davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (AL)

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for. 

A calculation of this balance, including the complete payment history for each account. 

Documentation for each account showing proof that I agreed to pay this debt. 

An Agreement for each account that grants the company the authority to collect debt. 

An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

Fraudulent Account for {$85.00} Fraudulent Account for {$100.00} Fraudulent Account for {$100.00} Fraudulent Account for {$59.00} Fraudulent Account for {$140.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, XXXX, and XXXX and have them to remove these incorrect accounts from my credit report.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (CA)

I called LoanCare ( XXXX ) XXXX and spoke with XXXX in the Loss Litigation department on XX/XX/2021 and requested again to be processed for a Streamline Payment Deferral Plan. 

XXXX confirmed I qualify for this program. 

My account is current and active but she could not process my request based on the advice of her supervisor XXXX. 

I was transferred to the Loss Litigation Escalation department and spoke Supervisor XXXX in the XXXX office. 

He also confirmed that I qualify for a Streamline Payment Deferral Plan but because I owe more than 18 months my request was being denied. 

I advised XXXX I respectfully disagree with the denial because I have been requesting a payment deferral for months and their delay in a proper process has added avoidable debt/months to my account. 

Had they processed my deferral like they promised me back on XX/XX/2021 I would not owe more than 18 months. 

I advised XXXX I have been requesting a payment deferral verbally and in writing for months. On XX/XX/2021 I spoke with XXXX XXXX employee number XXXX and she too qualified me for a payment deferral and she calculated {$40000.00} that was going to be deferred. She even sent me an email with a quick note of the dollar amount I was going to be short in taxes for 2022 year in the amount of {$580.00}. ( see attachment 1 ) Ultimately, XXXX did agreed with me that I should be provided a deferral plan but still he did not complete my request to close the modification and place a payment deferral request. He instead promised to send an Escalation review request email as Urgent and promised a response back via phone by a supervisor from his department no later than next Tuesday. 

I complain that Loancare failed to send my deferral documents as promised to me over the phone on XX/XX/2021 thus pushing me more in debt. 

I complain Loancare has failed to streamline my request today for a payment deferral even after I brought to light their continued bogus denial and instead is choosing to intentionally delay my request by promising me a call back no later then next Tuesday.
Consumer complaint received 2020-11-05
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. (FL)

Hello, I am aware I got behind on this account but I thought that the agreement was it would show I was up to date when I started making payments on it again 2 years ago. This was due to overzealous collection employees.Instead is shows that I was always 60 days late while making my payments. Please delete the payment history from my record as it doesnt reflect what I thought was the agreement. I would be happy with that resolution. This account is paid in full.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
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: Bread Financial Holdings, Inc. (WV)

On XX/XX/2021 at XXXX ET, I made a phone call from my personal cell phone to Zales / Comenity Support in order to request a credit line increase on my account. With my initial request, I made it clear that I did not want a hard credit inquiry, and I never gave consent to perform one. The representative said that we could do that and we moved on to the process of increasing my limit. He never requested consent to perform a hard inquiry, and if he had, I would have refused consent.

Soon after ending that call, I received an email from one of the credit monitoring services that I subscribe to with a notice of a hard credit inquiry from this request. 

I called the same support number again to request the removal of this inquiry as it was done without my consent. They asked that I submit the claim through a Secure Message dispute, which I did on XX/XX/2021, XXXX ET. 

I received a response on XX/XX/2021, XXXX ET telling me that they can not do anything and to submit the claim to yet another location. 

I called Equifax on XX/XX/2021, XXXX ET ( the credit report that this is showing on as of now XXXX, and requested to file a dispute. They informed me to request the inquiry removed from the bank and that I could submit a claim through the FTC.gov website, which directed me here. 

In one last attempt to speak to someone to help resolve this from Zales/ Comenity Bank , I called Support on XX/XX/2021, XXXX ET. The representative here would not give me any contact details to speak to anyone by phone or contact over email. 

As such, I am now submitting the claim here for help. I do plan to submit a dispute via mail, but experience and history of such dealings, has led me to believe that this will not be resolved in a timely manner. This is what brings me to submit this complaint here. 

I never gave consent for Zales/ Comenity Capital Bank to make a hard inquiry on my credit report. As such, the inquiry was done without my consent and should be removed from my credit report.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/15 an order for a cost of {$540.00} was made on my XXXX account using a credit card of mine, but I did not make or approve the purchase. I immediately contacted XXXX when I saw the charge pop up since they were the merchant, and they told me to contact my card company to report it as fraud. 

My card company is Capital One, so I called them to report the purchase as fraud ( since I did not make it ). I received notice today that they're saying I am responsible for paying off the purchase. I called them back trying to figure out why, and after playing phone tag with a few different departments I never really got a reliable answer of what I should do. 

I didn't make the purchase, the item never arrived at my address ( if it did I would just return it ), and when I use the tracking number on the order page it shows it being sent out days before the item was even purchased ( and delivered the day the item was ordered ) which makes absolutely no sense to me ). XXXX also shows the shipper being XXXX, but if I track the delivery number it's XXXX. The delivery says it was signed for by a " XXXX '', but there is nobody by that name at my address ( I live alone ). 

Capital One isn't helping, XXXX isn't helping, and I'm at my whits end. I'm about to start XXXX XXXX, so I really can't afford any unplanned ( and unwanted! ) charges to my account. I take my credit seriously and monitor it like a hawk, so I report unplanned/unrecognized charges as soon as I see them.
Consumer complaint received 2023-05-06
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. (VA)

I have tried to fix this problem on multiple occasions. It seems nearly impossible to get any assistance from Equifax on the matter considering I can not get a real person on the phone. I have called the other agencies but they still havent taken everything off, I have filed a complaint about fraudulent information be reported on my consumer credit report and it seems that some of it is still on my report.I would like the following items removed from my consumer credit report... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 hard inquiries that was supposed to be erased as well... 

XXXX XXXX XXXX Also, I have never given any permission to report late payments for this account and this account has been charged off as of XXXX of XXXX. 

This is a violation according to 18 USC 1681a section 2
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I bought several different crypto currencies from paypal. I had a seller and buyers dispute that I filed a complaint about during covid19 because paypal and XXXX had poor customer service. Specifically during this period there was no telephone support. I filed XXXX  and cfpb complaints to get answers. Paypal got angry and retaliated by advising they would be closing my accounts. Additionally they said I can not use paypal. They refuse to refund me my cryptocurrencies that have since increased in value. I am pretty sure both cancelling my account and holding the cryptocurrencies is illegal. I also did not receive any tax documents from paypal for this yet and is also illegal for them to do. Please assist me in holding paypal accountable for the held cryptocurrency issue. I had cryptocurrency for both my business account under email XXXX and my personal email : XXXX. they allow seperate accounts for each. They close all these accounts and another personal account XXXX. i expect a list of all cryptocurrency transactions mailed to me for taxation purposes. I also want the company to give me back my cryptocurrency holdings on all accounts.
Consumer complaint received 2021-09-10
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. (IN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports.This creditor has reported a late payment XX/XX/2020 to my report. Which is incorrect and I am asking this to be deleted immediately.
Consumer complaint received 2024-10-22
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. (CA)

I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Consumer complaint received 2021-09-10
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. (OH)

I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to XXXX  heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (MI)

I found a product online that supposedly improves brain and mind function. I decided to purchase the supplement for {$6.00} or something along those lines. I made the purchase on XX/XX/XXXX and the item showed up some time later. The other day I got the mail and I pulled out a debt collector trying to collect {$110.00} for something related to this company. The amount is substantially higher at {$110.00}. I have not heard or seen anything related to the company after receiving the item that I paid for. I did not receive any additional bills, correspondence, or items. Upon contacting the debt collector and explaining my situation they were extremely unhelpful, rude, and unprofessional. I was told to XXXX XXXX, that i had a XXXX attitude, that I was lying about receiving additional product ( s ), and was hung up on by three different people. I was under the impression I was paying for the product one time which I did. One of the employees told me " you need to watch what you click agree to next time ''. I haven't been given any information about what the charge is for, why i'm being charged, and why i'm being charged but haven't received any bills for whatever they are trying to collect money from. The debt collector hangs up on me because i refuse to pay them but I do not believe a debt collector would act so unprofessionally, they have not established themselves as legitimate debt collectors, and I don't know what the debt is for. So, I am not paying for anything. The whole thing sounds like a huge scam and the company XXXX limited has numerous scam reports online as well as a news article with a reputable news company. Searching up the debt collector, all of the complaints that I saw were related to this XXXX XXXX XXXX and a lot of the people seemed to be suffering the same issues I am currently suffering. If this is a matter of being charged for an additional product, I have United States Postal Service services in which it shows what packages are delivered to my home and I can prove that I received nothing additional from this company. The company XXXX XXXX doesn't even have a website.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

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.

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 2024-09-03
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc (NV)

On XXXX I mailed out a Debt Validation Letter to Hospital Collection Services. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. They are stating they mailed out 2 validation letters in XXXX. I have never gotten a phone call about this debt trying that they say they have tried to collect. 

Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act
Consumer complaint received 2022-06-05
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. (CA)

I disputed with Experian, XXXX and XXXX XXXX that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, XXXX with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the XXXX major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to Experian and XXXX XXXX. XXXX online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with Credit karma and provided the payment history and they provided the payment history to XXXX along with that I sent the information via XXXX Mail to XXXX twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to Experian, XXXX or XXXX XXXX to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to Experian, XXXX and XXXX XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a XXXX XXXX and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to XXXX for help in resolving this matter.
Consumer complaint received 2021-12-15
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. (WA)

I give authorization for XXXX XXXX to move forward with this complaint. This account is currently in litigation in a Federal Court suit against XXXX XXXX XXXX. The account went to litigation due to a billing error that was ignored by XXXX XXXX. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to XXXX XXXX.