davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union ( NFCU ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at NFCU and 3 disputes with the credit bureau. NFCU falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation NFCU has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. 

I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to NFCU for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. 

Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. 

Your help in this matter is greatly appreciated.
Consumer complaint received 2024-02-20
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. (MI)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
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 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Recently, I was refused credit as a result of some derogatory information on my credit profile. Under the provision provided by FCRA, I hereby request a complete copy of my current credit report for my observation and correction of any incorrect information. To diminish speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Please be sure that my address is listed correctly. This is the only address I have lived at. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXXXXXX XXXX  XXXX {$550.00} XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX  {$670.00} XXXX UNVERIFIED ACCOUNT XXXX. XXXX XXXX XXXX XXXX {$2200.00} XXXX UNVERIFIED ACCOUNT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy. 

2. 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5.15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I purchased this home in XX/XX/XXXX when I was working. I became ill and was put on a medical leave by my doctor in XXXX. I have struggled to pay my mortgage since my XXXX  went from XXXX to XXXX XXXX and my XXXX  payments went from 90 % of my pay to 60 % of my pay. I got married with the hope of some assistance but my husband moved out and refused to help. He has never made a mortgage payment. Every payment has been paid by me. I believe that SPS has looked at his income rather than mine to make the decision to refuse a modification but we never shared a bank account of money. He passed away in XX/XX/XXXX. I did not inherit anything from this man. I am not the executor, administrator or trustee of his estate. My only income is {$2400.00} a month from Social Security and my mortgage payment is {$1100.00}. Despite their refusal to modify my mortgage, I must struggle to keep my mortgage paid as I have no other place to go. I have been in my home 25 years and I am paying a mortgage on a home in a neighborhood where all of the homes are under water. Our property taxes are some of the highest in XXXX county. There are many vacancies on my block alone and many others are rented out under Section 8.  People are abandoning their properties and leaving the area. I am trying to keep my home. I am XXXX years old and buying another home is out of the question because I can't afford to. Right now, I live close to XXXX of my children if I should need help.. There are properties on my block that has been vacant for 3 years or more. It seems as if Mortgagers and Servicers want these properties to be abandoned and vacant. It actually feels as if they want you to be homeless. I need relief from this struggle and a short sale is not an option.
Consumer complaint received 2021-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

I lost my bag XX/XX/2021 which included my license, phone, cards and social. The next day I see a whole bunch of checks deposited in my account which turned out to be counterfeit. I reached out to Wells Fargo to discuss the the problem because the person who had my stuff was able to access my Wells Fargo online account since it was on my phone. They sent money via wells XXXX and wire transfer. So that made my account XXXX. I got a letter in the mail that Wells Fargo denied my claims and that they will not reimburse me with the money.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

Was charged {$1000.00}, by someone who hacked one of my accounts. I called my credit card company, told them it was fraud, and they have refused to do anything about it. Every time I call, they say call back in 10 more days. I'm being charged interest for a fraudulent transaction and they insist on giving me the run around. When I told them that they're giving me the run around and that I've provided the proof they asked for they said to quote, " I'm not going engage that conversation. '' And " it's your responsibility to keep calling in because its your account. '' When I asked, what I'm supposed to do about the interest I'm being charge for the fraudlent transaction I was told, " after the investigation is done, which will take 30 days, we'll see what we can do. '' This is unacceptable. They don't care about {$1000.00} that was stolen from me.
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (TX)

I sent several letters to Equifax disputing an account that does not belong to me. After I filed a complaint with the XXXX, they deleted the account in early XXXX, but then it reappeared XX/XX/2021. They never sent the official deletion letter, but third party reporting agencies such as XXXX and XXXX shows when it was deleted, and when it reappeared. It seems as if they simply wanted to appease the XXXX complaint. 

The account in question is : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (FL)

Received email dated XX/XX/22 about my loan application on XXXX. I never authorized or initiated a loan application. This was not me. My complaint is that they are not thorough enough in their process to identify that whoever applied was not me.
Consumer complaint received 2021-12-24
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 am making a report concerning XXXX, TransUnion and XXXX are currently reporting accounts that are in Litigation. All laws are being violated According to 15 US Code 1666. I need all accounts DELETED immediately. My rights are being violated.
Consumer complaint received 2021-12-24
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-24
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX
Consumer complaint received 2017-12-06
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: Mar Joe Enterprises (OH)

XXXX XXXX XXXX Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Mar Joe Enterprise To Whom It May Concern : Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above XXXX XXXX XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ).

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { original creditor/collection agency } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-31
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. (AL)

The below inquiries were done without my permission. I notified Equifax that these inquiries were done without my permission. These were unauthorized XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smart Money Alliance (NV)

On XX/XX/XXXX, I docusigned a White Label Agreement, with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to market a financial literacy program to small businesses and refer clients to the " Access to Capital Program '' on a fee split basis. XXXX XXXX marketed this program as being " No Cost ''. On XX/XX/XXXX I received an email from XXXX XXXX titled " Mid Month Update '', stating that I had provide atleast ( 2 ) clients to hit my performance goals, to aviod having to pay a {$10000.00} non-refundable deposit. It was discussed that as a White Label Partner I was in complete control and could offer the program for free, or for a cost, which was to be shared with XXXX  on a XX/XX/XXXX split. Prior to docusigning the " White Label '' agreement, I had a conversation with their XXXX, XXXX XXXX, who again, advised me that there was not cost. I received the agreement and signed it. On XX/XX/XXXX, I advised XXXX XXXX of my intention to no longer affiliate with he or his company as his practices were fraudulant and deceptive and that I was assured by his Chief Marketing Officer, that there were not costs involved. XXXX has sent this matter to a paralegal firm who had repeatedly emailed me invoices for {$10000.00} each month. Also on XX/XX/XXXX, I received an email containing a XXXX XXXX, TX news article dated XX/XX/XXXX, which stated XXXX XXXX had been arrested by Texas XXXX and his business was being investigated. The article cited a woman from New York, who had also filed a complaint with the XXXX  alleging XXXX XXXX prays on minority businesses and scammed her out of {$3400.00}. Also see XXXX Report. I believe XXXX XXXX to be a financial predator, who preys upon minorities and minority owned businesess. I can provide copies of all documentation. I have also reported this matter to the Attorney General 's Ofice as well and can provide case information
Consumer complaint received 2019-11-27
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. (MI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

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 and 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 ).

-OPEN ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account.

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account.

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account.

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF  ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2019-09-10
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. (NY)

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, Equifax and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX. XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.