davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: Specialized Loan Servicing Holdings LLC (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I made a XXXX purchase on XX/XX/2021 online using XXXX payment services, making a downtown payment for {$61.00} using my NFCU debit card ending in # XXXX. I decided to return the product on XX/XX/XXXX back to XXXX through XXXX. NAVY FEDERAL CREDIT UNION TOOK IT UPON THEMSELVES TO POST MY CREDIT TO THE WRONG ACCOUNT AND DEBIT CARD ENDING IN # XXXX ON XX/XX/XXXX. I CALLED NFCU TUESDAY MORNING ON XX/XX/XXXX. 
THEY LIED REGARDING MY CREDIT SAYING XXXX POSTED MY CREDIT TO THE WRONG ACCOUNT. THAT'S INACCURATE INFORMATION BY NFCU. 

I RECEIVED AN EMAIL FROM XXXX ON XX/XX/XXXX SAYING THEY WILL CANCEL ALL MY REMAINING PAYMENTS AND REFUND ME MY {$61.00} GOING BACK TO MY CARD EBDING IN # XXXX. 

I RECEIVED AN EMAIL FROM XXXX ON MY PURCHASES AND REFUNDED. 

PLEASE SEE ALL ATTACHED EMAILS AND RECEIPTS.
Consumer complaint received 2021-03-16
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Since late of 2019 Ive been in contact with the Chex Systems company where as i told them they had inaccurate information reporting through system. Since I've been denied bank accounts and lines of credit. I've asked them repeatedly to fix and remove these items at one point they did only to turn around and place the false information back on their report. 
All this information listed below is inaccurate : ADDRESS NOT ASSOCIATED WITH ME : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE NUMBERS NOT ASSOCIATED WITH ME : XXXX, XXXX XXXX XXXX XXXX, SUSPECTED FRAUD ACTIVITY ACCT XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CO)

On approximately XX/XX/XXXX I transferred internet service with XXXX to a new address. The company mistakenly charged me a {$70.00} contract termination fee because according to their policy I transferred service to a new address and did not cancel. I spoke with them a second time and they again confirmed the charge was a mistake and will be waived. I did not receive any more notifications from them until today, XX/XX/XXXX when I received notification from a credit service company this debt had been sent by XXXX to Credit Collection Services ( CCS ) and had been posted to my credit report. I called CCS who promptly tried ( unsuccessfully ) to gather lots of my personal information and made aggressive statements about my need to pay this debt. 

I called XXXX for the third time who again reaffirmed to me this was an incorrect charge, but did give me a satisfactory response to give me confidence they will resolve it.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (OH)

I just read that credit karma was sued for saying that I would be approved for credit and when I tried to get approved for a credit card I was denied because of my credit score I also tried to get a loan through credit karma and was denied
Consumer complaint received 2021-03-16
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. (NC)

Experian is reporting a Closed XXXX account on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times and spoke with XXXX to have the Closed Charge-off XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX, I did not give authorization to XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Consumer complaint received 2023-01-24
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

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 XXXXXXXX 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 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On XX/XX/2022 aprox XXXX I attempted to obtain my account number. My statement did not have it available, the online option did not have it available. I didn't want a replacement card and was told that was the only way to obtain the account number. I wanted to pay off my card while obtaining funds for a balance transfer. I tried to explain that by law they should provide me my account number in order to make a payment. I could answer any security question requested if they had only asked. However, I was told the only way for me to obtain my card is to order a new replacement card and I could receive it in 10 business days.

This is incorrect and there should be a means to obtain my account number so I can send them a payment.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate information.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX CO XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX CO XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00}
Consumer complaint received 2021-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I opened an online checking account with Suntrust Bank on Sunday XX/XX/2021. On Monday XX/XX/XXXX I went into the local Branch located at : XXXX XXXX XXXX XXXX, NC. On that day I met with a bank representative who suggested that I open a money market savings account so I did. I made my first deposit into the checking account in the amount of {$500.00} cash. I returned to the bank on XX/XX/XXXX with another cash deposit of {$500.00}. On XX/XX/XXXX at XXXX am I made a cash deposit of {$1500.00} and I returned later that day with another {$1500.00} deposit via check that was made out to me as a personal loan from XXXX XXXX XXXX, XXXX. After receiving my debit card in the mail on XX/XX/XXXX I went back to the back and made another {$500.00} deposit. I left the bank to see if my card was activated and found out at that point my account was frozen. To my surprise ... ..especially since the bank continued to take my money for 8 days straight and never once said there was any problems with my account. 

On XX/XX/XXXX I had a payroll direct deposit of {$1200.00} that went into that bank as well to total {$5700.00} No one from SunTrust Bank will give me any answers as to why my account was frozen and why they continue to hold my life savings. I am a XXXX years old XXXX man trying to nest egg money to survive throughout this pandemic and this bank has taken every dime that I have without due process. After some deliberation I didn't know what else to do except perhaps notify the local media in hopes in getting some answers. Which is why I pray that your agency can help me!
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (NY)

MARLETTE FUNDING accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Consumer complaint received 2023-01-17
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)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (AZ)

Are you kidding me? You conspire to create these problems and want 20 questions to pretend to solve them ( previous owner dead a year and offers to refine the home not addressed to me ). If your org. is on the mailer, you should be accountable. Cease and desist!
Consumer complaint received 2022-03-22
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. (IL)

I have been disputing this acima account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Consumer complaint received 2020-03-12
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-01-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

To whom it may concern : Under the Fair Debt Collections Practices Act ( " FDCPA '' ), the Fair Credit Reporting Act ( " FCRA '' ) The Consumer Credit Protection Act ( " CCPA '' ), I have the right to request validation of the debt they say i owe. On XX/XX/2020 I disputed and requested validation for a debt of XXXX dollars from Jefferson Capital Systems giving them 30 days to respond.My letter to Jefferson Capital System was sent certified and received by them on XX/XX/2020. As of today XXXX XXXX Jefferson Capital System has not responded, validated, or removed this account from my credit reports with XXXX  XXXX, or XXXX in which this account is listed on all 3. This is my formal complaint that I believe the agency has violated my right as a consumer by failing to validate a debt at my request and continuing to report this disputed debt to the all 3 credit bureaus listed above. This is a clear violation of both FDCPA and the FCRA. Jefferson Capital Systems has ignored my request for validation of debt ( proof attached ) and by continuing to report to all 3 credit bureaus is causing damage to my character.I 'm requesting that all future attempts to collect this invalidated debt cease and desist and be completely removed from all 3 credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (SC)

I received a digital letter from Lowes/Synchrony that my credit limit was being lowered to {$100.00}. Due to a XXXX credit score, Lack Of Real Estate Secured Loan Information, No Open Bankcards In Your Credit File, Balances On Accounts Too High Compared To Credit Limits And Loan Amounts, Delinquent Or Derogatory Status On Auto Accounts Is Too Recent. 
This is my true info : Total Accounts 34, 18 open accounts / 16 closed accounts. On-time payment history 100 %, 0 late payments, Excellent Rating. Derogatory marks 0, 0 collections / 0 public records, Excellent Rating. Credit card usage 13 %, Good Rating. Credit score over 750.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Clark County Collection Service (NV)

The original debtor : XXXX XXXX defunct apartment landlord. Sold my debt to Clark County Collections in XXXX XXXX, NV XXXX obtain a lawyer and had a garnishment levied against me. I paid of debt through garnishment. 

When i tried to get the info removed after i paid off the debt through garnishment. They wanted me to pay an additional XXXX dollars to report debt to credit bureaus ... i declined that. And they left it on my report as unpaid. They have since resold my debt and it is causing mental pain because im unable to move anywhere with this unreported paid of debt.
Consumer complaint received 2020-12-26
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: Experian Information Solutions Inc. (NV)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I made {$4700.00} purchase with a Citi credit card since I opened the account. {$7200.00} were paid from bank accounts. After the payments, the account has been carrying - {$2800.00} balance. I requested to refund the overpaid part, but never received it. On XXXX XXXX, 2021, Citi reversed {$5000.00} credit, without refund to bank account, making me carry {$2400.00} debt on my account. 

I contacted Citi about the reversed payments, no clear answer was ever provided, and their explanations did not match with the statement. If the payment reversed, at least it should be a refund to the bank account. Now the {$5000.00} goes to nowhere and made me carry the debt with no clear answer.