davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/2022 I reviewed my credit report and noticed that I had a charge-off with Navy Federal Credit Union . I sent them a letter on XX/XX/2022 asking them to validate this debt bearing my signature or a contract. I was then sent back bank statements with the creditor. On XX/XX/2022 I noticed that they did not mark my account as disputed within the 30 day time frame according to the law ( FCRA623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency described in section 603 ( p ).

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ). This company has broken the law by not only providing me with a copy of contract but also not by providing notice to the credit bureaus that the account was disputed. By law the company now has to remove the negative information from my credit report. This is negatively impacting me from getting loans or a home because of this false reporting. I am asking that this company to remove this negative information from my credit report.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I have a credit balance of {$110.00} I told them NOT to send a check and to please leave the balance on the account to apply to my future charges. They refused and sent out the check. Over the past 6 months and THREE checks they claimed they sent I have not received one of them in the mail. They are liars and are trying to steal the {$110.00}. I have asked them to put the funds back into my account and they refused. I have asked them to directly deposit the funds into my CHASE checking account and they refused, I have asked them to XXXX OR XXXX the funds into my account and they have REFUSED. I am requesting the funds plus interest for the past 6 months.
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (MD)

The loan is with LendMark Financial. I received a letter to settle this but decided to evaluate the handling of this loan first. I responded to the settlement letter and requested my payment history. I discovered my payments were not deducted properly and I still owed a larger balance than I should have. I have not anything further from LendMark since I requested the payments I already made be used to settle my account.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Messerli & Kramer P.A. (MN)

As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from Messerli & Kramer PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXXXXXX XXXX 
I will also attach the letter sent to Messerli and Kramer below.

15 USC 1692 ( e ) and 15 USC 1692 ( f )
Consumer complaint received 2023-08-21
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: General Motors Financial Company, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-07-08
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX OF XXXX XXXX Balance Owed : {$790.00}
Consumer complaint received 2024-03-23
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. (CA)

My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.I 'm a victim of identity Theft. 

XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$270.00}
Consumer complaint received 2023-08-21
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: WELLS FARGO & COMPANY (AL)

Wells Fargo Bank acct # XXXX XXXX  inaccurate due not receiving a statement in the mail. Also XX/XX/2018 late payment is in violation of 15 USC 1666b clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''.
Consumer complaint received 2023-08-21
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. (MA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. The late payment shows for XX/XX/2023 which i know that i paid on time because my account was set up for auto pay. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Delete this Charge-off ( XXXX XXXX account XXXX XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IN)

I strongly believe Amerihome Mortgage company is committing mortgage fraud and misusing funds in numerous borrowers escrow accounts. This is the second time in XXXX years my mortgage has fluctuated because they misused funds and are holding me account for their mistake. I received a letter in XX/XX/2021 that I was behind in escrow. I called and the mortgage company assured me since its their mistake that they will correct it and I wont be held accountable. I attempted my payment and they never corrected the issue and expect me to pay for the misused funds. I am a XXXX veteran and I dont pay any property taxes and we switched our home insurance and it went down a significant amount so I am not understanding why there is a negative balance and no one can explain it. The customer service representative said we see this kind of thing all the time and if that is the case Amerihome needs examined closely to find why they cant handle funds properly.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-22
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. (TN)

I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

The repeated occurrence of fraudulent activities reflects poorly on your company 's integrity and competence in handling sensitive financial matters. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. With this, I am asking for your assistance to remove othese fraud items in my credit file : XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX XXXX XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX & XXXX XXXX XXXX XXXX {$6300.00} XXXX & XXXX XXXX Balance XXXX {$3600.00} XXXX & XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2021-07-08
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: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I am writing to formally lodge a complaint against I C System Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
I recently received communication from I C System Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 
2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, I C System Inc, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 
3. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 
4. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g 5. Company has no Contract between XXXX XXXX and I C System Inc I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. 
I am attaching copies of all relevant correspondence from I C System Inc, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. 
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Ive disputed a XXXX XXXX XXXX XXXX XXXX  Reference number XXXX, XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which one of them ( XXXX ) confirmed the public record was verified by the court. I asked XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I recently recieved my credit report and noticed a late payment from XXXX on my equifax report. XXXX is in clear violation of consumer rights law according to Fair Credit Reporting Act 15 USC 1681 b, permissable purpose of a consumer report. I have never given XXXX the authorization w/ written instruction to report any type of transaction. This late payment should be excluded from report according to 15 USC 1681 2 A:1
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I had an account with Wells Fargo bank. My account was only for XXXX. I got behind on payments and they closed my account. I settled in XXXX and paid them. XXXX. My credit report showed this. But now on my credit report it says that they wrote off XXXX. That is false. I never had a credit card for that amount of money. They refuse to fix anything. How can I go from XXXX to XXXX, XXXX. 
This is messing up my credit even more. I need this to be fixed