davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MO)

Received a phone call from person named Mr. XXXX from National Credit System, who said that I own almost {$1000.00} amount to an apartment I was renting before leaving in XX/XX/XXXX to join the XXXX XXXX. 

The individual have said that my security deposit ( {$500.00} ) and my pet deposit ( {$400.00} ) didnt cover the amount to fix the apartment even though I called the leasing office and asked them about it and about the water bill if it could cover it and she said yes, it will cover. 

Anyway, I kind believed the person at first and said yes I will pay it once I get paid, but what caught my attention was he insisted in providing my debt card number, which I responded I dont have any money right now and I will pay half of the amount by Friday, but he got frustrated and said that if I dont provide my debt card number right now, my debt will be unprotected status. Can someone please explain what does that even mean? I asked him to send me an email plus documentation that proves that I own money to XXXX  XXXX XXXX  in XXXX Florida and I want to pay it online but he said yeah, yeah sure I will send it ( he asked for my email in the beginning of the phone call ) and repeated that my debt will be unprotected status. 

Last thing, the person said he is from the National credit system therefore I am assuming he works for them. So, the company name is National Credit system and this is their website : https : //XXXX Also, attempted to contact the alleged company and their phone doesnt work and sounds weird. Therefore, I dont own no one my hard earned money.
Consumer complaint received 2022-08-21
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. (WA)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX 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 2022-06-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XX/XX/XXXX Payment and XX/XX/XXXX payment were never late. Company through customer service investigated and found that those payment were made on time. They agreed to fix already but have not. 

This relates to my Kohls Card.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U. S. C 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (TX)

My American Express credit card provides a feature to extend warranty of a product by 1 year in addition to the original manufacturer warranty. I had bought an XXXX XXXX in XXXX of last year via this credit card from XXXX XXXX and all of a sudden the product stopped working couple weeks ago. I called American Express and filed a claim and was told that they will send me an email if they need anything else. I called again after 3 days of filing the claim but the person said I can not provide you the status and I will receive an email in couple days. I then receive an email stating that this feature is not available on my card. This is totally inaccurate/false as I have used the same feature before on exactly the same card and even there website provide this feature description after I logon to my account on their website. It is totally unfair and bait and switch practice that is just hard to accept. I am providing the key details below : Amex Claim # XXXX XXXX XXXX Charge Amount : {$270.00} Date : XX/XX/2020 Product : XXXX XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mendelson Law Firm (MS)

XX/XX/XXXX Notified of debt via USPS mail XX/XX/XXXX Contacted the office via mail for debt validation ( no response ) XX/XX/XXXX I contacted Mendelson and Mendelson and talked with XXXX ( ext XXXX ) who informed me that the debt was valid and I had to start making payments or I will be taken to court. She indicated to mail the payments, but I told her I do not recall that I owed the debt and I would like proof of such before making payments. I also asked how old was the debt since I could not remember owing. She indicated that they verified that the debt was valid through an internal process and that it will take a while for them to process my request for proof and that the age of the account did not matter because I can be sued at any time. However, while we wait, I must mail the payments or I will be immediately sued. She initially told me to mail money orders, but I requested portal access for documentation purposes XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX, XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX - Notification of lawsuit XX/XX/XXXX - Talked with XXXX at Mendelson and Mendelson and informed her of the lawsuit. She said the purpose was to ensure that I continue to make payments and that she could send me out a payment arrangement document to sign or a settlement form and the lawsuit would be over. I directly asked her was it a payment arrangement or a judgement. She then replied a judgement. I told her that I was not going to agree to anything without knowing I owed the debt. She then told me ( as they usually do ), that I do not have to respond to the lawsuit because since I called in, I have fulfilled what I needed to do. This information given by XXXX was incorrect. 

XX/XX/XXXX - Responded to the lawsuit again requesting validation ( copies filed in the local courts and sent law firm a certified letter USPS Tracking number XXXX XXXX XX/XX/XXXX - Mendelson Law Firm sent a consent judgement erroneously indicating that I agreed to it. I did not agree to such at all and did not sign it. 

XXXX XXXX - Received payment history with last delinquency date of XX/XX/XXXX XX/XX/XXXX - File another response in the court and sent same letter to Mendelson and Mendelson informing them that they violated my rights to proper debt validation and the lawsuit is time barred for enforcing the debts through the courts. ( USPS Tracking XXXX ) XX/XX/XXXX - Menndelson Law Firm sent and filed a copy of a Notice of Service ( Deposition? ) with the court despite that this debt is time barred.
Consumer complaint received 2021-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I have been a victim of identity theft, Ive been harassed. I didn't give anyone permission to share, sell, trade or anything that involves sharing my information to someone else. Show me proof that I gave you permission to have my personal information. Show me Front and back copy of an authenticated application bearing my autograph. Show me proof that I gave you written permission to furnish anything on my consumer report. I need to see the following from you Name and address of alleged creditor. Name on file of alleged debtor. Alleged account #. Address on file for alleged debtor. Alleged account #. Amount of alleged debt. Date ( this alleged debt became payable ). Date of original charge or delinquency. Was this debt assigned to a debt collector or purchased? Amount paid if debt was purchased. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants Wakefield & Associates the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to Pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the bonding agents for XXXX XXXX in case legal action becomes necessary : Authorized Signature of Creditor : XXXX Date : ____________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt. If you can not comply with. I need this to be deleted from my consumer report, failure to comply will result in {$1000.00} for each violation you are harming me with. I am very stressed out from this treatment.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened two Capital One Accounts two years ago. I have remained in good standing with both accounts. I was never late on any payment with Capital One. In the beginning of the XXXX billing statement I contacted Capital one and informed them that I was getting a promotion and the XXXX XXXX XXXX at my employer would be changing my direct deposit date. Consequently, I would be paying my credit card bill a week late. I was pro-active and extremely diligent in my efforts to remain in perfect standing with Capital One. Unbeknownst to me, Capital One continued to process my payment via. my XXXX XXXX XXXX account and the payment was declined. They tried again to process payment a day later and the payment was declined once more. On XX/XX/2023 Capital One closed both of my Credit Card accounts. I was extremely disappointed and tried my best to remedy the situation. Unfortunately, my accounts remained closed. Capital One couldn't give me any reasonable reason except it was system generated. I would like both of my credit card accounts reviewed and re-opened.
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY (IL)

I am involved in disputing a fraudulent unemployment claim that was filed under my name, and I had received a letter in the mail stating a checking/debit card was opened in my name, when I contacted the company they said this account that was opened was possibly something to do with the fraud unemployment claim. The company XXXX sent me a ID theft affidavit that I am in the process of filling out for them.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

I have advised this company that this debt is not owed, however, they have place this on my credit report for the second time. I have shown proof of such, which was ignored. Due to the fact that the dates are incorrect as well as the balance on my credit report my next step will be to file suit.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, I was alerted to one fraudulent transaction on my card. I immediately blocked it and called to verify my identity. The bank then allowed nearly $ XXXX in additional fraudulent charges and a false payment on the account despite my validating identity, that the card was in my possession, etc. 

They even allowed someone to make a fraudulent payment which was reversed. 

It has seriously impacted my credit and the fraud team can't explain it and are saying it will take several more weeks and no explanation as to the error in their process. At one point they wanted me to mail documents when they couldn't secure the digital version!
Consumer complaint received 2024-10-16
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. (MS)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I called New Rez / Shellpoint mortgage and spoke to XXXX XXXX. I had checked my credit report and noticed that they had reported a 30 day late payment on XX/XX/XXXX, This mortgage had already been paid off XX/XX/XXXX. XXXX was surprised and assured me he would advise the department that incorrectly reported the error to have it corrected, he also advised me to file a dispute with XXXX, which I did on XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke with XXXX XXXX and was told that the report would update soon. As of XX/XX/XXXX still no correction so I call back and speak with XXXX, she advised that I would receive a letter of correction very soon. On XX/XX/XXXX I receive a letter from NewRez in response to my recent inquiry stating they are working on gathering information and will forward it as soon as possible. 

I make a call on XX/XX/XXXX and speak with XXXX XXXX, I asked if I can get an email stating they have corrected the reporting, he said he would send an email confirmation of the correction. I never received an email correction but I did receive an email which was a copy of my complaint to XXXX  with DRAFT written across it and it was submitted by XXXX XXXX. 
On XX/XX/XXXX I called back again and spoke with XXXX, again I was advised that it will take another 30 days for correction because they only update once a month ... .Now I am beyond frustrated. 

Here we are on XX/XX/XXXX and still no resolution so I call back and speak to XXXX XXXX who advises me there is nothing she can do, I then ask to speak to a supervisor. several minutes later XXXX, who identifies herself as a supervisor ( not sure if that is correct spelling ) said there is nothing she can do unless I send in my credit report. I asked her why I have to go through all the hoops when they made the error? I then asked her to read all the notes and she said there were too many for her to read .... seriously?? 
She was absolutely the least professional person I spoke to during this ordeal. 
I have been beyond patient with this terrible experience and would hope no other NEWREZ/SHELLPOINT customer will have to go through this.
Consumer complaint received 2023-03-28
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. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (CA)

XXXX XXXX XXXX furnished a collection on my consumer report. Where did this collection come from?? 
XXXX XXXX XXXX, YOU ARE BREAKING THE LAW. 
See exhibit attached, the notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, which took effect XX/XX/2021, You XXXX  XXXX XXXX, have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission, nor will I ever give you or any debt collector permission, to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my personal information. You actions result in AGGRAVATED IDENTITY THEFT 18 USC 1028A. Knowingly and wilfully transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

So I have called XXXX. XXXX. And. Experian. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

There are several collection accounts on all 3 of my credit reports that are fraudulent and a result of identity theft. I've disputed these accounts multiple times but they have yet to all come off my reports. Can someone please help me get these collection accounts that are not mine off as they are hurting my credit? My wallet was stolen on the city bus about a month before the date on the 1st of these collection accounts. I '' m assuming that these accounts are from whoever stole my wallet and has my identification. These accounts are all from Wakefield & Associates and they are all for several thousands of dollars. I really need help removing these accounts and I'm not sure what else I can do because I've already reached out to both the creditor and all 3 credit bureaus.
Consumer complaint received 2021-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.