davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CT)

After speaking to multiple agents for XXXX  and XXXX, they found I had enough reasoning to have the information closed and removed from my credit report. I have given the same information to XXXX  and have been going back and forth with them on an account that does not belong to me that was opened fraudulently. I explained I have lived with my mother all my life and have never had anything in my name under my social and with proper identification they were able to confirm that what I was saying was the truth. XXXX  has made this process very difficult as it has been months I have been trying to dispute this negative fraudulent information. It was only brought to my attention when my home lender caught it in my report when he tried to get me approved for a loan for a house I am trying to buy for my XXXX. It has delayed my process and they still refuse to cooperate and get the information removed and closed off from my report. They have continued to ignore my requests regardless of the information given or any reasoning. 


Security Credit Services Account # XXXX Collection opened : XX/XX/19 Balance : {$3200.00}
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL CR UNION-XXXX-Credit card-XXXX-XXXX-XXXX  have not stop calling me after I send a dispute letter. 

PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair credit reporting act ( FCRA ) 15 U.S.C1681 ( FCRA )
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

My husband was contacted by loan depot by phone rough the week of XX/XX/XXXX saying the interest rates were low and if we were interested in Refinancing.. He was in the hospital so he told the gentleman that he could not talk to him because he was under the influence of narcotics. 
On XX/XX/XXXX, around XXXX XXXX. My husband received another call for Loan Depot from XXXX. My husband said he was going to block the number what did I think. I said call him back, I check my score this morning and it was good. My husband call XXXX back and XXXX asked for my husband 's Social Security number and the gentleman told him that he did not qualify because of his XXXX salary he did not make enough to do file, but he could run my numbers. So my husband allowed me to enter the conversation with XXXX on the phone. The only reason I allowed the the gentleman to run my numbers is because I had checked my numbers that morning. I knew what my Credit Score was. I hung up from XXXX ; about XXXX XXXX cst I gave the gentleman all of the information he requested. When I gave him my birthday, he commented that I was the age of his mother. He told me that I sounded like I was his age in my XXXX 's. I sounded very young. He asked my why I wanted to refinance. I told he I was interested in paying off my loan early and reducing my payments. He said he believed that that he could get me between 2-3 % interest rate for 10 - 12 years, but we needed to act fast. He said he would call back in about an hour. XXXX called back about 75 minutes later. My husband had him on speaker phone, so my husband, my XXXX XXXX and myself could hear the conversation. He told us that my credit score was not acceptable. He said my credit score was XXXX and I needed it to be at least a XXXX. I told he I had checked that morning and I knew that my XXXX  numbers were higher. I ask how when I login to my XXXX  account my numbers were different from his, he said he did not know but those were the numbers he received. My husband and I said ok and we hung up. I went strait to my computer and check XXXX, XXXX  and XXXX  and none of my scores were in the XXXX 's. So I sent XXXX an email. Attached is the email I sent to XXXX. 

I have not heard from XXXX, his manager or anyone for Loan Depot. 

This is unacceptable. You lie about my credit score when I know them to be different. 
This is why I am filing a complaint against Loan Depot. I believe they falsified the numbers so they would not have to give me the loan.
Consumer complaint received 2021-08-11
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. (PA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2021-08-10
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. (PA)

On XX/XX/21, I received confirmation from US Bankruptcy Court XXXX District of PA that they DO NOT provide any type of information to credit reporting agencies. 

On XX/XX/21, I received confirmation from XXXX XXXX that a security freeze has been placed on my file per my request as I was recently a victim of identity theft. 

On XX/XX/21, I received results of dispute with Equifax in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. I then sent a request disputing those results as inaccurate. 

On XX/XX/21, I received results of dispute with Equifax again in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. 

I am requesting this item be deleted from my credit file with Equifax as they have violated the FCRA in falsely reporting information. 

See attached documents
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I received an email that the email address on my Experian account had changed. I tried to login and was told that the email of record on the account was changed to XXXX. That is not my account. I tried to call to complain and got a voice recorded system. I complained on Twitter and was told to FAX A copy of your driver 's license, state-issued ID, or passport, A copy of your social security card, A copy of a recent utility bill, bank statement, or insurance statement to some phone number. I did. A week later I got a statement in the mail that my account has been locked. I just tried to login and was told that it is now tied to XXXX. 

I am trying to buy a house. This is ridiculous. Experian support is non-existent.
Consumer complaint received 2021-08-10
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: Credit Karma (MI)

hello. i opened a credit karma spend account well over a month ago. in this time ive added in XXXX $ increments XXXX to the savings and XXXX to the spend account. i tried to use the card and it was denied and has been everytime we try to use it. we cant internally transfer anything either. its locked. i called credit karma and asked for a supervisor numerous times. every time they say they cant help n have no support team for me to talk to everything HAS to be done on their time and through e mail. i read on there website that they used XXXX XXXX  XXXX so i called them. they also cant help and said she would send a email on my behalf. there website says all over it its fdic insured and use mvb banking. they refuse to help after 50 emails i have that prove everything ive done n everything said back to me. every reply is telling me i didnt respond. i have 4 kids n NEED my money. this card and entire process is insane. further into reading reviews it seems like anyone who has had this account opened is having issues. every card is locked and no one can get to their money. credit karma is holding on to sooooo many peoples money and wont give a reply or our money back. they claim to have a support team but at the same time there is zero contact information they will give you. they tell you its all emails. something HAS to be done about this. they stole XXXX $ from me as well as ALL of my information at this time. i thought i was doing something good and adulting and they definitely ruined that for tons of people in the US. i will never use credit karma again for anything.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I went to XXXX, entered my info, selected Experian, and immediately received an error message telling me to submit my request by mail ( screenshot attached ). Experian is required to make credit reports available online via a **WORKING** web site, which they don't. This has been a continual problem and they need to be fined for their lawbreaking behavior.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

CREDIT CORP SOLUTIONS is in violation of the FDCPA.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified my specified remedy as a consumer, and the original creditor i am demanding all of the following : 1.Deletion of account from all consumer reports.

2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NY)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

The address associated with the account I have never lived at and the loan is not mine I spoke with ad Astra collections and explained to them that the address was not mine nor am I associated with the address and I want it removed from my credit repot
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-08-10
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. (TN)

I Have New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX XXXX  is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX Equifax is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX Equifax is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Equifax is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this information.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (FL)

During the last week, three prepaid Visa debit cards were compromised, where the source of the vulnerability was the company 's own website www.giftcardmall.com/mygift. A user would type in the card information online, only to get an error message. Unbeknownst to the unsuspecting customer, the card 's information is being leaked to a hacker, and the remaining balance is being siphoned off in the matter of seconds ( usually via fraudulent XXXX transaction ). A second attempt to login is usually successful, and it shows the card balance accurately albeit at XXXX, as someone had just debited a transaction exactly equal to the remaining balance. This has happened from multiple IP addresses and different browsers. The only reliable way to check a balance on a card is to call via the telephone automated line. It is virtually impossible to register a card online, because that would mean someone will drain it, as was the case with card # XXXX, from which the entire {$200.00} balance was stolen even prior to first use. In contracting with Blackhawk Network XXXX  Inc. the Bank has repeatedly failed to manage third party risk. Blackhawk Network XXXX  Inc. has been very difficult and defiant in resolving these claims. They would ask for multiple and onerous pieces of information, whereas the fraud obviously happened on their end. They also will put a 10-day deadline on many of these cases, and demand multiple pieces of information including receipts, copies of utility bills, copies of the debit cards in question, and I was just fortunate enough to have all of these. But what if I had thrown them away?!? 

I still have two claims unresolved, and more and more information is being asked of me even though I registered both cards.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance is misreporting the balance and status of a charge-off auto to XXXX  and XXXX. The account has been settled for less than the full balance, and is reporting to XXXX  correctly with a {$0.00} balance owed, and settled.
Consumer complaint received 2021-08-10
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 just check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit report.
Consumer complaint received 2021-08-10
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 just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit report.
Consumer complaint received 2021-08-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.
Consumer complaint received 2021-08-04
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

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 2021-08-10
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. (CA)

Remove untruthful, lying negative mark of me being late with rent payment on all 3 credit bureaus immediately. You never made repairs and it was my right to with hold rent. You are still being paid your rent in full including rent increases. 



XXXX XXXX XXXX  XXXX refused to make repairs leaving my unit inhabible and illegal for 3 years to this day are : Neglected Repairs- *broken front door locks/handle 3 YEARS *NO HOT WATER IN TUB/SHOWER 3 years * faulty fumigation making roaches migrate into apartments * broken window frames/walls leaking water into unit * holes above sleeping/bathroom ceilings/walls made by maintenance * survelliance illegally put into my apartment, behind walls security system XXXX XXXX XXXX  XXXX made a bribe to code enforcement XXXX I reported XXXX XXXX XXXX  XXXX to XXXX XXXX city code enforcement As a result of bribe ( look up the records in XXXX for yourself ), XXXX XXXX of code enforcement has been out here due to my complaints but has not enforced these inhababiity issues that make my unit illegal. Despite me pleading with landlord to work with me, instead she played and abused me. 

Manager refused to make repairs. 

As my tenant rights suggest, I with hold rent. That is my right and as a result, a negative mark was put on my credit. 

After 3 years, landlord never made repairs. 

Please remove late mark on my credit reports
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

I went to a restaurant and they gave me back the wrong card. I contacted the company and they dont have my card. I called synchrony to report my card as its not in my possession. After 5 calls, my card is still active. Representatives did not want to assist me like they are wanting fraud on the card. They transfer me to a place that barely can understand me and when I do get someone who can, they are total jerks and disconnect the call.