davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate DEPT OF ED/XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History and an FCRA violation. Please remove it from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (GA)

15 U.S Code $ 1681C-2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2021-07-11
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 submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of XXXX XXXX XXXX, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of XXXX XXXX XXXX. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and Equifax  . On the Equifax credit report, I again see the fraudulent XXXX XXXX XXXX account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both XXXX XXXX XXXX and Equifax failed to adhere. 
According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both Equifax and XXXX XXXX XXXX have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, XXXX XXXX XXXX violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.
Consumer complaint received 2022-03-31
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. (IL)

I have tried to dispute accounts with XXXX, with these accounts. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not been successful in deleting it. XXXX not compliant with FCRA 605b.
Consumer complaint received 2017-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

Due to A serious illness we applied for A loan modification from years XX/XX/XXXX to XX/XX/XXXX to lower our payments and interest rates down from 8/12 per cent so we could afford the payments. The process proceeded on until the house was under water with no conclusion on the loan modification application process. The amount of money went from XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX during this time.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2017-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (KS)

Standander is stating i have a debt with them, regarding an auto loan.  I know they have the wrong person.  This is a family members debt with the same name has me.  This has happen a lot, and I tired to file a fraud paperwork but because the family member has taken out the debt and had it repo.  I don't have a lot of options.  When I call in to customer service, I give them my social and they can't pull up the debt.  I'm not sure what to do, but this had landed on my credit and I can't get an auto, or house loan, or any type of credit.
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (NV)

Navient student loan services constantly harass me by phone call almost everyday and they always collect money from me even if Im not finished with my college degree. It was agreed that i would start paying as soon as I was finished with school but nevertheless they tricked me and i have been paying my loans ever since the call started. I recently checked my credit score and it decreased XXXX point away from me just because of Navient. I have file a dispute and I'm afraid it won't be a success because i have no confirmation ID's on any of the payments. I recently paid off more than 500 dollars and my credit score will increase over time but i need this negative statement off my credit report !!!
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (UT)

The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that XXXX XXXX XXXX has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.
Consumer complaint received 2021-07-11
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. (NC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-06-23
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. (TX)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (NC)

I have been an account holder with Navy Federal Credit Union for almost 10 years. I did fall on hard times and I was unable to satisfy a credit card with Navy Federal which resulted in a charge off. This happened quite sometime ago, I would say XXXX time frame. I received notice from a debt collector stating they had bought my account from XXXX XXXX, and I needed to work with them in regards. Today XX/XX/2022 Navy Federal took {$470.00} from my checking account without notice and when I called to discuss, I was met with accusatory language, and was advised there is nothing they can do, as this debt is owed and they can take it as an offset. So I am almost positive that they are not able to do this for an almost 7 year old credit card account as I should be a protected consumer. I know for a fact I am not the only one they are doing this to, and I will not go delinquent on my personal mortgage or car payment because Navy Federal decided they were taking my funds whenever they wanted. Please help me
Consumer complaint received 2018-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

This case involve sending a principal payment of a $ XXXX cashier check funds received by Ditech ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) on XX/XX/2018 to my loan Acct number XXXX and it is being held in an unapplied funds account with them. The loan principal amount on the day of record was {$120000.00}. I also requested in my correspondence that Ditech complete the loan pay off with my escrow funds currently in the amount of {$710.00}. 

Ive attempted to resolve this matter several times with no success. On their statement sent out yesterday, it actually notes their Misapp. Below are my resolution attempts. 
-XX/XX/XXXX via the Ditech message center -No response -XX/XX/XXXX phone call to Ditech - Request noted, promise 3 day resolution.

-XX/XX/XXXX phone call to Ditech -Request noted, request in process -XXXX XXXX phone call to Ditech -Request noted , request in process -XXXX XXXX phone call to Ditech -Request noted, promised 3 days -XXXX XXXX faxing this correspondence -XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bennett Law PLLC (FL)

Bennette and associates are calling threatening to sue for a debt that clearly is unknown or owed They gave me this case or reference number XXXX Their address is XXXX XXXX XXXX XXXX ca XXXX The agents were very rude they called my husband and did not allow him to ask certain questions anytime he asked them to stop calling us they tried to over talk him so that his request did not get recorded. The guy name was XXXX he's a fast talker and very rude
Consumer complaint received 2016-02-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX, they have broken the law in Florida. Then they refused to pay my insurance for XX/XX/XXXX-XX/XX/XXXX- thus breaking the law again.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XXXX XXXX, 2016, I was sued by Midland Funding LLC on a debt claim I do not recognize. I have requested the original documents which, pursuant to ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER, they were required to have before filing the lawsuit, They have failed and refused to provide the documents on representations that they do not have the documents. Their filing of the lawsuit without having the documents is a direct and flagrant violation of the ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Submitted a dispute regarding incorrect information on my background check. I received a same-day confirmation that my request was received. Three business days later I was told I needed to submit additional information. I submitted the information the same day. Received no response or acknowledgment from the company. Called six business days later as I didn't receive a response ( was told I'd receive one within 3-5 business day ). I was told I never submitted the information ( despite having written proof ) and I resubmitted the same information on the same day. I receive no response or confirmation so I resubmitted the information again six business days later and again three days after. Called the office again because I didn't receive a response and it was the same nasty lady that I dealt with before. I was explaining to her my situation and how this is affecting me. She didn't care and was VERY rude. After being on the phone for almost an hr she hung up. I called back again and spoke with someone named XXXX who was decent and explained that the XXXX who I dealt with before put in a totally different request that didn't have anything to do with what I requested. Needless to say, Transunion is one of the WORST companies and I hate that they are involved in my life.
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (IL)

On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX  and XXXX ) to validate an account on my report. That account was from NCB for account # ending in XXXX. NCB did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same XXXX party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Consumer complaint received 2021-02-26
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. (AR)

Transunion stated in my last complaint that there is an unauthorized third party and they needed authorization to proceed. Transunion, please be advised that this CFPB account is in my husband XXXX XXXX and my name, there is no third party, I uploaded a copy of my drivers license and a copy of my social security card so that you would know it was me, so please don't say you need authorization, you YOU ARE AUTHORIZED! Now let 's try this again, PLEASE RESPOND TO COMPLAINT BELOW! 

Transunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they may be trying to say they confirmed through them that the Bankruptcy is Accurate. The FCRA under Federal and State Law says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXXnvestigation Results is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX etc., and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in Violation, because they failed to give me the name, address, and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.
Consumer complaint received 2018-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: POPULAR BANK (NY)

Called Popular Bank on XX/XX/XXXX regarding maturing {$250000.00} 24 month CD due date XX/XX/XXXX ( originally tried calling in 7 days prior but unlike with other banks I have had CDs with was told their [ 'sticky fingers ' ] policy was to only allow redemption orders to be placed 0-9 days after maturity date - denying me interest on the float ).

Popular Bank representative took my request to transfer entire account balance including any unpaid accrued interest via ACH to my previously linked XXXX checking account. Verified all related account and routing numbers with the representative during this call. Was told the transfer would occur 2-3 busi
ness days from then ( another 'sticky fingers ' policy intended to create an unpaid float ). 

Called Popular Bank back on XX/XX/XXXX to complain that funds were not received. Was told that transfer had occurred XX/XX/XXXX and that I should check with XXXX. Asked the representative to start a trace. 

Called my personal rep at local XXXX account. Asked him to start a trace from receiving end. XXXX has since confirmed that there has been nothing sent or pending to any of my accounts matching this transaction. 

Note : this CD account was configured to sweep each month 's interest into the linked XXXX account, which was successfully done 24 times. There is no room for ambiguity about whether the correct information is in Popular Bank 's records for delivering these funds.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Experian. 
2. Experian claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.