davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

I contacted this company this morning about settling a debt for a hospital visit. I stated my only options for payment considering I am not currently working and therefore I do not make a pay check as of this moment so the payments would be coming from somewhere else. I conveyed this to the creditor and asked for {$15.00} a month payments and a letter sent to me verifying it. When I stated it would be paid by someone else who would not want their personal credit card in a collectors file, he told me they couldnt send me the letter. I asked why he stated they need it in file in order to agree. It is not that company nor any others place to demand such a personal private thing from others to be save in thier files from people not associated with this account. I made the attempt and this creditor refused to cooperate. 

Creditor : PENN CREDIT CORPORATION ID NUMBER : XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX P.A. XXXX THIS COMPANY REFUSE TO COOPERATE WITH ME ON GETTING THIS BILL FINALLY PAID TO AVOID GOING ON MY CREDIT. I AM FILING A COMPLAINT UNDER THE BEST OPTIONS YOUR COMPANY HAS ALLOWED ME TO CHOOSE FROM. PLEASE HELP. I REALLY WANT TO SETTLE THIS DEBT BUT THIS HAS TO BE ON MY AFFORDABLE TERMS CONSIDERING MY CIRCUMSTANCES WITH THIS INJURY. 

PLEASE HELP. 

Thank you for your time and efforts on this very important matter.
Consumer complaint received 2019-07-25
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)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX  XXXX XXXX ( two trade lines, the same creditor )
Consumer complaint received 2019-07-25
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. (CA)

Thedateoflastactivityisincorrect.Howcanthisaccountbechargedoffanditstillshowingaremainingbalance!Whydoallthreecreditbureaushavedifferentaccountbalances..Ipaymyaccountsonamonthlybasis.WhattheyreportiscompletelyINACCURATE,INCOMPLETEANDUNVERIFIABLE.NotonlyCreditBureausviolatedfederallawbynotproperlyinvestigatingwithintherequiredtimeframe,includingNegligentEnablementofIdentityFraud..XXXXXXXXXXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC (TX)

XXXX XXXX XXXX has repeatedly contacted my mother and brother about a debt they said I owe. They sent me a text on XX/XX/2019. I replied STOP. They then sent my brother the same text. I called the company at XXXX and tried to explain that I want them to cease and desist contacting me. I asked for the mailing address so I could send the information in writing and they refused to provide it, I was hung up on three times when asked. The agents will not give out anything but a generic name, no agent Id or last name. One woman told me okay I removed all your information and she would send me an email with what I was requesting. She then sent me an email telling me to opt-in and that I am consenting to receiving ongoing private and personal electronic information. I called the number on the email XXXX and spoke to someone named XXXX, he stated that he had removed all my numbers. I am not sure if that was the truth, he at first told me he didnt have an agent iD, then that he couldnt give out his last name, then he gave me an extension XXXX. Which doesnt mean anything, I called back to check.
Consumer complaint received 2019-07-25
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX  XXXX ; XXXX XXXX XXXX XXXX ;
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (FL)

I have disputed an account with Experian that is being shown as current when it was really closed in XX/XX/2013. They finished their dispute and have left the account open. It is materially effecting my credit. 

The account in question is with XXXX for {$16000.00}. I have reached out to XXXX and they have provided a letter stating it was closed in XX/XX/2013. 

Please help in getting this removed from my report. 

Thank you XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Experian and XXXX had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both XXXX and XXXX   have failed ( thus far ) to provide us with these mandatory corrected reports.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

XXXX and Equifax had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both Equifax and XXXX have failed ( thus far ) to provide us with these mandatory corrected reports.
Consumer complaint received 2019-07-25
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)

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-25
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. (FL)

After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to me .These account has missing information there for they are not 100 % accurate reporting, there is no information on who is reporting these account or the allege debtor : ( XXXX ; XXXX ; XXXX ). 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account., I'm requesting these account to be removed from my credit because they are no mine.
Consumer complaint received 2018-05-21
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. (WA)

Equifax posted a account on my credit report that doesn't belong to me and which has not been verified. XXXX XXXX XXXX under the direction of XXXX submitted and alleged debt that I owe without giving me proper notification. I was never allowed to review this alleged debt to see if I was the correct person it who owed it or if it was a situation of fraudulent activity. XXXX XXXX XXXX stated that it sent to my address a debt letter, but the address they sent the letter to was an address that I moved from in XX/XX/2012. I have moved three different times since I lived at the address they claimed to have sent their debt letter. I am currently a XXXX customer, whom have my current mailing address. There is no reason why there could be a mix-up in my current address. Again, I am denying that this debt belongs to me and I am asking that it be removed from my credit report immediately.
Consumer complaint received 2018-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX  XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX XXXX Acct # XXXX
Consumer complaint received 2022-10-06
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. (NV)

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 U.S.C 1681.

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date opened:XX/XX/XXXXAccount balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX Phone number 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the 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 an accurate.
Consumer complaint received 2022-10-06
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Balance : {$55.00} XXXXXXXX XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

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  These accounts listed have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Uber Technologies Inc. (MO)

XX/XX/19 - I made an online purchase to place credit on an Uber card for {$48.00} XX/XX/19 - Additional charges started appearing on my charge card ( {$48.00} + {$24.00} + {$24.00} + {$24.00} = {$77.00} ) XX/XX/19 - I attempted contact Uber. Received a recording that saidn I needed to go to their online service ( XXXX ). I sent an e-mail ( XX/XX/19 @ XXXX XXXX ) requesting assistance to resolve the above matter. 
XX/XX/19 - Additional charges started appearing on my charge card ( {$24.00} + {$24.00} = {$49.00} ). I called my bank, had my charge card cancelled and requested they investigate the fraudulent charges. 
XX/XX/19 - no response from Uber. No phone numbers to contact them. Totally unacceptable for a business in the US to have no means of contact with the public to resolve such matters. No excuse for them not to return a requested call for this type of problem -- it's as if they don't care about the {$120.00} fradulently charged to my credit card.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello, last week I attempted to log into my Navy Federal Credit Union account to perform routine duties in my corporate account. This is a business account that is held under a corporation. I was 1 ) locked out of my account, 2 ) when i called was told I couldnt use my account due to a personal debt 3 ) told I couldn't use my funds to make payment towards a personal debt because of security 's guidelines 4 )  was then told that money belongs to Navy Federal and not me ( XXXX in Security told me this ) 5 ) was hung up on twice by XXXX 6 ) nowhere in any of your disclosures does cross-collateratization come into play on corporate accounts 7 ) " XXXX '' refused to transfer me to a supervisor or give me her supervisor 's name 8 ) " XXXX '' specifically said the funds in the corporate account belong to Navy Federal and no longer belong to me. In actuality, they belong to the corporation and not myself or Navy Federal Credit Union. These funds are held by a corporate entity. Its not a sole proprietorship. Its a corporation. This is a gross violation against Navy Federal Credit Union 's 2016 consent order with the CFPB and I demand those funds be released immediately. I've even made payment arrangements on all of my personal accounts and fully resolved 2/3 of these accounts. I've even gone to length to make payments arrangements on the final account and gave them money towards the debt. When made the attempt to make arrangements with " XXXX '' in Security of {$9000.00} towards the last outstanding personal debt, her response was, " ... .but there's {$15000.00} in that account ''. Shortly after that she hung up on me. " XXXX '' also refused to This has cause my corporation a hardship as that account is used to pay my agents their commission. Nowhere in NFCU 's disclosures or terms, can NFCU leverage a member 's corporate funds to cover a personal debt. This is gross negligence, abuse of authority and predatory on the behalf of Navy Federal Credit Union and I'd like to move forward with filing a formal complaint against them. 

I've even gone to lengths to try and mediate this by reaching out to NFCU 's CEO without a response. 

Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts, said CFPB Director XXXX XXXX. Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so.
Consumer complaint received 2019-07-25
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union has charged off the debt and continues to report the debt as past due ; even though they have claimed it as a loss on their taxes and received credit for the past due amount. I have disputed this several times and they refuse to remove the past due amount from reporting. They have even tried to increase the amount owed! I want the past due balance removed. Companies can not simply write off a debt and continue to try and collect it once they have received a credit for it. Therefore, they need to remove the past due amount.
Consumer complaint received 2019-07-25
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. (PA)

On XX/XX/2019 I wrote to various lenders who were mostly authorized ONLY to pull what they had all agreed was a SOFT pull which would not be reflected. Others fell under the XXXX XXXX application which trickled down more lenders who claimed upon my phone contact to them that their pulls were soft. Amongst the lenders was XXXX XXXX XXXX who promised the pull was soft. After communicating with the manager, he said it was a mistake and it was too late. Because he did have a car of interest, he said that he could use his ALREADY EXISTING inquiry to get me pre-approved. He never disclosed that it would create more pulls or that they would be hard pulls. He was very much aware of my not being agreeable with any hard pulls. So this dealer trickled more hard pulls through his sub-lenders. Since they were hard pulls generated, none of it was with my authorization.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Numerous calls, from different numbers, before and after XXXX XXXX, and on Sundays. They don't leave messages and refuse to give any information without me giving them my name. They are fishing. I don't want my name in somebody's system without knowing who and why! They're calling me. They claim to not have a do not call list. The company is Portfolio Recovery.