davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The following company XXXX XXXX XXXX, XXXX Attempted to collect a debt that dont belong to me I requested proof of ownership and non was provided, it was an identity theft, and i reported the incident to the mayor credit file companies and my credit was frozen to avoid future attempts to steel my identity, 3 yrs later this company PYOD LLC is trying to collect on behalf of XXXX XXXX, I requested over 60 days ago proof of ownership signature or an Government ID to proof I own that, I explain that was a fraudulent account and after 30 days still no proof of ownership, They keep calling and harassing me to pay what dont belong to me.
Consumer complaint received 2021-03-30
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)

One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX and XXXX XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/2015, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/2015, XXXX XXXX and XXXX law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX XXXX XXXX. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX and XXXX XXXX, in attempt to scare me into paying a debt I dont owe.
Consumer complaint received 2020-09-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

This letter is intend to send to GMAC Mortgage, LLC Executive team GMAC Mortgage, LLC has not approved my short sale / forclosure for the the address below XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX We have a buyer made an offer on the house 4 months ago and the buyer is able to meet GMAC 's LLLC appraised value amount. {$230000.00}. It's horible to get GMAC Mortgage LLC response and accept short sale or approve the sale contract. I have lost one buyer in the past due to their slow response. Very slow response or no response. GMAC does not look at my sitting short sale package to issue an approve pruchase contract. GMAC Mortgage, LLC really has no accountability for any dealines. GMAC has been really hard to deal with short sale/forclousre. GMAC executive and the management should be fired for getting paid and doing the job.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I emailed the president of CapitalOne on XX/XX/2021 regarding a unauthorized closed account. This is the second account CapitalOne has closed on me. I tried to resolve this matter with CapitalOne and no one has reached back out. Now they are reporting high credit utilization, continues to added and charge interest on a card they closed.
Consumer complaint received 2020-09-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Tried to dispute with them and they all say this debt is authorized Im disputing this against all 3 Bureaus, showing inconsistencies and inaccuracies payment history date opened date reported dispute status/creditor remarks FCRA required the remarks to say under dispute when its under dispute date of last activity two different payment status
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Betterment LLC (CA)

I tried creating an account with Betterment but their automated systems had some sort of failure and required some additional steps to be taken by me. I did not want to go through the manual steps with them so I asked them to delete my information from their systems as per the rights granted to me by California Consumer Privacy Act ( CCPA ) as a CA resident. 

They claimed that they will retain my information because of Gramm Leach Bliley Act because I had a financial account with them. Their own website did not list any accounts in the portal so I wanted to get my account number. But they refused to share it with me.
Consumer complaint received 2020-08-12
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. (MI)

Inquiry from XXXX XXXX XXXX on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2023-01-30
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. (TX)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX there is a credit card reporting derogatory info that has my family homeless this is really effecting my livelihood please They open XX/XX/2014 it is a close charge off account that was open without my knowledge i have 75 late payments as a result of experian Not removing this negative fraudulent information I called them directly XXXX XXXX XXXX XXXX they stated I owe them {$700.00} over top of the limit {$400.00} I stated to them I never opened up a account I found a police report I thought the incident report I filed a identity theft report this is hurting me and my family housing situation
Consumer complaint received 2020-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with XXXX, and 34 points with Equifax. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up by 20 points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. Equifax is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.
Consumer complaint received 2020-08-12
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: PENTAGON FEDERAL CREDIT UNION (MI)

Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX//2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2021-09-02
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: Experian Information Solutions Inc. (FL)

I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

Notice for Proof of Claim Account : Afni, Inc. LP BAL {$640.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-04-27
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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. 
Company Inquiries 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 2024-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning matter regarding an unauthorized membership and checking account that has been opened in my name with Navy Federal Credit Union. I am seeking your assistance in resolving this issue promptly and ensuring that my personal information is protected from further misuse.

Recently, I discovered that a membership and checking account were opened with Navy Federal Credit Union in my name without my knowledge or consent. I have no affiliation with Navy Federal Credit Union, nor have I ever initiated any account opening process with them. It has come to my attention that my personal information may have been compromised or misused to fraudulently establish this account. 

The unauthorized opening of this account not only poses a serious threat to my financial security but also raises concerns about potential identity theft or fraud. I am deeply troubled by this situation and wish to take immediate action to rectify it. 

I hereby request that the Consumer Financial Protection Bureau intervene on my behalf to investigate this matter thoroughly. Specifically, I am seeking assistance in : Verifying the authenticity of the membership and checking account opened with Navy Federal Credit Union in my name. 
Taking necessary steps to delete and close this unauthorized profile and account associated with Navy Federal Credit Union. 
Ensuring that my personal information is removed from Navy Federal Credit Union 's records and that no further unauthorized accounts are opened in my name. 
Providing guidance and support on how to safeguard my personal information and prevent future instances of identity theft or fraud. 
I am prepared to cooperate fully with any investigation and provide any additional information or documentation required to resolve this matter expeditiously. It is imperative that swift action is taken to protect my financial interests and prevent any further harm resulting from this unauthorized account. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost urgency and professionalism. I appreciate your attention to this issue and look forward to a prompt resolution. 

Thank you for your assistance in this matter.
Consumer complaint received 2021-03-30
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 disputed inaccuracies on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX and Transunion XXXX on XX/XX/2020 that XXXX XXXX fails to correct. I have disputed with XXXX XXXX and provided proof of payments for the months they reported me as XXXX  days late, when in fact I paid as agreed. The CRA 's disregarded my dispute and continued to publish inaccurate information after providing them with the proof. They have violated my consumer rights and the FCRA by reporting inaccuracies and saying they verified the information was accurate. How is it possible to verify accuracy with the company I'm informing you is reporting the inaccuracies. Even after providing proof both XXXX and the 3 CRA 's fail to update my credit file to paid as agreed. 
I mailed several letters to the CRA 's and have not received a response back from XXXX. I have included copies of certified mailings and receipt returns. 
I also kept record of XXXX XXXX and they continue to report negative information to the CRA 's. However, I find it STRANGE that they do not report me as being late in their customer portal database, which was disturbing to receive a letter of Notice to Right to Cure in XXXX  days. This is ludicrous! XXXX retaliates by calling the balance to be paid in full after I contacted them inquiring about inaccurate reporting. 
My credit score has been seriously affected by the inaccuracies and have caused me to not qualify for loans that I would have been able to receive approval for.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX XXXX {$3300.00} DEPTEDXXXX   XXXX {$1000.00} XXXX XXXX $ XXXX DEPTEDXXXX XXXX {$420.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX {$160.00} XXXX  XXXX XXXX {$250.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX XXXX {$230.00} XXXX XXXX {$980.00} XXXX   XXXX {$59.00}
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Suspects opened a checking and savings account on XX/XX/21 by identity theft by somehow using my passport to do so. They then deposited and withdrew bogus unemployment funds. Huntington Bank will not allow me to close the accounts. Ive sent a letter and called several times and still have not gotten any resolution. Im VERY disappointed with their lack of communication with me. When requesting to close both accounts they said I have to travel to their location 8 hours from my home.
Consumer complaint received 2020-08-12
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. (MI)

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.