davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

First Citizens Bank did a construction loan in XX/XX/XXXX for XXXX and XXXX XXXX. I did the grading for their new home which was completed in XX/XX/XXXX. I filed a lien with the XXXX County Clerk of Superior Court on XX/XX/XXXX. 

XXXX XXXX, Manager at First Citizens Bank ( XXXX, NC branch ) managed to facilitate closing this loan with the lien attached that has not been satisfied. XXXX, XXXX and XXXX had knowledge of the lien prior to closing the loan. 

I was told by a loan officer at First Citizens in XXXX, NC that a loan could not be closed with an outstanding lien. So, why have I not been paid? 

I suspect that XXXX XXXX ( homeowner ) has committed the fraudulent, felony act of forging my signature on a XXXX XXXX and XXXX XXXX ( banker ) has made attempts to conceal it. He has even asked a former co-worker to sign a non-disclosure agreement when she resigned from First Citizens Bank. 

It should be noted, the general contractor also filed a lien and perfected it with a lawsuit which is pending in XXXX County Civil Superior Court. I consulted an attorney about perfecting my lien with a lawsuit, but I could not afford to proceed with civil action. 

Regardless of what has taken place, I just want to be paid for the work that I did for them.
Consumer complaint received 2019-07-09
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. (TN)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX XXXX. I didnt have a choice as this was a dire situation. Anytime you have a XXXX XXXX emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I have tried to resolve this problem with the collection agency XXXX, Navy Federal Credit Union, and XXXX. Everyone wants to blame the other. The account has been paid and should reflect a XXXX balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.
Consumer complaint received 2019-09-19
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. (FL)

I received an alert from XXXX XXXX that I have a 30 day missed payment from XXXX XXXX. I am unaware of any business dealings with this company and wished to dispute this information on my credit report. I tried to initiate a dispute online and was unable to access my report to due this.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (FL)

THE ACCOUNTS BEING DISPUTED HAS BEEN HINDERING MY CREDIT FOR QUITE SOMETIME NOW. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY ACCOUNTS WHEN THEY SHOULD BE OFF MY CREDIT. PLEASE SEE THE ATTACHED RECEIPT FOR ONE OF THE ACCOUNT THAT WAS PAID IN FULL BUT IS STILL REPORTING NEGATIVELY ON MY CREDIT. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2019-07-09
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. (TN)

Equifax and XXXX are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX pains. I didnt have a choice as this was a dire situation. Anytime you have a life threatening emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2019-07-09
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. (FL)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.
Consumer complaint received 2022-05-06
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. (FL)

My XXXX XXXX XXXX Credit card showing up as unknown payment history, unknown account status, unknown credit limit on my Experian Credit report but 2 months ago it said exceptional payment history and a XXXX dollar limit. I used the card every week since XX/XX/2021 and paid off everything as soon as they posted to my account. XXXX XXXX XXXX is saying they don't know why Experian is saying that because I have no balance and no one at Experian ever picks up the phone. It always says no one can take your phone call. I did a dispute with Experian and they said they aren't changing anything. Two months ago this dropped my credit score by XXXX points. I can't see my XXXXredit score on XXXX or XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Associated Credit Services, Inc. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (UT)

SinceXX/XX/2019 I have been receiving calls from " unknown caller '' I don't normally answer calls from " unknown callers '' because they dont have a number they are calling from, a lot of times in the past they have been a fraud call or something trying to steal money. I have been receiving XXXX calls a day since XX/XX/19 from the Unknown caller, this morning I decided to answer it. I answered with who is this? a female answered and said " is this XXXX XXXX '' I again said who is calling, she would not tell me until i finally said yes this is XXXX XXXX. She told me she was calling from Commenity Bank, for XXXX and XXXX, a credit card I have. I told her she can not be calling me from a blocked number, or an unknown number, that their calls must come from a number I can see and return the call. Her response to that was that its my " XXXX '' showing the number as unknown, I have never had this happen in the past, if someone is calling my phone doesn't know it always shows the number they are calling from without a problem. Please help with this problem, credit card companies should not be allowed to have their numbers show as unknown, they have never left a message or anything with the XXXX calls they have made to me since XX/XX/19.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

Our mortgage was sold to this company called Fay Servicing based in XXXX IL. Our mortgage was originally with XXXX and was sold to Fay servicing. The amount of our mortgage payment with XXXX was {$1600.00}, and has steadily grown over time to its present amount of {$2000.00}. This is way more than we can afford and was wondering as a consumer what my next step would be. I have heard that this Company is in a class action lawsuit for their illegal practices. I am struggling to get the funds together to pay the {$15000.00} they were asking for last week, they called today and said they needed {$20000.00} to save my house from foreclosure. That's {$5000.00} more in one week, how can they do this? Please tell me what rights I have as a consumer if any.
Consumer complaint received 2020-12-22
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2019-07-09
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. (CO)

XXXX  and Experian are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (FL)

Cancelled membership in XXXX 2019 and notified company by phone call and mail to STOP taking money out of my bank account after XXXX 2019. I'm owed a refund for any months taken without my consent after XXXX 2019 2019
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

I lost my job and was unable to meet my obligation to Synchrony bank, charged off the XXXX XXXX card and had it placed in collections. After waiting until the check cashed, I called onXX/XX/19 to get a paid in full letter. To my surprise I was told that I placed a do not contact order so they can not send me a paid in full letter until I sent them a letter via fax or US Mail. I faxed the letter on XX/XX/19. Never heard back from or received a letter. Called back on XX/XX/XXXX to inquire and was told they never received my fax and I would have to do it again. So I sent another fax to them along with the original fax and conformation. I was told they would fax me the letter by by today XX/XX/2019. The fax did not come. I can not seem to get this company to provide me with a paid in full letter no matter what I do.
Consumer complaint received 2019-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Armed Forces Loans of Nevada Inc. (VA)

I have been a customer of Armed Forces Loans for a period starting on XX/XX/XXXX until XX/XX/XXXX. I was never late in the beginning I could refinance my loans after I reached a certain point of paying my loan down. I had a disagreement with two of there employee 's and since that time I have been denied for several different reasons why I could reapply this has gone on for at least two years every time they denied me. They have totally blocked me from getting any loans based on my credit I had the same credit the first time I applied I have a 5 year history with this company now I the bad guy. I know they have violated my Constitutional and Civil Rights by discriminating against me with false reason. There next denial was today after they told me I had to wait until XX/XX/XXXX which was a year long wait to just apply.
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (AL)

IMMEDIATELY WHEN I FOUND THAT MY CREDIT WAS BEING ILLEGALLY USED, I CONTACTED THE CREDIT BUREAUS TO HELP ME WITH THIS ON XX/XX/2019. THEY PROMISED TO INFORM ALL CREDITORS OF MY SITUATION. MIDWEST RECOVERY IS THE ONLY COLLECTOR WHO HAS FAILED TO RESPOND TO THIS URGENT MATTER. I HAVE CONTACTED THEM BY LETTERS AND BY PHONE REQUESTING REMOVAL OF THE FRAUDULENT ACCOUNTS AND HAVE BEEN IGNORED. ON XX/XX/2019 I SPOKE WITH XXXX XXXX IN MANAGEMENT AND SHE FAILED TO COMPLY WITH FCRA AND HIPPA LAWS AFTER THE MATTER WAS BROUGHT TO HER ATTENTION. MIDWEST RECOVERY IS IN VIOLATION OF FCRA 617,616,621,615,623A ( B ) ( 2 ) AND SECTION 605b OF FCRA LAW. TO MY UNDERSTANDING THEY SHALL BE SUED BY, FTC OR CONSUMERS FOR THESES VIOLATIONS FOR {$3900.00} PER INSTANCE. I DO NOT OWE MIDWEST RECOVERY ANY DEBT. MIDWEST RECOVERY HAS NO CONTRACT FOR DEBT WITH ME AND HAVE BEEN NOTIFIED AS TO WHAT THE BEST PROCEDURE FOR IDENTITY THEFT BUT REFUSED TO COMPLY WITH HIPPA/FCRA/FTC LAWS.
Consumer complaint received 2019-07-09
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. (CO)

Equifax and XXXX are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp (CO)

I have been contacted by Alpha Recovery Corp. claiming I owe them {$4300.00}. 

I have been repeatedly harassed by them despite making it clear I do not owe this debt. I legally vacated my Apartment in good standing. Under Colorado state law I am entitled to request they cease contacting me and have not done so. 

I informed XXXX I was vacating on XX/XX/XXXX due to their breach of lease by failing to address basic maintenance issues, filth and allowing the energy company " XXXX '' to monopolize the parking, idle at all hours and engage in work and staging activities by their hundreds of employees occupying the building. 

On XX/XX/XXXX without prior noticed they illegally entered my apartment and locked me out.
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (KY)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-12-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

See Complaint #XXXX >> USAA cancelled my card -XXXX because they said it was "compromised". I was told a new one was sent. After a month I have not received. I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX and supervisor XXXX would not continue to resolve this problem.    I was finally able to reach the agents both XXXX and supervisor XXXX each of whom did not bother to listen to the problem. We have been sent a replacement card, but it is the card -XXXX which had not been compromised and is still valid. I had been very explicit that the card -XXXX in the name of XXXX XXXX had been cancelled, was supposedly replaced, but we had not received it. So, by not listening, these two agents instead had the wrong, still active card - XXXX sent us as a replacement and still the card -XXXX has not been replaced and is now voided.I also got a telephone call from someone at USAA "business" something, but this woman did not leave a return telephone number.
Consumer complaint received 2019-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

XX/XX//2019 - I sent a letter to the Dept of Ed/Navient requesting the original instrument of indebtedness in its entirety to validate the debt obligations that are reporting 8 times on my credit. 4 accounts show current and 4 show closed. I received back the first page of a master promissory note. The other 7 pages are missing. There are no account numbers to verify the account numbers reporting on my credit. The single page master promissory note does not show the amount of the debt requested. I also received a computer printed balance statement of account.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (OR)

I did not receive this service, and my work signed me up for it without clear indication of a debt from this free program. I sent a letter 30 days ago to verify this debt with the collections company and they did not respond with any proof of obligation to this debt or that it is valid and mine.
Consumer complaint received 2019-07-09
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. (TX)

My complaint is with experian credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a sr and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people