davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for XXXX XXXX, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX  XXXX : {$220.00} Total : {$2100.00}
Consumer complaint received 2017-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.
Consumer complaint received 2024-09-24
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2017-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

Electronic funds was deposited into my account. A monthly stipin from the department of treasury from the Veterin Affaris ; this is government issued pay ; not earn income. The first stipend from the VA includes back pay ; {$XXXX} ... ; going forward it will be {$XXXX} ... This money is suppose to be protected/expect from guarnesment. The moment the money was deposited in my account the same bank stole it to pay off previous credit card debt that was written off by the bank. This will cause financial hardship if this money issued back to me. Please help ; my and my family livelihood is relying on this money.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eagle Accounts Group, Inc. (WA)

XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, 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. (WA)

Experian credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Consumer complaint received 2017-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-08-02
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: JPMORGAN CHASE & CO. (FL)

this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was completely caught off guard when I noticed inaccurate accounts showing up on my credit report this afternoon. I have no idea how this happened, especially since I check my credit report regularly. This time, there were discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccuracies didnt disappear. Given this, Im requesting a thorough review of the documents Ive submitted to prevent this from ever happening again.
Consumer complaint received 2017-08-02
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. (MO)

There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with XXXX.
Consumer complaint received 2017-08-25
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. (MN)

I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX. 
XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), XXXX an auto loan account opened at XX/XX/XXXX XXXX under the account number ( private ), 3.a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and 4. an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$45000.00} ( private ) that appears related to the aforementioned XXXXXXXX XXXX XXXX  account opened at XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have an account with XXXX XXXX XXXX XXXX. During the course of the loan, I went through a Loan Modification program. XXXX XXXX had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. XXXX XXXX is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by XXXX XXXX . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted XXXX XXXX several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. XXXX XXXX is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Consumer complaint received 2017-08-02
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. (NC)

I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, Equifax & XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

I sent a letter to Credit Collection Services on X/XX/17 to have this item removed from my credit report. I had XXXX XXXX which was requested by my doctor. I was billed {$85.00} by the XXXX. I called the XXXX  several times to have them resubmit the amount to my insurance company per the insurance company 's request. After thinking it was taking care of I learned of an open collection for this company on my report. Days later I receive a letter in the mail. I called the company on XX/XX/XXXX requesting a response to my letter and was told they do not respond to letters and could n't send me a response via email or to my home address. I was told I would need to go to their website and submit payment first before clearing anything up. I verified that this company is n't licensed to conduct business in the state of CT so why are the doing so?
Consumer complaint received 2017-08-02
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: AMERICAN EXPRESS COMPANY (FL)

I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit Amex XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Consumer complaint received 2017-08-02
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)

Hello my name is XXXX XXXX. I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following three bureau ( XXXX, Experian, XXXX ) to inform them that I have several errors on my credit report. I 've contacted all three bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit. 1. XXXX 2. Experian 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KS)

My mother died in XXXX of XXXX. She had been living in XXXX XXXX. We proceeded to close all her banking account and transferred the funds out here to XXXX. Among those accounts were several accounts in a branch of HSBC in XXXX XXXX XXXX. In XXXX of this year, my wife and i discovered a check dated XX/XX/XXXXissued in the name of my mother and myself from HSBC that had never been cashed. The check was for {$41000.00} and the check number was # XXXX. I contacted HSBC about what was the status of the funds represented by the check I was informed that HSBC did not not keep records beyond seven years. and all records were transferred to XXXX XXXX XXXX after seven years had lapsed. XXXX XXXX found only that the check had been stopped and referred me to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in turn referred me to your office. It seems to me that the bank would keep records for a longer time than seven years. I work with court records all the time and records immediately available on the computer systems go back beyond the year XXXX.
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (VA)

Settled my debt with GC Services and confirmed with rep named XXXX that all XXXX disbursements were included in the settlement only to find out one month later that they want me to pay more. What can I do? They will not even provide a reference number or receipt of my recent {$7000.00} payment!
Consumer complaint received 2017-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TCF & ASSOCIATES (CA)

Received call at work from " XXXX XXXX '' at XXXX and XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good XXXX XXXX.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

In late XXXX of 2016 my husband and I took out a bridge loan with the XXXX XXXX in XXXX, NM. This allowed us to put up our XXXX XXXX XXXX XXXX valued at {$550000.00} as collateral on a bridge loan of XXXX. We wanted to purchase a small home in a retirement community, which we did. We were told we would pay just the interest each month until the XXXX XXXX XXXX sold. This loan would be renewed each 6 months if the XXXX XXXX XXXX had not sold. Sadly my husband passed away at the same time the loan came up for renewal. Rather then renewing the loan, the legal department demanded a probate on the title, which even the probate judge said was unnecessary, also a new title search etc and all new closing fees. I also kept paying the interest each month even though during the whole 6 months I never received a single statement. The whole process seemed totally uncoordinated. They said they could not let me know in advance how much the amount of the payment would be because there were different numbers of days in each month. ( ridiculous excuse ). They have renewed the loan, finally which took two months due to all the legal hassel they put me through and now my credit report with Equifax shows a 100 plus drop from excellent to fair because they apparently repiorted failure to pay off on the loan which is totally untrue. I continued interest payments even when the loan had not been re confirmed.All during the time they were processing things I was getting threatening letters regarding paying off the loan balance. Each time I got a letter I called XXXX XXXX the loan officer and she would tell me to disreguard the letters, that they automatically went out. ( Really? ) Well now they have XXXX XXXX my credi which has always been " excellent '' and I still ca n't get them to send me statements or a coupon book or an email, whatever, to advise me of the interest and date for each payment. Please help me get my credit score back and get statements of some sort.My largest payment in a month is {$800.00} And it varies from that point.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.