davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (HI)

XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX claims I owe them {$5100.00} or my account was charged off {$5100.00} They have refused to respond and acknowledge my formal notice sent on XXXX disputing the claim. ( tracking # XXXX ). In that letter I was requesting validation of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
NATIONAL CREDIT SYSTEMS Failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company, for defamation, negligent enablement of identity fraud, violation of the Fair Credit Collection Practices Act ( including but not limited to section 807-8, and violation of Fair Credit Reporting Act ( including but not limited to Section 623-b ). That letter was an attempt to correct their records. 

Any negative mark found on my credit reports from NATIONAL CREDIT SYSTEMS or and company that they represent, for a debt I DO NOT owe is a violation of FCRA & FDCPA, therefore since they can NOT validate the debt, NATIONAL CREDIT SYSTEMS must request that all credit reporting agencies delete the entry.
Consumer complaint received 2022-07-11
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: AMERICAN EXPRESS COMPANY (NY)

I am writing to request the method of verification for dispute that i initiated. Also send the following information 1. Payment Disclosure 2. Interest Rate Disclosure 3. The Balance History 4. Payment History 5. Credit Insurance 6. Original Contract As for your methods of verification i would like the follwowing 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the credit bureau as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Consumer complaint received 2020-09-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have Portfolio Recovery have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Consumer complaint received 2022-10-12
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In late XX/XX/2021 all 3 credit reporting bureaus dropped my credit score XXXX points at one time ( from mid XXXX to XXXX ) for my student loan payment reporting past due even though all my other credit obligations showed exceptional payment history and never late. In my history of having credit, even when I had bad credit, my score had never dropped this significantly at one time for my past due student loans or any debt. This seems very suspicious and unlawful.
Consumer complaint received 2020-09-15
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: Bread Financial Holdings, Inc. (NJ)

On or around XX/XX/2020 I received my paid in full letter after paying off accounts. Victoria Secrets and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for Victoria Secrets nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank XXXX is reporting lates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have had the account for a very long time and have been a great customer. Unfortunately the store will be closing and my account inevitably closed. I ask as a goodwill that XXXX removes the late notations from my credit.
Consumer complaint received 2022-01-30
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 (NV)

I been having hard times with Capital One to dispute fraudulent inquiries that they are reporting to my credit bureaus. I have the following accounts with Capital One and those account are not related with the fraudulent inquiries that I am disputing and requesting removal here. 
VALID ACCOUNT THAT I HAVE WITH CAPITAL ONE : XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX Card ending in XXXX opened XX/XX/XXXX XXXX XXXXXXXX  ending in XXXX opened XX/XX/XXXX XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX XXXX  ending in XXXX opened XX/XX/XXXX XXXXXXXX XXXX ending in XXXX opened XX/XX/XXXX The inquiries that I am disputing are : CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX  - XX/XX/XXXX CAPITAL ONE AUTO FINANCE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX GDM - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE - XXXX XXXX, XXXX Capital One has a Pre-qualification system very effective for credit applications to avoid credit inquiries, all the accounts that I have with Capital One have been opened using the Pre-qualification system. These fraudulent inquiries have been affecting my credit score, please remove them as soon as possible. 
I would like to mention that XXXX XXXX is a great financial institution and I have business with them for over 2 years without experiencing issues, this is the only issue I been experiencing and I am pretty sure that the credit bureaus are not following the appropriately step on the dispute that I have filed with them, so, at this point I decided to file this compliant to resolve this situation directly with Capital One since I been calling Capital One and I havent been able to get an agent on the phone willing to help.
Consumer complaint received 2021-01-21
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. (NJ)

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an unemployment claim through the state of Nevada. Nevada pays weekly claims into an account ran by Bank of America who also provides a debit card. On XX/XX/2021 I attempted to login into my account in order to transfer money to pay upcoming monthly bills and rent. Upon logging in I was told my account was frozen and to call BofA customer service.

When I called BofA customer service they gave me no information in regards to why I could not access my funds and told me to contact my " sponsor '' which would be the State of Nevada. When I finally got through to Nevada I was told they did not initiate any kind of freeze and was then informed BofA is taking it upon themselves to freeze accounts. Nevada DETR requested that I send in some documentation for identity verification purposes and they would begin the process of getting BofA to unfreeze my account. 

On XX/XX/XXXX I called BofA customer service again to try and understand why they froze my account, and ask if there was any fraud detected, and if so why wasn't I notified. They again provided no information but to tell me to " contact my sponsor ''. They refuse to help me resolve this issue. I believe BofA are withholding my unemployment compensation in bad faith.
Consumer complaint received 2020-09-15
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. (MI)

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  on my credit report was not mine it was determined by the police that this credit card was used to pay a cable bill at an address I never lived at
Consumer complaint received 2020-11-27
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: OneMain Finance Corporation (NY)

On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

At the close of escrow, on XX/XX/XXXX, Dovenmuehle Mortgage , Inc. received an initial escrow payment of {$10.00}, XXXX for property taxes due on XXXX XXXX XXXX, XXXX, TX XXXX. In early XXXX of XXXX, we received a property tax bill in the amount of {$9700.00}. I immediately contacted Dovenmuehle and was told that they would take care of it. However, on Friday, XX/XX/XXXX, we received a penalty bill, in the amount of {$10.00}, XXXX, which includes {$870.00} in penalties. I contacted Dovenmuehle on XX/XX/XXXX, and was told to email the tax department, which I did. I did not get a response or an acknowledgment, however, so called again on XX/XX/XXXX, and spoke with a supervisor named " XXXX '', who said she'd look into it and get back to me. Having heard nothing for several days, I called again and spoke to another supervisor, named " XXXX. '' On XX/XX/XXXX, I received an email from a " Resolution Specialist '' named XXXX XXXX, who said she'd " initiated research into this issue '' and would contact me by XX/XX/XXXX, with an update and/or resolution. I have not heard from her again, although today is XX/XX/XXXX, and I called and emailed her twice today.
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made the mistake of helping a gentleman that I was doing business with out of the kindness in my heart. I had a business account and personal account with Bank of America. There was a guy working for me and my father named XXXX XXXX. We chose to overlook his XXXX XXXX and give him an opportunity to remodel my fathers home. XXXX had a check one Friday for XXXX dollars. I allowed him to sign the check over to my business. The check took around 5 or 6 days to clear. Somewhere along the line either XXXX contacted BOA and told them the check is stolen, or BOA contacted XXXX to verify. My account was closed by BOA. BOA treated me very poorly. XXXX stole XXXX cash from our home a week or two later. We have lost big time.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MN)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

I came home on XX/XX/XXXX from an almost 8 month trip. I found several collection letters from Penn Credit which I replied the next day asking for verification. I sent a list of things including original contracts bearing my signature in order for me to be able to validate the alleged debt. They not only failed to send the requested information, but also I received a response that violates my HIPPA rights. The collector did not provide a HIPPA release form with my signature that provides authorization for them to have any medical information of mine. Penn CrediXXXX continues the pursuit of this alleged debt without validation.