davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 XX/XX/XXXX and the subsequent response received on XX/XX/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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.
Consumer complaint received 2020-08-21
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: 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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 XX/XX/XXXX and the subsequent response received on XX/XX/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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (NC)

On XXXX I received treatment for an injury that happened at work. The number for that is XXXX. I was informed shortly after my injury while checking my credit report that you changed my account to a personal debt collections account for the amount at the time of XXXX. I called numerous times within the last 1 1/2 and my bill was illegally referred to a collections agency. I was informed by you that my job didn't care about workers compensation insurance and that I was liable. Under the workers compensation Act in VA the injured worker is never liable. 

Throughout this time you charged interest and kept reporting a debt to the credit agencies under a new account number of XXXX, which under the state and federal laws was incorrect. Seeing how this claim was a workers comp claim i was never liable. I am asking you to correct this and report this to the agencies of your mistake. 

On XXXX I contact there admin team with the documents needed to resolve this debt showing that under https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please refer to section 2 - I the injured worker is not liable, the company stated they would respond in 25 days, instead they keep billing this debt as a new debt and charging interest since it has hit my credit effective date of negative impact in XXXX not even 60 days later. I have been denied the ability to credit due to the negligence & called today and was hung up 4 times trying to resolve this. The company is under a company name that is no longer active as my previous claim, & me as the consumer should not be held liable. 

As well as this company failed to removed paid accounts as promised & the company listed on the credit reporting agencies in unreachable. The agency As you can see per the credit reports are not the same as the Admin team who was supposed to handle my claims, why is a company using another name to hit consumers credit. As well as when I filed my last complaint the next page is showing XXXX  XXXX  Closed in your system. As well as the companies addresses for that & the name they are using which is Receivable Management is also not listed as a company. I have filed an FTC complaint & contacted the credit bureau 's several times with no resolution.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Pentagon Federal Credit Union forced us to pay into an Escrow account when signing on to our home mortgage, making the bank responsible for paying our property taxes and insurance. Both in XXXX, XXXX and XX/XX/XXXX, our lender has not paid our property tax bills, forcing us to pay while still having to contribute to the Escrow account. Pentagon Federal Credit Union has been unresponsive to our requests to waive escrow given the two notices of error.
Consumer complaint received 2018-06-27
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: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

This complaint is not a duplicate. There is ftc identity theft report attached to the complaint regarding Helvey & Associates. XXXX XXXX XXXX is willfully reporting a fraudulent items my XXXX, XXXX, and XXXX   report. The account is for XXXX XXXX. The marking of duplicate status by the creditor demonstrates failure to undergo proper investigation and avoidance of the issue.
Consumer complaint received 2018-06-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (TX)

We paid cash and closed on XXXX acres of land with closing agent XXXX XXXX at XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, Suite XXXX, XXXX , TX XXXX on XX/XX/2017. We were guided to this title company by the Listing Agent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX. 

One month after we closed, we deeded half the property to our son and daughter in law and we each received applications to renew the ag exemption. When I called to tell them there was no such exemption our nightmare began. As the State of Texas Qualifiation Requirements state, " Acreage Requirement : the State of Texas has set a minimum of 5 acres and a maximum of 20. '' The first page of the closing affidavit states there was NO ag exemption. We were not told prior to or during closing that there was an ag exemption on the property We were not given a Tax statement at closing that would have indicated ag exemptions. We were not given the opportunity to negotiate that. Because of the minimum acreage requirement to even have ag exemption it should have been brought to our attention at closing. 

We are being charged over {$4000.00} for rollback taxes that we don't believe we should be charged for. 

XXXX XXXX at XXXX XXXX XXXX doesn't return my calls. We were denied the claim we filed with the XXXX XXXX XXXX. 

With everything that has transpired we had no reason to even question ag exemptions at closing. 

In addition to all the above, all of our closing documents state the property is in XXXX XXXX Texas but we have since found out it is in fact in XXXX Texas.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation (VA)

My credit score dropped significantly and when I asked, they said there was a debt collection agency that reported I did not pay my debt. I did not know about this bill for {$28.00}, and NEVER received any mail, email, and/or phone call from Suburban Credit Corporation. When I called them, they said they are not sure why it was not sent. I immediately paid the bill, and they promised to send me the receipt. I did not receive the receipt for 9 days. When I called, they said their systems are not working and receipts are not usually sent these days. I did not receive any receipt for my payment as well. So overall, I was never notified about the debt, their systems are not working and my credit is massively impacted by this.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was XXXX over seas and had no access to a computer to pay my bills so i set up a auto pay for an account but it didn't go thru and by the time i got back in the country it was to late to correct and they would not help me even though they said the auto pay should've gone thru.
Consumer complaint received 2020-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit report shows 8 late payments after i checked my most recent report. I contacted the company to ask for verification of the late payments stated on my report but i have not received a response in regards to my disputes.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed this account several times with TransUnion, this item is past the statute of limitations and shouldn't even be listed nor was my dispute ever read or addressed per TransUnion response. TransUnion is the only agency listing this past the statute item. 

I'm requesting some help as there are so many inaccurate information. Date paid XX/XX/XXXX, but past due remarks after date paid. I'm requesting this be removed at once. XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX, XXXX XX/XX/XXXX date paid, please see attached as TransUnion never read or addressed several disputes to their agency.
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (AZ)

I attempted to secure auto financing from JP Morgan Chase Bank through a dealership. They said they required an unexpired XXXX XXXX in order to do this as I am a XXXX XXXX XXXX of the united states but as part of the XXXX process my expired XXXX XXXX was taken by the USCIS when they issued me with a passport stamp ( not just ink, physical indentations that make up the USCIS logo that would be very hard to reproduce ) in my Non-US passport that is considered the same thing as a XXXX XXXX which is good for a year. This same lender was willing to give me finance a year earlier in the same circumstances but with 14 days left until my XXXX XXXX 's expiry date ( I had a letter from the USCIS informing of a 1 year extension ) and gave me finance for longer than the term of my letter but in dealing with me this time they refused to give me financing terms for any time longer than the current stamp was valid. I believe it to be the case that they did not want to accept a valid form of the XXXX ( the exact name of a XXXX XXXX ) because they do not understand it and refused to work with me. As an XXXX trying to work and live in the US, how am I supposed to get to work and support my family if nobody will give me financing on a vehicle? I have been living in the US for 3 years now and this is the first time anybody has given me any kind of difficulty or discrimination based on their unwillingness to understand the XXXX process.
Consumer complaint received 2021-11-05
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. (MI)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-07-20
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. (GA)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-10-14
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: BARCLAYS BANK DELAWARE (CO)

On XX/XX/XXXX at XXXX, I received a text message from Barclay Visa fraud asking me to approve a charge of {$130.00} at a XXXX  XXXX XXXX in XXXX XXXX CO XXXX I woke up to the text and responded " NO '' quickly at XXXX and called right away. The credit card was paid off in full back in XXXX and there was XXXX intention of ever using the card again. Also, it pays to mention there was also only one credit card issued in my name even though my husband was an authorized user. So much to my surprise, when I received a text asking if the charges were me. I was out of town with my husband and XXXX children in XXXX XXXX, CO for a performance as I'm a XXXX XXXX. I was performing for the XXXX XXXX XXXX XXXX. I filed a claim with the fraud department and they removed the charges back in XXXX. On XX/XX/XXXX, when I returned home from a trip, I received a letter from Barclays stating they have added the fraud charges back to my account and that I'm responsible for the charges. To say I was upset, is an understatement. I have faxed in proof that I was not in XXXX at the time of multiple transactions on my Barclays card. I have even filed a police report. Barclays is dragging their feet, saying I am responsible for the fraudulent charges on my account. I've been told countless times that a manager would call me, I have never received a call and that was confirmed by customer service in the fraud department, they said a couple of manager 's have reviewed my account but no calls. Many of them have been very rude on the phone with only a few helpful agents who clearly understand my and my husband 's frustration. Each time I call, which is at least once a week, I get a different story from the agents completing contradicting each other. One of the major fraud charges is over {$1000.00} at a hotel downtown XXXX, there is no reason they can't investigate that and prove that it was not me. That is one of the reasons why we filed a police report. My husband and I are having to do all the investigating because they are refusing to do their job. I think it is absolutely ridiculous that I'm going through this.. I want the fraud charges removed based off my proof that I was not in XXXX, CO at the time of these charges. This should not be difficult. I am so disappointed with Barclays, I would never do business with them again if this is how they treat their customers when fraud happens. They sent a letter on XXXX XXXX, which I received in the mail yesterday ( XX/XX/XXXX ), saying after conducting their investigation, they have determined that I'm not responsible for the charges. I called this morning ( XX/XX/XXXX ) to confirm, just to be told by the agent that the letter was a mistake and sent by accident. I am dealing with incompetent people, and this needs to be rectified like yesterday!!
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

Debt collection agency Crown Asset Management LLC, fraudulent misrepresentation threaten to sue me without written notification about debt. I didn't received or know if I could dispute debt with Crown Asset Management LLC. XXXX offered me a credit card for {$1100.00} after I purchased {$1100.00} of products for my business, unfortunately, I discovered a toxic hazard in the premise and everything have been exposed and landlord evicted me with all my property wrongfully and violate my rights. Since I have been leaving with tremendous anxiety, mental loss frequently and suffered with general illness including brain anguish. Crown Asset Management LLC without my consent file for my credit report that I find that it is a violation from my rights. 
Crown Asset Management without serving any proper paper, have a court date and file his or her file on my file for access to my other court files information. I felt malicious acts from XXXX XXXX XXXX.