davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  N with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX  with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

Got a phone call from XXXX, claiming to represent XXXX XXXX over an alleged debt from 2002. The whole issue at the time had to do with a bank error, and I turned it over to a consumer protection agency then. This company, when I tried to explain this, just said, okay then we'll just file the judgement. They also claimed to have sent a letter to my mailing address. I saw no such letter. 
They are of course a scam.
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I previously filed a complaint # XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX XXXX XXXX Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). As you know, it is also a violation of the FCRA to report this type erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report. I also requested investigation with another bureau, XXXX. XXXX requested verification using XXXX XXXX XXXX which is the only legitimate alternative to asking the court for verification. I am attaching proof that XXXX performed its verification and after confirming this information was inaccurate XXXX  immediately deleted this Bankruptcy from my XXXX  report. XXXX has also verified there is no negative public record either. See attached screenshot from their website I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian.  

I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURTXXXX XXXX XXXX Number : XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

XXXX XXXX reports Ive missed 12 or more payments. The payments were deferred due to COVID. An agreement has been made to continue to make payments, im making the payments but on my credit report they are reporting im delinquent.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (TX)

I've been reporting these accouints XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( Equifax, XXXX, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Consumer complaint received 2022-01-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

Foreclosure mediation ended in XX/XX/2021. XXXX XXXX, XXXX is the investor and Fay Servicing is the loan servicer. 

I am writing to complain about the practices of Fay Servicing and XXXX XXXX, XXXX. We just completed foreclosure mediation on a 15 yr old 2nd mortgage, where they have essentially bullied us into a payment we can not afford. Mediation is stated to be a negotiation but it is not. The handbook should specifically state that it is not. We tried to settle for a cash payment, they denied it then issued a 2nd modification offer that is XXXX higher than their 1st offer -- after saying they had to make a special income exception to issue the 1st. The orig loan was XXXX. It is now XXXX at 9.5 % interest which is outrageous. We can't afford rentals now and now we can't afford to keep our home either. Their first modification offer was XXXX. We counter-offered a cash settlement offer. They denied it and issued a modification offer of XXXX. I am a veteran and I was given bad attny advice by an attny who has since been disbarred and convicted for fraud. He told me this loan was discharged in bankruptcy and to not worry about it. He didn't tell me they could take my house. I am not trying to get out of it, I just needed a lower payment, lower int rate or longer term. If they could offer XXXX once, they could offer it again. I am set to sign modification documents in the next couple of days because I have no options left. I would like the govt to know that this company is forcing people out of their homes. Read reviews about them. Also, you can NEVER speak to a person. They don't respond to calls or voicemails. Their business practices are unacceptable. I would love the govt to intervene on my behalf but I realize that's a pipe dream. But he should know what crooks these companies are.
Consumer complaint received 2022-01-07
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)

After reviewing my credit report I have noticed some unauthorized inquiries that have been placed on my file. I communicated the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. I am looking to get an home for my son and I. Im not sure who would use my identity to try to open accounts I would appreciate you guys so much with the help of removing these unauthorized inquiries off my credit report. I am excited for the milestone and I would love to be settled within the upcoming months in my new home.
Consumer complaint received 2022-01-13
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. (TX)

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

My father passed at the end of XX/XX/2019. I called Navient to find out what the process was to have him removed as cosigner on two student loans he was a cosigner on. They stated once I receive the death certificate and letters of administration, that I would need to upload the documents to them for them to remove him. Once I received all the documentation, I uploaded them to Navient on XX/XX/2019. I called on XX/XX/2019 to confirm the documentation was received and was being forwarded onto the department that will handle it. I called again on XX/XX/XXXX to check on the status of the account. I was told the paperwork was at the claims department but had not yet been processed. I called again on XX/XX/XXXX to check on the status of the account, again was told the paperwork had been received but had not yet been processed and the paperwork needs to be forwarded on, which one ever did. She said it would be done so and she was putting a high priority on it as I had started getting called about collection on his account though the notated the system of his death. She told me to call back on XX/XX/XXXX. Meanwhile Navient locked his account out on XX/XX/XXXX. I called XX/XX/XXXX and a Ms. XXXX said there was still no update and transferred me to a supervisor named XXXX. XXXX said I need to wait until the end of the next billing cycle that ends on XX/XX/XXXX. XXXX said he would call me back on XX/XX/XXXX, I never received a phone call. On XX/XX/XXXX I received a phone call from Navient telling me to call back. I call the number back that was given and was subsequently transferred two times until they could get me to the proper department. I spoke with someone with employee ID XXXX and she told me the people I had been talking to after calling Navients phone number was a 3rd party doing business on their behalf by the name of XXXX. She told me the account has been marked as deceased, but that the collection agency would continue to call me because one of the bowers accounts hasnt been paid in a few months. I told her he was dead and that they wouldnt be getting any money from my father. I also asked what it would take for them to process and remove him from the loans and to end the phone calls to me. She wouldnt answer my questions. I told her I'm filing two complaints, this one and one with Federal Student Aid. I also told her to never call my number  again. Will be speaking with my attorney as well. This constant bantering and dealing with this inept company is taking a mental and emotion toll that is unwarranted.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (TX)

XX/XX/2020, contacted company on credit report, credit management, at XXXX, concerning entry to credit report. I let them know i do not owe XXXX, it was paid im full and that i have a confirmation number to prove it from XXXX, and XXXX billing dept number to confirm. So the agent told me that they would bring it to a {$0.00} balance. I said no remove the entry to my credit report because its done in error and indo not owe XXXX. The company refused to remove it.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (GA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BXXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY
Consumer complaint received 2019-05-21
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I went to XXXX XXXX with my children to celebrate my daughters birthday. I paid {$110.00}. When we arrived we showed up to the front desk and purchased wristbands. We were talking to their associate at the front desk for about 15 minutes after we already made a purchase because we were confused as to how it works. The associate didnt thoroughly explain so we just said wed figure it out. We walked around the entire place for about a Half hour trying to figure out what rides our younger children could get on. Not to mention the wait time that we had to wait to get on. They could only get on 2 rides by their self. While we were in line our son came to us and asked what else could he do? He played all of the arcade games already. We were confused because it had only been about 20 minutes. He said that a lot of the games were broken and a lot of the arcade games were exactly the same. We then went up to the front and We asked the supervisor if we could have our money back because our children could not get on any rides and we were unhappy about our son not getting any use out of his arcade pass. The supervisor straight up said no because we have been there for over an hour but in reality we were trying to figure out what our children could get on. He also mentioned that the arcade pass was very useful because there were over 60 arcade games when that wasnt true. I pointed out that a lot of his arcade games were broken and I also pointed out that there might be 60 arcade games but theyre all repetitive so in reality there is not 60 arcade games and the manager didnt say anything about that he just said we cant give you your money back. I was very distraught and my children were very sad because they couldnt get on anything. The signs were not clear. If they were we wouldnt have stood in line talking to the cashier 15 minutes after we already purchased the tickets be supervisor was very unhelpful throughout the whole ordeal and he wasnt willing to help us in anyway possible. I tried to dispute the charge with my bank and my bank Basically told me that I authorized the purchase when that wasnt even what the dispute was about. My bank accidentally put down my dispute was not as described. My dispute was about unsatisfied by services that werent rendered. they basically took the business side over mine. The dispute was about the services that we did not receive and the unsatisfaction of the experience
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (PA)

On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX Bank for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

To Whom It May Concern, The reason for my dispute is ABLTY RECVRY was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABLTY RECVRY failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of FLORIDA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ABLTY RECVRY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ABLTY RECVRY is held liable as well for defamation and in the state of FLORIDA allows for serious fines ABLTY RECVRY is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. ABLTY RECVRY has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
Consumer complaint received 2020-05-13
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. (AR)

I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I, a consumer and natural person, was denied credit by Discover when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C XXXX. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of Discover according to law.