davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (NV)

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX All these accounts are reporting incorrect information. I recently applied for a home and was denied because this account shows up Rental-industry collection account. I was denied due to this incorrect information. I have never owned this debt. They also show up as the original account holder. I have requested that this debt be validated from all three accounts. They continue to report after being disputed for reporting incorrect information.
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial (VA)

Hello, I am writing to report a case of identity theft and fraud that has significantly impacted my financial well-being. The company " Koalafi '' opened a fraudulent account in my name on XX/XX/year>. I did not authorize or initiate this account, and I am seeking your assistance in resolving this matter and ensuring it is removed from my credit report. 

Details of the Fraudulent Account : Account Name : Koalafi Date Opened : XX/XX/year> Nature of Fraud : Unauthorized account opening Impact : Adverse effect on my credit report and financial reputation Amount : {$2400.00}
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX I spoke to XXXX at PenFed and asked for my account to be closed. She instructed me to turn off my card on the PenFed and pay my balance. She informed me that I had {$32.00} in their regular savings account and {$220.00} in XXXX XXXX XXXX I sent a check for the balance on my monthly statement ( {$1000.00} ) and a 2nd check in the amount of {$360.00}, which XXXX said would pay my account in full. Those checks were cashed by PenFed on XX/XX/XXXX. 

However, in XXXX, XXXX, I received another statement from PenFed claiming that I had a balance of {$160.00} due, which included a {$21.00} fee. I spoke to XXXX initially and she transferred me to XXXX XXXX card account disputes ) who said he could wave the {$21.00} late fee leaving a balance of {$140.00} due. I sent in a check for that amount on XX/XX/XXXX which was cashed on XX/XX/XXXX with the understanding that my account was now finally closed. 

In XXXX, XXXX I was notified by PenFed that my account still was not closed. I spoke with XXXX who informed me that my card was closed but my account was not. She transferred me to XXXX who said she could remove charges for two different automatic payments ( which admittedly I had forgotten to cancel ). I explained to her that my XXXX XXXX autopayment had been rejected so didn't understand why the other two had been accepted. She confirmed that I should have had a XXXX balance for XXXX. She stated that I had {$37.00} in my savings account with PenFed. I was then transferred to XXXX who said she had to present my case to her supervisor to get the credits approved and bring my account to closure. She said it might take until the next day but that she would call me back when it was approved and that they would mail me a check for the {$37.00} in my savings account. She didn't call back. 

On XX/XX/XXXX ( XXXX ) I called PenFed and spoke to XXXX. She said that the XXXX charges were still on my card and that PenFed would not close my account until I paid. She said she would have a supervisor call me but this didn't happen so I called back. This time ( XXXX ) I spoke to XXXX who said that I still owed for XXXX charges even though I had requested account closure in XXXX, XXXX. 

I have spent a few hours on the phone with these people and put on hold for minutes and minutes at a time and multiple times in each phone call.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, I opened a Bank of America XXXX  XXXX business card card. I paid off all of my balance in a timely fashion. In XX/XX/XXXX account renewed and they had charged me an annual fee of $ XXXX. I did not pay that amount in XX/XX/XXXX as I wanted to closed the account. So I called Bank of America customer service in XX/XX/XXXX and discussed with the agent on the phone to close my account and waive the annual fee and associated interest charges. The agent assured me that he will cancel the account, cancel the annual fee as he was closing the account and would waive the associated interest charges. The annual fee was approximately $ XXXX {$75.00} with an {$8.00} interest charge. Instead of closing the account and refunding manual fees as it was closing the credit card completely, Bank of America kept the account open and sent it to collections without my knowledge or any forewarning. 

I have not received a single piece of mail or email communication discussing the possibility of sending my account to collections for any unpaid balance. I was shocked to find out earlier today that they counted stayed open and the balance was unchanged even though the agent told me last year that the annual fee and the interest charges would be removed from my balance. They have also not sent me any communications of an outstanding balance on this account since my last conversation with them last year when I had believed they closed the account. 

This morning I had spoken to Bank of America customer service numerous times as well as the collections department and they remain unhelpful in this matter. They insist on me paying an annual fee and interest on a card that they should have closed last year when they assured me they would. I have not used this card or this account in the past 9 to 12 months. 

This is very fraudulent behavior by Bank of America. They have kept an account open without my consent after assuring me that the card would be canceled and the associated balance would be removed. The current balance does not include any purchases that I had ever made on that card. It is simply the annual fee/interest for not paying the annual fee.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (OR)

I have been trying to work on my credit and I have had people use my information in the past. So I pulled my credit report and I have a collection from AWA. I have never heard of awa or the original company. I have never communicated with awa in any type of way not phone not mail not email nothing. I have no knowledge of this account and they report late payments monthly and increase the balance which has been negativity affecting my life. Ive asked for them to show proof of the debt or contract or for any information and nothing. Its not right for these companies to report late payments on a debt that belong to me, Ive never had a payment plan or contract with these people. They are trying to bully me into paying for something thats not mine and they are reporting false information. I would like for this to be removed immediately from my credit reports I was XXXX when this account was opened and Ive gotten my life together and this is negatively impacting my life. Also XXXX is reporting debts are valadated without investigation or providing any proof of debts .. Ive asked multiple times.
Consumer complaint received 2024-05-11
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. (PA)

FCRA 605B, in my understanding, requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of the reporting, with inaccurate amounts and dates.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America opened 3 fraudulent accounts, every time I called them to report it to get closed they were claiming the there is nothing they can do about it despite me having Fraud Alerts with all 3 credit reporting agencies, XXXX XXXX XXXX, Credit lock with XXXX, and despite that they are claiming they will investigate it, these fraudulent accounts are being opened. Bank of America is entirely unhelpful they claim that there is nothing they can do to stop this. This happened repeatedly on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BoA claims their systems can not stop criminal activity, which encourages criminals to take advantage of BoA to defraud its customers.
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-11
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-09
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2024-05-11
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-28
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (IL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2023-12-16
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 EXPERIAN BUSINESS CRED 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 2018-03-12
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 sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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. (CA)

My mortgage payments were placed on forbearance by my mortgage company from XXXX XXXX XX/XX/XXXX due to a natural disaster. On XX/XX/XXXX category 4 Huricanne Ida hit Louisiana and destroyed our home. Once I contacted the mortgage company they placed my account on forbearance starting XX/XX/XXXX. However my credit report is reflecting 120 days past due for the months of XX/XX/XXXX and XX/XX/XXXX. Also the balance on the account is reflecting {$35000.00} when the balanced owe is {$33000.00}. This is a serious violating on my consumer rights according to FRCA this violates my rights for inaccurate reporting.
Consumer complaint received 2024-05-11
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc. (DE)

I signed up for self.inc. You pay {$25.00} a month for 24 months, youll receive all the money you invested back at the end of the 24 months. I did miss a few payments but I feel as though my credit score didnt increase.
Consumer complaint received 2024-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2018-09-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

We fell behind with our mortgage payments and applied for a loan modification. We were approved for a trial plan for {$3000.00} which we completed. At one point the bank cancelled the modification, claiming that they didnt receive the signed documents, only the payments. We DID SEND THE BANK THE DOCUMENTS WITH THE PAYMENT, however the bank then decided to re-send us the documents, which we signed and returned the SAME DAY.

They then told us that since its an FHA loan, they had to submit it to FHA for the approval. Im the meantime, a Sheriff sale was pending, and the bank assured us the the Sheriff sale would be postponed and/or cancelled. FHA DID APPROVE THE MODIFICATION, however the Bank did not postpone the Sheriff sale, so the sale went forward in error.

We called the bank and they said it Infact was an error, and that we should give them some time to fix the problem and reverse the Sheriff sale, as it was their error. We waited and we kept calling. They kept telling us the problem is being worked on and would be fixed soon. WE EVEN HAVE RECORDINGS OF CONVERSATIONS WITH AGENTS AT THE MORTGAGE COMPANY, ASSURING US THE PROBLEM IS BEING CORRECTED. Specific questions were asked, and specific questions were answered in the recorded conversation. So we have that as proof. Plus we have the letter the bank sent us, asking us for payment AFTER FHA had approved it.

We decided to check back in with the bank after waiting a few weeks, and we were informed that the sale was final and that nothing was being done to correct the mistake the bank made. WE COULD NOT BELIEVE IT!! THE BANK DECIEVED US, LIED TO US, THAT THEY WERE FIXING THE PROBLEM, AND BEHIND OUR BACKS, LET THE MISTAKEN SHERIFF SALE STAND.

This is cruelty! We did EVERYTHING the bank asked us to do, we were approved twice by FHA, and the bank refused to correct their mistake which they said they would.