davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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. (TN)

I have the following issues with XXXX, XXXX, and Trans Union. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued XXXX. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was extremely cruel and abusive, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been a victim of Identity Theft and have been harrassed by XXXX XXXX for over 2 years of trying to dispute this issue. They are collecting for Capital One account that was opening fraudulently. Each time I spent hours on the phone with a XXXX XXXX associate just to be contacted again the following day by another XXXX XXXX XXXX to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (LA)

Collection appeared on my credit report recently for a debt I do not owe. After further rear garage it was Determined that the alleged amount was for a emergency room visit from 6 years ago ( from a hospital and original collector who no longer exist ) when my daughter had 100 % paid state XXXX and never pays for any medical expenses out of pocket. I attempted to explain this to a representative who was not only rude but would not assist me in getting this resolved.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

There is an medical collections appearing on my XXXX credit file called Advanced Collection BU. I have reached out to both XXXX and the collections company asking for them to provide proof that this account is mine. The medical collections company has not responded at all and the credit bureau, XXXX, only advises me that the debt has been validated but does not provide me with any documentation to support the account. I am submitting this complaint in the hopes that I can get some kind of response from both the collection company and the credit bureau, XXXX, provide me with documentation to support this account or have this collection account removed from my XXXX  credit file.
Consumer complaint received 2024-03-27
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2020-08-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a letter in regards to a mortgage my husband has through Navy Federal Credit Union. According to a conversion ( in which both my husband and I were privy ) last week the mortgage is current showing no delinquent status. 
However, my husband and I received multiple letters claiming delinquently, threatening negative credit reporting, and foreclosure. 
These letters ( over 5 ) sent via first class and certified mail where mailed to an incorrect address. When contacted Navy Federal stated they had the correct address on file, and they did not know why the letters where mailed to the out dated address. 
This is either a case of malfeasance or malpractice, and either is not acceptable. 
Threatening to damage ones credit, foreclose on a home, all while sending notice of such actions to an incorrect address is deeply troubling. 
Navy Federal has been authorized and entrusted to assist Veterans and Active duty military members navigate home ownership using VA loans. 
I am concerned that the organization has grown too large, too quickly to competently manage Federal loans especially VA loans.

My husband and I spoke with Navy Federal regarding the status of this loan last week. 
I called again today about letters mailed to me ( see attached ). 
I spoke with XXXX on a recorded line. The call was initiated at XXXX EST and documented and time stamped for this complaint at XXXX EST. 
XXXX was unable to explain why certified letters threatening negative credit reporting, collections, and potential foreclosure of a property where mailed to an address no longer on file rather than the current address.
Consumer complaint received 2020-04-14
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: CITIBANK, N.A. (TX)

DSNB MACYS XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}
Consumer complaint received 2020-04-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

As of XX/XX/2020 there are two XXXX XXXX charge offs appearing on my credit reports. On XX/XX/2020 I was sent a update on my credit report stating these two accounts were removed, which I do have the proof of removal. For some reason as of today you all have deemed to put those creditors back on my report.
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NC)

I have a checking account with PNC. I also have an account with XXXX, a FDIC member mobile debit card backed by XXXX XXXX  that I have so I can use to make online purchases and protect my various accounts and cards with PNC/XXXX  XXXX and XXXX. When attempting to connect my PNC account to my XXXX  account, PNC refuses to acknowledge XXXX 's routing/account number or link to directly and is prohibiting me from transferring money to my XXXX  account.
Consumer complaint received 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I called the company again today after a 40 minute hold. I let the company know that they blocked my from paying online and by phone. I also informed the operator that they sent me COVID 19 paperwork with the incorrect amount listed. Stating that I would owe of {$11000.00} or more which is an EGREGIOUS mathematical error. After informing the operator, she began to be rude and hostile. I told her that I would not tolerate that attitude and requested to be transferred to the US branch. At that point the operator hung up on me. 

I REQUEST again that XXXX, the worst account manager in this company be removed from my account. Also, " XXXX '' who hung up on me. 

Then I called back a 3rd time to hear " XXXX '' tell me how highly trained his department is so I got another opportunity to ask up to 5 times to be transferred. 

This company is XXXX ... UNPROFESSIONAL and XXXX.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting a debt on my credit file that I do not owe. This debt is not only past the statute of limitations. I have never received any information about this debt. No phone calls, letters, nothing!! This is a violation of my 30 day right to dispute and needs to be removed off my credit file.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (SC)

This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!
Consumer complaint received 2020-04-14
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. (SC)

This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

I attempted to make payment arrangements with this company and they refused stating if I didn't pay the entirety of the debt owed today it would go on my credit report and they would refuse to take it off. I explained I had lost my job due to covid19. They asked if I understood what this would do to my credit. They said they were flagging my account and proceeding. I said I didn't even know what that meant, asked for an explanation. XXXX told me that he wasn't going to explain it to me so I could decide whether or not the debt was important enough to pay. I reiterated I wanted to pay, but I needed payment arrangements. He said it was done, the account was flagged.
Consumer complaint received 2021-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KY)

I have been paying my students loan on a regular basic or monthly before the Covid 19 pandemic and before the government moratorium on student loans. I was told that if I paid my student loans for ten years i would be finish paying my student loans. I have not missed a payment that I can recall ( {$270.00} ). 

I have been XXXX school for XXXX XXXX XXXX XXXX in XXXX, Kentucky for the last 20 years. I have applied for loan forgiveness, but I have been denied several times and I have taught in low income schools and schools with high rates of poverty. I qualified for a {$5000.00} reduction in my student loan based on my XXXX experience alone. 

I am now receiving calls from Navient Student Loans, XXXX. XXXX XXXX, XXXX, Pennsylvania, XXXX stating that I am in default. I thought the federal moratorium on student loans will not end until XX/XX/2021.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (TX)

From my FNB online banking account, I sent {$250.00} dollars to my daughter 's account at XXXX through XXXX. Transaction overview in my FNB bank account states that {$250.00} is withdrawn from my account and my daughter received a confirmation email from XXXX that I sent {$250.00} and that this money will be available in her account within 3 business days. However, she was never able to get the payment because it has been months since she closed her XXXX account. I was not aware of this. XXXX 's policy is that they return the payment to the original account if the recipient 's account does not exist. 

However, the money never came back to my account and my daughter has not received it in any of her accounts either. 

We contacted XXXX, XXXX, and FNB. My daughter called XXXX and talked to three different representatives. XXXX said they can not track this down because she doesn't have an account with them anymore. When I called FNB, they said they would file a claim with XXXX since the money should have come back into the FNB account but it has been two months and there has been no update. When I called again regarding this issue, it did not look like they were aware of this issue and they again told me they would file a claim. Calling XXXX did not resolve the issue either because they said they are a mobile banking platform so they don't have the capacity to track this. And now I basically do not know where the money went.
Consumer complaint received 2020-06-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One charges interest based on an average daily balance on your account and if you do not make payments in full you will be subject to this average daily balance interest charge. 

I had made the mistake of not making a full balance payment last month and carried a balance of roughly {$200.00}. The interest charge I had received was {$16.00} that month due to a recent, large purchase after the month had ended ( so a charge on the new month ) which had a significant impact on my average daily balance. So, the interest charge that was applied was much larger than it should have been for the outstanding balance in the prior month. 

I have no been making sure that my balances are fully paid off, however, I am still receiving interest charges based on my average daily balance. This month, with a fully paid off balance, I received an interest charge of {$15.00}. Personally, this is not terribly impactful, but I am certain that more people are exposed to this unsavory practice and are not aware of the charges.
Consumer complaint received 2020-08-04
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)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$100.00}
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof