davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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. (TX)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.fsnb, na XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2020-08-10
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. (FL)

I reached out to XXXX for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased XXXX points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit XXXX points and due to their error my credit score is paying for it.
Consumer complaint received 2020-08-10
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. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX  XXXX {$32.00}
Consumer complaint received 2024-02-26
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. (NJ)

A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXXXXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time
Consumer complaint received 2020-08-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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 2020-08-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (KS)

I have asked repeatedly since 2018 for NFCU to close my account which they refuse to do. Now I am being threatened by XXXX XXXX, XXXX, Membership, with being dunned an inactive fee. They don't seem able to just close my account.
Consumer complaint received 2020-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (AZ)

A collections notice on my credit report was reported to the credit bureaus on XX/XX/20 by Capital  Accounts. Unbeknownst to me, I was unaware of any such claim or attempt to collect a debt, and I never received any documentation from Capital Accounts stating I could dispute the collections claim or was I granted any proof of bill or records showing proof I was delinquent in payment to the original creditor. I do not owe any past due debt to the creditor. 

I disputed the collections notice on XX/XX/2020 with each separate credit bureaus and requested for Capital Accounts to submit proof of bill and any records validating their fraudulent claim. It has been nearly 60 days and I have yet to receive any notification of proof from Capital Accounts. I have attempted to reach Capital Accounts via telephone and receive their automated voice message. My most recent attempt in communication with Capital Accounts is XX/XX/20 and I have phone records to indicate this attempt. 

Upon investigating my account number on Capital Accounts website, under their records for my account they have my fathers private XXXX telephone number listed as my phone contact and my mothers personal email as my contact email. They have fraudulently stalked my family members personal information and have used this information to attempt to collect a debt from me that they have not provided any proof or validity of their claim. 

Capital Accounts is in violation of Fair Credit Act and Fair Debt Collections Practices Act. My parents are elderly and Capital Accounts business practices has caused my family great XXXX XXXX  with fear of potential identity theft being acted upon by the company. 

Capital Accounts has also begun to fraudulently add interest to the debt of which they have not provided any proof of records or billing from creditor or was I given due-process to dispute the collection claim, amount or validity prior to the credit bureaus being alerted. There is no contract or record of agreement from the creditor stating that interest will be accrued and Capital Accounts can not keep adding fraudulent charges that increase on my credit report. Capital Accounts is in violation of Fair Credit Reporting. 

I will not be a victim to Capital Accounts misuse of debt collections and practices.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I paid off my balance, with the agreement XXXX XXXX XXXX would report to all credit bureau. They report to only one. The account was resolved. They promise they would report, I'm unable to obtain credit because they failed to report to all credit bureau.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX  XX/XX/XXXX Experian. XX/XX/XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2022-10-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NV)

I was informed by M & T Bank via e-mail on XX/XX/XXXX XXXX XXXX PST that my mortgage now belongs to them effective XX/XX/XXXX and I should have received a welcome packet and information. I attempted to reach them via phone after the e-mail arrived, as no welcome packet ever came. The XXXX XXXX stated that they are attempting to collect a debt, and my home is in default. No one at M & T Bank answered the phone and I wasted hours in an automated XXXX XXXX with these threatening messages. 
I was not properly informed of this change ; being notified via e-mail 4 days before the transfer is not adequate. I have no account number with M & T Bank and no instructions on how to contact them, as they do not answer the phone and have not responded to e-mails. 
I was able to get in contacted with XXXX XXXXXXXX XXXX via telephone today XX/XX/XXXX and requested the payoff information. I do not want my house to end up in foreclosure due to this transfer, and will find a way or obtain a loan to pay off the mortgage. I requested the XXXX XXXXXXXX XXXX  staff member to figure out where this debt is coming from and why M & T Bank is stating my home is in default. She couldn't explain where M & T Bank is collecting their information. The XXXX XXXX XXXX employee stated I received an email informing me of the change on XX/XX/XXXX ; however, that e-mail was not received and no other notifications were provided by XXXX XXXXXXXX XXXX regarding my mortgage transfer. 
M & T Bank needs to do better, sending an e-mail with no account information or appropriate contact number is not acceptable. Homeowners are only left with trying to find away to have their mortgage paid off to prevent their home from going into foreclosure. M & T Bank has failed to provide the adequate resources necessary to continue with the mortgage process. Most likely they are an illegal operation who erroneously collect debts that do not exist, forces defaults, and forecloses on homes.
Consumer complaint received 2020-08-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I pray CFPB will investigate and put this wrongful foreclosure attempt to rest. Please read the attached letter for CFPB and all the documents after. 
Rushmore Loan Management Services ( RLMS ) is committing fraud, theft, perjury and extortion, in an attempt to foreclose on my property. 

They have neither mailed a certified letter, a phone call, or notice posted on my door every since they acquired the transfer of the alleged debt from XXXX XXXX XXXX who I have complained to the DOJ, FBI and Wa. State Attorney general RLMS violated the Fair Debt Collection Practice Act, Fair Debt Billing Act and countless other laws pertaining collecting debt.

Questions that need an answer 1 - I need to see the Wet Ink Original Note to see if the proper chain of title and endorsements 2 - I want the names, address and phone numbers of the investors that bought the note 3- UCC 9-210 ( e ) ( 2 ) provide mailing address and all assignee or successors 4- Verification and Validation of the alleged debt 5- Did RLMS pay to acquire alleged debt and how much 6- What contract if any must be provided to authenticate alleged debt 7- The amount of debt RLMS claim is owned
Consumer complaint received 2020-08-10
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: Bliksum, LLC (MO)

I have a loan with XXXX, LOANME XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LOANME XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: Bread Financial Holdings, Inc. (MO)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and CB/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ), and CB/XXXX   with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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: Ad Astra Recovery Services Inc (MO)

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ), AD ASTRA REC ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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. (NY)

Transunion is reporting false information on my credit report. 
All other credit agencys have investigated and removed the inaccurate information from my reports except Transunion. 
I am writing to dispute the following information in my file. I have filed complaints with the proper agencys. 

This item XXXX does not belong to me. This account is inaccurate because it was open by fraud. I am requesting that the item be removed and re-investigated to correct the information.

Please re-investigate this [ these ] matter [ s ] and [ delete ] the disputed item as soon as possible.

I have begone the file suite against all partys involved in this fraud including Transunion.
Consumer complaint received 2020-08-10
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: Midwest Recovery Systems (MO)

I have a loan with MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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. (NY)

I had fraudulent accounts on my Equifax credit report. These accounts was blocked and removed on XX/XX/2020 and XX/XX/2020. I have proof that these items were removed from my credit profile. Upon reviewing my recent credit report, these fraudulent accounts are back on my Equifax report
Consumer complaint received 2020-08-10
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)

On XX/XX/2020 I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of XXXX then proceeded to do extensive research on what I should do concerning being a victim of Identity fraud. I read the FCRA extensively concerning my rights and I came across 605B of the FCRA Which states my rights as an Identity theft victim. I then contacted my local Police Department and filed a report. 

On XXXX I sent Equifax a letter with my police report as instructed from the FCRA concerning the identity fraud. 

On XXXX I received a letter from Equifax stating that the would block the fraudulent information and that they would investigate for an additional 30 days and keeping the Erroneous information on my credit report pending Investigation. Bad enough that I'm a victim of identity fraud and now I have to have Fraudulent information remain on my account for an additional 30 days.
Consumer complaint received 2022-09-15
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. (TX)

I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!
Consumer complaint received 2020-08-10
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: National Credit Adjusters, LLC (MO)

I have a loan with NATIONAL CREDIT ADJUST, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NATIONAL CREDIT ADJUST, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

This company has been notified that they have violated the privacy laws. This is a violation of HIPPA. They have also not responded to any of my request. These are major violations of the FCRA, FDCPA. No one has provided me with a signed authorization to release any of my personal information nor my medical information to any collection agency.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I have had an account with Chase Bank for many years now. 
Always in good standing until the Covid-19 crisis. 
Once my account ran into overdraft Chase began to have some personal issue with me and this account. My Stimulus Check was returned for having the wrong routing number although the routing number was provided to me by Chase and was for wire transfers and not direct deposits, this cost me the Stimulus Check as it was returned and then mailed to the wrong address before I could update my file with the IRS. 
Every single deposit made into this account has a hold on it regardless of the source of the check or the amount. As a result Chase has made it impossible for me to function or do business as normal or expected. 
I am forced to have fights with Chase on every deposit and have sited the rules for deposits as per the Attorney General Banking rules for deposits and holds on funds availability to them only to have pathetic excuses and lies told to me before they eventually release my funds as they should have in the first place. The latest issue I was told that the deposit wasn't processed so there was nothing they could do to release the hold although no hold could be placed until the check was processed. ( if it hasn't been processed how could there already be a hold? ) Chase seems to have singled me out and is making my life more difficult at a time when the entire country is suffering with this Covid-19 crisis. They are running me out of XXXX  and in directly into a homeless / poverty position with no regard to the state rules and regulations.