davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX XXXX XXXX, I checked my XXXX XXXXredit report and found collection on report from ENHANCE RECOVERY CO XXXX -- -- -ERC COLLECTION COMPANy for {$71.00} from XXXXable wich is XXXX now in florida XXXX I've been with them for over 10 years and still with them now and my payment is always automaticly withdraw, i call them they said they said i don't have no balance cause it is automaticly withdraw from my bank account. 

I don't know this collection it is not mine and l lost some point of my credit score cause of this please help me with this ERC company, Thant you. 

ERC collection -- XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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. (GA)

I respectfully asked for all signed promissory notes with my wet ink signature on these student loans, I haven't attended any school in 20 years!!!! These loans DON '' T belong to me and I demand that they get removed immediately!!! you left them on my report with a consumer statement but have yet to supply any document to validate these loans. I am a victim of IDENTITY THEFT and all verified documents have been SUBMITTED to show the PROOF!! I have never lived in XXXX, GEORGIA, NEVER!!!!!!!! remove these fraudulent accounts immediately!! NEVER HAD ANY BUSINESS DEALINGS WITH ANY COMPANY CALLED XXXX .... 

US DEPT OF EDXXXX # XXXX {$16000.00} US DEPT OF EDXXXX # XXXX {$3300.00} US DEPT OF EDXXXX # XXXX {$5100.00} XXXX XXXX  XXXX  # XXXX {$2000.00} XXXX # XXXX {$3700.00}
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a account without a consumers written instructions. 

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 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This complaint is about my personal information being inaccurate on my credit report. I've called TransUnion, XXXX and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote 3 letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (NY)

I want to know why my score keeps getting lowered for NO reason! I don't have any issues with my credit ; no card issues ; no mortgage at all ; no changes happen and my score keeps getting lowered every month! I have been working hard to get my score UP, and did, to XXXX and now its down to XXXX. This is unacceptable. There is NO reason that EQUIFAX should be lowering my scores.
Consumer complaint received 2023-05-22
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (GA)

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by XXXX, Experian and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX and Experian have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

I bank with Navy Federal Credit Union, Ive been banking with them since XXXX. Todays date is XX/XX/XXXX. My husband has been receiving his unemployment and veterans benefits since Ive opened the account. I ended up having an outstanding balance of {$500.00} that caused my checking to close but I was on a payment plan to pay it off and Im currently negative {$150.00} now in my checking account. The security team Navy federal has, has bypassed security steps, and have released my husbands funds MORE THAN ONCE, knowing they can see that its in my husbands name and not mine, and have NEVER locked me out of my account. But my sister lost her bank account and asked if she can use mine for her direct deposits and of course I told her yes because Navy Federal has never mentioned anything about my husbands deposits being fraudulent so now that they see an incoming deposit from my sisters deposits, they take these want to be security precaution steps, LOCKS ME OUT OF MY ACCOUNT FOR 3 BUSINESS DAYS, in order to review the letter and IDs submitted by myself, my husband and my little sister. Who is waiting 3 business days for a company that has NEVER FOLLOWED THE CORRECT POLICY because they want an outstanding balance paid off on my checking account. NAVY FEDERAL CREDIT UNION IS A HORRIBLE CREDIT UNION TO BANK WITH! And an agent Specifically name XXXX in Navy federals security specialist department, refused to provide me with her manager, her name and her badge ID # to make an official complaint. She told me shes not allowed to disclose that information with me. When the IRS discloses their badge # s LOL. Navy Federal is WORSE than the IRS. Its like during their training they train them to give their beautiful clients, that bank with them, and not bank with us, THE ABSOLUTE WILDEST RUN AROUND! I would never ever ever bank with Navy federal again!!!
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-19
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. (NY)

Equifax says they refuse to do an investigation into Fraudulent inquiries located on my credit report. 
I wrote Equifax about removing inquiries caused by fraud and they refused to remove the I inquiries. The exact words were " Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' Equifax is reporting fraudulent information and claims they have no responsibility in reporting the truth. So, in other words, they never investigated these inquiries, which is proof they have not done anything. I will use this in my defense when Equifax appears in court to answer the lawsuit I filed against them. 
I demand that you remove these XXXX accounts and inquiries from my report and do a PROPER INVESTIGATION. 
Cc : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX Cc : XXXX XXXX XXXX  XXXX : My Attorney 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. XXXX XXXX BANK - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2023-05-22
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I do not recognize this account XXXX XXXX XXXX XXXX  is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.
Consumer complaint received 2021-06-22
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. (GA)

I respectfully asked for all signed promissory notes with my wet ink signature on these student loans, I haven't attended any school in 20 years!!!! These loans DON '' T belong to me and I demand that they get removed immediately!!! you left them on my report with a consumer statement but have yet to supply any document to validate these loans. I am a victim of IDENTITY THEFT and all verified documents have been SUBMITTED to show the PROOF!! I have never lived in XXXX, GEORGIA, NEVER!!!!!!!! remove these fraudulent accounts immediately!! NEVER HAD ANY BUSINESS DEALINGS WITH ANY COMPANY CALLED XXXX .... 

US DEPT OF EDXXXX # XXXX {$16000.00} US DEPT OF EDXXXX # XXXX {$3300.00} US DEPT OF EDXXXX # XXXX {$5100.00} XXXX XXXX  XXXX  # XXXX {$2000.00} XXXX # XXXX {$3700.00}
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that QVC, XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position. Also enclosed is a copy of the FTC Notice XXXX XXXX XXXX XXXX, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section XXXX of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. 
Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Servicer, SPS, sending information on forebearance coming to and end. No date of when forebearance ends is provided. During forebearance, SPS is also pursuing foreclosure action in violation of Dual Tracking laws.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 2021-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE FARM BANK, FSB (NY)

State Farm continues to robocall me about an autoloan my father took out on his own. I am not affiliated with his loan and have asked them to stop calling me. I receive at least one robocall a day from their main number, and 1-2 robocalls from spoofed numbers.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Ive tried calling and talking to multiple employers, and all of them gave me the same answer. NFCU Has stated to me that funds was on hold on my account ( which was taking off of my available balance ) and was dropped off and put back into my available balance. But I never seen the available balance go up. I was checking my account everyday. I was transferred to a supervisior. Which she stated to me that the funds was released into my account on the day that I checked it. And there was no additional funds added to my account. I also asked her where did she she that can she send it to me. She stated that it was basically assuming because it take 3 days and the funds will be released. She also asked me do I have proof of the funds deducted. I have a text that my funds was deducted. But they do not have proof that my funds was added back into my account. I was checking my account everyday, and I never seen my available balance go up. All text messages that says XXXX XXXX never was released back into my account. It was approved meaning it was deducted out of my account and I looked and made sure it was deducted. No where on my statement it says its been added to my account.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My wife of 4 years had substandard credit and I co-signed a loan with her for a new XXXX 2 years ago financed through XXXX XXXX. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted XXXX XXXX and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate. 

I would say that this approach by XXXX XXXX is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

So i was at the XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX  on XXXX at around XXXX and i attempted to put XXXX  gas on pump number 2 and take out XXXX cash back so using XXXX XXXX i put my phone up to the card reader and my transaction was declined. I then realized i forgot to transfer over my earnings from XXXX XXXX  so i stepped back and immediately transferred my earnings from today which was XXXX ALL OF THIS IS ON CAMERA BTW. So i then step back up to the register and try it again which was successful. So i go about my business until about an hour later whem i log into my online banking because I had received a text about the transaction going thru i then look at my online banking and see that it has. I immediatly go to back to the gas station and show this to the worker and she assured me that it did in fact decline and that i was more then welcome to speak with her manager in the morning she then gave me the hours that she worked. So i then came back the following day and spoke with the manager i then gave her all my info and the time i did the transaction. So she took about XXXX  min to locate the footage and she verified from the tape that it did in fact decline because she could see the Decline Chit print up. She told me that she would gladly verify this all with my bank because no money was ever given to me. Because no money was Ever given to me because the transaction declined. Also the transaction was XXXX not XXXX I wouldnt be able to get cash back without first buying something such as gas. So after verifying all this i then called my bank and the first person with the bank basically implied i was lying. Then i issued a complaint for how i was being treated. Then when someone else called me back they informed me it wasn't their job to call the gas station and if i wanted any money back my best bet was to file a police report. Their wasnt any money stolen as they could easily find out by reaching out to the merchant.