davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

Started with Suntrust bank opening an account with someone with my same name then BB & T opening an account from internet application this all started when suntrust and BB & T merged as truist. 4 years ago i had a car loan with suntrust so it is just to coincidental for me. I want a letter from both banks stating accounts are closed and that someone needs to look into the policys of opening up accounts via internet. easy identity theft and why do they not require a valid photo ID for uploading on the web sites.I thought it was a goverment law you had to show 2 forms of valid IDs for identification.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

This company XXXX XXXX XXXX is trying to collect a debt of {$500.00}, I called them and I called my insurance, both sides told me the hospital didnt do their part and didnt sent the right paperwork for my insurance to paid it. And now they are trying to charged me something I did no owed, it was their job to send my insurance the right paper work and they still havent done it.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on XXXX & TransUnion on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( XXXX  ) XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks *Credit Technologies : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXX XXXX XXXX *XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX  *XXXX  : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Banks XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks ( TRANSUNION XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Dc : XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX XXXX XXXX our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get loancare on the phone. 
lakeview loan servicing has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XXXX. 
please help us as we can not get another loan for a house b/c of what loancare ( now lakeview ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c loancare was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (CA)

This account was opened more than 6 years ago and it is showing as being opened in 2020. This account is falsely re-aged which is a violation of FCRA rules and regulations.
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.
Consumer complaint received 2019-08-02
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. (OH)

My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.
Consumer complaint received 2021-06-15
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: Navient Solutions, LLC. (FL)

The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by SalleMae. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (FL)

On XX/XX/XXXX, reached out to Swivell, Inc., Capital Mortgage of Texas since I have a closing on my property located in XXXX Florida. When I spoke with Customer Service requested to get a Release and satisfaction of the mortgage on loan # XXXX since the loan had been already paid off on XX/XX/XXXX. I was transferred to the person in charge of Release XXXX XXXX and all I got was a voice mail, left several messages on XX/XX/XXXX and XX/XX/XXXX, and sent a text via chat on their website and as of today, have no heard from anybody nor received a release of the mortgage that was paid off. The Title Company that is working on the closing also faxed them a request for the satisfaction of mortgage and called XXXX and spoke with someone by the name of Mr. XXXX and no one has responded back to her. I want the Release of the Mortgage. Just wondering why they do not want to release the mortgage that have been paid. Is highly questionable why the do not want to release a mortgage that has been paid in full.
Consumer complaint received 2019-08-02
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: EQUIFAX, INC. (WA)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX, XXXX .. CFPB step up please and remove these inquiries which were done without my authorization
Consumer complaint received 2021-06-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I was notified that that my credit report indicates that I had a payment past 30 reported today. Last month I received a letter from Carrington Mortgage LLC that I did not make my XX/XX/2021 payment. I did make my payment, but Carrington Mortgage incorrectly applied it as a extra principle payment. I called them XX/XX/2021 to get the issue resolved and they told me it would be fixed. Today I received a notice from the credit bureaus that it was report as a late payment. My credit was above 800 and excellent now it's fair and below 800 and I'm in the process of refinancing my other home. Mortgage companies should be held accountable for their mistakes and negative impact it has on consumer 's who have excellent track records in their payments and paying their bills. This whole issue is a direct result is a direct result of their errors and they not taking responsibility for their negative and harmfully actions.
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (CA)

Disputed address with Experian, never lived there, instead of deleting they Updated it! 
its the same address. Report Number : XXXX Date Generated : XX/XX/XXXX What was the method of verification? 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited a check in XXXX for XXXX.dollars that a friend had gotten on a sale of a tractor that we both owned and sold. Went to use my debit card and they said it's frozen till they investigate the deposit. Needless to say I still haven't gotten aby of my funds. I have XXXX and can not get to the bank for its 40 miles there and 40 miles back. My drivers license burnt when my room caught a fire. 
My brother has an account with the bank .if they would just transfer the money into his account. 
This is Capital One
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. Please help
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, TransUnion indicated they could not identify me, and XXXX simply rejected my request with the same response " We could not identify you. '' TransUnion sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA Real-ID Drivers ' License and my social security card. 

No response. I really need to get these credit reports.
Consumer complaint received 2022-07-07
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX 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.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

In XXXX of 2021 I tried to purchase material using funds from my paypal merchant account to cover fees and purchase for my small business. Paypal denied the purchases with no explanation. I then tried to transfer fund to my approved account for the same purchases. Paypal sent me a notice that all my funds were on hold for 180 days. After the 180 days, my funds were to be available. On XX/XX/2021, with no explanation, paypal stole my account balance and classified it as payment to cover their fees and damages. They stole {$2000.00}. They won't let me submit a resolution claim for the fund they stole after I tried to make a purchase nor will they give me an itemized receipt of the alleged fees they have charged. It seems predatory that they only charge the balance of my account for their fees after promising to release the fund within 180 days from the initial attempted purchase.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (UT)

EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.
Consumer complaint received 2017-06-01
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. (MO)

I requested a copy of my experian credit report and notice several inquiries that I did n't authorize. I also had a breach with  XXXX , but they rectified the problem immediately. I wrote a letter to experian explaining to them that someone was inquiring about my credit report without any consent from me. I was advised by experian that I had to contact the creditors directly and advise them of the unauthorized inquiries and they will notify the credit bureaus and the inquiries will be removed. I wrote each and every company that inquired ab out my credit file without authorization from me, it has been over 60 days and I still have not had any reponse. In the meantime I also aquired a police report as this situation is causing great harm to my credit score an d making me not credit worthy. The inquires are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (SC)

I received notice from XXXX XXXX that I had a negative report from a collection agency called Credence Resource Management for {$740.00}. I called them and found out that the collection effort was given to them by XXXX XXXX XXXX. I informed them that I had no such debt, and that I had not lived in Florida for 10 years, and did not recognize the address of the XXXX XXXX XXXX service. Credence said that they would send me a package to complete and send back. Interestingly, the social security associated with the debt was my social security number.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union ( NFCU ). With this dispute I provided documentation and evidence I returned the vehicle on XX/XX/XXXX to the XXXX airport. NFCU declined to investigate this incident, refused to consider the documentation and evidence I provided, and simply deferred to the merchant. I appealed this decision and asked them for a copy of their investigation and the documentation used to arrive at this decision. NFCU provided me with no investigative report and no evidence any investigation occurred -- the only documentation referenced in the determination of their decision was the Merchant Rebuttal from XXXX. 

I have photos of the vehicle returned to the XXXX airport, clearly showing the location as XXXX airport, time stamped at approximately XXXX XX/XX/XXXX, and marked with GPS coordinates from the phone used to take the photo indicating the photo was taken at XXXX airport . I have photos of the receipt for the gas station to fill up the car before returning it to the airport. I have evidence of my flight activity showing I departed Florida days prior to when XXXX claims the vehicle was returned. XXXX, to my knowledge, has provided XXXX  evidence their bill reflects an accurate or reasonable reflection of the services rendered to me. I provided all of this evidence to NFCU, however they refused to reconsider their decision or even reopen their investigation. 

After much back and forth with XXXX, they eventually acknowledged a discrepancy and revised the charge for this rental to {$200.00}. However this amount is still far above what I expect to owe, and NFCU provided XXXX assistance or independent effort to understand or correct this error. 

I feel doubly cheated, first by XXXX for this billing error/fraud, and second by NFCU for refusing to investigate and take action on this billing error/fraud. And to add insult to injury, neither company will provide reasonable explanations for their decision making process or justifications for their ( in ) actions.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX 12 XXXX XXXX BANK XXXX XXXX XXXX account # XXXX XXXX XXXX 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 this is stopping me from getting an apartment, job an continuing my life
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR NAVY FEDERAL.

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW XXXX HAS DECIDED TO REPORT THE FRAUDULENT NAVY FEDERAL REVOLVING ACCOUNT.

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.