davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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)

I discovered multiple fraudulent accounts and hard inquires on my credit report. I filed an Identity Theft Report with FTC.ogv and sent it to credit bureaus. I submitted and sent my reports numerous times to Equifax and they failed to fix my report. All fraudulent accounts are still showing on my report, and they keep giving me a response that Hard Inquiries will stay for 2 years and ignoring the fact that I am a victim of a theft. It is so frustrating that they don't protect victims and are not effective in removing inaccurate and fraudulent accounts and inquiries from a consumer reports.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

THERE ARE 7 " NAVIENT '' ACCOUNTS ON MY CREDIT THAT ARE REPORTING LATE ON XX/XX/2020 & XX/XX/2020. THIS IS INACCURATE BECAUSE PAYMENTS WERE DEFERRED DUE TO COVID19. THE CARES ACT PASSED BY THE FEDERAL GOVERMENT MEANT THAT NO PAYMENTS WERE REQUIRED. PLEASE RECITIFY THE LATE PAYMENTS ASAP.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from Midland Credit Management. The name on the judgement was XXXX XXXX XXXX. I contacted Midland Credit as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. Midland Credit Management failed to provided me a validation of debt letter at the address they filed the lien on. Midland Credit failed to contact me prior to obtaining the judgment or lien on the property. XXXX XXXX  per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK  XXXX. This is also the address in which this individual was served notice. Midland Credit knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. Midland Credit knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. Midland Credit has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.
Consumer complaint received 2023-11-01
Product: Credit 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: WELLS FARGO & COMPANY (NC)

In the beginning of this year 2023 Im not sure the exact date because I have been through XXXX fraud claims for this exact transaction. The first claim was resolved the second claim I had to get a whole new credit card account for my credit card that was resolved. The third claim the denied and they are denying to reopen the claim about a transaction of {$7000.00}. I cant remember the exact amount and it wont let me look up the amount on my account, but it was a transaction for almost {$8000.00} for a car rental company that I did not make but the bank is refusing to re-open the claim and its also refusing to refund my money back because they claim that the rental company has provided my name and my credit card information to them. Confirming that it was a transaction made through me, but I did not make a transaction at a rental company. I didnt even have a valid drivers license at that time so Im not sure if it was someone around me or someone they had access to my information but I keep calling and trying to resolve this situation but the bank is not helping at all anymore and are refusing to resolve this situation.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I opened a Chase Credit Card account last year. I don't need this credit card, but I opened to boost my credit. I closed out most of my credit cards due to fraud. My bank account was hacked last spring so I closed out most of my accounts. My credit took a hit. I am retired from the XXXX and have a good retirement and social security. I opened this account and received a paper statement finally. I don't use online anymore as I have been hacked and somebody is still watching my online key strokes and know when I changed my password which is frequently. I want to stay offline as much as I can. But too many businesses want to go paperless. That doesn't work for me. But hard for companies to send paper statements. As of right now I have kept one credit card. And have canceled the rest. So what Chase had done finally has sent a paper statement and charged a late fee of XXXX dollars. I called and canceled the card immediately. I tired of these companies taking advantage of veterans. They are not reasonable. I tired of their charges. I don't need any credit card. They don't want to send paper statements. That's the way XXXX due my bills. I tired of these businesses wanting to go paperless. The least they could do is send a email. Then I would know they got the payment. I gone back to writing checks and I won't do automatic payments. These companies are making a killing with their unjust Charges. They profiting off the consumer. I have a good payment record. I do need company like this nor do I need they service. I paid their fees and closed the account. I don't some company dictating there terms which is pages of garbage that you need a lawyer to figure what it says. So much for simple. I paid in cash when I joined the XXXX and never had credit card in my first 5 years in service. This is not the way I want to be treated. I have always done the right thing even if nobody 's looking. So if can look into this I would appreciate it. 
Chase. Don't need them nor do I want their service..
Consumer complaint received 2021-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

For several months I have been writing to NCB and XXXX about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called XXXX XXXX and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called NCB and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by XXXX XXXX or NCB Management Service so quickly with the bureau 's
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I lost XXXX blank checks ( in my checkbook ) it was not stolen, but misplaced. I asked to have my checks stopped. there should not have been any fee on stopping a lost blank check, but I was charged for it. And in attempting to rectify the situation, service representative tried to put a hold on my account and close the account out, stating that it was policy to do so. 

It was averted, because I refused to give out my SS #, and problem was fixed finally by another rep in the supervisory role 2 hours later. 

However I wish to file a complaint for the service rep who deliberately mis-informed the customer and attempted retaliatory action in attempting to close the account when it was not needed.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently sent out disputes regarding a collection account that is listed on my credit reports that should not be there. To begin I have no legal obligation to pay this alleged debt nor is there a legally binding agreement in place either. To further proper validation was not provided by the company XXXX XXXX XXXX per the Fair Debt Collection Practices Act ( FDCPA ). Also per the FDCPA I XXXX XXXX is the original creditor per definition in both the FDCPA and the Truth in Lending Act ( TILA ). As stated in the Fair Credit Reporting Act ( FCRA ) if an item is deleted then the consumer is to receive a written letter within 5 days of the reinstatement of an item to the consumers credit report. To further this item or anything else should be listed on the consumer credit report as it is in direct violation of 15 USC 1681a ( 2 ) ( b ) as extensions of credit whether directly or indirectly should be excluded from the consumer report. In addition, per 15 USC 1681b ( 2 ) I have included my written instructions to remove all listed accounts and information from the consumer report. To further the report should be clear due to the violation of the consumers privacy by the credit reporting agencies and the credit reporting agencies not having a court order for the consumer credit report as well as the instructions from the consumer. I have received notification that the alleged debt was closed and removed for the consumer credit report. As the natural person I am demanding this invalidated item be removed from my consumer report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer
report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I received a notification on XX/XX/XXXX stating that a collection account from an apartment I resided in was being placed on my credit reports ( XXXX, XXXX  and XXXX  ). I was never contacted about this debt when I moved out in XXXX of XXXX. I contacted the company on XX/XX/XXXX for a debt validation and waiting the allotted time of 30 days and did not receive anything from this company to my address in this time frame. I contacted them again on XX/XX/XXXX for a second time, still had not receive anything. I called the original company that issued the debt to be placed on my report, they do not have any record of this debt and can not verify with me where this debt came from.
Consumer complaint received 2021-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

My full payoff is XXXX I am a first time homebuyer who really got jinxed on this home My name is XXXX XXXX My Loan number is XXXX From Rocket morgage Here is my story Dear Rocket Mortgage, I Am very unsatisfied with the way my first home purchase ever went this home purchase I worked very hard to accomplish this goal spent 5 years saving money and working on my credit score but I was completely unsatisfied with my home the real estate agent made it sound like it was a good neighborhood and when I moved in the neighborhood was bad groups of people down street from my home drinking and partying not to mention the middle school is one of the worst in XXXX me or my children could not go in our backyard because the fence was down and the neighbors pitbulls had 100 percent control of my yard and I have a XXXX XXXX XXXX the theres my job promising me all these hours and I got jiped on the hours and not to mention there are very limited programs for child care which pretty much Left me hanging now mind you I gave up my bread making job at XXXX in hopes to give my kids a better life in XXXX now I got XXXX XXXX I get my job back this house Left me broke jobless and behind on my credit XXXX everything I worked extremely hard for is down the toilet over some real estate agent painting a perfect picture that was a nightmare I am asking you I want my XXXX down payment refunded to me and I want enough money to get back on my feet I am willing to give you XXXX toward loan thats it this house destroyed my life and now I need to support my family with no job Im not leaving out of this empty handed I will pay remaining balance monthly but in my case its cruel and uncalled for to be tricked into a home that was a absolute nightmare I will keep my obligation to rest of mortgage but this needs to be handled Im a mother raising and supporting 3 kids on my own and my hopes for giving my kids security got crushed by deceit and that is my agreement to you selling this house you can remove insurance and taxes Im very aggrieved by this and that is my offer to you my kids come first and I do take care of my obligations Thank you XXXX XXXX
Consumer complaint received 2021-08-26
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: WELLS FARGO & COMPANY (CA)

There were several charges on my Wells Fargo XXXX XXXX credit card that I did not initiate or authorize. I reported the charges to the bank as soon as I discovered them. Wells Fargo sent e a new card, and initiated an investigation. An investigator called me after I received the new card. The investigator asked if I was in possession of the card. I misunderstood the question. I thought the investigator was talking about the new card they sent so I answered yes. Because of this Wells Fargo denied my claim.

I have submitted documentation including a police report, supporting my claim. The charges were made on two consecutive days. Some an hour from my home, and two others more than 6 hours away. Wells Fargo continues to claim the charges appear to be authorized by me, but provide no further explanation as to why they believe I authorized these charges. The card was lost or stolen, and I was not in possession of the card when the charges were made.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This another account from the same company that has been sending an overwhelming amount of letters for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX  around this time. I also have identity thefts instances around this year when this account was opened. I have paid several credit repair agencies to remove this erroneous account from my credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-25
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 have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me XXXX, and Equifax. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. 

I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with Experian. I promptly disputed this account with Experian, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. 

Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.
Consumer complaint received 2021-08-25
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 have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me TransUnion, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Avant Holding Company, Inc. (TN)

I have received calls all year from Avant in an attempt to collect on an alleged debt. XX/XX/XXXX I sent them a validation of debt letter that the company received on XX/XX/2021. I also sent in an Affidavit of Truth letter as well that included an invoice for violations. XX/XX/2021 I called in and spoke to a supervisor and he stated he saw the letters and because the letters were still in review he could not provide any additional information to call back in 2 weeks. On XX/XX/2021 I called in once at XXXX XXXX  central time and was hung up on after being transferred 3 times and being on the call for over 43 minutes. The number that I called was XXXX. I called the XXXX number back at XXXX XXXX  central time and was transferred 2 times and was told to call another number after being on the call for over 22 minutes. I called the number they provided which was XXXX and I spoke to XXXX XXXX and she was the very first representative that actually tried to help resolve the problem. Unfortunately, she could not help but stated that she would escalate the problem to the Resolution Department.
Consumer complaint received 2021-08-25
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)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX