davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AR)

On XX/XX/2023 after receiving a letter in the mail from LVNV funding stating that I owe a debt in the amount of {$630.00}. This account is fraudulent and is not mine at all. I was incarcerated when this account was created. I want this account to be removed as soon as possible.
Consumer complaint received 2022-12-19
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-12-12
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: BARCLAYS BANK DELAWARE (WA)

There was a fraudulent transaction on my Barclay 's master XX/XX/2023 from the merchant XXXX for an amount of {$520.00}. I disputed it and the credit card company first removed it from my statement and then eventually added it back saying the merchant provided them with some information saying it was me who ordered from them. 

My XXXX account has not had any orders in the last year so I never placed this order. I called Barclay 's mastercard a 2nd time and they said they'd start an appeal process and gave me a case ID but they haven't done anything about it. I feel like they're giving me the runaround to avoid having to remove the fraudulent transaction. The case ID is XXXX. 

I then called XXXX and they said someone used my information to place an order for 3 insinkerators and got it delivered to a different address ( not my address ). This sounds like regular fraud to me but Barclay 's mastercard is somehow stalling.
Consumer complaint received 2017-03-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MA)

Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. 
XXXX ( XXXX ), XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (WI)

We applied for financing through Service Finance LLC for a pocket window replacement project through a home remodeling company. Our financing was to begin at the completion of our project. The project was to take one day for the tear out and replacement of 9 windows. 7 months later the project is not complete however the contractor has been paid by Service Finance which trigged the beginning of our promotional financing. Prior to paying the remodeling company, we had been inconstant contact with Service Finance both over the phone and via email. The agreement with Service Finance was that the Contractor would not be paid until our job was complete. In XXXX we received a billing statement from Service Finance only to find out the Contractor had been paid without consulting us. The Contractor lied and said our job was complete. Since the original window install date in XXXX, the windows had to be torn out a second time and reinstalled due to poor workmanship ( including frames and trim ). Since the original install, we have not had a complete set of windows, The windows are not sealing properly as the majority of the sashes were bowed. We have had 5 " service '' calls with 17 bad sashes since XXXX. We also still need another tear out and install of 3 windows as the frames are crooked as well as 3 more sashes. We filed a complaint with Service Finance disputing the payment to the Contractor. According to our contract, we were supposed to sign a Certificate of Completion in order for the Contractor to be paid. We never signed anything. On XX/XX/ Service Finance said they would pull back the funds from the Contractor if they did not receive a copy of the signed Certificate of Completion. There is no signed agreement but Service Finance is unwilling to pull back the funds. Neither company followed protocol and now we are suffering the consequences. We do not have a complete project and we are now expected to pay. The Contractor calls this " warranty '' work even our job was never complete.
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NY)

Thank your for taking the time to read this letter. I am writing this letter because I noticed that my most recent credit report contains a late payment reported for XX/XX/XXXX for my Wells Fargo account. 

Wells Fargo has not been helpful in processing my request. I have not received any information or even confirmation of whether or not they have even received my inquiry. I faxed the required documentation as agreed to the Wells Fargo institution on XX/XX/XXXX and they have yet to give me the necessary answers regarding my request. Ive been a diligent customer with the institution since XXXX and the lack of service I have been subjected to has been a terrible experience for my family and I. 

I want the record to show that I am fully aware and understand my financial obligations, and if it werent for a slight oversight then I would still continue to have an excellent payment record. It was brought to my attention by Wells Fargo that the bill wasnt paid in full for the month of XXXX and as soon as I was made aware of it, I made sure to make the payment immediately in that moment when it was brought to my attention. But it seems that Wells Fargo still took it upon themselves to have still submitted this to the credit bureau anyway despite my immediate payment after being informed by the institution of the issue. However, I can assure that something like this wont happen again because I have placed the payments on autopay going forward to prevent this from ever being a future occurrence. In previous months, Ive even taken the initiative to pay back double what was due as the records will show and prior to this honest mistake, Ive never missed a payment with the Wells Fargo institution, or any other institution for that matter, for as long as I have been in business with my creditors. 

Ive recently gotten engaged and my fianc and I intend on applying for a home mortgage but its come to my attention that the missed payment on my record could affect my ability to qualify. I truly believe that this mishap doesnt reflect my creditworthiness and commitment to repaying my debts.As a United States Army Veteran, Ive always made necessary sacrifices for my country and family. Now as New York City XXXX, I will continue to rectify and fulfill the requirements needed for a better future. It would help my family and I immensely if you could provide me with a second chance and make a good will adjustment to remove the late payment from my credit report. 

Thank you for your consideration and I hope you will approve my request.
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/23. That payment cleared my checking account on XX/XX/23. I received a letter dated XX/XX/23 from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a zero balance and had been paid in full. I then called XXXX XXXX XXXX XXXX and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from EASTERN ACCOUNT SYSTEM OF CONNECTICUT INC stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (VA)

I recently checked my credit report and was notified of a debts on my account from ZIONS DEBT HOLDINGS. I contacted the company on XX/XX/2023 at XXXX and told the representative that I did not receive any notification of debt, I only found about about the debt from the credit reporting agency so I was not given a chance to dispute the debt. I dispute the debt and the amount owed. I also requested validation of debt from the company and was told that I would receive the validity statement via my personal email XXXX within XXXX from the date requested. I have not received any written or telephone communication from the company since then. They just keep adding the debt to the various creditors. This company NEVER send me any communication at my home of residence or my personal email in regards to this debt. I didnt not receive any phone calls or notice in regards to this debt. Please help me, thank you.
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and i haven't received anything. I did my research on the laws and in section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Recent updated information on credit report is inaccurate. 
- states that Ive lived at current address since XXXX. I have resided at the current address since XX/XX/XXXX. 
- updated Shellpoint mortgage Servicing to reflect 99 years Terms duration! How is this anywhere near accurate? 
XXXX XXXX reports scheduled payment amount as $ XXXX. XXXX received $ XXXX. I was NEVER notified by XXXX of ANY increase in monthly payments! If they are going to report on my credit they absolutely NEED TO INFORM ME OF ACCOUNT INFORMATION!!! 
-also what is 30 months duration? 

Every single dispute changes what is on my credit report from the previous dispute. Equifax claims to have verified this information!! Obviously its not been verified & my credit score is damaged because of this!
Consumer complaint received 2023-04-11
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX I XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (AZ)

Despite having made all the payments on this loan, XXXX continues to demand money from me. I ordered a stop payment on their automatic debits through my bank on XX/XX/2023, but I've continued to receive emails from their collections department, indicating that I have an outstanding balance of {$1000.00}. The most recent email was dated XX/XX/2023, and did not include any proof of the outstanding balance. On XX/XX/2023, I sent XXXX 's collections department a letter describing the situation, and with this letter, I included proof of all payments in the form of bank records and a copy of my loan agreement, listing the payment terms. Having received no reply to my letter and documentation, I sent a near-duplicate letter on XX/XX/2023. Ultimately, XXXX has failed to acknowledge my payments totaling {$4200.00} for an original loan amount of {$1200.00} at an interest rate of 220.40 %. They need to recognize my proof of the payments, acknowledge that the loan has been paid in full, and report the loan to all three credit bureaus as having been paid as agreed.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : OHIO XXXX XXXX XXXX ) XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian is reporting non mailable addresses on consumer delete immediately per Privacy Act 1974 see list below : XXXX 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 XXXX Report only current address.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo (AL)

Dear Kovo Inc, I am writing to bring to your attention the inaccurate reporting of an account on my credit file, which I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report and after careful review, I discovered discrepancies that need immediate attention. Balance Discrepancy : The reported balance on this account is {$190.00}. However, I have no knowledge of this account, and the reported balance is inconsistent with any financial transactions or obligations on my part. Late Payment Inconsistency, According to the information provided by XXXX, this account shows five late payments. However, upon reviewing the records, it is evident that only one late payment has occurred with XXXX which is a direct violation of the FCRA. 

The false reporting of this account has caused me significant stress and has the potential to negatively impact my creditworthiness. In light of the FCRA regulations, I kindly request the immediate removal of this account from my credit file to ensure accurate and fair reporting. I expect this matter to be resolved promptly, and I kindly request confirmation of the removal of this account from all three credit bureaus ( XXXX, XXXX, and XXXX ) within three business days from the receipt of this letter. Failure to address this issue within the stipulated time frame will leave me with no option but to pursue legal action to rectify this matter. I trust that we can resolve this matter amicably and avoid any unnecessary legal proceedings. Please acknowledge the receipt of this letter and provide a written response outlining the actions taken to rectify the inaccuracies in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
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: VALLEY NATIONAL BANCORP (FL)

I reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : 1. Vally NTL BKXXXX XXXX that appears on my XXXX Credit report XXXX 2. XXXX XXXX XXXX inquiries XXXX The below listed company did 3 inquiries on my credit report which is excessive. Four sight XXXX, and XXXX. One inquiry for an approval should be suffice, not three.