davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
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)

There are medical bills on my account that I have no knowledge of. I filled identify theft and sent the paperwork in. Equifax keep verifying information thats incorrect. 

XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$130.00} I have been disputing these accounts and they keep coming back verified. I request information they use to verify the accounts and I never receive anything. They arent protecting my credit file from fraudulent accounts.
Consumer complaint received 2023-05-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (TX)

When I moved out of the complex there was never an amount owed. I never received a call, mail, or anything from the original debt collect nor the collection agency regarding this matter. The apartment complex never reported to my credit. The first time knowing about this debt was because I got a notification from XXXX XXXX saying a collection had been placed on my account. I originally went to solve the matter with the apartment complex but they stated that they didnt have any paperwork to acknowledge the debt and that I should dispute it with the collection agency. The collection agency never reached out to me regarding this matter before attacking my credit report with false information. The collection agency is Sentry Credit and when asked to send documentation nothing was never received to prove that this debt belonged to me and that I owed them or signed any paperwork with this company stating that I would pay them any funds. I also went through the credit bureau to dispute this matter to see if they would send them the paperwork to prove this matter nothing happened. I feel this account should be removed from my credit report it is making it hard for me to take care of my family and have a roof over our heads. Sentry Credit there address is XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2020-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

Hello and thank you for taking the time to review the complaint. According to XXXX  XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.
Consumer complaint received 2021-06-03
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. (AZ)

Fraudulent collections on my credit report I have contacted collection companies and have no responses in obtaining any proof of the debt belonging to me and needs to be removed XXXX XXXX XXXX XXXX Collection opened XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello and thank you for taking the time to review the complaint. According to XXXX  XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

ou are in direct violation of several sections of 15 USC 1681.

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it
relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately.

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. I demand that you remove the following account
s : Credence Rm ( XXXX XXXX XXXX )
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (IN)

These people have reported a debt that is past the statute of limitations in Indiana. They reported this to the credit bureau as a new debt. Since when I look at the credit bureau it does not state this debt is from 2014 and past the statute of limitations for debt collection. Now they are trying to collect. Now my credit rating has gone down because of their debt collection practices.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I went to local branch and made a deposit for total of XXXX dollars in my business account money is nowhere to be found went to the branch spoke to a banker he called it in they are saying it will take 10 days to investigate the reciept is there it is banks fault Wells Fargo is not admitting they messed up either someone stole the money or this is how they do business I am being hit by bad business from my creditors because Wells Fargo goofed up
Consumer complaint received 2020-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

We refinanced our home thru XXXX and closed on this refi on the XXXX of XXXX. Our original lender Lakeview Loan Servicing refused the payoff from XXXX citing that Lakeview sent out our property tax payment to XXXX XXXX. I was not notified of any of this until the XXXX of XXXX, when Lakeview called me to tell me I was past due on my mortgage by 15 days. I called the title company, who then informed me that Lakeview had refused the payment due to it being sort XXXX dollars due to the escrow payment. The title company had sent out the property tax payment as well, and the county cashed that check, and returned the check to Lakeview. They are refusing to acknowledge this happened, even though the county verified that they did not cask the check from Lakeview. So they have been unwilling to do anything besides charge me a late fee and demand I continue to make payments to them. XXXX sent a check as a paydown, so that I didn't owe a late payment to Lakeview, in order to get all of this settled, but Lakeview has refused the paydown of XXXX ( the original payoff quote they gave the title company ). I do not know what to do, as I have a balance of XXXX owed to both Lakeview and now XXXX. XXXX has been trying to fix it but Lakeview keep refusing.
Consumer complaint received 2020-06-10
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion file . 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 2020-06-10
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: Experian Information Solutions Inc. (FL)

I have sent over documents to Experian to remove inaccurate information and well as inquiries on my report and they have not removed them even with all documents sent such as social security card and drivers license and FTC report
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

I called Citi in XX/XX/2023 for a retention offer for my Citi premier card. I was told over the phone I would get a {$95.00} statement credit and XXXX Citi points if I spent {$1000.00} on my Citi card within 3 months. I spent {$1000.00} within 1 month. Citi still hasn't given me the statement credit or the points, they are claiming I only spent about {$300.00} which is completely not true if they just used a calculator and added up my charges. It is ironic that a bank can't even do math.
Consumer complaint received 2018-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a savings account with Bank of America with my Mom. She has a separate bank account which I would handle for her because I have Power of Attorney for finances and healthcare. My  Mom passed away in XX/XX/XXXX. I talked to the bank and I had questions on the paperwork they sent me. My Mom has no estate. I received her bank statement yesterday, XX/XX/XXXX, and they are charging my Mom maintenance fees now that she has passed. I called and tried to get these fees removed today, but I was transferred around, put on hold for half an hour, then spoke to a man who said he couldn't help me. I told him I would report him to you and he did not care. My name is on this checking account as heir in case of a death. I am on a savings account with my Mom. I have checking accounts with this bank too. I am seriously considering closing these accounts based on the treatment I have received which is unacceptable.I need to get the fees removed and this account closed. Bank of America has not been helpful through this whole process when I am going through so much grief. I need assistance.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am formally filing a complaint against the three major credit bureaus, XXXX, Experian, and XXXX, for their failure to investigate inaccuracies on my credit report regarding XXXX XXXX XXXX, despite multiple attempts on my part to rectify the situation. Enclosed with this letter are copies of my credit reports from all three credit bureaus, which clearly indicate the erroneous information associated with XXXX XXXX XXXX. Despite my repeated efforts to dispute and correct this misinformation, none of the credit bureaus have taken the necessary steps to investigate and rectify the issue.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (FL)

I, XXXX XXXX, consumer, demanding Navy Federal Credit Union to comply with Federal law 15 U.S. Code 1692g ( b ) - Validation of debts.

In addition, demanding Navy Federal Credit Union to produce such agreement ( s ) the allege debt is arising from, If Navy Federal Credit Union can not provide such agreement ( XXXX ) Navy Federal Credit Union shall be liable under 15 U.S. Code 1692k - Civil liability. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Possible Financial Inc (TX)

I was trying to accept a {$50.00} loan but Im getting a error message from the company and I emailed possible Loan and later on today they replied back to me and said my bank account ending XXXX was blocked by third payment party and I never did business with that company and I believe someone hacked into my bank account and I fixed it with XXXX and I need a loan so I can fix my credit
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (NM)

In XX/XX/2019 my checking account at Navy Federal Credit Union was closed due to charge off, the XXXX dollars I owe is primarily due to bank fees from Navy Federal. The multiple {$29.00} charges were due to XXXX trying to process payments on my account. The funds were not available, but XXXX never received the money they were attempting to collect, and Navy Federal never issued them payment. So I was not over drafted. That was until Navy Federal started processing fees for ebays attempts. Then I stated to receive overdraft fees on top of the fees for the attempted account debits. Navy federal kept my savings account open and I was using it to deposit and cash checks that I receive. Well with out any warning or notice they decided to keep my last check deposit to collect for their fees. I have no access to the details because they have locked my account online and through the app. So I can not even see what I owe in total for exactly! Since I had been allowed to cash checks since the closed checking account I had no idea they would keep all of it.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-10
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)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANRUPTCYDISMISSEDXXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, have violated my rights. 



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 an 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 2020-06-10
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)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANRUPTCYDISMISSEDXXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on one bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in XXXX and it said it was open in XXXX. I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from two different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I received a notification from XXXX, XXXX, Equifax that collection from XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, XXXX and Equifax to delete collection immediately or I will be suing within 30 days.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (CA)

I applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.