davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

After living at XXXX at XXXX XXXX XXXX for over two years I suddenly started feeling sick and felt a weird sensation coming from the upstairs neighbor 's apartment. I often heard a rolling sound following me as I moved. I went upstairs and told my neighbor that something was making me feel sick in my bedroom and asked if she noticed it too. She said she wasn't sure of what it was. I also saw several maintenance men in her apartment, pest control, and they even replaced the carpet. 

During that time I started to having someone attempts to break into my apartment at night. My front door had two locks. One that is accessible from the outside and the other that can only be accessed inside. One night, while getting a drink in the kitchen, I noticed someone unlocking the bottom lock using a key. Thankfully the top lock was bolted and they could not gain access. I reported it to the apartment manager and requested that the locks be changed. The locks were changed, but the same thing happened twice again. All these incidences were reported to the XXXX County Sheriff Office. 

Shortly after the man downstairs, got sick I found myself in and out of the ER and the doctor 's office. The final event that frightened me so much, I knew I could not stay there any longer. On XX/XX/2018, at XXXX XXXX I was at work and I got a notice on my phone my personal camera detected motion. When I looked at the footage I say a maintenance man entering my apartment to replace an already clean AC filter. The apartment policy is that filters are replaced by the residents. After he walked into my apartment, he moved my camera out the way so I could not see what he was doing. Once I got home that day I started searching for a new place. 

Once I found a place I asked the apartment manager if she would let me out my lease citing the maintenance staff incident. She agreed and we both signed a document that ended the lease on One XX/XX/2018. I already paid the month of XX/XX/XXXX and left 17 paid days on the lease. The manager soon leases the property to a new tenant and I know this because I had to visit the property to retrieve a misdelivered package which was never found. There were moving boxes outside the apartment indicating that someone moved in. 

In XX/XX/XXXX, over a month later, I received a bill from the XXXX at XXXX XXXX for {$930.00} the remaining balance in XX/XX/XXXX ; knowing that it was being lived in by someone else. The account has since been placed in collections and my credit ruined because I refuse to pay for someone one else to live in that apartment. 

Enclosed I have a list of police reports provided by the XXXX County Sheriff Office and a photo of the maintenance man entering my apartment. I can also provide the video if needed.
Consumer complaint received 2024-03-07
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. (NJ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

If the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Failure to comply could lead to fines up to {$1000.00}. 
Please send me the detailed investigation procedures for : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (FL)

I tried numerous time to have two hard inquiries not authorized. One is with XXXX XXXX credit card offer sent in the mail. I already have a XXXX XXXX credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves Loan Depot pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (TX)

My son, XXXX XXXX XXXX, had a auto loan through PNC Bank, with his grandfathe, r XXXX XXXX XXXX, as a co-signer. On XX/XX/19 my son was in a automobile accident that took his life. My father, XXXX XXXX XXXX, gave PNC Bank permission for me to take care of closing the auto loan account. My son, XXXX XXXX XXXX had auto insurance and gap insurance which should pay off the entire loan amount. I contacted the auto insurance company and the vehicle was a total loss. The auto insurance company sent PNC Bank a check. I contacted PNC Bank and informed them of what had happened and spoke with a XXXX XXXX. She informed me that my son, XXXX XXXX XXXX had gap insurance and all that PNC Bank would need was my sons death certificate and the auto insurance check, then they would take care of everything else. I emailed my sons death certificate and reached out again to PNC Bank and XXXX XXXX and again she informed me that they would take care of everything else. In the mean time my father XXXX XXXX XXXX is getting calls that the vehicle payment is behind and his credit has taken a negative hit, though this case is pending insurance payments and is a total loss. I call PNC Bank, because XXXX XXXX won't return my calls, and am told, by XXXX, they never received a check from my sons auto insurance company. I inform PNC Bank, that I have a letter in my hand and it states that they have received a check from the auto insurance company. I am then told by another representative of PNC Bank, XXXX, that they don't reach out to the XXXX insurance company that we should. We were told that PNC would take care of it by XXXX XXXX. We then reach out to XXXX XXXX XXXX, where the vehicle was purchased, and they send us an email where PNC Bank has cancelled the XXXX insurance. Why would they do that and why did they tell us that they don't reach out and contact anyone. It's lie after lie and why are we taking care of this companies leg work. Why aren't they trying to close this account out? Are they just trying to accrue more interest? Why are we doing the loan companies job? Their client is deceased and they have a copy of his death certificate and they had the nerve to ask us to send them another copy. This is a very tough time for my family and this company is making a tragic situation so much worse.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

My ex-husband agreed to pay for medical services from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1300.00} and he did not pay. He provided my information and I was not present nor agreed to pay for such debt. I have no financial responsibility whatsoever because I was not even aware. 

Last year a the collection showed up in my credit report and I contacted XXXX   for an investigation. They only verified the accuracy of my identity but not the origin of the debt nor the correct debtor. I contacted the collector, Ability Recovery Services LLC ( the account was purchased by XXXX XXXX XXXX ) by certified mail on XX/XX/XXXX and instead of contacting/collecting from the correct debtor, they sent me another collection letter. I called them today XX/XX/XXXX and instead of investigating they hang up on me twice. 

Again, I never received medical services from XXXX XXXX XXXX XXXX nor I engaged in any financial transaction with them, therefore they should remove my name from such debt collection.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This was my follow up for my issue that I recently forwarded to you. Again, it has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB I am writing about my credit card that i had since XX/XX/2015. My credit card was closed. i called to find out why they informed me that supposedly i tried to call me verify if i changed my address and they were not able to, I responded that yes i changed my address and nobody tied to reach me and ask me if i changed my address, after escalating situation to supervisor i was told to go to branch and provide driver license SS card and my recent pay stub to personal banker so my account can be reopened. I went to branch and provided all requested documents and personal banker asked me to fax to number XXXX XXXX XXXX which i did, after couple days i called to get information i was informed they can not verify information. which is not accurate i provided valid and genuine documents and i was inside branch two different occasion. I do not want my account remain close because its my oldest account and it will have effect on my credit. 

I AM GIVING MY CONSENT TO DISCLOSE ALL INFORMATION HERE AND COMMUNICATE HERE IN CFPB WEBSITE Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

Report violates Family Educational Rights and Privacy Act ( FERPA ), enacted 1974, which protects the privacy of student education records, which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232 ( b )
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I went to a XXXX Event website where someone was reselling tickets to a concert that was sold out. I sent money via Paypal to secure the tickets. The transaction was processed by Paypal and the person never sent the tickets. Paypal policy did not allow for the amount to be recaptured/rescinded because money was mistakenly sent via Friends and Family method.
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (TX)

It has currently been over 3 months since I paid off the auto loan on XX/XX/XXXX and have not received the title of the vehicle. On XX/XX/XXXX, I contacted Huntington to get a status update on when I will receive the title and was told Huntington had no information on it. 

According to The Huntington National Bank , the company claims they identified that the amount of income disclosed on the application may have been entered incorrectly when Huntington received the credit application and contacted the dealership to retrieve the corrected income amount and approved and funded my request for financing with the updated information. 

On XX/XX/XXXX, I decided to call Huntington to see what they receive on the credit application as my income and ended up speaking with the underwriter that approved and finalized the deal. Underwriter claims it was submitted as $ XXXX monthly income, but knew the loan would not get approved so underwriter confidently assumed it was an error and added an extra zero to the end without contacting the dealership to verify which is fraud. 

The Huntington National Bank said the company would not do anything while another bank have decided to remove the credit inquiries as a courtesy to me and in light of the clerical error by the dealer.
Consumer complaint received 2019-09-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, XXXX, and Equifax.
Consumer complaint received 2019-09-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$500.00}, {$7700.00}, {$1000.00}, {$900.00}, {$1000.00}, {$5300.00}, {$5900.00}.

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 and 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 ). 


-OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my account. 


-COLLECTIONS- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2019 To whom it may concern : I would like to file a complaint against Experian credit reporting agency, this credit reporting agency for years has intentionally continued to report inaccuracies to my credit file. 

Experian has continued to report fraudulent false information onto my credit file, and they have refused to make the accurate deletions, and corrections to my file. 

They have continued to report false fraudulent late payments onto my credit file, and they have told me by telephone, as well as they have written to me letting me know that they were not going to investigate nor dispute my complaints regarding the fraudulent late payments that they continue to report on my credit file, regarding my mortgage loan with XXXX XXXX. 

I am enclosing a copy of a letter that I just received from XXXX XXXX ; this letter is dated XX/XX/2019, and XXXX is claiming that I have a delinquent or derogatory Real Estate Secured loan on my credit report. 

I have one mortgage loan on my credit file, which is with XXXX XXXX, and for years I have disputed the fraudulent false information that Experian insists on maintaining onto my credit file. 

Experian credit reporting has continued to falsely and fraudulently report onto my credit file, that I have been late many, many, many times on my mortgage payments with XXXX XXXX. 

For years they have reported all sorts of fraudulent late payments all over my credit file with this mortgage loan ; and when I speak to either company, the fraudulent reported late payments get worse. 

It has gotten so bad, that although I have the letter I am enclosing from Experian dated 2019, from speaking to their representatives on the telephone, namely Mr. XXXX XXXX, from what I have been getting during the conversations, and from what I have been seeing from the credit reports that I have received from Experian, they have not been following up on any of the disputes that I have made to them regarding the fraudulent false late payments reflecting onto my credit file, they have not followed up for some time. 

For many years now, Experian has reported all sorts of fraudulent false status information regarding especially, my XXXX XXXX  loan, and other loans as well. 

For years now, whenever I have disputed the false, fraudulent information, between the Mortgage Company and Experian, they have both done more, and more deceitful fraudulent acts with my loan. 

I have never been late with any payments to XXXX XXXX, what Experian is reporting is untrue false information ; and I have had all sorts of issues with inaccuracies from them, as well as the mortgage company, and I want my mortgage loan, as well as my credit files corrected once and for all.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

XXXX XXXX XXXX XXXX has charged me 3 seperate times. I had insurance at the time of all visits and tried to confirm that with them. They said there was no way to go back and verify that. But she did tell me she even had my insurance information on file. It just wasn't charged. The first accound was XXXX XXXX XXXX XX/XX/2015 for {$1300.00} another for {$44.00} XX/XX/2015 and XXXX XXXX XXXX XXXX on XX/XX/2015 for {$38.00}. Ive tried to dispute all these accounts by verifying medical insurance paid this but it still shows accound is open. They refuse to remove all these accounts and its really effecting my score.