davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. 
Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX again, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

The S

tudent Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Consumer complaint received 2020-05-21
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is the second complaint against Bank of America that we've left on this site. The first one was closed without many issues being addressed, especially the poor communication. The bank provided a contact name and number that didn't work in their response to the last complaint. We've NEVER been able to reach a representative at the number provided by the bank it's always voicemail. The coronavirus pandemic has made a bad situation worse and it's nearly impossible to get someone on the phone and written correspondence sent via mail takes weeks to reach us. The date on letters is always more than 10 days passed by the time we get it. We put our home on the market for sale in XX/XX/2019 but had no buyer interest due to deferred maintenance and possible structural damage to the house. We recently received a cash offer on our home well under the asking price, after two previous offers fell through because buyers backed out because of length of time for processing and lack of response from the bank. Our agent, who is experienced in short sales, has been working diligently to ensure that this one gets further along than the other two failed attempts. After having the house on the market for nearly a year, we are out of options and need to either do a short sale or let the home go to foreclosure. We felt as though progress was being made when our agent was alerted that our loan is set to be service released to XXXX Mortgage on XX/XX/XXXX but she was told the bank can't actually confirm that until XX/XX/XXXX when it would show in the system. Our agent learned of this from Bank of America 2 days prior to XX/XX/XXXX, even though the letter we were told we should have received from Bank of America was dated XX/XX/XXXX. We have never received such a letter from the bank nor have we received any communication from XXXX. Our loan disclosures say that we should have received communication about this type of transaction more than 30 days prior to the servicing being released. Now, we don't know what will happen. In the past, we were told that we couldn't attempt a short sale without first being considered for a loan modification since the home is our primary residence. That was time consuming and futile since we still couldn't afford the lower payment. We continue to experience an extreme financial hardship due to the pandemic. Will the process need to be started over with XXXX? Will we be considered for a short sale or have to go through the loan modification process again? Who can provide us the answers we need and actually answer the phone when we call?
Consumer complaint received 2022-12-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unique Management Services, Inc (IN)

I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 1 ) 15 USC 1692A. 2 ) 15 USC 1692B ( 2 ). 3 ) 15 USC 1692B ( 5 ). 4 ) 15 USC 1692A. 5 ) 15 USC 1692D ( 1 & 2 ). 6 ) 15 USC 1692E ( 2-a ). To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 1 ) 15 USC 1692B ( 5 ). 2 ) 15 USC 1692B ( 5 ). 3 ) 15 USC 1692A. 4 ) 15 USC 1692C ( a ). 5 ) 15 USC 1692C ( b ). 6 ) 15 USC 1692D ( 1 & 2 ). 7 ) 15 USC 1692E ( 2-a ). 8 ) 15 USC 1692B ( a ).
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC16811 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 168 In & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
These Accounts have violated my rights according to FCRA : I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2020-05-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Charlottesville Bureau of Credits, Inc (MD)

I was originally contacted by collection agency in XX/XX/XXXX for a debt that I did not recognize, and agency threatened to report it on my credit. I requested validation of the debt and received back from them information about an XXXX  XXXX my adult daughter had. My adult daughter had XXXX insurance under my name. I was listed as who the insurance information is under. I was not the patient. I did not agree to pay for the patient. I did not sign the financial agreement. The copy they sent me was signed by the patient, not me. I returned the documents to them pointing out I was not the patient, the insurance information is under my name and that I did not agree to pay for the patient, nor did I sign the financial agreement they enclosed a copy of. I never heard back from them again. I received a notification that my credit score dropped in XX/XX/XXXX and I requested a copy of my credit report and found the collection agency is reporting this debt as a collection record against MY credit. I immediately disputed to all 3 bureaus. The collection agency falsely confirmed to all 3 that it is indeed MY debt! I also wrote to the collection agency at the address listed on the credit bureau and received my letter returned not deliverable as addressed. They are ruining my good credit and my job could be jeopardized by my credit.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (NC)

I have recently reviewed a copy of my creedit report and noticed the following information reporting regarding inaccurate inquiries on my report this month. I was also alerted of my personal information being in a leak and a breach. According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA. I am requesting that you promptly delete all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that under the FCRA 15 U.S.C. & 1681i, every single one unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly removed.
Consumer complaint received 2020-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Week of XXXX XXXX I called NEWREZ, my mortgagee handling company about unpaid mortgage insurance to company called XXXX XXXX XXXX. Insurance payment was due on XX/XX/2020 for XXXX . Long story short, after spending 15 plus hours on the phone waiting and arguing about it not being paid, the company basically said the check was mailed XX/XX/2020 and was still outstanding and there was nothing they could do. 

I told them to cancel the check and I would pay it myself once my escrow was refunded. They told me there was no guarantee that they would cancel the check but would try. 

I called my third party representative to the insurance company, XXXX  XXXX XXXX, and talked to a person XXXX about what to do. She told me that I would have a lapse in coverage if I paid the insurance because the banks get a grace period of 45 days and I do not. 

SO I called NEWREZ back and they told me they cancelled the check. I checked my account and they still never refunded my escrow. I basically told them that they were going to send out another check and pay the insurance. After a lot of arguing they finally said they would mail the check on XX/XX/2020. Now here I am XX/XX/2020 and the insurance company still doesn't have my escrow money. NEWREZ keep dropping my calls on purpose now or their phone system is just that XXXX. 

So to rap this up, I have a missing money in my escrow of XXXX XXXX my insurance still hasn't been paid, and I cant refinance my current mortgage because I cant put my new mortgage company name on the insurance till they get paid. I'm pretty sure they took my money and spend it on XXXX and they can't pay anyways. I'm about to file a police report about the felony levels of theft but wanted to try the CFPB first. 

Thanks for your time.
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Debt does not belong to me. As well In a n accordance with the Fair Credit Reporting act National Credit Systems is reporting a debt showing as ( XXXX XXXX XXXX XXXXXXXX XXXX ) that I do not owe, nor are they the original creditor. 

They have, and continue to violated my rights. 
In accordance with the Fair Reporting Act.

1.15 US.C 1681A -2 exclusions 2. 15 US.C 1681 section 602 A. States I have the right to privacy.

3. 15 U.S.C 1681 Section 604 A Section It also states a consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2020-05-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you because my XXXX XXXX  which was opened XXXX has reported without my approval a late payment on my account which is a violation according to code 15 U.S code 6802. I have attempted to contact them in regards the matter and they refuse to remove. I never missed any payments on this account and will like this to be resolved/removed. This company placed this inaccurate info on my Transunion credit profile and I will like this removed according to the following U.S Codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XXXX XXXX # XXXX - BALANCE {$9900.00} XXXX  XXXX # XXXX XXXX  # XXXX - BALANCE {$4100.00} Unauthorized inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I have a checking, savings, and CD account with Citibank. The combined balance of all my accounts are quite substantial. However, a few days ago, when I deposited a large check ( a settlement I received from my old employer ), Citbank blocked all my accounts as '' fraud '' and prevented me from accessing my money ( even my old money ). The payer showed that Citi had gotten the payment from them ( the check is clear ). However, Citi still tells me there is a problem with the payment - as they can not get the check clear, and they would need 3 weeks to review my account. They said they called the payer to verify the check. Payer told me everyone was working remotely so noone was in the office to answer call. However, they gave me proof that Citi had the funds. It is considered fraud that Citibank keeps ownership of all my money.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NJ)

I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from XXXX  verses from EOS CCA. XXXX  is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX  validated this account like they claimed the balances should match. XXXX  actually deleted this account off my report because they could not validate the account so why is XXXX  still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.
Consumer complaint received 2024-09-01
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC (VA)

I received a call from a customer service rep with Five Lakes Law Group ( FLLG ) who was assigned my debt by XXXX XXXX XXXX ( XXXX  ), on XXXX XXXX, XXXX  regarding a proposed settlement. representative from FLLG stated that in order to settle with the debtor ( XXXX ), I would need to add an additional {$160.00} every XXXX weeks to my existing and agreed upon payment of {$480.00}. I explained to the representative that as of today 's date, I had made deposits in the amount of {$7300.00}. Out of that total amount, the company has paid settlement fees to themselves in the amount of {$5700.00} ( 80 % of deposits made to date ) ; {$530.00} ( 7 % of deposits made ) were paid to debtors per resolution agreements, and the balance of {$200.00} ( 3 % of deposits made ) were paid for service fees. The representative from FLLG stated that they paid themselves after an agreement was reached while there were funds in the account. I explained that I felt the amount the paid to themselves versus the amount actually paid towards debtors was unreasonable and I did not agree to modification of terms. Representative stated that she would not be able to negotiate with debtor ( XXXX ) at this time unless and additional {$3000.00} was provided to by account.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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