davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (AZ)

During XX/XX/2020 Target Cash Now had approved a loan application claiming they spoke to me on the phone. I have phone records that prove otherwise. The fraudulent loan application contained my stolen identity ( name, address, social security number ) as well as a false or someone elses drivers license. The employment information is false. The email address supplied has been inactive for years. The XXXX  XXXX XXXX account specified in the loan application is not mine. I have spoken to Target Cash Now agents multiple times, sent emails with police incident number, FBI IC3 report, FTC ID theft reports. My first email was sent in XX/XX/2020 which was followed by a USPS mail of the same material ( return receipt received ). I have never received a response from them nor have I received the loan number and the loan documents for my investigation into this matter. Each time I call for an investigation update, their agents dont have an update. Since XX/XX/2020, a second set of documents was both emailed and sent by USPS mail during XX/XX/2020 containing my personal investigative findings.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NM)

Navy federal sent a letter stating they would provide a provisional credit and get a rebuttal from the merchant. If the rebuttal was received they would forward it and continue the investigation. They did not provide the rebuttal from the merchant and instead posted the amount back on the card. Also, the charge should not have been allowed since the entity ( merchant ) XXXX XXXX is using XXXX Government employees to provide services and it is ILLEGAL for Navy Federal to directly or indirectly process payments for XXXX sanctioned persons or countries.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-07-17
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. (CA)

I tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MD XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX Hospital and informed them of the mistake. I contacted XXXX XXXX XXXX   and informed them error. I filed a dispute with the credit reporting agency Equifax. 

I mailed XXXX XXXX Hospital and XXXXXXXX XXXX XXXX   certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXXXXXX XXXX   Hospital nor XXXX XXXX XXXXs. Equifax removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX Hospital and XXXXXXXX XXXX XXXX followed by another dispute with Equifax. I did not receive a response from any parties, so I contacted XXXX XXXX Hospital via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted Equifax and filed another complaint. I contacted XXXX XXXX Hospital via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
Consumer complaint received 2018-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My mother is XXXX XXXX, and I've been trying to work with Select Port Folio my mortgage servicer to modify our mortgage and reduce the mortgage payment.

I'm being given a hard time with the process and they are unwilling to assist me.

I do want to keep our home. We do not want a catch up plan that will increase my monthly payments, please review mortgage and exercise the option to make a PMI claim if possible.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have two capital one cards that have multiple cards and account numbers. I did not open these cards. My ex did and I paid the balance off to lower amount and now Im stuck with high balance. XXXX XXXX   says I owe $ XXXX month payments. I can not afford that. I am willing to pay $ XXXX  month. I do not want negative comments on my credit report. This account is fraud. I never gave anyone permission to open this account or use my social security number to open this accounts.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

I recognized that my credit score was dropped from a report from Pro Collect for XXXX student housing. I attempted to call the number attached XXXX XXXX XXXX and since I did not have a collection number and I did not want to provide them with my social I could not be helped. I have never attended nor lived in student housing at XXXX this is a school my daughter attended years ago and I have never signed any documentation for housing or anything else. I need to know how can someone elses debt affect my credit. I need this removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx XXXX is the address
Consumer complaint received 2018-06-22
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 (CA)

Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-03-29
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (FL)

I had excellent payment history with Comenity Bank : XXXX ( XXXX XXXX ) Account XXXX for years, until I got sick XXXX XXXX and wasn't able to make a payment on time. 

My husband called the compnay on my behalf and reached an agreement with them on a recorded line, where he put in a promise to pay at a later date and they agreed to record that promise to pay in the account and not issue any late fees or negative reporting to the credit bureau. 

I did call and not only did I pay the amount due, but the entire remaining balance, however negative reporting went into my credit report despite the recorded agreement in place. 

I tried disputing with them directly and received a letter simply denying. They never even went through the trouble of looking up my account. I then submitted a separate dispute through XXXX and still nothing was resolved. They refuse to hold their end of the agreement even though I held mine. 

They should be held accountable for any notifications and promises they make in exchange of payment to customers over the phone on recorded lines. Is simply insulting to dismiss any arrangement or out of our control circumstances like XXXX. 

I would like the negative reporting to the credit bureau to be removed completely from my file.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MI)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to The Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. Here is the account : CONVERGENT OUTSOURCI XXXX
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I opened a checking account in XXXXXXXX XXXX XXXX for my business as I received a check in the amount of roughly {$21000.00} from a payer source for XXXX relief. I logged into the account to see if the amount cleared and received notice that they was investigating my account and possibly closing my account. I called Chase Bank and they wouldn't give any information except for once the account closed I would receive the money within 15 days. I have yet to receive the funds. However, I received a bank statement from the that shows the money was withdrawn.
Consumer complaint received 2020-07-17
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)

I tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Consumer complaint received 2020-01-20
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. (GA)

I am writing this due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Went to a Credit Union on XXXX to open a checking & credit card account in a new city where I accepted a promotion with my employer. The Credit Union tried to pull a credit report from Equifax using my social security numbet & last two addresses. Equifax came back & said that the social security number belongs to another customer. Equifax told us to fax a copy of my SS card & Driver 's License to them. The bank helped me do so on XX/XX/XXXX. Equifax stated that even if they receive a fax, that they would ignore it as I have nothing on file. I, again, called Equifax & they stated that I have no name, credit, employer for my SS # ... on file at all, but I had pulled a credit report from Equifax on myself in XX/XX/XXXX. The other 2 credit agencies have my credit info attached correctly to my SS #. I tried to place a dispute on line at Equifax, but there was nothing to dispute as tbey claim to have no information at all on me connected to my SS #. For them, I just do not seem to exist. Equifax asked me to send them a copy of one of their reports that I pulled but I shred them after I review them for accuracy.
Consumer complaint received 2020-01-20
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: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2021-03-02
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXXXXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct XXXX XXXX ... XXXX Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-22
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: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that Navy reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by Navy Federal Credit Union. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by Navy Federal Credit Union. 
I need this information immediately, for my background check to move forward.
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

A company named XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX had erroneously invoiced medically related charges from dates in which they can not substantiate on a date of XXXX This medical conglomerate keeps attempting to sell a fraudulent collection account in which RMP services/XXXX XXXX XXXX XXXX XXXX ( XXXX ) has dismissed in its entirety on XX/XX/XXXX. The legal matter was escalated to the state government and the parent company XXXX. XXXX XXXX has now once again placed my good credit in question by placing unsubstantiated medical debt in collections which they have reported as opened on XX/XX/XXXX. I had never received any letter of demand or invoicing from RMP after they wrote to me that they were going to request tradeline deletion of any derogatory credit reporting for the collection matters. I am currently unemployed and a veteran of the armed forces. I have opened disputes with the credit reporting bureaus and I am happy to report that XXXX has already removed this fraudulent collection attempt. Please write to RMP and reference their letter to me and ask them why they still reported the collection account. Please also ask them to substantiate the medical debt by sending proof of a valid contract or consent for treatment with XXXX or XXXX XXXX from the alleged date of service XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

A few years ago XXXX XXXX put a {$77.00} charge on my account. I went thru the credit bureaus and the it was proven to not be mine and they removed it from my credit profile. They have sold the debt to a couple of collection agencies over the next couple of years and and I repeated the process with the same result. The debt was removed. They have once again sold the debt to Sunrise Credit Service my credit score has dropped XXXX points. I would like this handled once and for all so that they can't sell this debt every year to another company causing large drops in my credit and hours os wasted time to once again prove that this is not my debt.