davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

Hello Im am XXXX XXXX SLS continues to harass me with incorrect and illegal information on my credit reports. I have called multiple times asking them to report correctly. I have filed multiple times with credit bureau XXXX to correct this they continue this complaint has already been repaired. SLS mortgage company puts late marks on my account ever month. They remove previous months at the end of month and add it to the next month even before due and in forbearance. They purposely dont report my payments to continue to bring my credit down. This is all after I turned them in for slow responses trying to reaffirm my loan. Now they have closed the account. 
I have no late payments on any of my accounts before and after my bankruptcy. 
Please help me correct this so I can refinance in XXXX to get away from this company. My payments are setup for the XXXX of each month due to being XXXX and only paid once a month. They were unwilling to me be my due date a few days. I have include statements with SLS payment when they pull the money. 

SLS mortgage company Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-11
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. (OH)

I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 2020-12-16
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. (CA)

I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED
Consumer complaint received 2020-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation (FL)

I am a Federally Protected consumer. XXXX has violated several Federally Protected Consumer rights under FDCPA 15 USC 1692 in an attempt to collect an alleged debt. I initially mailed Bridgecrest a debt validation letter certified which was delivered on XXXX XX/XX/2020. They did not send proper validation. They have called me while in possession of my cease and desist which is a violation of 15 USC 1692c ( C ). I notified Bridgrecrest in writing with a sown affidavit of truth stating the facts and citing each violation line by line which was delivered on XXXX XX/XX/2020. I received a letter from Bridgecrest 3 XXXX threatening to repossess my property. They are conducting unfair debt collection practices. As stated I am the original creditor, natural person and I extend credit to financial institutions. Bridegcrest has failed to provide me adequate information on where the credit comes from.
Consumer complaint received 2020-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was hospitalized with a severe case of XXXX with resulted in me being in a XXXX. During this time I lost my new job and absolutely had no money. During this time capital one has reported me late on my credit report and am not willing to assist me. They want me to make a payment plan but this will still result in me being reported negatively, and no help with deferment of my past due charges.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On my XX/XX/2021 credit report, DEPTEDXXXX  has added a Late Mark on my credit report per EQUIFAX and XXXX. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX I tried to log into my phone to find out someone changed my phone from XXXX  to XXXX so then I tried to log into my American Express prepaid card to find out my password had been changed. Once the rep and I changed my password back my someone had been doing transfers from my reserve account for a period of 4 days. I had no idea i was just in time to stop a {$1400.00} transfer while talking to the rep. I told her that I did not make it. They said I called to say there were fraud going on which I never did then they said someone called the same day and said no fraud Really? How can you say I called and allow someone else to tell you different. It was {$9000.00} dollars in my account for months my income tax for three years and my hard hard earned money from my job. They transferred {$7600.00} and refuse to give it back.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Consumer complaint received 2020-12-11
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I noticed a fraudulent transaction on my Bank of America account made on XX/XX/2021. The transaction was displayed as XXXX XXXX in the amount of {$850.00}. At the time I was teaching a class at XXXX XXXX University where I work as an adjunct professor. As soon as my class concluded I immediately logged on to my XXXX account. I saw that {$850.00} dollars had been charged for XXXX XXXX watches on my Bank of America account that was attached to XXXX, the address where they were to be delivered was even listed, an address I have no association with in XXXX Florida. I immediately contacted XXXX, XXXX customer service informed me that they believed my account had been compromised and suspended the account. They also informed me that I would need to contact my bank to report the fraud. Following this I immediately contacted Bank of America and reported the fraud. On XX/XX/2021 the funds were temporarily credited to me account. On XX/XX/2021 following an investigation I was informed by Bank of America that they would not pay the claim. I am now being treated as a criminal and forced to pay for goods that were purchased on my account fraudulently. This has placed my account in the negative XXXX days before XXXX while I am out of the country now with no means to cover even my daily expenses. Several cards associated with my XXXX account had numerous fraudulent charges and my claims were verified and refunded by other financial institutions. Bank of America has refused to reconsider their findings despite me providing them with evidence that the purchase was conducted by myself or anyone associated with me.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (AZ)

Was on a reduced interest plan due to over extension in regards to bills, which appears to have expired in XX/XX/2019 with not written or phone communication informing us the plan was or had ended. I call in on XX/XX/2019 to speak with personal finance to apply for assistance again. My financial information was taken income/expenses over the phone, for an interest rate reduction. I was informed that I would hear something bad within a few days. On XX/XX/XXXX, I call back into Navy Federal and was informed there was no record of the conversation, and was transferred to someone to resubmit my financial. 

Please note that all payments were automatic electronically payments on the 1st & 15th of every month. I have been making the payment in good faith since the approval of the plan.
Consumer complaint received 2022-06-10
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The previous servicer of my mortgage, XXXX ( XXXX XXXX XXXX ) sold the servicing to Select Portfolio Servicing effective XX/XX/XXXX. Even though I had already made the XXXX payment to XXXX, I received an abandoned call from XXXX from " SPS Servicing '' at XXXX am this morning XX/XX/XXXX. 

XXXX searches show repeated complaints about Select Portfolio Servicing not handling payments correctly and reporting on time payments to the credit bureaus as late, and also that Select Portfolio Servicing uses XXXX to make collection phone calls to consumers on payments that are not late.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (LA)

This company stating they were XXXX XXXX has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my sick husband 's number and they told me that the " computer did it '' I told them to NEVER do this again explaining the stress it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not XXXX XXXX but it is Nationwide Credit XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of stress which I do not need with my husband being so ill. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received XX/XX/XXXX letter and respectfully disagree. # XXXX The facts from my statements since XXXX are : XX/XX/XXXX, {$8.00} ; XX/XX/XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX {$4.00} XX/XX/XXXX, {$4.00} ( which I assume is dispute from XXXX XXXX ) CREDITS : XX/XX/XXXX {$40.00} and XX/XX/XXXX, {$1.00} ; XX/XX/XXXX, credits CREDITS : XX/XX/XXXX, $ XXXX XXXX Thus I am reading all interest and credits DIRECTLY from statements since XX/XX/2020, thus I am perplexed by your letter XX/XX/XXXX Please " XXXX and XXXX '' me thru all the interest / credi entries as to why they come in " bits and pieces ( ex {$0.00}! ) I am just reading charges and credits from statements and do not see how it reconciles with what you see
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.