davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (CA)

I called Zelle XX/XX/XXXX after speaking to a XXXX  XXXX XXXX agent wanting to cancel Zelle services do to an ongoing related fraud scam. The XXXX agent said there was no way to cancel Zelle services however on the Zelle web site it states please contact your bank or union to cancel your Zelle services. There should be a way to cancel Zelle services and neither XXXX  XXXX XXXX or Zelle have any reasonable response/solution.
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (MN)

The following XXXX XXXX XXXX  MasterCard Account : XXXX listed on my XXXX  and Experian credit report is lost/stolen, and the credit card account dont belong to me.
Consumer complaint received 2021-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have attempted to contact this company regarding the closed account payment history. The company is reporting inaccurate payment history. I have attempted to contact the company to update the payment history to reflect a positive history. The company has continuously requested copy of said credit reports reporting the negative payment history. I have sent them copies of the credit reports to only receive yet another letter requesting the credit reports.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third bank has allowed numerous amounts of money to be taken from my account I can send screen shots of my account summary where it shows alot of different dates and amounts of withdrawls I never did. The bank isnt trying to resolve the issue. Some where cashiers checks some where atm withdrawals
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and Experian has completed ignored my requests.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

I spoke with a representative of the company back in XX/XX/XXXX via phone. I instructed the employee to submit a letter with the debt they are claiming I owe. The employee of IQ international stated that she would send out the letter, however she never did. In XX/XX/XXXX, I received noticed that this debt was added to my credit file and I immediately called the company only to be hung up on by one of their Managers. I have sent a certified letter to the company giving them 30 days to respond as the law requires. As of today, XX/XX/XXXX no response as be received from this company and it has been well over 30 days.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

On today, XX/XX/2021, I waited on hold for over 20 minutes after trying to reset my password online unsuccessfully multiple times. I spoke to agent XXXX on XXXX who tried to submit a payment XXXX and indicated it was unsuccessful and that the " digital support team '' would have to figure it out. She then transferred me to the digital support team who was closed. 

These people and their website are an absolute joke. A billion dollar company that can't process a payment on the phone or a payment on their website. SunTrust is garbage. This Company should be fined for not allowing people to submit payments. Class action lawsuit.
Consumer complaint received 2021-08-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Original Debt is from USAA in the amount of {$15000.00}. The only time I have contacted USAA reguard this debt is when I was not able to make any payments on this debt. 

Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. 

XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. 

Now, I have started receiving letters from XXXX with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. 

I have contacted the three Credit Bureaus multiple times to dispute.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (MI)

I have paid a balance that was owing outstanding to Fortiva ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX  and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Hi Convergent Outsourcing Inc ; / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I contacted my mortgage company XXXX XXXX in XX/XX/XXXX, they didnt follow the different available forbearance program guidelines under federal law. I have an fha loan which was XXXX dollars a month when I contacted them in XX/XX/XXXX. They started the forbearance from XXXX to XXXX til roughly XXXX of XXXX. My account ended up being delinquent for XX/XX/XXXX which was the first problem with XXXX XXXX. I called to request for the full 18 months forbearance that was available which was refused as I was still struggling terribly. After it all I started to work on a modification at that point where they told me my Mortage had was XXXX a month however they would give me a 3 XXXX XXXX at XXXX a month and if I could fulfill those terms I would pay the XXXX a month not to mention I would owe them the full amount of XXXX XXXX dollars of the money due of the forbearance period and would not be put to the back of my loan. I explained if I couldnt pay XXXX how could I pay XXXX to then go to XXXX plus the XXXX. I called continuously through the process where they said they would see if they could work out a different modification. I find out my loan was sold to Sps portfolio in XXXX of XXXX. Now XXXX currently dealing with Sps with missing recorded calls and so called different modifications information from XXXX XXXX and now they want to keep my original Mortage payment of XXXX. XXXX still dealing with the financial effects of COVID plus inflation of taxes insurance food utilities etc. I have not been offered absolutely any government available programs which could lower my interest principal monthly payment anytime to solve the effects of the pandemic disaster. I feel I should have all government available options to me which was not given to me. Regards XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX a consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge was suppose to include insurance but XXXX XXXX made me purchase my own insurance separately.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NJ)

In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the XXXX online form to view XXXX 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a XXXX partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security Number to yet another company ( not a XXXX partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : " XXXX XXXX XXXX   ''. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) XXXX 's false advertising on XXXX XXXX XXXX  ' : " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

When we closed this loan, we set up automatic payment withdrawals from Freedom Mortgage. The didnt pull the XXXX payment and they are showing late payments for the past XXXX months, but the account was only delinquent for the month of XXXX. Want they want now is a late fee and a couple of other charges they keep taking on. 
We have a 2.5 % interest rate on this XXXX  lone and Im not going to let this bunch to XXXX us out of this interest rate. Im not paying any late fees for their mistake. I have paid the missing payment over two months and now my bank sends this bunch their monthly funds.
Consumer complaint received 2023-09-11
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-11-05
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. (NY)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly 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 account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Hi LVNV FUNDING / XXXX XXXXXXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-03-23
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. (FL)

Im not please because the credit bureaus keep on fail me they never do a proper investigation and only can send you back respond that is verify with no proof and that the information reporting is accurate with no proof I told them Im not the one who sign for the loan that been reporting and I never sign any documents with my written signature upstart verify the account belongs to me because its have my information there is a alot of people have my information so they need to do proper investigation before they give a loan to someone because I did not authorize upstart to give me a loan I never sign any documentation they dont have any proof that it was me never send to my address the documents was sign online with my signature with no proof its actually me sign it so both them and the credit bureau violate my rights and privacy and fail me I have rights because its my consumer file and that document did not sign by me thats document sign online they never send any documents to my address to sign and they never verify its me so they fail me I need this problem to fix and remove from my consumer file
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
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: Experian Information Solutions Inc. (CA)

I submitted my dispute letters in XXXX and the beginning of XXXX. Both were sent certified mail. I've attached the screenshot showing the exact dates. And, I have a late payment for XXXX XXXX reporting and I was never late. I've contacted XXXX XXXX and XXXX XXXX 's CEO to try to resolve this and it's been more than 30 days. 

I need this account updated ASAP to reflect that my payment isn't late or for the account to be removed totally. 

I also included a XXXX auto account that is not mine, I've granted no permissions for this account to be on my report. This is a violation of my privacy and I want this account to be removed asap!
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc. (SC)

On XXXX XXXX, I called and spoke to XXXX XXXX She told me she didn't have any payment and she couldn't provide any info and for me to call the original creditor. 

0n XXXX XXXX XXXX  I called the original creditor and spoke to XXXX, she didn't have any updated info as well. She said she will be calling the collection agency and will it removed from my credit report.