davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I am writing to file a complaint regarding an unfulfilled savings bonus offer from PenFed Credit Union. 

In XX/XX/XXXX, I signed up for a new savings account with XXXX, motivated by their advertised savings bonus. The terms of the offer, as I understood them, were as follows : A savings bonus of up to {$750.00} would be awarded. 
To qualify, deposits must be made by XX/XX/XXXX, and the account balance must be maintained from XX/XX/XXXX, to XX/XX/XXXX. 
A bonus of {$150.00} would be awarded for every {$10000.00} deposited. 

I opened the account on XX/XX/XXXX, and deposited {$50000.00} by XX/XX/XXXX, exceeding the minimum deposit to qualify for the maximum bonus of {$750.00}. I maintained this balance throughout the required period, until XX/XX/XXXX. ( Last XXXX digit of account XXXX ) Despite fulfilling all the requirements of the offer, I have not received the promised {$750.00} bonus. I have contacted XXXX customer service on multiple occasions to inquire about the missing bonus, but they have not been able to provide a resolution or explain the reason for the delay. 

I am requesting that PenFed Credit Union honor their advertised offer and credit the {$750.00} bonus to my account as soon as possible.
Consumer complaint received 2023-03-14
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. (AZ)

I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.
Consumer complaint received 2023-07-28
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$68.00} ; XXXX XXXX XXXX XXXX : {$26.00} ; XXXX  XXXX XXXX XXXX : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX : {$470.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$880.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; DEPT OF EDXXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-10-16
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: Resurgent Capital Services L.P. (AR)

I 've been trying to repair my credit and got a notification that there was a collection added to my report. I attempted to contact the number listed but to no avail. I contact the credit card company that it had associated it and they sent a letter saying that they are n't obligated to give any information. 

I then sent a letter to the collection agency LVNV and they are n't responding. I 've also disputed this through XXXX XXXX XXXX on XXXX and they still have n't responded as of yet. 

Please assist.
Consumer complaint received 2023-07-28
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-07-28
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XX/XX/2023 {$1900.00} I see this debt on my credit report and i told the company that it does not belong to me and I still see it up there. I never recieved a letter to attempt to even collect the debt.
Consumer complaint received 2021-12-19
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. (PA)

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( 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 the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
EXPERIAN XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Account : XXXX XXXX XXXX Account # : XXXX This particular account isn't reporting to my Equifax credit report but reports to XXXX and XXXX. Please update right away.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (MS)

I recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My debit card is also a credit card I keep getting overdraft fee late payment fee XXXXevery month I never signed for credit card only debit card from bank of America my income and spending and beganing and ending balance don't match my online statement every month in XXXX  I was overdrafted and charged XXXXdollars overdraft fees.my monthly ending balance is not applyed to next months beganing balance for 2years now I have been loosing money with bank of America insufficient fund every month in XXXXand late XXXXthere are 31computer generated checks from XXXX XXXX payday loan all XXXX by bank of America XXXX dollars each paid from my account all 31.overdraft XXXX dollars each paid then overdraft I never signed for overdraft protection.bank of America has charged my account for many reason I have received a couple refunds because of fraud to my account by bank of America I have most of evidence to show fraud by bank of America
Consumer complaint received 2022-12-26
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 



1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate the late payments. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6.XXXX Account Number : XXXX 7. XXXX XXXX Account Number : XXXX 8. XXXX  Account Number : XXXX 9.XXXX  Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am have not received written notification of this debt. Nor am I aware of this debt owed to this company. I dispute the information that Portfolio Recovery Associates has supplied credit bureaus XXXX, XXXX and XXXX as inaccurate and or incomplete.
Consumer complaint received 2023-02-02
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. (PA)

My name is 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.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am currrently working on my Credit to purchase a home, I went on to all XXXX credit websites and notice some accounts that were on my report that weren't me. I went on to dispute them and requesting that they send me a copy of the contract along with my signature all but XXXX of them were not removed. Which is portfolio recovery llc since then they have called and they have came to to my home and served my XXXX XXXX XXXX son with court papers. The papers state I'm being threaten to have my wages garnished along with putting liens on property. They also do not have any papers signed by me, They sent me statements from them to an account that was reported compromised long ago and closed. Also I have reported my Identity stolen twice already these harrasments should have stopped ... XXXX have called all numbers that are public domain and harrased a XXXX XXXX I no longer have. What can I do to end this harrasment.
Consumer complaint received 2023-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

On XX/XX/XXXX I repaid Navient {$93000.00} in a lump sum to pay off my private loans. To make this payment, I used money I received from a medical malpractice settlement that has permanently changed my way of life. Given the settlement with Navient in XXXX, I feel I am entitled to receive all of that money back as restitution for predatory lending practices. Those 4 loans had variable interest rates from 6.75-16 % and accounted for the majority of my student loan debt which is why I repaid them first. The Navient AG settlement gave full relief to anyone that had subprime private loans taken out before XXXX. My loans were taken out from XXXX. Not only did I attend a for-profit school that misguided me to take out these subprime private loans, but my college closed four years later, and my degree is essentially useless. In hindsight, had I known about the Navient settlement, I would not have repaid these loans in XXXX. I did what I thought was right at the time and am now suffering for it financially.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Paid my credit card bill on time. TransUnion is reporting it as late. I have proof that they are reporting it wrong. I would like to have the late payment removed immediately. It is delaying me from getting a home for me and my family. The credit card bill is due XX/XX/XXXX and I paid it XX/XX/XXXX.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account is showing it in accuracy of a late payment, and it should not be showing on my account because I was never late 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-05
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}.