davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (NY)

I've already given you a certified letter about some negative information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.
Consumer complaint received 2022-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have inclosed a copy of a HELOC statement from Bank of America showing a {$14000.00} escrow balance for flood insurance. I have tried to refer them to the fact that a blanket policy is all I need like I have on the first mortgage which coincidently covers all mortgages. This has caused me a great deal of stress and I have a stressh triggered illiness. At this point I want the escrow cancelled and the HELOC forgiven. I have had a lending probblem with Bank of America before and at that time I believed it was race related and I still believe that. I was unable to get my loans refinanced due to this egregious and completely incorrect loan. Thanks.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I NEVER GAVE YOU WRITTEN NOR ORAL CONSENT TO PLACE AN EXTENDED FRAUD ALERT ON MY CONSUMER FILE PURSUANT TO THE FCRA. I DEMAND THE REMOVAL OF THE EXTENDED FRAUD ALERT. Thank you. Peace and blessings!!!
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2022 XXXX XXXX i receved a call from XXXX XXXX police department economic crimes unit on XX/XX/2022 from detective XXXX XXXX # ( XXXX ) notfy me they arrested two people who had all my information. they had my ssn id and cell phoe they ask if i gave them permission to have my belongs i replyed no and like two yaers ago somebody broke in to my car stoled at my partner work place with all information for some to use my name for any reson and now two years later i recived calls and debt collection letters from protfolio recovery aassociate llc own your account basically from capital one servive llc XXXX XXXX XXXX XXXX XXXX, ut XXXX them stating i have an account with them witch i never opend with they clam my acount number is XXXX and that i oew them over XXXX dollers i talked to them befor about it they wont freze my acount they keep sending me letters they even gave me a differnt address on the account witch that i never heard or even been at that location the adress on the statement is XXXX phaffle dr. bakersfield ca XXXX XXXX i never resedent nor lived in that adress im still resiving bills for that account if need to know more information like proff of this my email XXXX my # XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I consolidated my federal student loans in XXXX. At that time I owed approximately {$100000.00}. I was on forbearance until approximately XX/XX/XXXX. I then selected what I thought was the 10 year accelerated repayment plan. This plan provide that I make a set payment amount for 10 years to pay the loan off in full ( without forgiveness ). The payment amount was {$780.00}. When the loan switched to XXXX servicing, the amount was changed in XX/XX/XXXX to $ XXXX. I paid that amount until XX/XX/XXXX when the loan went on hold due to XXXX. My servicer was switched from XXXX to Aidvantage in XX/XX/XXXX. At that time, they sent me a solicitation to explore repayment options. I look at it and by looking at the option, they switched my enrollment to an income base plan. At at time, I should have had approximately 3 years left on my repayment plan. I called and told them to switch me back to my plan. They said they could not unless I reject the XXXX forbearance but when it is over they will switch me back. I called today, XXXX XXXX when I reviewed my account and it says I owe $ XXXX with a payoff date of XX/XX/XXXX. They told me a 10 year option never existed which is untrue. I have paid in approximately $ XXXX and now owe more money then when I consolidated.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One changed the joint checking account of my son I spent 1.5 hours on the phone and was disconnected. 

I opened my first account with Capital One in XXXX. 

I opened a join XXXX Checking account for my child in XX/XX/XXXX. 

On XX/XX/XXXX, Capital One allowed a withdrawal of {$410.00} from my child 's account. Draining their checking account. We did not authorize this withdrawal. 

When I called Capital One on XX/XX/XXXX, I was transferred to three different representatives before being hung up on after 1.5 hours. 

During this time, we learned that Capital One changed my child joint account to someone we don't know in XX/XX/XXXX. I did not authorize this change. 

I need the funds returned immediately and the joint account errors corrected. My child 's account number needs to be changed. I would like {$500.00} for my time and distress.
Consumer complaint received 2022-06-29
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-02-16
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: CITIBANK, N.A. (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( MACY'S/DSNB ) is reporting on my personal credit file with XXXX, XXXX XXXX XXXX XXXX Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw this account from my personal file ; ( MACY'S/DSNB XXXX ).
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!
Consumer complaint received 2022-06-29
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)

In accordance with the fair credit reporting act XXXX XXXXXXXX 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.
Consumer complaint received 2020-06-05
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WY)

XXXX Bank declined issuing me a credit card because EXPERIAN Credit reporting agency erroneously reported my death ( XXXX Bank says 'Experian says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to Experian, XXXX, TX, on XX/XX/2022 ; I also reported the error to XXXX Bank, XXXX, FL. on XX/XX/2022. 

XXXX Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach Experian by phone ( Experian has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but XXXX Bank refuses to use any information other than the credit information provided by Experian. 

Experian reported my death OR the credit reviewing officer at XXXX Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a XXXX Bank credit analyst ). XXXX Bank sez XXXX can do nothing unless Experian corrects the erronous information ; XXXX Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did Experian think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and XXXX Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA is discriminating against me as a XXXX XXXX XXXX  and not reporting my Account as Settled within the " Payment Status '' Section of each Credit Report and, thereby, causing a negative impact to my credit reports which are not reflecting the payment had been made on XXXX. Account was Settled and should reflect this status within the " Payment Status '' area to properly update the Algorithm data to properly increase my scores vs. only placing the payment status in the 'comments section ''. Updating the " Payment Status '' section of the Credit report should reflect " Account Settled '' When I spoke to USAA they claimed they would place an updated document on my Portal this week, however, it never happened. 

I also reached out to XXXX XXXX XXXX, XXXX on last week XXXX XX/XX/XXXX, who took my payment on behalf of USAA for {$690.00}, stated that they notified USAA in XXXX that the Settlement was Paid and they were responsible for updating my Credit Reports, however, USAA has not updated my Credit Report to reflect the USAA Account ending XXXX was " Settled ''
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (FL)

I kept receiving letters in the mail saying that my application is in progress, which was confusing knowing I haven't been applying for any card so I went to check my credit and I found these inquiry on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
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: Army and Air Force Exchange Service (CO)

I submitted paperwork for the Exchange Credit Card program, on the afternoon of XX/XX/XXXX the fraud supervisor XXXX called me to gather more information. I explained to her I did not have the card nor even used the email address which was on file with the company. She was supposed to change the email, but later on, I found out they sent the final results of their investigations to the old email which I do not even use. Luckily I called them and they sent them over again. Their findings were that a temporary card was present at the time, if I had used this card I would not have needed a temporary card as it was mine. Second current charges reflect prior spending pattern and location. Of course, the same pattern and location were used as whoever had my card using the exact same location. Then apparently they also used it at XXXX XXXX during these times the card was being used I was over XXXX miles away from where they were used. I explained this to XXXX as well and she apparently didn't even take any of this into consideration. Also, in the attached receipts they sent to me there are two completely different signatures, even different from the signature which I provided to them. So in less than XXXX hours they had made a decision and did not even investigate anything more from the information I have provided them. Nor even compared the signatures with the signatures I provided them as there is a big discrepancy and noticeably different in all three, even the two which were provided on my card were different from each other.
Consumer complaint received 2020-06-05
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2022-06-29
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is t
hat possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00}
Consumer complaint received 2022-06-29
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-29
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Incorrect Names and Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-12
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: ENCORE CAPITAL GROUP INC. (PA)

I have sent several letters to have these collections removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX