davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (GA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information Upon review of my transunion and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per transuion report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. Tranuion is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as transunion. But under XXXX  and transuion only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Green Bay, Inc. (WI)

On XX/XX/XXXX, my fianc and I each received a letter from Finance System of Green Bay Inc. stating that we owe a debt of {$1600.00} from our previous apartment. I sent them a letter stating that we were not aware we owed any money to our old landlord, XXXX XXXX XXXX. XXXX XXXX threatened to sue us two months after we moved out, via phone call from their lawyer, XX/XX/XXXX, for a balance they said we owed. I told them we didnt owe the debt. That was the last time we heard from them, ever. We have been waiting for XXXX XXXX to send us papers for 3 years and the first time we have heard about this debt was just recently. Finance of Green Bay sent us a response of the itemized statement, rules and regulations and lease we signed that we received on XX/XX/XXXX. They called a few weeks later, sometime before mid-XX/XX/XXXX, and I told them we would not be paying this because we had planned on fighting it. I have all of my documents I got from XXXX XXXX  and the voicemail threatening to sue us. Since the debt was taken over by a collector, I cant fight XXXX XXXX. Finance of Green Bay is not who we have a complaint with, its XXXX XXXX  we have the issue with and dont feel as though we owe Finance of Green Bay anything since we werent made aware of our debt before it was grabbed by a debt collector.
Consumer complaint received 2021-08-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I entered into a consumer credit transaction with Nissan XXXX on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Nissan sent me a bill which is a violation of 15 USC 1692b.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.
Consumer complaint received 2015-06-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Collection company is trying to make me pay a collection fee for a debt that I paid years ago to the doctor and I do n't know how this company thinks it can collect from me. Their statements shows an original balance of {$0.00} but they want a collection fee of {$7.00}. They are threatening if I do n't pay, " Do not delay. Credit information is now being accessed for employment & apartment qualifying ''. Another threat is " Procollect will delete your account from your credit report and reduce the balance by 50 % if payment of {$7.00} is received in our office no later than XXXX/XXXX/2015. " I do not owe any debts and this is a scam.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

My card was stolen by someone and used for multiple charges on my account. Multiple charges were processed and allowed to go through. I did not know about them right away because I did not have my phone as it was lost. When I finally received my new phone I saw charges were made on a site called XXXX. I contacted this merchant and they confirmed that the incorrect debit and credit card details regarding the billing and shipping address were made however chime still approved the purchase to go through. Even though this is 100 percent proof of fraud. If someone gets your bank card and puts the name on the card and the card number thats not enough for the charge to go through. They must also have the correct billing and shipping address. However they did not. Somehow chime bank approved this purchase and many others even though I reported them as unauthorized. They denied my claim saying they found NO ERRORS. Which is 100 percent FALSE. The merchant XXXX confirmed with me that the billing address and shipping address used to make the purchase was in fact the wrong address. This is a ERROR. So it seems Chime bank is just denying claims without even properly investigating them.
Consumer complaint received 2021-08-05
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. (FL)

The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Equifax and XXXX  are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}.

XXXX  reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance.

I have disputed multiple accounts with XXXX  and equifax and I am not getting anywhere.

Below I will attached all 3 reports so the information is able to be verified per accuracy.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I have been a member of PayPal for years. For some reason I still do not know they changed my credit card number. Also they evidently are using Synchrony Bank which is abysmal. I have wasted six months attempting to get ANY help. Synchrony Bank keeps me hold and then attempts to transfer me to PayPal - where I am ( 1 ) disconnected ( 2 ) automatically get a busy signal. NOT ONE PERSON HAS ANSWERED MY LETTERS. I have sent all of them to the address located in the back of the billing statement that comes every month. I also have a {$20.00} amount that has been is that they refer to as " PayPal Cash Plus - I have asked in writing as well as verbally for PayPal to issue me a check for that amount. NOT ONE PERSON HAS REPLIED.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

Back in XX/XX/XXXX, I filed a chapter XXXX bankruptcy. For XXXX of XXXX, I owed Fay Servicing ( Mortgage company ). In XXXX I started making payments to the courts for the bankruptcy which included arrearage for the past three months plus the current months. My mortgage was {$1600.00} a month plus an extra {$300.00} of the {$4900.00} that was owed. When the bankruptcy went to verify what my arrearage was Fay Servicing came back with {$10000.00} for arrearage. I requested from the bankruptcy to get approval to speak to my mortgage company which was approved in XXXX of XXXX about the {$10000.00}. No one could tell me where the {$10000.00} came from and the mortgage company told me to talk to bankruptcy and vice versa. No one could give me a straight answer as to why or how I owed so much. This went on for months, In XX/XX/XXXX I took my current mortgage payment out of the chapter XXXX and started making payments on my own of {$1600.00}. Got statements in the mail that I still owe $ XXXX I called Fay Servicing and started talking to my account manager XXXX XXXX XXXX She requested a payment history which we never received, which went on for 6-7 months. She didn't understand how I owed the {$10000.00} as well. Recently she requested a payment history that we never received until XX/XX/XXXX, she sent me someone else 's personal documents. I asked her to explain the information to me and she put me on hold to get her manager and hung up and never called back. I called ack and she didn't call back after that. I've left several message and never got call back. On XX/XX/XXXX got an email from XXXX XXXX which was a payment history statement form XX/XX/XXXX until XX/XX/XXXX. I stll don't understand the payment breakdown and I've Ms XXXX back and no answer from her or Ms XXXX at all from XX/XX/XXXX and XXXX. I want them to explain how I owe {$10000.00}. I feel as if something is going on with my mortgage that I'm not aware of sneakily. Thank you
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I 'm in the process of trying to cancel American Express Credit Card for my mother. She has never requested this credit card and is unable to cancel herself as she is elderly, suffers from XXXX, and does not speak XXXX. I believe she 's been paying for some time now, because she did not know how to cancel it. 
When I called American Express, they said she needed to be with me or have a power of attorney. My mother lives in XXXX, and I am in XXXX. We will have to go through great lengths to cancel a credit card she never asked for. I would like American Express to not only cancel this card, but stop preying on the most vulnerable for financial gain. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-30
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: JPMORGAN CHASE & CO. (TX)

I received notification of a new opened account on my credit report through XXXX. The account was opened yesterday ( XX/XX/21 ) for {$60000.00} and I did not open an account. This is potentially fraud. 

Account Information Below : Account # XXXX Creditor Name : JPMCB Auto Finance Industry Type : Bank Credit Card Address XXXX XXXX XXXX XXXX Mail Code XXXX , XXXX , LA XXXX Account Balance : {$60000.00} Payment Status : Current Want to get this resolved as soon as possible. Thanks
Consumer complaint received 2021-07-30
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. (CA)

There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX Amt {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX Amt {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}
Consumer complaint received 2021-07-30
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: Bread Financial Holdings, Inc. (PA)

This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating. 
All was Disputed on XX/XX/2021 No was not Taken
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My student loans had gone in default and were transferred to a collection company- back in 2018 I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to XXXX XXXX XXXX XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a XXXX XXXX. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Consumer complaint received 2021-07-30
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. (CA)

There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX XXXX {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX XXXX {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}
Consumer complaint received 2021-07-30
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. (PA)

I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. Experian is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )
Consumer complaint received 2023-03-31
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-30
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (VA)

I have finished writing my complaint against NFCU denying my dispute claim. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX, XXXX XXXX I have already downloaded / attached 40 documents I got cut off. My NFCU XXXX XXXX XXXX was lost 2 days ago, and requested a new card thru the NFCU Branch in XXXX. XXXX, VA .
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX WASHINGTON, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit (OR)

I am filing this on behalf of my XXXX Adult Daughter who suffered a XXXX in XXXX. Lake City Credit has been sending her notices that she owes them {$1200.00} for overdraft amounts on her checking account with XXXX XXXX. 
My Daughters name is XXXX XXXX XXXX and she has not had an account with XXXX XXXX  in XXXX, Oregon since XXXX of XXXX. She is with XXXX XXXX XXXX XXXX and I have access to her account to help her manage her finances. 
On XX/XX/XXXX I contacted the XXXX XXXX  Branch in XXXX and spoke with XXXX who reported that XXXX XXXX  only keeps records for 7 years. He also said they do not have a relationship with Lake City Credit in XXXX XXXX, Texas. I then called Lake City Credit and requested they provide documentation and proof of this debt. They could not and would not. I suggested that I was going to contact the Justice Department in Oregon and they transferred me to a supervisor who then hung up. I assumed this was over but we have now received another letter from Lake City. We would like them to cease and desist and request your assistance on this matter.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pinnacle Asset Management, LLC (CA)

Pinnacle Credit company has found a way to buy an old credit card debt and then they got a judgement against me and now are taking money out of my checking account. They never served me or notified me. I can not put money into my account to pay my bills. 

They say I owe {$14000.00} The case number is XXXX out of XXXX XXXX, CA
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.