davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-12-28
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. (AL)

Experian is reporting incorrect personal information such as my name and addresses. 
My name is or have never been the following : XXXX, XXXX, XXXX, XXXX I have never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is also reporting inaccurate accounts on my credit report - XXXX  and XXXX XXXX ; I have reached out to these companies and they have not responded to me. I'm trying figure out why is Experian reporting inaccurate information. These 2 accounts are not mine. 

Not to mention there are 15 inquiries that are not mine. Which tells me that someone has been trying to open accounts in my name. 

XXXX is reporting a XXXX account that does not belong to me. 

Please assist me with get this matter resolved. I need your help because Experian and XXXX along with the companies are not responding. I shouldn't be made to suffer something that I have no idea about.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (WV)

In XX/XX/XXXX, XXXX XXXX XXXX XXXX received written communication from me to cancel our membership in their vacation plan. I explained we moved to XXXX and could not use this membership anymore. I did not receive any information from them until XX/XX/XXXX stating this membership bill was sent to collections. I have since explained on the phone that my husband died in XXXX and everything was in probate. I was not going to pay this bill due to canceling our membership in XXXX nor now with the passing of my husband. They have put this collection on my credit report. I disputed it on XXXX, but it failed.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

i have a hard inquiry on my credit from JPMCB card i never authorized them to run my credit and i do not have any acknowledgement of this. I have contacted them and they have done nothing to help me resolve this matter, i have filed a report with identitytheft.gov
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

This account appears to be a charge off with a balance showing on my credit report in the amount of {$5400.00}. If it is a charge off, a dollar amount should not be showing. In addition, I have no knowledge of this debt.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (MO)

Regarding Navy Federal Credit Union : I am a XXXX year old retiree who has been a member of Navy Federal Credit Union for more than XXXX  years. 

Recently, NFCU changed their website. The " classic '' website worked well and provided information in a way that matched the monthly statements. The format matched typical financial records. The " new '' website does not do this and is difficult to use. For a period of time, NFCU left the " classic '' website available and members, including myself, used the " classic '' website while providing feedback regarding all of the problems with the " new '' website. Recently, NFCU took away the " classic '' website thereby forcing members to use the " new '' website.

I am very cautious with my accounts at NFCU because recently I was a victim of theft when a NFCU employee accessed my accounts and also the " password files '' and was able to transfer money from my accounts to themselves. It is now my practice to check my accounts on nearly a daily basis as well as receive text notifications regarding all transactions. 

Today ( XX/XX/XXXX ), I signed onto the NFCU " new '' website. I was shocked to discover that my checking account and debit card were missing XXXX  months of transactions. Based on the website, the last transaction on my checking account using my debit card was dated XX/XX/XXXX. As I save my receipts, I know that I made XXXX transactions using my debit card in XX/XX/XXXX and I also have made XXXX transactions using my debit card thus far in XXXX, XXXX. None of these transactions were showing on the " new '' website. 

Why aren't these transactions showing on the NFCU website? I repeat that I know that the transactions happened because I have the text notifications on my phone. How do I, or any member, monitor their accounts when the NFCU website is so far out of date? 

I discovered a similar problem with my XXXX credit card provided by NFCU. 

After XXXX  years as a loyal member of NFCU, I no longer trust this credit union. Even when they may " fix '' the new website, it is quite useless and nearly impossible to accurately balance one 's accounts due to the abbreviated format. Now, at XXXX years, I feel I need to find another financial institution, move everything from my NFCU accounts to new accounts, change all of my auto-payments and direct deposits. How many other people may find such tasks as daunting?

The purpose of financial websites is to provide nearly immediate information regarding any account. There is no excuse for my checking account to be missing all my transactions since XX/XX/XXXX. 

NFCU has a fiduciary responsibility to provide accurate financial information to its members XXXX XXXX XXXX. NO EXCUSES- THIS IS OUR MONEY! If that requires NFCU to maintain the " classic '' website while it tries to debug their new system, then that needs to be done.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Figliola & Romano, LLC (MA)

Figliola & Romano sent me a letter dated XX/XX/XXXX that I owe a {$1100.00} debt for XXXX XXXX. They said they are collecting the debt. I sent them a letter XX/XX/XXXX ' asking them to verify the debt per MA regulations. XX/XX/XXXX ' they sent me a letter saying they will send me validation of the referenced debt. Letter dated XX/XX/XXXX ' they sent me accompanied credit card statements of the alleged debt. I responded XX/XX/XXXX via letter that the credit card statements failed to validate the debt Pursuant to 940 CMR 7.08 ( 2 ), they did not oblige by sending documents ( a ) to ( d ) which in part entails documents must bear my signature - Documents provided to me did not bear my signature. Also they did not send the mail as first class as required by the regulations but by standard mail. I asked them to validate the debt as documents provided not sufficient. Instead of trying to resolve this matter w/ me,  they sent me a letter XX/XX/XXXX saying what they sent me validates the debt, thus they reject my request to further validate the debt as I still dispute it. And that they will no longer respond to any request to substantiate the validity of the death - this is unfair & deceptive collection practices per MA 940 CMR 35:00 ; especially during a current state of emergency due to the Pandemic. I even told them they in error mis reported me on my credit part but they refuse to listen to me.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (SC)

If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX XXXX that is unfair collection, reporting, etc practices.

I did not provide this company authorization to pull my consumer report, provide my consumer report to a third party, nor provide them any form of authorization to report anything on my person self. This is an invasion of my privacy and I demand they cease and desist of any form of credit reporting on me or my social security numbers.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (OR)

XX/XX/2024 - I received a call regarding payment, I attempted to move payment date due sudden loss, Payment date was not moved, attempted to talk about payment, I was berated the phone call, cut off constantly, hung up on. I attempted to contact them back no answer. 

XXXX Inquired about debt and ways to get it paid in a consistent in doable manner, was told the amount I wanted to pay wouldnt stop them from legal action. When trying to inquire about what that looks like, I was berated again, cut off. 

Im not able to get answers on my debt, Im not hiding or running from the company. Its like whatever I say to try to make something work, Im turned down. I have never been a situation like this before and Im looking for clarity. The more Im yelled at on the phone, Im nervous to contact them.
Consumer complaint received 2023-02-03
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. (NY)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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 2023-02-08
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NE)

After securing a loan for new vehicle we were presented with credit scores for myself and my husband from XXXX. Mine is XXXX and my husband 's XXXX. Granted I understand credit scores of spouses do not always match as male head of household tends to be the first name listed on debts, such as mortgages etc. However a discrepancy of XXXX pts did not seem normal, especially since I handle all our finances, thus I pulled his credit report for XXXX , XXXX and XXXX . Upon reviewing his credit report with XXXX I discovered a collection account for XXXX usd with CPA from XXXX and the names of XXXX and XXXX along with the phone number of XXXX attached to my husbands report. All of this information does not belong to us and has been disputed with XXXX under file # XXXX. 

I spoke with XXXX on XX/XX/XXXX and they confirmed the name of XXXX was linked to my husband 's credit report due to the collection from CPA # XXXX After speaking with CPA on XX/XX/XXXX ( XXXX XXXX XXXX ) they also confirmed collection in name of XXXX however, since they have my huband 's SS # in their system of XXXX it is up to me to prove my husband, XXXX, is not XXXX or XXXX and stated they receive information from their clients via XXXX, thus they are not responsible for my husband 's SS # being attached to name of XXXX. 

I proceeded with contacting the original creditor of XXXX at XXXX and they do not have my husbands name nor his SS # in their system, as well as our home address in XXXX. Any accounts under XXXX in their system all start with a SS # of XXXX. And the phone number of XXXX reflects an account for a completely different name. 

In addition this same situation occurred in XX/XX/2008 and I believe is to be with the same name of XXXX. Since at that time we applied for line of credit with local bank, XXXX, they handled the communication with they credit reporting agencies and I believed they told us XXXX has a similar SS # and DOB as my husband 's. I do not have a copy of the letters sent in XX/XX/2008 but do have copy of investigation results from XXXX confirming both collection accounts being deleted with XXXX account held by CPA. 

I do not believe this to be a case of stolen identity, but rather a case of data error and all fingers based on my preliminary investigation point to CPA as being the culprit of the data error.
Consumer complaint received 2023-02-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my credit score tremendously. I finally called XXXX XXXX  they acknowledged mistake and sent letters out to all XXXX Bureaus XX/XX/2024 to have removed. Equifax and XXXX took it off but dropped my credit score almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my credit score was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX XXXX  and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Accounts on my credit report that I didn't Open : XXXX. XXXX XXXX secret {$470.00} XXXX. XXXX XXXX  {$590.00} XXXXXXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$480.00} All the other accounts on my credit report were open by me. But there was also a lot of hard Inquires that were not done by me that needs to come off my credit report
Consumer complaint received 2023-05-08
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)

l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : XXXX XXXX pull on 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 has block or suspended my login to dispute. l have made a copied of notice. Experian hasn't responded or remove the deleted accounts. XXXX has the same inquiries and still waiting on response.
Consumer complaint received 2020-09-29
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: Mr. Cooper Group Inc. (TX)

Investigation took longer than 30 days and the credit report has not been changed. I have not seen records that purport what the company is saying. Please provide a recorded call log of my phone conversation when the chat of miscommunication took place regarding payments. 

Please also provide a written log of wording of what was said. 

Also provide call log of all the times I called and received unanswered responses and failure of call backs by the company to deny you're service was unattentive. 

Also provide a report on Mr. Cooper treats customers of all races in regards credit mishap forgiveness and credit embellishments. There may be a level of systemic bias in this matter that we are not seeing as to why  this company refuses to remove a credit mark when so many other companies can and will do so.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my self secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay XXXX XXXX secured loans and XXXX  Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2023, I was shopping at JCPenny and asked if I wanted 35 % off for joining the rewards program at checkout. As a college student I said yes, part way through I realized it was for a credit card, not a rewards program, I figured out once it was requesting approval for a credit card inquiry. I immediately stopped filling out the information and requested the cashier cancel that immediately she said she would push some buttons on her screen then reached over and ended up hitting accept on the customer pad I was using to fill in the information. One week later I received a letter requesting income information and that an inquiry had been made for my request of a JCPenny credit card which I never authorized or wanted. I have called 3 times, the first time the support agent said they would request it be removed from the credit bureaus, the second time the same thing happened, the third time they first said they couldn't find my credit pull, and application after 10 minutes they found it then said they would put in a request to remove it 1 week later I received a letter claiming the authorization and request for the credit card was valid. I believe the last one obviously on their system it would look valid. Still, all of the agents failed to understand I was not the one to hit authorize, that the cashier had tricked me by saying rewards instead of credit card then reached over and pressed authorize on my behalf while I was requesting she cancel it.
Consumer complaint received 2023-03-21
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-05-07
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: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX XXXX XXXXExpress reported a credit payment as late and dropped my credit XXXX down to XXXX pts. This credit account has been opened since XXXX and has never been late due to this one time due to having no access to online payment system with the company 's website. This creditor has violated my rights... 

In accordance to the fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.