXXX XXXX. 
In conclusion, either this is now my real online account or a dummy one. Please ensure it's my real online account. Also, Id like to dispute the XXXX Subscription transaction. I never made this purchase. Nor did I authorize it. I think someone manually typed that for switching my debit card twice in one day behind my back.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

It is impossible to contact Rushmore loan management. They falsely told me I was eligible for a covid related forbearance extension then I was told I was not eligible. Rushmore offered a trial modification and the payments were too high. In the letter included with the trial offer, it states to call if the payment is too high but you want to remain in your home. I have left voicemails and do not get calls returned. The company does not have an email address. I have email addresses of a few employees and emails are not answered. Their chat feature on their website does not work. There is zero communication.
Consumer complaint received 2022-03-21
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: LEXISNEXIS (GA)

Please HELP! 

I have been trying to reach someone at LexisNexis for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the XXXX XXXX  XXXX  does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. LexisNexis has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over XXXX  years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a XXXX XXXX  Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my XXXX XXXX, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX.
Consumer complaint received 2024-10-19
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: CORELOGIC INC (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha 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 FTC. 
IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV
Consumer complaint received 2024-07-26
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. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

The website XXXX offers free credit reports every week from XXXX, XXXX and Equifax. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.