davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

They call me every single day and the file date is from XXXX but the account became unpaid in XXXX. I just recently started working and I dont have money to pay them and I expressed to them on the phone I could not speak to them while Im working and they continue to call from multiple phone numbers.
Consumer complaint received 2022-04-08
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)

In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # 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 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (FL)

I submitted a dispute to XXXX XXXX XXXX XXXX disputing the reported amount due from PENN CREDIT CORP # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however XXXX XXXX investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through XXXX XXXX. I've attached a copy of the statement from XXXX.
Consumer complaint received 2019-06-12
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. (TX)

I have tried to dispute a past due amount and a incorrect balance showing on my Experian Report with XXXX account # XXXX regarding several times with no reponse.I have also requested from Experian over 12 times about Method of Verification under FCRA SECTION 611, which states a copy of any documents bearing my signature, to show that i have a legally binding contractual obligation to pay them the exact amount being claimed. 

I have sent several letters to XXXX XXXX XXXX, asking XXXX to provide validation regarding all account history data with my signature on it. NO RESPONSE
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Berndt & Associates, P.C. (MI)

I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XX/XX/XXXX which was never renewed before the 10 year expiration date and from XX/XX/XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.
Consumer complaint received 2017-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early.
Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster.
On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main.
They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest.
They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IL)

I had a US Bank Silver Checking account XX/XX/XXXX-XX/XX/XXXX. 
Savings UsBank Package Money Market opened at same time, balance was {$0.00}. It wasn't utilized. 

Statement XX/XX/XXXX - XX/XX/XXXX *US Bank automatically enrollment in overdraft protection. 
- Overdraft Protection Law Violation *XX/XX/XXXX- XX/XX/XXXX Nine 7  fees associated to this violation and Overdraft Protection Law Statement XX/XX/XXXX - XX/XX/XXXX Four additional Overdraft fees XX/XX/XXXX - Closed account fee {$30.00} Total : {$340.00} + {$30.00} = {$370.00} {$370.00} Reported to XXXX XXXX XX/XX/XXXX US Bank automatically connected Savings with {$0.00} balance to Overdraft Protection. 

Overdrafts issued on ATM withdrawal. 

Remove me from XXXX XXXX immediately and pay any fines fees for Violations. 
Admit Fault. 
This has caused me tremendous damages.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}
Consumer complaint received 2019-04-10
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. (CT)

I have been disputing a XXXX XXXX XXXX account with Experian that was opened in XX/XX/XXXX. XXXX XXXXXXXX charged off this account and it was sold to XXXX on XX/XX/XXXX. I paid and settled this account with XXXX   on XX/XX/XXXX. I disputed the XXXX XXXXXXXX account XX/XX/XXXX because it stated as being negative on my Experian credit report when it was actually sold to XXXX and settled. When the disputed results were sent back to me they were re-aged with a status update of XX/XX/XXXX that caused me to get another charge off and failure to pay. This caused my credit score to drop several points. I disputed this information again on XX/XX/XXXX and the dispute results were re-aged again to XX/XX/XXXX I disputed it again on XX/XX/XXXX this dispute was re-aged again XX/XX/XXXX I disputed again on XX/XX/XXXX and it was re-aged again XX/XX/XXXX. Experian also report this as a charge off and failure to pay for XX/XX/XXXX and XX/XX/XXXX. My credit score has decreased and now my credit score is rating poor. This information is incorrect because the status report date of this account should have a closing date of XX/XX/XXXX. When it was sold to XXXX. Both XXXX XXXX XXXX  and Experian should have known this because the documents are in my Experian file. The last time I called Experian to dispute this incorrect status update the dispute specialist were very rude and did not want to reinvestigate this incorrect information. This incorrect information has caused me to not be able to quality for a home loan it also caused my insurance rates to increase and mental anguish.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WA)

I have repeatedly been into the Wells Fargo Bank branch ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) in an attempt to close my checking account. At each occasion I am told it can not be closed until I talk with the branch manager. The manager is always busy but I am told they will be available in 15 or 20 minutes. If I wait 15 or 20 minutes I will be told it will only be another 15 or 20 minutes, etc.. I have been through this at least four times now over the past month and a half. 

I believe Wells Fargo is deliberately making it difficult or impossible for me to close my account. In the meantime, they keep taking {$30.00} a month from my account. I want to close my account and withdraw my funds. I also want WFB to refund me the fees they have now charged me for XXXX and XXXX ( $ XXXX ).
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. I have contacted them asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation, the only thing that I keep receiving back is that the account has been verified which does not prove that I am obligated to pay them anything which is not the truth because this account does not belong to me. They have reported delinquent information to the credit bureaus since XX/XX/2016 I am asking be deleted.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate 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
Consumer complaint received 2019-06-12
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. (CA)

Over and over I have had contact with XXXX in regards to an installment loan that they wrongfully put under my name without ever running my credit report. According to them I would be added as a card holder with no obligation on my end due to my partner having the membership with them.. after several attempts they have continuously put wrongful information under my credit report, yet completely removed the inquiry from my partners credit report on Experian. Im not understanding how its still on mine and yet I was not the main account holder ... my credit report was never allowed to be run!
Consumer complaint received 2019-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why won't TransUnion stop playing semantics? The attached ID is more than enough ID and is what was previously provided to them. They don't actually read their letters and need to check their XXXX machines that read the letters before it gets them sued. SEE ATTACHED.
Consumer complaint received 2019-06-12
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. (FL)

I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NV)

Collection dispute involving EOS CCA Date Opened : XXXX XX/XX/XXXX For an account balance of {$260.00}. 

I believe this was for a bill from XXXX XXXX in or around XX/XX/XXXX for my previous residence at XXXX XXXX XXXX, XXXX VA. My account was on auto-pay with the company at the time. I was XXXX to another state ( I am military and can produce orders of the move if asked ), and turned in my internet / cable equipment to the store at XXXX XXXX XXXX XXXX in XXXX, VA on or about early XX/XX/XXXX. 

I asked the attendant there if any additional charges would be leveraged when I turned in the equipment. He said no, but they may charge one final bill after assessing it. I said my card was on file with autopay and they could charge me via autopay. He said they would and I left. I did not know this account was overdue until XX/XX/XXXX when it was in collections and had showed up on my credit report. 

I immediately called the collections manager and told them what had happened. I would be willing to pay the amount due if they could give an itemized list of what I was charged for additionally considering I had turned the equipment in to XXXX. They said they would mail me the bill. When I received the bill it was just for the amount due. The creditor stated that I would need to call XXXX for a resolution to the issue of itemization. When I contacted XXXX, they stated that they do not handle accounts in collections. 

I do not believe the amount of {$260.00} dollars is the actual amount I owed. I turned in the equipment as required and my monthly bill was around 80 dollars a month.
Consumer complaint received 2023-03-23
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

I have contacted Nelnet a year ago to make a {$9000.00} payment and agreed with them to pay {$9000.00} per year which is more than one year of payments. They agreed with this and said they would make a note of it in my account. Last month I received a payment due email, so I called them, and they were confused, and had no record of the {$9000.00} payment agreement. I uploaded a document about this to their customer service. Yesterday I got another email about payment due, and this time the payment was {$160.00} more then last month. Clearly they don't understand simple math. With me only doing subbing as a teacher than working a full time teaching job ( long story ) we live month to month. This " annual '' payment is being taken from my husbands IIRA account following the instructions of our tax advisor. We don't have any more money for their random billing. Thanks.
Consumer complaint received 2019-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I submitted a loan modification package and was denied. I have appealed the denial and informed the lender I would like to do a repayment plan and my mother will assist me with repayment by buying the current mortgage and adding additional payment. I have provided the lender pay stubs from myself and my mother and was still denied. I am facing foreclosure and would like to do everything that I could to save my home. I have made some adjustments and I can afford my mortgage going forward. I dont think I was giving a review with loan mitigation department. I ask to have a chance to catch up on my mortgage, I cherish my home and will apply to the fullest to stay in my home. I am employed with XXXX County Sheriff Department in XXXX Texas. My daughter and I have no place to live if foreclosed please help me
Consumer complaint received 2023-03-23
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (NC)

Because of a XX/XX/XXXX hospital stay and a billing error, bills were sent to XXXX instead of the V.A.  where I have 100 % coverage. I submitted a dispute to the V.A. to pay this bill on XX/XX/XXXX and again on XX/XX/XXXX. I am still waiting to hear from them. On XX/XX/XXXX XXXX Flagged a PMAB llc account to my credit report in the amount of {$1300.00}. It went right to collections without any notice to me. I was not given the chance to notify them it was being disputed. I also wasn't notified when XXXX flagged my credit report on XX/XX/XXXX. Therefor I wasn't aware until XX/XX/XXXX when I was flagged the second time. I feel this is in violation of the Fair Debt Collections Practices Act.