davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
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. (MD)

On XX/XX/XXXX I received two alerts regarding XXXX XXXX XXXX and was unable to retrieve additional information that adversely affects my credit for employment. 

On XX/XX/XXXX I received a notice from XXXX of two major derogatory reporting a court to find XXXX XXXX XXXX named themselves as a court on my credit file, filing an erroneous rating and comments using the Court system to reduce scores since XX/XX/XXXX and to cause more damage. In result of every dispute, Equifax allows Creditor to continue adding conflicting balances, status, etc 2 to 3 times a month like a system after receiving a dispute XX/XX/XXXX favoring a Creditor word or mouth over a consumer discovery as sent.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

AFCU " discontinued '' their current checking accounts and transferred those same benefits to an account with a monthly fee, then made all members have the monthly fee account without even the possibility of opting out! I now have to call them to opt out. It's shady business and a blatant money grab. This is not how you treat your customers.
Consumer complaint received 2023-04-03
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. (TX)

I've tried to fix an error that is reporting to my Equifax and XXXX report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXXXXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent information.
Consumer complaint received 2022-04-29
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. (GA)

This is my 3rd time submitting a complaint please help me!!!! 
I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with XXXX, XXXX, transunion for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2020-01-23
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. (MN)

I HAVE SUBMITTED NUMEROUS DISPUTES REGARD THIS XXXX/XXXX CHARGE OFF ACCOUNT ON MY CREDIT FILE. THIS COMPANY HAS NOT SUBMITTED ANY PROOF THIS ACCOUNT BELONGS TO ME, BUT I HAVE SUBMITTED PROOF THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED POLICE REPORTS WITH THIS XXXX ACCOUNT MENTIONED IN SAID POLICE REPORT THAT THIS IS A FRAUDULENT ACCOUNT. EQUIFAX HAS YET TO TELL ME WHY THIS CHARGED OFF ACCOUNT IS REMAINING ON MY CREDIT FILE. I HAVE BEEN FIGHTING THIS OVER YEAR NOW. MY POLICE REPORT IS VALID AND HAS BEEN SUBMITTED TO FDIC AND EQUIFAX. THIS COMPANY XXXX IS VIOLATING MY FCRA AND THE FCBA. THEY ARE ALSO RETALIATING AGAINST ME FOR SUBMITTING THESE DISPUTES. IT DOESN'T HURT THIS COMPANY AT ALL TO REMOVE THIS PETTY CHARGE-OFF ACCOUNT, THEY JUST WON'T REMOVE IT BECAUSE THEY ARE TRYING TO HURT ME. WHICH IS A FORM OF RETALIATION. I HAVE NEVER HEARD OF THIS COMPANY NOR HAD ANY CONTACT WITH THEM. EXCEPT TO INFORM THEM THIS ACCOUNT DOESN'T BELONG TO ME. I NEITHER HAVE NOR HAVE ANY PRODUCTS OR SERVICES FROM THIS COMPANY. IN ORDER FOR CREDIT BUREAUS TO LEAVE THIS ON MY CREDIT FILE, THEY MUST SUBMIT PROOF THAT I OPENED THIS ACCOUNT, AND THEY CAN NOT BECAUSE THIS ACCOUNT WAS OPENED ONLINE, WHICH WAS DONE BY SOMEONE WHO HAS COMMITTED IDENTITY FRAUD AGAINST MY GOOD NAME.
Consumer complaint received 2019-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (VA)

I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name SPEEDYCASH COM XXXX VA of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!
Consumer complaint received 2020-01-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (IL)

XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of XXXX XXXX XXXX for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of XXXX XXXX XXXX. There was only one transaction that was ever owed to XXXX XXXX XXXXo and that was settled. No other loans or transactions made with XXXX XXXX XXXX have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (TX)

On XX/XX/17 I received a voice mail from a person who refused to identify himself. He said this is about a " theft '' that I committed and needs to be taken out of my checking account. i called the number listed XXXX, the person that answered said the company is XXXX, and they work with Citibank. He said I need to settle the account or I will be taken to court this week, for theft. My outstanding balance was $ XXXXplus on a credit card and if I pay {$2000.00}, i would avoid court appearance. I told him, I dont have that money, and he stated " Fine, youre going to court '' and hung up.
Consumer complaint received 2022-01-11
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. (FL)

I called TransUnion on XX/XX/XXXX and informed the agent that I was a victim of their inquiry issue and that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized 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
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

US Bank messed up my escrow account very badly as i have massive escrow shortage when i shouldn't as there was an escrow account established when i closed in XXXX on the house. Now 6 months later I am being told I am massively short. Funds they can't find either to fix my account.
Consumer complaint received 2024-02-27
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (AZ)

I received a call from a XXXX XXXX from UCB United Collection Bureau. She had first contacted my parents and had a rude remark about ( Well you are XXXX 's mother you can get a hold of her can you not ). Then said she would remove their number. My parents are not associated with this account, and should not have been contacted in the first place, let alone rudely. I then called to see why she called. She informed me that they had acquired the debt from XXXX, and had not received a payment in six months. We never received any notification of this debt being transferred, and are enrolled in a debt settlement program with XXXX XXXX XXXX who would be managing this debt. She interrupted and claimed that " they don't talk to settlement companies '' and that they would sue us, garnish our wages, and cause trouble to our credit. Again, I informed her that the debt was being handled by a settlement program, and offered their contact information. She yelled that they would not contact a settlement program. She was very rude to me and harassed me and kept demanding we pay them ( by XX/XX/XXXX {$66.00} ) or suffer the consequences. I was very upset and couldn't believe i was talked to like this. These calls have been incessant, disruptive and occur at all hours.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently been informed that there is a negative and unauthorized item placed on my credit report which is maintained by Transunion Consumer Relations alleging that i owe {$2500.00}. Section 609 of the Fair Credit Reporting Act clearly stated that it does not matter whether an account is valid or not, Credit Reporting Agencies does not have the right to report adverse item on somebody's credit account without prior authorization from the owner of the account. 

If in fact the alleged reference negative account was reported correctly, do Transunion Consumer Relations have the Legal Right to report delinquent, adverse and negative item on my credit report without my authorization. I humbly request that Transunion Consumer Relations provide me with any documentation bearing my original wet ink signature authorizing Transunion Consumer Relations to place that negative account in my credit report. In the absence of such written authorization, i humbly demand that XXXX Consumer Relation delete that negative account Immediatly
Consumer complaint received 2022-04-29
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

The following are copies of messages so sdnt to Best Buys Citi Credit Card company after they, without warning, lower my credit limit thus maxing my utilization percentage, damaging by credit rating in reports to the credit bureaus. 


https : //citiretailservices.citibankonline.com/ - 1. My payment record is perfect, never late. However, XXXX has notified me you have chosen to lower my credit limit from {$2000.00} where it has always been, to {$1600.00}, thereby damaging my credit by increasing the usage rate. Thanks for rewarding my perfect payment record in this way. 

In light of such capricious and unwarranted action, my goal is now to quickly pay off my balance snd not use this card again. Thanks. 

Citis Response was essentially a non-response. 

2. 
Please know that I have used this card for the last time, and will be forever telling my friends and why. Damaging my credit by arbitrarily maxing my utilization percentage without cause is a slap in a loyal customers face. No company who does this can be trusted. 

Additionally, your customer feedback email yields content in French, not English. XXXX
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I filed out an application for an balance transfer through Chase Slate credit card to assist with debt with XXXX XXXX. The card came and was approved for {$1800.00}, after doing some more research and speaking with another debt assistant programs I determined the balance transfer would no longer be a fit. I called Chase Slate XX/XX/18, and they refused to cancel. Chase Slate claim the electronic transfer was in " process '' and it was no way to cancel and they blamed XXXX XXXX stating once the transfer goes through it would be XXXX XXXX responsibility to cancel. I then contacted XXXX  XXXX who of course were adamant that Chase Slate is responsibility, I called back Chase Slate with XXXX XXXX on the phone who argued against Chase Slate claims and ask to speak with an supervisor they stated all the could do is put on record I want to cancel but they could not do anything else.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION (IL)

I purchased a car XX/XX/XXXX with XXXX XXXX XXXX, I put no money down nor did I have a trade, they told me that the bank regional acceptance would reach out to me in a few days to do an interview about the car. When I received the call the banker asked me if I had traded in a car and if my car had remote start, luggage rack, and a trailer hitch and if I traded in a XXXX XXXX XXXX and I was going back to take a {$1000.00} to put down, I informed him that I was not and that the car had none of those add ons. He then told me that he was going to reach out to them so they redo my contract, the following week the car dealer reached out to me and asked when I could come in and sign the paperwork I told them XXXX XXXX as I was out of town on work, I received a call from the bank on XXXX XXXX asking if I went into the dealership to sign my contract, I told him no I was still out of town he then informed me that he had a new contract from the dealer with a fraudulent signature on the contract, he compared the 2 signatures ( from my old contract and this new one ) and knew the new one was signed by someone else .on XXXX XXXX I received a call from the GM of the dealership saying he did not know anything about this till this morning and that he asked around and no one would admit they did it, he then asked what I wanted to do with the car and told me to call him back tomorrow.
Consumer complaint received 2021-11-08
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: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Consumer complaint received 2021-11-08
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: Army and Air Force Exchange Service (GA)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-08
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: National Credit Adjusters, LLC (MS)

My XXXX  credit report has XXXX XXXX XXXX XXXX XXXX on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX  and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (MD)

I have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-07
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. (MD)

I have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Strategic Alliances, Inc. (NC)

I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX XXXX I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.