davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to TransUnion identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. TransUnion and XXXX  continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.
Consumer complaint received 2021-05-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: KEYCORP (NY)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Key Bank was then given my information without my consent or permission Pursuant to 15 U.S. Code 1602 ( p ) then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt under FDCPA Section 809 ( b ) key bank continues to violate with collection activity and haven't validated anything they failed to provide authentic documentation which clearly indicated no such matter existed there are four elements in a lawful contract and there was no Full disclosure Equal consideration lawful terms and conditions and signatures of both parties they then repossessed the vehicle Breaching the peace in which they clearly had no intrest in pursuant to 1692e ( 6 ) 1692f and furnishing fraudulent documents defined in,15 USC 1692j FTC report # XXXX Attorney General Intake Reference Number is # XXXX they failed to include insurance pursuant to 15 USC 1605 and failed to disclose that pursuant to 15 USC 1635 i had a right of rescission pursuant to 15 USC 1692f ( 6 ) ( a ) ( b ) they are threatening to sell my vehicle in which is a violation I AM A FEDERALLY PROTECTED CONSUMER TEHY NEED TO FOLLOW THE LAW.
Consumer complaint received 2022-07-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/22, I informed the company Experian of reporting inaccurate information on my consumer report. Ive disputed the validity of XXXX XXXX XXXX, requesting proof of my signature to confirm that this assumed debt is mine. Ive requested this information numerous times and have never received any pertinent information. The account is reporting as paid for a collection/ charge off but does not include in the comments that the account is disputed. The payment history on the account is also reporting inaccurate information. On another account reporting by Experian is XXXX XXXX, there is inaccurate/ unverifiable information reporting including the account status ; the date open ; the last reported date ; the comments ; date last active ; date of last payment ; and payment history. I've requested the method used to report these accounts to my Experian report, as the consumer what authorization was given for these accounts to be reported, I want the entire file on these accounts to include my signature on the original contract.
Consumer complaint received 2021-06-10
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. (TN)

a few months back as I tried to refinance my house I noticed that all 3 bureaus have wrong date of birth and name and address and also were reporting bankruptcy and car loan and a credit card account that I did not recognized. I disputed with all 3 bureaus and provided them with all my state and federally issued ID and utility and property tax and social security and date of birth to help them correct my personal information and remove the bankruptcy and the 2 accounts with XXXX XXXX XXXX XXXX, but after so many registered mail they still continue their report with wrong report and have not correct anything, they have not responded to my last 3 registered mail and I am not being able to refinance my house and financially this is damaging me.
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-04
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: I.C. System, Inc. (VA)

I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX  months.
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Carrington Mortgage Services is ripping off consumers. I've had several mortgages over the years and have NEVER encountered one that charges fees for any type of payment, except if made by check ( who uses checks anymore ) or autopay. Any online payment or payment by phone or even bank draft has an added fee assessed. This is not fair or convenient. I typically pay added money against the principal. Now that servicing has transferred to Carrington, the only way to pay on added principal without paying a fee is by mailing a check. This practice works as a deterrent to payments. Their bogus, needless fee structure harms consumers while padding their own wallets. it should be unlawful for a mortgage servicer to assess payment fees that are not customary throughout the industry. This is especially significant because consumers do not choose the mortgage servicer assigned to them. Please stop stealing money for no added service.
Consumer complaint received 2023-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I applied for a new BoA credit card online on XX/XX/XXXX. Then I received an email on XXXX saying my application was approved and should expect to receive the physical card in XXXX business days ( which is between XX/XX/1823 ). 

However, on XX/XX/XXXX, which is before the expected card arrival date, when I log into my BoA banking system, I noticed some charges ( XXXX in total ) were post under this new card. I never received the card, nor did I have a chance to activate the card. So the charges must be credit fraud. I contacted the customer support of BoA immediately. The agent helped me to close that card, ship a new card to my home, and create a ticket to research my case. The mis-charged amount was also temporarily removed from my account. I thought the issue was resolved. 

On XX/XX/XXXX, I noticed those amounts were charged back to my account. I went to the secure message center to check my case status. It was closed with the conclusion that my card was actually used by myself or someone I have authorized too, or it was simply lost because of my mistake. Therefore the bank refused me to dispute the transaction. But my point is, if I never received the card, why it is considered my fault to lose the card? Plus, the address I put in the application is my current address. So there is no way for them to send the card to another location. Plus, how did the card get activated? Thought my phone sms code? - My phone was not lost and I never got or sent code for that. I reached out to their customer support again. This time, their response literally shocked me. The agent said they can not help my case further because the card was indeed used. I asked further details about why it can be used without activation, or if they can provide further details about how my card was activated. The person literally said no the card can be used without activation. If it's true, I feel the entire authentication system of BoA is concerning. I don't even feel comfortable to keep the other account I opend with them, since I'm not sure if my money is safe under such a vulnerable platform. 
Besides even if they want to do this, can they at least make sure the card sent can be securely delivered to the customer? Otherwise, why it's the customer responsibility to pay the cost? What mistake they have made?
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-06-23
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. (LA)

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SC)

From XXXX prior complaints that had been closed, PNC mortgage continues to notify me that the situation has been resolved but as of today, my monthly escrow amount is double what it should be. I've attempted to request them to revalulate my escrow in the past and each agent responds by saying : either they only do revaluation in XXXX & XXXX, OR it can only be done once a year ( XXXX ), OR they have submitted the request. In prior year XXXX, my annual insurance premium was {$680.00} and my property tax was {$210.00} so therefore my total yearly escrow amount should be around {$900.00} yet my monthly escrow amount is {$200.00} which amounts to {$2400.00} ( an overage of {$1500.00} ). So now they said they issued a refund of {$1500.00} on XX/XX/XXXX ( though i have not received it yet as of XX/XX/XXXX ) BUT my next monthly escrows is still set at {$200.00}. I have tried to request that i take over paying my tax & insurance and thus close the escrow account but they said I would have to pay an escrow closure fee of {$120.00}.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (TX)

GENERAL REVENUE CORP hasn't validated this allege debt and is seeking to get money from me as well as report negative debt to the credit reporting agencies. I don't owe this money to them. I asked for the CFPB help on XX/XX/2021 and I have yet to get any resolutions. Its still being reported and I feel General Revenue Corp is getting a way with murder. I feel discriminated against because I am XXXX and they think I don't know my rights.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/XXXX I filed a dispute with XXXX, XXXX, and XXXX  for Portfolio Recovery Acct # XXXX ( Docket no XXXX ). My dispute was Portfolio Recovery is reporting a " higher amount '' for the original charged off amount and the amount currently owed. Portfolio is " rounding '' the amounts to the next dollar. This is not an accurate reporting of what is actually owed. Portfolio " verified as accurate '' and only " updated '' the " date of balance '' for the disputes and sent me multiple duplicate correspondence letters ( ref # XXXX, ref # XXXX & ref # XXXX ) which show I was correct about the exact money amount that should be reporting. ( documents uploaded ). The original sold amount was {$500.00} not {$500.00} as being reported to the Credit Reporting Agencies. They also sent a balance owed correspondence showing {$500.00}, not {$510.00} as being reported to the Credit Reporting Agencies. ( documents uploaded ). The dispute should have changed the " amounts '' instead of being " verified as accurate ''. The credit reporting agencies noted a remark saying " item disputed. Consumer disagrees. Meets FCRA requirements. '' Verifying an 'inaccurate " amount does NOT meet FCRA requirements. 
Upon further investigation of this account, I found correspondence from the Trial Court of Massachusetts, ( documents uploaded ) where the Attorney for Portfolio Recovery entered a ACKNOWLEDGEMENT OF SATISFACTION OF JUDGEMENT for this account on XX/XX/XXXX. They notated this account was FULLY SATISFIED. This means the account has actually been misreporting to the Credit Reporting Agencies and should have reflected a {$0.00} balance since XX/XX/XXXX. I filed another dispute for this account, with the 3 CRA 'S on XX/XX/XXXX to upload the additional information from the court.
Consumer complaint received 2022-06-23
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. (LA)

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (IL)

I received a letter from XXXX XXXX XXXX and Castle Credit, letter dated XX/XX/XXXX, stating this is a " Second Notice of Fraud Claim ''. I have never received any letter from XXXX XXXX XXXX nor Castle Credit regarding this fraud claim before today. This is the only letter I have ever received. I have even emailed them, as they requested by phone, and I have not received any response by email either. Neither Castle Credit nor XXXX XXXX XXXX has mailed me before this letter which claims they need proof of my current residence and a complete police report. I have contacted the police and they guided me to report the Identity Theft to the Federal Trade Commission, which I did originally on XX/XX/XXXX but had to file another Identity Theft report on XX/XX/XXXX due to other fraudulent accounts listed on my credit reports. I have also mailed Castle Credit and XXXX XXXX XXXX several letters which included my FTC Identity Theft Report, Drivers license and notarized identity affidavit, all by Certified Mail and have proof of delivery of the mail I sent. I will not continue mailing or sending my personal information to Castle Credit and XXXX XXXX XXXX and this will be my last contact with them. I am attaching copy of the only letter I ever received from Castle Credit and XXXX XXXX XXXX and also a copy of the original invoice/receipt, which i obtained from XXXX XXXX XXXX XXXX  XXXX based out of XXXX XXXX  and whom told me by phone that they do not have my name in their records and that a XXXX XXXX was the one that was billed for the total amount of {$15000.00}. I was not given any other information and I was emailed this invoice/receipt today on XX/XX/XXXX. Castle Credit and/or XXXX XXXX XXXX have put a lien on my property but never had any business with XXXX XXXX XXXX XXXXXXXX, Castle Credit XXXX XXXX XXXX Finance or a XXXX XXXX XXXX I want this Lien removed ASAP, as I will sue for my time used in this investigation I had to do myself and which I have requested Castle Credit XXXX XXXX XXXX XXXX to do but still have not done so. Also, the letter I received from XXXX XXXX XXXX has a contract with an XXXX XXXX, who I also have never had any business with and the copy of that contract has my name but not my phone number nor email address and I definitely have never signed. I will also email XXXX XXXX XXXX XXXX Castle Credit a copy of this XXXX XXXX XXXX XXXX original invoice and let this serve as proof that I never had any service done with XXXX nor Castle Credit nor XXXX XXXX XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (OH)

I requested a refund of {$10000.00} from EdFinancial for a portion of my loan payment paid after XX/XX/XXXX. I requested the refund via phone call on XX/XX/XXXX and they said they would submit a request for a refund but were unable to provide any confirmation that I submitted a refund request. I have called again on XX/XX/XXXX and they told me my refund wasn't on file so I asked for them to submit a refund request again. Since then there has been no update about my refund. The people I have spoke to at EdFinancial have not provided any information as to the status of my refund and each person I talked to has been extremely unhelpful and will not give me any clear information about my refund.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

The company was written XX/XX/2022 and advise to update my address which is my current address and name and not number they said I sent a letter with a request to update my personal. 

I believe someone is fruading my personal information because old information is showing up in my account