davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

I opened an account with XXXX XXXX XXXX when I was living full time in XXXX XXXX XXXX and XXXX. I actively used the account for some time, and then kept it open only because I had a couple of auto debits that I hadn't yet switched over. I planned to transfer them and close the account. 

In late XXXX, I started getting email overdraft notices from XXXX. I transferred money from my primary account a few times to cover these overdrafts and finally realized that the overdrafts were due to debits from XXXX. I do use XXXX to send money to my daughter, but only from my primary account at XXXX XXXX XXXX. I filed a fraud report with XXXX and, almost immediately, I received a secure message through their portal stating that the fraud report could not be pursued due to the type of transaction. I called XXXX, and spoke with a representative who stated that she would block any further transactions from XXXX. Needless to say, XXXX continued to pay the debits from XXXX, continuing to overdraw my accounteven after they were notified that the transactions were fraudulent. 

On XX/XX/XXXX, I received a call while I was working out of the country, telling me that my account would be charged off if I didn't pay the overdraft. I believe the person was named XXXX and her extension was XXXX at XXXX. I explained the situation to her, but she was not receptive. I had been unemployed for a couple of months at that point, and could not afford to pay *another* fraudulent overdraft. I had transferred {$150.00} a few days prior. I didn't want my credit to be affected, so told her that I would try to pay the balance ASAP. She gave me a deadline of a few days and told me there was nothing she could do, despite acknowledging that this type of fraud " happens all the time. '' XXXX sent my account to a collection agency. I was forced to pay the amount, under duress, to keep my credit report clean. XXXX also reported me to XXXX, knowing full well that this was a matter out of my control.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (DC)

I have a Navy Federal Credit Union visa card. I did a balance transfer to the card years ago. On XX/XX/2024, I called Navy Federal Credit Union 's credit card department. I asked why were there two different amounts for interest payment. The representative explained that the first interest amount is for the present balance and the second amount is for the transfer balance. I asked could I pay on the transfer balance so I can get rid of the debt. I was told I had to pay off the present balance {$6900.00} before I could pay off the transfer balance {$1800.00} and the only thing I can do is not use the card. In the meantime the transfer balance is accruing interest separately from the present balance until I get it down to the {$1800.00}. This is awful and can keep people in debt. The average consumer doesn't know that the transfer amount is attached to the back end of a balance with a separate interest amount.
Consumer complaint received 2024-04-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XX/XX/XXXX - Payment Received of XXXX XX/XX/XXXX - Payment Received of {$2300.00} XX/XX/XXXX - Payment Reversal for {$4700.00} which was not received back to me based on my bank statements. 
XX/XX/XXXX - Payment Received of {$2600.00} XX/XX/XXXX - I called to make 2 payments and was told the amount of each payment was {$2500.00} for a total of {$5100.00}. I wired the money over and was told to call back in a day to have my unapplied funds moved to the XXXX payment. I called back on XX/XX/XXXX to complete the payment transfer and was told I did not have enough funds because my XXXX XXXX was {$3100.00}. For the last 2-3 months I have been told several different mortgage amounts : {$2400.00}, {$2500.00}, {$2400.00}, {$3100.00}, {$2800.00}, and today XX/XX/XXXX @ XXXX {$3200.00}. Since XX/XX/XXXX I have paid out a total of {$26000.00}. That would be {$2900.00} monthly which can not be my actual mortgage payment. This has been emotionally draining and beyond frustrating as well as a huge financial burden.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NY)

The institution violated The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ; and also 5 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY.

15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 
They need my written consent to add anything to my consumer report I did not give this institution authorization ; that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX Stat. XXXX ) even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). WHICH WAS NOT DONE!
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (OH)

So I received several calls from the debt company for my XXXX XXXX XXXX bill which I shouldnt have because I only had for my grandfather til his bill was fixed we were able to close my account and rollover on his so theres a active account. I dont owe this debt but everytime I spoke to credence I must not have no money or need to have grandpa pay them. They would call right at XXXX to XXXX at night to point I got a new phone number with a different company
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have been filing complaints on my bank for over 2-1/2 years for a substantial amount of fraud. I have been ignored and disregarded. Here is a comparison report of THE ENTIRE period my business account was open at FIFTH THIRD BANK NA. Every single statement had been redacted and changed by FIFTH THIRD. If you look closely, one of the main things changed on every statement, was, THE DEBIT CARD NUMVER. Which is exactly what Ive been complaining about. Cards activated tgat Ive never had. Never seen. Fifth third bank has stolen tens of thousands. I have found a fraudulent XXXX XXXX XXXX account that has been connected in real time to all of my account for years. It now sits with {$1200.00} in an account Fifth third states has been closed for over a year. XXXX, states a payment was made with that account as well after the closing date. There is {$48000.00} in XXXX XXXX in another account that shows- {$160.00} ( at a different bank ( XXXX  ). There is an enormous amount of check fraud between these two banks and accounts ( both of my business accounts ). Yet neither bank will allow me to file fraudulent claims. Just as XXXX as two months ago, my digital check image from a check I wrote, the payee has been erased from the image. This was not a mobile deposit..it was taken to the bank by the company. It seems Ill be left no option but to file lawsuit against both banks..note : altering financial records is a federal crime, that Carriys  steep punitive damages. I have records of statements being sent to me that are malicious files. I have records of my banks double paying from bill pay ACH which I never signed up for. These bills includes companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more. I have records of these companies receipts stating paid with card ending in XXXX, yet my statements reflect ACH bill pay. Ive paid these bills, not my bank!!! In Addition, there is a {$3500.00} XXXX that neither bank can provide a signed ACH Authorization form for. All the companies Ive mentioned can not provide one either.
Consumer complaint received 2024-05-16
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. (TX)

Ive disputed this account XXXX XXXX  XXXX XXXX XXXX XXXX numerous of times. But all 3 credit bureaus TransUnion, XXXX XXXX XXXX keeps saying the account is verified or was updated ( noted : Completed investigation of FCRA dispute - consumer disagrees ). Then the bureaus TransUnion, XXXX XXXX XXXX tell me to reach out to the creditor directly, which I have but the creditor XXXX said they could not locate the account. Im in the process of trying to obtain a mortgage loan but this account is hindering my home buying process. Please remove delete the account XXXX XXXX XXXX XXXX XXXX XXXX  from all 3 credit bureaus TransUnion, XXXX XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX  Date opened XX/XX/XXXX Original Loan Amount {$9000.00} Amount Paid {$2500.00} Remaining Balance {$6400.00} I was unaware of this account until I ran Equifax report for this Data Breach. These funds were removed unknowingly from my checking account. 

XXXXDEPT OF ED - Date opened XX/XX/XXXX Original Loan Amount {$25000.00} Amount Paid {$110.00} Remaining Balance {$25000.00} I was unaware of this account until I ran Equifax report for this Data Breach. These funds were removed unknowingly from my checking account. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX I did not make any requests that would result in a Hard Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I was not late on this credit card. I always pay on time.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I 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.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (WA)

XXXX, XXXX, & XXXX XXXX have threatened and opened lawsuits for a persons debt that does not belong to us, and continues to send us mail. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed them and their debt collection agency, Midland Credit Management, of this over certified mail multiple times.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (CA)

Request for correction of credit report -compliance with federal laws -opportunity to cure. i am reaching out to address concerns regarding the accuracy of my credit report as it pertains to my investment. As an investor, under 15 U.S. Code 1681s-2, it is mandated that as a furnisher of information, must provide precise and truthful information to credit reporting agencies. In accordance with the fair credit reporting Act ( FCRA ), All companies reporting has violated my federally protected consumer rights under the FCRA section 602- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. This means that I have the right to privacy. My credit report is non-public personal information that should be protected to avoid situations like this one I am addressing today, pursuant to 15 USC 6801 ( b ) ( 3 ) -protection of non- public personal information.Under the FCRA section 604 permissible purposes of consumer reports states ; any consumer reporting agency may furnish a consumer report under the following - ( 2 ) in accordance with written instructions of the consumer to whom it relates. This means a consumer reporting agency can not furnish an account without written instructions or authority of the consumer. The only way a company can obtain permissible purpose is by a court order or the consent of the consumer. Im giving 15 days to delete all accounts and correct my consumer report. All inquiries needs to be deleted this is identity theft.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I'm trying to find a rental property on XXXX and paid there {$XXXX0} application fee and the credit bureau that XXXX uses for a background check is XXXX XXXX of decision a third-party company that gets there information from Experian  and my background information shows that I have a housing court record on my record I disputed the housing court record because of mistaken of identity because my mothers name XXXX XXXX sound and looks close to mine XXXX XXXX with XXXX and they investigated my dispute and XXXX had deleted the consumer statement and removed it from my credit report but XXXX XXXX XXXX XXXX XXXX hasn't removed the housing court record from my credit report since XXXX has I figured that the information would be deleted and removed with every credit bureaus with Experian  and XXXX and XXXX power of decision
Consumer complaint received 2024-01-15
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)

Violates of 15 U.S. Code 1681 In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Violates of 15 U.S.C 1681c ( f ) Indication of dispute by consumer - If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtedness with 1099c and is now INCOME, furthermore income can not be on a consumer report. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged. When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). The companies decision to terminate collection action and accounting decision to write-off DEBT. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT. Also 15 USC 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Pursuant to 16 CFR 313.7 under the Continuing right to opt out. A consumer may exercise the right to opt out at any time. These laws are here to make sure my credit file and credit report has the proper reflection of each account. I attach proof from current consumer report of inaccuracy in report from multiple reporting agencies on multiple accounts. All information on Consumer report must be true and accurate reflection of the account. DELETE IMMEDIATELY AND INDEFINITELY. These accounts have already been disputed and investigated, I request immediate deletion of all inaccurate reporting. DELETE IMMEDIATELY AND INDEFINITELY. Further investigated is not needed theses account have been disputed, investigated and " verified '' as accurate, which they are not, DELETE IMMEDIATELY AND INDEFINITELY.
Consumer complaint received 2024-05-07
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. (PA)

I am writing to follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable, as it not only violates my rights as a consumer but also reflects poorly on your agency 's compliance with legal obligations.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.