davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mark A. Kirkorsky, PC (AZ)

I have been contacted at least three times by phone by the Law Offices XXXX. Each time I have told the caller that I do not owe this debt. I have never lived in XXXX, AZ and I have never owned a business. In XX/XX/2016, I sent the office a certified letter stating that I do not owe this debt ; requested that they mail me documents about this debt ; disputed the debt ; and to stop all communication with me. This harassment began in XX/XX/2016 and has continued to XX/XX/2016. The caller is XXXX XXXX and his tone is threatening and disrespectful.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Good day.   I am filing a complaint against Navy Federal Credit Union in what I believe to be illegal and false loan practices.     I had several credit accounts with  Navy Federal ( cr edit card, line of credit, overdraft protection ) that fell behind due to illness. Although I made small payments, the accounts were still behind. I received a call from  Navy Federal in e arly  XXXX   XXXX  asking if I would be interested in a consolidated loan for all the accounts. As I had returned to full-time work in  XXXX , I was excited and eager to get everything back on track.     After speaking to the gentleman on different occasions, I was happy to agree to the loan as long as there was disability/death protection coverage, as well as the interest rate couldnt be higher than whatever was the highest rate on my various loans/credit cards. The gentleman assured me that wouldnt be a problem, and that I had been approved. He advised that the promissory note coming would provide that information, as well, that until I signed and returned the promissory note, the loan was in a temporary approval.     I received the promissory no te ( attached ) and the interest rate was wrong, and more importantly, no disability/death insurance was included. I immediately started calling Navy Federal to advise my concerns, and that I didnt w ant the loan. I was placed in someones voicemail, and assured that someone would call me back. I did NOT receive any calls regarding my complaint, and desire to void the loan. Each call was to advise that I missed the first payment, and wanted to know if I wanted to make arrangements for the payment. Each time I advised that the loan was INCORRECT, and I never agreed to the terms of the loan. Each time I was PROMISED the original loan agent would call, and to this day, Ive NEVER received a call from this individual.     The only person who has at least attempted to resolve this issue has been a  XXXX   XXXX  at  XXXX .  XXXX   XXXX  was able to provide the following dates that I called :  XXXX   XXXX ,    XXXX   XXXX   XXXX   XXXX   , and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , and  XXXX   XXXX . I also have an email that I sent on    XXXX   XXXX   XXXX  ,   regarding the loan, that I never received any response. Im sure there are more calls, but I cant prove this. Additionally, Ive asked to have a copy of the recorded calls released to me, which  Navy Federal has refused.     Navy Federal has deduc ted and replaced funds from account on   XXXX   XXXX   XXXX   XXXX   XXXX   , and the lat est was  XXXX   XXXX  which they are refusing to return.     At this point, this loan should be voided, as well as removed from my credit report. Im not sure what can be done regarding compensation, but clearly this is all illegal. The only resolution they are offering is to place me in a voice mail where no one returns my calls.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (PA)

Received 5 phone calls in the past 3 days from  Southwest Credit (  only reason I knew their name was I called the numbers back and tried to get a hold of somebody but was on hold for too long ).     Calls from  XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Fri  XX/XX/XXXX   XXXX   XXXX  Calls from  XXXX  Mon   XX/XX/XXXX    XXXX   XXXX  Every time I have tried to pick up, they have hung up on me. They are calling my direct work line and are harassing me by repeatedly calling & hanging up. They have also not reached out to me via mail alerting me of a collection attempt so I have absolutely no idea if their calls are valid, or if they are even trying to reach me.
Consumer complaint received 2022-02-07
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. (IL)

Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.
Consumer complaint received 2016-10-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX AND XXXX ON BEHALF OF BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (TN)

in XXXX 2016, target sent me a letter stating about sending in a document for the removal of the inquiry. Once i sent the document, the credit bureau equifax, states to me that it is up to Target to handle this process and that I am not suppose to do anything. The credit bureau also stated to me that Target had never sent anything in stating for the removal of the inquiry and that Target is not addressing the issue instead giving me the runaround. The credit bureau also stated to me that all Target is supposed to email XXXX asking for the removal of the inquiry.. s of today the inquiry still exist on my credit report.
Consumer complaint received 2022-02-07
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. (NJ)

I filed a fraud alert to Equiax to remove this account off of my report. Equifax removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.
Consumer complaint received 2015-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I ran my credit report earlier this year and found that TransUnion was listing multiple incorrect addresses associated with my name. On XXXX/XXXX/15, I wrote them asking for XXXX to be removed. ( The other incorrect addresses they listed were obvious typos & duplicates and, given the TransUnion incompetence that demonstrated, I thought I 'd keep it simple for them. ) While they removed XXXX of the incorrect addresses, they left the XXXX. On XXXX/XXXX/15, I again wrote requesting they removed this third incorrect address. Instead of removing the address, they sent me another copy of my credit report. ( It 's a good thing I did n't ask them to correct the stale phone numbers and employment data they have listed. )
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " Experian '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc. (CA)

I currently have a open complaint against XXXX XXXX XXXX XXXX ( complaint # XXXX ) as you can see that company never responded. They did not meet the 30 day request for verification of the debt twice. They have since sold the debt to Complete credit solutions, which immediately put a collection on my credit for this same debt. Complete credit solutions also never contacted me by Mail, email or phone. This collection is no good, and this is illegal what both companies have done.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TU for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now XXXX is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that TU and XXXX are flagrantly violating the FCRA.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I have a bunch of inquiries on my credit report that I do not recognize therefore I never gave permission for the inqury. I have contacted all but its still reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX FINANCE ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX  XXXX XXXX ( Bank ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 CAPITAL XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2020 REGIONAL XXXX XXXX ( Bank XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX  ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( Auto ) XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XX/XX/2020 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2020 2020
Consumer complaint received 2022-02-07
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: American Credit Acceptance, LLC (VA)

This company lied to me told me they would remove my late payments on my credit report if I caught my payments up they still reported 6 late payments too all 3 creditors and its hurting my score big time please remove all 6 payments that was agreed on
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called Transunion to inquire about an address I did not recognize on a credit report they mailed to my home. They asked me for my social security number? The report came with a file number and I gave them that. I was then repeatedly asked for my social security number which I did NOT feel safe/secure giving to someone not in the United States. I tried to explain that since this document was mailed to my home and it had a " file number '' which should be unique to MY FILE that I should not have to supply my social security number especially to someone who demanded that I give it to them. Why do you still allow this or any company to ask for social security numbers to verify IDENTITY?
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to remedy the situation but would not help correct these fraudulent and inaccurate accounts. 

XXXXXXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX communications XXXX ) XXXX XXXX XXXX XXXX  ( original creditor XXXX XXXX ) XXXX XXXX ( XXXX x reserve at XXXX XXXX ) XXXX XXXX ( original XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2017-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MT)

Back in 2015, I was taken advantage of emotionally when my dog suffered a XXXX XXXX. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to XXXX XXXX as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from XXXX to XXXX ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( {$750.00} ) months worth of minimal payments, with the impression that would satisfy them until I stabilized in my new location. This was not the case, as they 've reported a missed payment from me to the bureaus, toppling my 700+ score by at least 90 points, nearly denying me a loan I required to close on my sale of property, and forcing me to seek a predatory loan to cover costs by putting my car as collateral. On top of that, I 've received at least 2 calls per day, including today, XXXX XXXX, trying to collect. I have mailed a paper check to them on the XX/XX/XXXX, which is due before the next statement period.