davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MS)

I submitted a dispute to lexis nexis by phone in XXXX of 2021 about a chapter XXXX bankruptcy that is reporting on my credit file that does not belong to me. The company claimed to have investigated my dispute and stated that the information was verified by the furnisher. After receiving their response, I reached out to the court that the information was supposedly verified by. The court stated that they could not find a record of such which matched my full name, social security number, date of birth, or address. The court also stated that they did not furnish nor verify ANY records to ANY credit reporting agencies or data reporting agencies. The problem with this public record is that it is not mine and is falsely reporting as being furnished by the recorder of deeds, the clerk of the court, or the municipal court which is not only false but also a direct violation of the fair credit reporting act. I want this record removed immediately from ALL sources
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I XXXX XXXX filed an identity theft on two separate occasions, whereas my Sears Card was stolen and I also initiated an initial police report in XXXX, and another one in XXXX of XXXX. Citibank N.A. owned the account and still pressured me that they would not remove a negative tradeline until I at least made some type of financial settlement. Citibank N.A. through a third-party collection agency known as XXXX XXXX XXXX XXXX knew that through the Fair Credit Reporting Act that my credit report could be used as XXXX of my credit worthiness. Therefore, I had no choice but to pay a settlement that could not even be enforceable in Massachusetts courts. It has been eight months and Citibank N.A. is still posting this Sears account as Past Due {$3500.00}. The account was an identity theft claim and should be deleted permanently. This is a clear violation of my rights under the Fair Debt Collection Practices Act, and Citibank N.A. is in clear violation of their subscriber agreement with the credit reporting agencies. This accounts must be purged 100 % permanently!!!
Consumer complaint received 2021-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I attempted to use a balance transfer to another Credit Card while i'm in an accelerated graduate school program for one year working part time. Instead of Bank of America processing the amount I requested, they processed a repeating payment of an amount I did not agree to my XXXX XXXX resulting in repeated cash advance fees. The repeating transfers were fraudulent and incorrect amount and I lost my promotional APR balance transfer on my new XXXX XXXX. Bank of America also closed my credit card account, negatively impacting my credit score. I tried to call and correct this with them and they hung up on me and did not return my call and proceeded to close my credit card account.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (IL)

My credit has been negatively affected by false claims about a debt and balance reported by JPMCB Card Services. XX/XX/2020 XXXX  reported a charge off - XX/XX/2020 - XXXX  reported payment after charge off - XX/XX/2020 XXXX  reported legally paid. These claims are false, I paid a debt not owed to save my credit and my credit is being unfairly impacted. Dates, amounts, balances, acct holder all inaccurate. Please remove from my report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2024-02-05
Product: Credit reporting 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX and XXXX  agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX  and XXXX  credit reports but, TransUnion continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.
Consumer complaint received 2018-02-10
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. (NY)

I recently sent a letter to Equifax asking for information about accounts on my credit report Im not familiar with. I asked Equifax to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Equifax If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Equifax showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. 

Check attached Equifax response sent to me on XX/XX/2018 file number XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. 

Creditor : XXXX # XXXX Creditor : XXXX/XXXX  # XXXX Creditor : XXXX XXXX XXXX # XXXX Creditor : XXXX XXXX XXXX/XXXX   XXXX XXXX # XXXX
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: First Technology Federal Credit Union (OR)

On XX/XX/2022 I was assessed an overdraft fee by First Tech Federal Credit Union in the amount of {$33.00} at approximately XXXX. At that time my account available balance was {$540.00}. This shows on a screenshot I have of their online system. There was also a pending charge for {$740.00} at that time, but it was not completed until XX/XX/2022. Before the charge was deducted I both transferred money from my savings account and also received my normal paycheck taking the balance above {$3000.00}. 

I contacted the bank and told them that I was confused about the fee and how it could be assessed when my balance was above {$0.00} and nothing had been paid out that had taken my account below {$0.00}. I was told that " The fee was incurred due to the hold of {$740.00} from XXXX, although the purchase was much less, at the time the item was presented to your account for payment the available balance was {$85.00}. '' which is incorrect or their system is faulty, I was also informed that I am not eligible for a courtesy reversal. I don't feel this would be a " courtesy reversal '' situation as my account still had a balance, and I shouldn't have been assessed an overdraft fee in the first place. I am closing my account with them today.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I started my dispute of negative incorrect and incomplete information on XXXX XXXX. There were multiple inaccurate items being reported. After the initial dispute, one item was listed as closed and the others remained. I filed a follow up dispute on XX/XX/2020 demanding the items be verified with an original signed contract bearing my wet ink signature. Following this dispute, the inaccurate items yet remained being reported, even though there is no verifiable proof that the item is accurate. Additionally, the account that was reported closed has been fluctuating in status, even though again there is no verification that the item is accurate. None of the accounts are reporting complete or accurate information regarding payments, statement dates, etc. In addition, the bureaus have failed to provide me any physical verification that the accounts reporting are accurate as requested. I have since filed an additional dispute on XX/XX/2020 demanding that the accounts be deleted due to lack of verification and non response. It's been over 90 days and I have yet to receive a proper response. They have failed to follow regulations and procedures to ensure the data published is complete and accurate.
Consumer complaint received 2021-06-07
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. (GA)

I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, XXXX  and Experian trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.
Consumer complaint received 2021-02-01
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. (IL)

I have several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
Transunion, XXXX, XXXX, XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  card {$250.00} XXXX XXXX  XXXX  {$20000.00}
Consumer complaint received 2021-08-19
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto Finance Account # XXXX XXXX XXXX XXXX XXXX Contract Date : XX/XX/XXXX Payoff : {$20000.00} Contacted TD over my issue with two XXXX houses and the problem they can't fix which is my engine. The engine is not working at all and TD Auto will stop the payments. The vehicle might be towed from XXXX XXXX XXXX in XXXX, TX. I want money back the vehicle but they seem to not want to assist in the matter. My credit is awesome and I pay my monthly dues. 

XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (IN)

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-05-27
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. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

They hang up on you when they cant answer ur question. They need to update all fico scores for all credit reports not just XXXX  XXXX. Plus the score had been updated for 30 days 4 the last four years since having the account.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NY)

My XXXX XXXX gift card was lost or stolen and I called XXXX XXXX / Incomm and verified my information and was finally told I'd receive a replacement card on the XXXX within 8-14 business days. 

It never arrived so I call again on the XXXX and another replacement card is said to be placed. 

It's now XX/XX/XXXX and I've called once more and I've never received a card. 

I've never heard of such incompetence - who can't mail a simple card? I've verified my information and address over and over and over and spoken to reps ad nauseum.
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a physical therapist. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ XXXX. The XXXX other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX Bank XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an XXXX of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Consumer complaint received 2021-02-01
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please REMOVE THE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IL)

In response to the letter from Selene Finance dated XX/XX/XXXX and CFPB previous case # XXXX I am uploading new paperwork and correcting a few inconsistent statements made by Selene Finance : On XX/XX/XXXX I had written the letter ( hereon attached ) regarding wrong escrow calculations made on XX/XX/XXXX, and I had enclosed proof and correct escrow calculations. I had talked to Selene Finance at the beginning of XX/XX/XXXX and was told that the response to my letter I should expect within 5 business days. As of today, XX/XX/XXXX I did not get any response, on top of all, they DID NOT apply the mortgage payment I had mailed in, basically saying that I did not make my mortgage payment on time. 
If Selene Finance is unable to handle and calculate my escrow amount correctly, I am willing to pay my r.e. taxes and insurance on my own. 
Please, help me out dealing with this lender as their ineffective ways and practices cause a lot of unnecessary stress. 
Thank you XXXX XXXX XXXX direct
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.