davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

Since XX/XX/2020, Helvey & Associates, Inc at XXXX XXXX XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of {$280.00}. 

The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-07-18
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: Carter-Young, Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-07-18
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. (CO)

My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to Experian and uploaded documents to show that I paid every month of the disputes items.

Experian came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the Experian website. 

The name of my mortgage company is XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT XXXX
Consumer complaint received 2021-07-19
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. (AR)

Transunion be advised that there has been a mistake and misunderstanding concerning the XXXX XXXX  Account # XXXX. This XXXX XXXX  is not in a Bankruptcy and never was put in a Bankruptcy. The pay Status showing this account to be included in a Bankruptcy is inaccurate reporting, please update and remove the Bankruptcy Status. As far as the 3 late payments that were showing on my XXXX XXXX  Account, I have contacted XXXX XXXX, and they will be sending you notification that those 3 late payments are inaccurate.
Consumer complaint received 2022-09-27
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}
Consumer complaint received 2022-12-30
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-18
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. (MD)

Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I filed a complaint # XXXX as Experian has stopped computing and publishing my XXXX  score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for 7 months now. After investigating with XXXX XXXX XXXX XXXX, where I do have a XXXX  Mastercard account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure cause and resolve the issue.
Consumer complaint received 2021-07-18
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. (OH)

Hello : for 3 years I've been disputing with Experian as not only have they allowed my personal private information to be leaked they also refuse to update my report per Comprehensive Credit Act of 2020 section 401. They have bad information for a Bankruptcy on my file and some car loan. I've never been held to a contract for these two items and therefore they should not report on my credit as they are not mine. I called the courthouse where some entity pursued a Bankruptcy in my name but they refuse to discuss things with credit bureaus per the clerk. I asked for any paperwork signing off on a Bankruptcy but to no remedy. XXXX  has remained in compliance and removed the fraudulent Bankruptcy. At this point, I'm ready to pursue litigation against Experian as they owe me money for each negative item that remains on my credit report un solidified. Please advise and help prior to my filing things against Experian in Federal Court for fraud!
Consumer complaint received 2022-06-20
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. (CA)

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 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
Consumer complaint received 2021-07-18
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: Resurgent Capital Services L.P. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - Capital One Auto Finance XX/XX/2020 XXXX  - Capital One XX/XX/2020 XXXX  - Capital One Auto Finance XX/XX/2020 In addition, there is a duplicate inquiry from Capital One Auto Finance on XX/XX/2020 listed on my XXXX  credit report.
Consumer complaint received 2021-07-18
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. (AZ)

on XX/XX/2019 I filed bankruptcy with the USBK Court of Arizona. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the Court of AZ and they have stated that they DO NOT report to the credit bureau. I submitted a dispute to EQUIFAX to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the USBK Court of AZ stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to EQUIFAX and they can not provide me with the source they spoke with at USBK COurt of AZ to verify this account is valid.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was a victim of a fraudulent job scam. I deposited a check the check bounced the bank froze my account I called them this happened on XX/XX/XXXX the check was XXXX. I called and spoke to several people telling them what happened they were inhuman taking all my IRS payments, stimulus money XXXX to settle the debt. They cleared a fraudulent check. I paid through XXXX I begged them to help me and not take all that money in a matter of days they recouped by taking everything that came their way. Let me and my children with XXXX nothing to live on. The Citizens bank should not clear checks in full amount until they have their funds. The XXXX XXXXXXXX XXXX XXXX should compensate me.
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

On XX/XX/2021 at XXXX, my partner received a call from XXXX XXXX XXXX NMLS ID # XXXX XXXX about information she submitted online about a mortgage refinance. During the phone call, she asked if she would even qualify for a refinance and told him she just wanted an idea on the numbers she might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. She told him she had just lifted credit freezes from XXXX  and XXXX. After he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. My partner and I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my credit score 3 points which resulted in my credit score not being in the excellent range. After we received the notifications, my partner immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' My partner repeated that she received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediately, my partner checked her email which had an email sent by Mr. XXXX at XXXX, stating that a mortgage application had been started. At XXXX XXXX, my partner called Amerisave 's customer service team and who said she would report this information to Mr. XXXX 's supervisor and have them reach out to her to correct the issue. My partner also tried to report this to the credit bureaus but they require you to call during their business hours.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have overdraft protection with the Bank of America. Yet it continues to charge me {$35.00} per overdraft! 

XXXX XXXX. {$35.00} XXXX XXXX. {$35.00} The result is constant overdraft of my account. 

I am under the overdraft protection not to be charged an overdraft fee yet the Bank of America continues to do this despite my many complaints to them! 

Totally outrageous!
Consumer complaint received 2022-09-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CO)

Was on a trial payment plan for XXXX, XXXX and XX/XX/2022. Newrez-Shellpoint reported to the credit bureau that I was late for each of the three months. It is my understanding that when on a trial payment plan, you would not be reported as late as long as the payment was received in the month it was due. 

Because of this reporting to the credit bureau, Newrez-Shellpoint has damaged my credit score and prevented me from getting a HELOC when the interest rates were lower. I have equity in my home that I wanted to utilize for repairs and car purchase.
Consumer complaint received 2021-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (WA)

The XXXX XXXX XXXX, which put into law the suspension on federal studen loan payments and interest, was enacted in XX/XX/XXXX, and is still in effect. According to federal law, during the payment suspension period, the Department of Education and its loan servicers were required to report each month of suspended payments to credit bureaus as if it were a regularly scheduled payment made by a borrower. This suspension should have not have resulted in the negative impact on student borrowers ' credit scores. And yet I have evidence that AES/PHEAA has in fact reported my missing payments since XX/XX/XXXX as " past due '' to the credit bureaus, thus misreporting my student loan payment status, and tanked my credit score. I paid my student loans on an income-sensitive repayment plan, in full, on time, since the pandemic started but needed some financial relief beginning in XX/XX/XXXX when I lost a significant amount of unemployment relief. AES/PHEAA was aware of this, when I reapplied for an income-sensitive repayment, and raised my payment amount. I was unable to make those payments. I have recently been able to pay them some money towards my " outstanding balance, '' in an effort to raise my credit score back to where it belongs and where it should have been if AES/PHEAA had not, either mistakenly or deliberately, misreported my student loan payment status to the credit bureau. It is heinous that keeps happening to student borrowers, but especially during a pandemic and financial crisis where people are still suffering significantly from a year of reduced income, unemployment, and financial hardship.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

For the last year Experian has not updated my report. They have not update my score nor have they updated my total debt. They are literally impossible to speak with. They only have a automated system that is 100 % useless. For instance they lowered my score XXXX points in XXXX for a collection account which was fraud. I had the collection removed and the points never retuned and i had made my credit situation much better by paying down credit cards and loans and still Experian did nothing. There is no way to work with them and I'm really getting anxiety over this please help. Non Experian apps update but not Experians.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC (WA)

This is another attempt to resolve this matter ; exhausting my remedy prior to taking legal action against LOANCARE and all of its affiliate entities i.e. newrez, etc. On numerous occasions, I attempted to resolve/settle this issue with the LOANCARE ( I demanded proof of a valid contract with Signatures between me and LOANCARE ) but LOANCARE never responded. 

LOANCARE is engaged in FRAUD and CRIMINAL ACTIVITY ; obtained my personal information from various sources ; to create a fraudulent credit account. I NEVER authorized LOANCARE to create a credit account. 

FRAUD : 1. In XX/XX/2019, I became aware of the fraud. 
2. This account was opened without my knowledge and without my consent.

3. I DID NOT request to open this account and I DO NOT have a written agreement to open a LOANCARE account ( no communication ; no signature ).

4. I NEVER made a contract for services or payment to this fraudulent creditor.

5. Numerous occasions, I contacted the fraudulent creditor ( LOANCARE ) to inform them that I do not owe this debt. I demanded that the fraudulent creditor to provide the original ; signed agreement between the Principal and LOANCARE. LOANCARE failed to reply.

For two years, I have been subjected to ongoing fraud, extortion, harassment, conspiracy, and injured ( i.e. negatively impacted consumer credit profile/rating ) directly ; due to the actions of LOANCARE ; who continuously report false and fraudulent information to the three credit reporting agencies.

On four occasions, I disputed the information LOANCARE provided to the three credit reporting agencies. The disputes were futile because my personal credentials were compromised and used to support the fraudulent activity. IRONICALLY, the three credit reporting agencies validated the fraudulent credit account BASED upon my validated personal credentials, which were used to support the fraudulent credit account. 
I NEVER provided any personal information or data to LOANCARE. 
I NEVER agreed two terms and conditions with LOANCARE.

There is NO CONTRACT nor agreement between me and LOANCARE.

I NEVER made a payment to LOANCARE.

DEMAND to fraudulent creditor : Provide the original ; signed agreement ; displaying personal signature.

LOANCAREs operations are unethical and fraudulent and MUST be terminated immediately ; numerous similar complaints posted online.
Consumer complaint received 2022-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (OK)

XXXX listed a collection on my credit reports that has been placed with Sunrise Credit Service. I have requested debt verification and have not received it. I canceled service due to a move. I returned all equipment to an XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from my 3 credit bureau 's immediately or I will take legal action.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.