davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Please see my earlier complaint which you closed based on Bank of America feedback. They are lying. Today, XX/XX/XXXX, I received a package from BOA with a letter stating here is the payment history you requested. 

They have sent this many times. Every package I have received DOES NOT INCLUDE A PAYMENT HISTORY FOR XXXX, WHICH IS THE YEAR IN QUESTION. SAME THING TODAY. HISTORY STARTS IN XXXX. I need the XX/XX/XXXXhistory which is when the note was modified. They changed it from 26 years to 40 years and also charged {$740.00} in late fees. 

Why is the case closed when they are still not sending correct docs? The XX/XX/XXXXhistory will prove we made ALL the pmts up until the modification date yet we were charged XXXX in late fees.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-08-28
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: ENCORE CAPITAL GROUP INC. (GA)

XXXX  XXXX XXXX has expunged the records re. my fraudulent amount owed/civil suit and still not refunded by money due, almost 10 years per my recent XXXX letter and their reponse dated XX/XX/XXXX. Incidentally the account no. is reference incorrectly as XXXX. 
Audit previously submitted to you, recent laptop spreadsheet hacked into and numbers changed via XXXX? stream laptop connection not mine. I have an XXXX. Reported to Midland Credit Management website and XXXX County Sheriff and FBI voicemail today. 

This appears to be a continuing ring around the rosey/russian roulette of escalated/debt errors not addressed, debts turned over wrongfully and change of CEO and company names. This has happened for XXXX, XXXX, XXXX XXXX XXXX and XXXX. How do they keep on getting away with this? I expect suspects are using my own financial resources to pay for taxes on my paid for home. Targets.
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

Navient Solutions ; In response to complaint ID:XXXX ; Requested legally required documentation supporting the detailed information in amounts owed, etc. for student loan accounts. Was not provided within the timeframe given via direct mail correspondences. Received one letter with nothing requested other than account amounts which is unsatisfactory and required to be provided by law. Violating the Truth In Lending Act and other applicable laws. Thus lawsuit filed. Dismissed without prejudice with intent to resubmit in making corrections as per the judges recommendations. Navient states they have provided " copies '' by mail as well as supposedly resubmitted with the previous CFPB complaint listed above. No attachments provided once again. Nothing actually providing legal proof for Navient to continue with it's illegal activity in maintaining these accounts. Also threatening the consumer with emails regarding credit score decreases for nonpayment while in the process of disputing the accounts with Navient directly. The persons credit was then harmed during this process despite a formal investigation requested into the validity of the student loan accounts, amounts owed, and the legality of their ability to collect money from the consumer. FTC, FDCPA, FCRA violations. Thank you for advice in filing fraud and police reports regarding this matter.
Consumer complaint received 2019-10-25
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. (NC)

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my Bank of America Cash Rewards credit card, I noticed two fraudulent charges on my statement. I noticed the first charge on XX/XX/2019 and reported it to Bank of America and thought that was all. But upon further inspection of my bill, I realized there was another fraudulent charge made in the amount of {$350.00} which is not a small amount. I have received a letter from the bank stating that I have won this dispute and that the money would be credited to me. It has been 20 days and there is no sign of the money that I have been promised. This is not a small amount so it is dragging my available credit down. I have called the bank multiple times and spoken to multiple specialists who have told me that they will put in reports and escalate it to no avail. I have had nothing but positive experiences with this banks fraud services except for this one. It has been 20 days and there is no sign of my money. The letter was dated XX/XX/XXXX.
Consumer complaint received 2022-11-05
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. (NC)

I have already filed a complaint with Experian stating the correct address that should be on my credit report. They removed the incorrect address. I just checked my experian report this morning and the incorrect address is back on my credit report! I have attached my up to date drivers license with my address that should be listed on my credit report. The address listed on my drivers license is the ONLY address that should be listed on my credit report. I do not have access to the mailbox of the address they continue to add to my credit report. Also according to 15 USC nothing should be added to a consumers credit report without consent and signature of the consumer! 

I also filed a complaint with CFPB on XX/XX/2022 disputing experians reinvestigation of an inaccurate account listed in my credit report! They closed the disputed stating that the account has been verified. They did not do a proper investigation of the dispute! 

In accordance with the Fair Credit Reporting Act : 15 USC 1681 & Fair Debt Collection Practices Act : 15 USC 1692, XXXX XXXX XXXX, Account # has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions and consent.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (FL)

The collection agency XXXX XXXX XXXX ( original creditor was Comenity Bank ) send me a letter today stating that they will sue me, and take legal action towards a collection account. However, this account was deleted from my credit report on the three creditors : XXXXXXXX, XXXX and XXXX  since the account met the requirements from FCRA. The account was opened in XX/XX/2014 according to their records and the amount owed is {$2000.00}. I called them immediately to resolved the issue and they kept accusing me and harrasing me.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called XXXX and XXXX to have a 30-day freeze put in on my credit. My bank of America is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my bank of America account. I called XXXX XXXX to have payments process to bank of America but only some funds could be verified. This is currently an on going nightmare for me.
Consumer complaint received 2022-11-05
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. (OH)

In accordance with the Fair Credit Reporting act, 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 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX LOANS. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to XXXX every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited 35 days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

This account was created in 2016 and needs to be removed from my report. This company has inaccurate information and no right to report this account on this apartment complex. 

This was a university apartment shared by 4 people which the complex was mismanaging accounts and reporting inaccurate information.
Consumer complaint received 2019-10-22
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. (TX)

I received an email that my information had been breached with XXXX XX/XX/2019. I clicked on the link in the email that was provided : XXXX XXXX XXXX to check my records. When I checked my last name and last 6 of  social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. XXXX confirmed that during the data breach my personal information was exposed.
Consumer complaint received 2019-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS I NEVER RECEIVED A DUNNING LETTER FOR THIS DEBT
Consumer complaint received 2019-10-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I have a loan with FAIR COLLECTIONS & OUTSOURCING. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FAIR COLLECTIONS & OUTSOURCING with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have called numerous times, because they have been calling to get money back. Being a XXXX, all my money goes to bills. I've asked for a different way of paying back the money, but all they said was Forbarence. I was asking for different programs that I have heard about but nothing.
Consumer complaint received 2022-03-11
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. (NY)

Back on XX/XX/XXXX I filed a complaint # XXXX against Experian they have a collection account on my credit report with her been fighting since XXXX of XXXX they had stated to you that it was not on my credit report they sent me a letter with the collection agency not being on the report for the damaging payment history up-to-date like I still have the credit card I ran my credit yesterday they put the account back on my score even worse with payment history like I still have a credit card so they lied they went against the laws of the Fair Acts laws and something needs to be done. They continuously lie and ruin people 's credit is against the law to take something off put something back on need verification notarized and certified sitting at this is officially off my credit report within 10 days because they are liars and criminals
Consumer complaint received 2019-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account US Dept Of EdXXXX XXXX XXXX Account XXXX XXXX  XXXX Unverified Account
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (OH)

I received a call today from a XXXX XXXX at Phoenix Financial Services about an old medical bill. At first he sounded like he wanted to help and let me know that I owe somewhere around {$430.00} for a bill from 4 years ago. He offered to settle it today for somewhere around {$250.00}. I told him that I would not make a payment today and he said " You don't have to pay the whole thing today, how about half? '' I stated that I was not interested in settling the account at this time and his response was " I understand but I am confused what you mean. '' I said " I am not going to settle this right now for that amount, what are you confused about. '' He responded with " Sir, this is your bill that you have avoided for 4 years so I'm confused about your lack of character. '' Who is XXXX to determine my character after a 1 minute conversation. I responded and said " That isn't the correct way to collect or get someone to pay. '' He said " Quite frankly I don't care, you have avoided this bill for 4 years and now you want to dictate how much to pay. '' Then hung up on me. I want this company to cease communication with me.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AR)

Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.