davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 30 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service Company, INC (TX)

Attempted to dispute with company after they added 3 negative accounts to my credit profile and have not heard anything back from them. I've advised this is fraud via certified mail to the company. I have not been to a medical professional, doctor, or hospital in over 5 years
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Yesterday, XX/XX/2021, I C System reported a debt collection on my credit. I do not owe this debt. Today, XX/XX/2021, I called their customer service number, XXXX, and was given a reference number XXXX for my case. I asked them to provide me evidence that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. 

I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

My bank account got hacked along with my XXXX XXXX XXXX XXXX XXXX Navy Federal has closed down my account along with my funds. My phone got stolen and my wallet. They access my account along with someone elses account transferred funds from another members account took money from my account from another member also made numerous ways of transferring money to themselves and disputed charges getting money back on purchases that I have made navy federal has not been any assistant to me
Consumer complaint received 2022-12-01
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. (PA)

My name 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 2022-12-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (FL)

XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX & EQUIFAX:XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX & EQUIFAX:XXXX. 

In my first dispute with XXXX their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX  report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. XXXX an EQUIFAX are reporting this company XXXX XXXX XXXX. 

Now XXXX says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet EQUIFAX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. EQUIFAX is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.
Consumer complaint received 2021-09-24
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-12-01
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX  {$4900.00} CLOSED ON XXXX, 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 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 2022-05-04
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 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 XXXXtransunion has me at a score around 590. 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (NC)

XXXX-XXXX  previous number here is the recording of the supervisor admitting to violations set forth to protect the consumer. They lied about several attempts from me before me trying to fix this and I stated under the FDCPA they are in violation as well as I have disputed all of there stuff with the credit bureaus and sent the recording to them, to show they are in violation.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

On or about XX/XX/2022, I reached out to my mortgage servicer, Fay Servicing because I have several issues with my account that need to be resolved. The first time I called on or about XX/XX/2022, I was given the name of my XXXX XXXX XXXX and I was told he would return my call. 

Subsequently, every time I called Fay Servicing, I was told that he was " unavailable. '' I have many serious issues I have been trying to resolve, and although some customer service representatives have been helpful, I can not get all of the information that I need, and I am being told that my XXXX XXXX XXXX is the only one with the details that I need. 

( I redacted my XXXX XXXX XXXX XXXX name on the attachment because he is an employee, and I do not fault him ; I fault the company. )
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX  Account No - XXXX 1. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2019-10-16
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 — Was not notified of investigation status or results
Company: AFNI INC. (TX)

I received a debt collection letter from AFNI dated XX/XX/XXXX, regarding an alleged debt they claimed was mine. I submitted an email directly on their website requesting validation of the debt on XX/XX/XXXX. I received a response from their company a couple of days later stating they will contact me in writing with the results. On XX/XX/XXXX I received an alert from XXXX stating an account was added to my credit report from AFNI. I have not received any correspondence from them by mail or email. But yet they reported this on my file. I check my mail on a regular basis as well as my emails. As well as my credit report. Theyre obviously not taking consumer request seriously. Im beyond livid at this point.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

this account is owned by XXXX and was removed because it was a result of identity theft. and was included in my past Identity theft package it was sold to this agency by mistake. enclosed in the Identity theft package XXXX XXXX should be blocked from my credit file
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

I submitted a dispute for an old student loan, the dispute was resolved in the last week with a statement Completed investigation of FCRA dispute - consumer disagrees. without actually doing anything about the incorrect information. 

The loans in question were transferred from XXXX  to XXXX in XXXX. Experian has been reporting incorrect information since 2022. I uploaded an updated XXXX loan balance stating all loans were transferred. 

One can easily cross reference the new reporting by XXXX with the nelnet loans seeing that the original balance as well as the date of disbursement were the same. The reporting by XXXX started when the nelnet reporting stopped. 

Experian continues to report nelnet as open and without delinquency even though they have not received updates/payments since XXXX. 

I am trying to purchase a home and as a result of this poor reporting experian says I have close to XXXX XXXX XXXX in loans when that is not true. 

XXXX has reported correctly and XXXX updated their reporting after a dispute was submitted. As a result experians negligence it is in violation of FCRA and should be fined.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

On my credit report, I am now responding to XXXX XXXX with a balance of {$3100.00} due to a settlement and Now my updated balance is {$1100.00} and the Nicholas Fin reports are reflecting wrongfully on my credit report.
Consumer complaint received 2022-10-07
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: 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 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MO)

National Credit Adjusters is reporting an open account for XXXX XXXX. This account is not an open account, and it is an old account that has exceeded the Missouri Statue of Limitations.

National Credit Adjusters has also illegally re-aged this account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on my credit report. The DOFD should be the date an account became 30 days late and no other payments were made. Therefore National Credit Adjusters has illegally reported this debt as open and also re-aged this account significantly.
Consumer complaint received 2019-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I had my chase account hacked and a {$1000.00} payment was sent thru XXXX to someone I have no idea about. Chase initially helped me with it, but they denied the claim for citing 3 reasons ( no password change, device had logged in multiple times and IP was local-but it was not my computers ip ). 

As this is clearly FRAUD I should be 100 % covered, but they state that there is no appeal to their investigation ... no matter how flawed it may be. 

I see a LOT of fraud stores about XXXX, you would think that the banks would be smart enough to prevent fraud like this or have some sort of a safeguard in place. If not they should refund any stolen $ 's.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No - XXXX 1. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX 3. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

I sent discover a validation of debt and cease & desist letter on XX/XX/2021. Discover received the letter on XX/XX/2021. They only sent account " statements '' They never sent me actual validation of the DEBT. They violated me under the federal consumer protection laws. There are 5 requirements to validating debt under 15 USC 1692g.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX  XXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Please see identity theft report. Since earlier this year, I have CONSISENTLY disputed fraudulent accounts that are results of identity theft on my credit profile, with all 3 credit bureaus, and they HAVE IGNORED my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles!