davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (PA)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This HARRIS & HARRIS account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2019-10-03
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: U.S. BANCORP (WI)

On my Visa statement ending XX/XX/2019 through US Bank there were several fraudulent charges. I contacted the bank and they reversed all of the charges except one. That being transaction reference number XXXX on XX/XX/2019 in the amount of {$1000.00} for a round trip flight to XXXX from New York. I did not fly to XXXX or any where and can not leave the country as I do not have a valid passport. Further attempts to get this charge reversed have been ignored.
Consumer complaint received 2022-02-15
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. (FL)

Submitted a dispute on XX/XX/2022 which was fraud related. Per 605B, Ive supplied my SSN, Passport, and FTC complaint. Experian has acknowledged that they reviewed/received all documents and they ARE VALID. However, they have refused to comply with the standards and guidelines, per the FCRA & FTC. This has caused hardship, aggravation, and stress. I have been overwhelmed by staying on the phones XXXX & XXXX hours at a time since XX/XX/2022. Experian has received updated documents and I have completed everything outlined in the policies according to both Federal law and Experian. They have advised that XXXX will have 30 days to respond. In actuality, Experian only had 4 days after they received the documents to remove, block the items and THEN notify the data furnisher. They have instead sent a copy of my SSN card, and passport to the XXXX party.
Consumer complaint received 2021-10-06
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

On XX/XX/XXXX I mailed a letter via USPS to Lexis Nexis who is located in XXXX, GA disputing the bankruptcies that are listed on my credit report and also Lexis Nexis report. See the letter attached in the file below. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that the bankruptcy case # XXXX have been removed from my Lexis Nexis report as they were unable to verify the accuracy of the bankruptcy they have listed. Also bankruptcy case # XXXX was also removed from the verified reports. I have attached all letters responding to all of the conversations. I have then proceed to call Lexis Nexis AGAIN in regards to the bankruptcies not removed from my unverified report. Lexis Nexis stated to me that they had 45-60 days to investigate my dispute via company policy. As of XX/XX/XXXX, I was notified that the dispute came back as verified. Verified through where? Lexis Nexis will not state the source of the investigation. According to their own company policy they have 45-60 days to investigate the dispute, which would mean by XX/XX/XXXX would be the deadline to receive a response NOT XX/XX/XXXX. I was told that if the item is not verified by the 45-60 day timeframe it would be deleted. Lexis Nexis refuses to delete this item off of my report. They now state that they have an additional 45-60 days to investigate again. WHAT? We are already past the deadline they have via their company policy. This item is to be deleted. The courthouse does NOT release public information to 3rd party companies and Lexis Nexis can not verify this through their " source '' without my full social security number which the courthouse does not have nor any other source including XXXX. According to XXXX XXXX website they do not have full social security numbers listed anywhere in or on their website and the courthouse does NOT RELEASE information to 3rd party companies which would include Lexis Nexis. How is this item being verified? It's not. It's unverifiable and needs to be deleted immediately.
Consumer complaint received 2019-10-02
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. (CA)

I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.
Consumer complaint received 2020-08-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-18
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. (MS)

XXXX, Equifax and XXXX  are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as XXXXXXXX XXXX
Consumer complaint received 2019-10-03
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. (SC)

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 2024-12-09
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (NY)

Facts : - At the end of the lease for my XXXX XXXX XXXX in XX/XX/XXXX, I visited my closest dealership to review the most current models. A sales manager at that Hyundai dealer convinced me to purchase a new XXXX XXXX XXXX without using Hyundai Capital financing but assured me that I would still receive certain benefits as though I had. Most important was offsetting the " turn-in '' & other excess damage fees. 

- When I received the new car, a very eager junior salesperson failed to collect the XXXX key fob ; and subsequently requested that I return the next week to deliver it. 

- When I did return the key, the dealership originally claimed it was too late because the vehicle had already been " grounded. '' - I subsequently received a lease close-out invoice in the amount of {$970.00}, which included the cost of the key fob plus a turn-in fee & charges for excess mileage. 

- I vociferously disputed the invoice with the dealership & Hyundai Capital, and after more than 2 months of my regularly calling and requesting follow-up, Hyundai agreed to correct the invoice and remove the charge for the key fob. 

- I immediately asked for a copy of the corrected invoice and was initially refused. I plainly asked, " How do you expect me to pay a bill I have not seen? '' and the agent terminated the call. This was on or about XX/XX/XXXX. 

- When I called again on or about XX/XX/XXXX, an agent promised that I would receive a corrected invoice at my mailing address within XXXX business days. This did not happen. 

- I then called again on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( which was fraudulently logged on XX/XX/XXXX ), XX/XX/XXXX ( an actual call ), and XX/XX/XXXX. 

- Each time I was informed by an XXXX employee that I would receive a corrected invoice via email or regular mail. No corrected invoice has ever been delivered. 

- Each time after XX/XX/XXXX, I was told that a " Supervisor '' would call me within XXXX business hours. It has been more than XXXX business days, and I have never received any return call from a Supervisor. On the contrary, I have learned that fraudulent calls that never occurred have been noted on my account. 

- I have never received via email or XXXX postal service a written explanation of the correct final payment due on this lease. 

- Ignoring this critical and legally required information, Hyundai Capital has delivered knowingly false information regarding my payment status to several national credit rating agencies. 

- After stating the above facts in an email I finally received a call from a Supervisor on XX/XX/XXXX, who finally ordered a correct invoice, which Hyundai Capital back-dated to XX/XX/XXXX.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2021, I have experienced financial hardship and was unable to make my monthly payments. On XXXX XXXX, I contacted SPS and applied for mortgage assistance program. From XXXX XXXX to XX/XX/2021, I have been repeatedly sending the same documents and SPS refuses to review the documents, or stalling for time to review my documents. I have been in compliance and SPS lender has been negligence in reviewing my mortgage assistance documents appropriately. 
I am requesting an investigation on this matter. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-24
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

US DEPT. OF EDUCATION/XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I recently consolidated my student loans. I had closed student loans on my credit and could not contact a particular company to verify anything because they are now closed, and some seemed to be showing up multiple times ( as it seems they were duplicated? And accounts get sold, etc ). It was the ORIGINAL COMAPNY that I took the loan out with. So, since I am trying to clean up my credit and figure out where everything is at and can not verify anything with them, I disputed some ( but Experian wouldn't let me do them ALL because they were DUPLICATED!!! ) And explained that they have been closed, they latest one since was canceled in 2011, the company is closed, I can't verify any information, I have since consolidated everything, with that and because of the time frame I want it removed from my credit. INSTEAD they update my report the NEXT day saying they closed it, everything is permanently and remains the same and as of last month those loans belong to the government. All of the information stayed the same. The open date. The close date. The amounts. But the updated date changed. And my credit score drastically dropped! I sent them pictures of the national loan data base showing them ALL my student loans and that it in fact was closed, and that All of them are in fact XXXX balances except one, the open that I consolidated. It SHOULD be removed it is over 7 years old and they COULD not have verified that from a closed company! They LIED. how did they get that information in 24 hours from a closed company, or the government? They have everything they need from me to update and remove it and raise my score accordingly. They are damaging my credit for no reason. For accounts that were opened 10/ 8 years ago, and are currently consolidated. There is no reason for it. What they're doing is fraud! The only thing I can think of is them getting there information is from my national loan data base is it has a date ( of last month exactly like they put, too ) that said interest owed. But they obviously did not do their research to see that its closed and the balance is XXXX! They're did not investigate properly at all and are ruining my credit more when I am trying so hard to raise it and move forward with me life.
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish without my written instructions
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R J Baucum Enterprises, Inc. (TX)

Edward Sloan & Associates has reported on my credit report a debt unpaid. I do not owe this company any money. I have requested in writing to be sent any and all information regarding this debt. They have not. I am disputing the debt and meets the FCRA guidelines.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX was charged an overdraft fee for account being in overdraft due to erroneous overdraft fee from day before. Went to branch and they were only able to reverse one fee. I was not on overdraft in the first place and shouldnt have been charged any fee. My account was positive XXXX cents until after midnight on XX/XX/2021 at which point the transactions were reordered to reflect an overdrawn balance of {$4.00} when it wasnt before midnight. This bank is engaging in something predatory and needs to be investigated.
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stuart-Lippman and Associates, Inc (LA)

I was driving my boyfriend car but the car is registered to me. I was a secondary driver on insurance policy. I was in a motor vehicle accident XX/XX/XXXX. I was hit by a driver and had no fault. The person the vehicle belonged too was not the driver. I received a phone call from XXXX XXXX in XXXX of XXXX stating I will be sued and my drivers license suspended if I do not pay the estimated amount of {$6000.00} back to them that they paid for the other parties vehicle without hearing my side of the story I was out the loop. This accident is on my drivers record and it states no at fault. I notified my insurance adjuster about the claim. XX/XX/XXXX she reached out through email to see if spoke with my insurance company. I received a call from my insurance company stating that they can not make contact with XXXX XXXX and have I spoke with her and I told them not since the last contact. My adjuster stated they will close the claim since they had no correspondence. I was never contacted by the other party insurance company to hear my side of the store that the other vehicle hit my car. I fixed my vehicle on my own. I have not heard anything from XXXX XXXX until today XX/XX/XXXX I received a phone, but I missed and called back and XXXX XXXX did not answer. I do not believe I should pay them back for fixing the other driver vehicle for hitting the vehicle I was driving and I did not cause the wreck. This is an unlawful debt collection and I will like the matter dismissed against me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions