davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (MA)

I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (NV)

Hi there, On XXXX XXXX, I tried to log in my Penfed credit union application ( I have their checking and saving accounts ), but when I logged in, it shows : '' Your online access is currently blocked '' ( XXXX XXXX ). Then I called this number and an agent told me due to " unusual activities '', my account will be indefinitely restricted and they were not able to disclose the reason. And the only solution to end this situation is that I have to tell them I want to close my account, then they will close my account and mail the check of my current balance of my checking and saving account to me. I told I want to talk to their supervisor from associated staffs to figure this out and tried to unlock my account, but they said they are just regular customer service and the associated staffs were not allowed to speak to their customers. Then I told them I don't want my account to be indefinitely restricted and asked regulart phone customer service to convey my request to their supervisor and called me back when they had further updates. 

I used Penfed checking account mostly for paying for my credit card ( XXXX, XXXX, XXXX ) and I used this account very regularly. I've been a Penfed memeber for more than 2 years. ( XXXX XXXX ). All of the sudden, this happened. And unfortunately, till now, If I try to log in, it still shows " Your online access is currently blocked '' ( XXXX XXXX ). And I never receive their call back. It's already over a month and I really want to get this settled. And you can see the attached XXXX XXXX, 2 days ago I can still receive their " Happy Birthday '' email, which means my account is still exists. 

Best regards, XXXX XXXX
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$32000.00} Account Type : XXXX XXXX XXXXXXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX : {$0.00} Account Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices Howard Lee Schiff, P.C. (NH)

I am writing to you regarding XXXX XXXX XXXX and the offices of Howard Lee Schiff.  There are multiple issues with this company and they require more space than available here. First, Howard Lee Schiff has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the  complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.
Consumer complaint received 2022-11-30
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. (GA)

Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( 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 2022-12-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (GA)

Hello, This company has to be stopped. Their collections tactics are inhuman and the way they speak to consumers should be a crime.I 've been harassed for trying to solve the issue in a decent/respectful way. This company has been reported an account from the year 2020 with an inaccurate balance. The amount reported is incorrect and they have been increasing the reported amount monthly, which is highly illegal for a closed account. I have had several conversations with their representatives. I've been cursed out, told I was a XXXX XXXX XXXX and that they will ruin my credit and make it impossible for me to ever rent again in the United States. They have contacted my mother and threatened a warrant on my arrest if she didn't have me to call them immediately. My mother who is already in poor health suffered a XXXX XXXX XXXX after their threatening and degrading phone calls. Can someone please help me solve this debt with this company. The reported amounts are inaccurate and they have blatantly stated they are out to ruin my credit/reputation. This debt is also a joint debt which I've tried to explain countless amounts of times to no avail.
Consumer complaint received 2023-08-15
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-08-27
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)

Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

15 U.S.C 1681Section 602 A. States I have a 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 2023-01-11
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: Experian Information Solutions Inc. (KY)

A XXXX account appears linked to an address on my credit report. Neither account nor XXXX Ky address are mine. With another dispute I sent the request to investigate and upload documents Experian requested they need to identify my identity. I attached what I sent them.
Consumer complaint received 2022-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is inaccurate information on my credit report that lead me to find that there is suspicious activity occurring. There is an account opened with Bank of America and it is not mine. I have called to talk to Bank of America and they have no recollection of this on their end. Please help
Consumer complaint received 2018-08-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION (NE)

On XXXX XXXX our mortgage was sold to XXXX XXXX XXXX. We made payments to XXXX. In XX/XX/XXXX we were contacted by SN Servicing stating that we owed {$140000.00}. XXXX showed on our XXXX XXXX an outstanding balance of {$61000.00}. SN Servicing told us in the collection letter that we had the right to dispute any portion of this debt within 30 days or they would assume the debt was valid. We sent our dispute along with a Qualified Written Request for more information on XXXX XXXX. 
They received our dispute and the QWR on XX/XX/XXXX. To this date they have not responded with the information we requested. 
Now they have filed foreclosure for the disputed amount that they did not respond to validate their initial claim of {$140000.00}.
Consumer complaint received 2022-01-19
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX
Consumer complaint received 2021-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I been going through financial hardship since COVID hit and been struggling since. I did call them and I applied for credit protection And for my understanding they were going to put a hold on my account so I wouldnt have to worry during this difficult time and my intentions was to start making payments as soon as I was financially stable but what I didnt know was that it would take me this long besides financially struggling I had to figure out how me and the kids were going to make it and taking care of of loved ones that were almost didnt make it with all this with all this I ended up having a break down and fell into XXXX but we came out of this and getting things back to normal and one of the first things once things got settled was trying to get my credit cards paid but when I checked it was too late they closed my accounts and when I tried to see if they would let me pay them they just transferred me to collecting I asked them if they can work with me or if theres another option to help me they just went ahead and send me to collections and brushed me off they say during this hardship they will give their customers support but didnt even try to help before all this happen I was working so hard to build my credit and because of this madness theres no point in starting over
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : XX/XX/XXXXXXXX XXXX late payment XX/XX/XXXXXXXX XXXX late payment XX/XX/XXXXXXXX Late Payment XXXX XXXX XXXX Late Payment XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agnecy can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agnecy may make any cnsumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes whch antedates the report by more t han seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believ
e that the information may be inaccurate
Consumer complaint received 2022-01-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My account XXXX was closed and I received two closure checks for {$4.00} and {$18.00} but I did not receive a closure check for the {$890000.00} cent in my account and am missing that check, please mail me the {$890000.00} check that I am missing.
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of XXXX  and I do not give permission to any company to speak, embezzle or coerce any debts.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (TX)

A company by the name of Perfection Collection is claiming that I owe them {$780.00} from XX/XX/XXXX. I haven't had anything negative on my credit in many yrs. I wasnt sure what it was but upon further investigation it's an unpaid XXXX  debt from XX/XX/XXXXfrom when my alarm wasn't working. It shouldn't say XX/XX/XXXX. And I challenged it with XXXX XXXX of the situation. But the date is not my complaint its the amount of the debt and how this company lies and bullies consumers to get them to pay. The way they scheme is very dishonest. They added {$600.00} to the debt. The XXXX   balance was {$180.00}. I have documentation proving it. I even called XXXX to verify the write-off amount of {$180.00}. I then called Perfection again to confront them and they lied to me. They stated they didnt add anything towards the debt that they purchased from XXXX. So she was basically blaming them. But once I brought up that I already spoken to them she changed her tune. At one point she claimed I spoke to the wrong XXXX dept. But I actually had called them twice to verify the amount before calling Perfection back. Now Perfection Collection LLC is saying in my original contract with XXXX  it states due to nonpayment they can automatically add 12 more months of payments onto the outstanding balance if they want. Which is a lie bc I read the contract. It's also against the law to lie to me and to change the debt amount. I know it's a made up amount bc  I was paying {$39.00}. Which x12=XXXX. I was locked in on an old rate. The regular rate is XXXX so times that by 12 and it equals {$600.00}. So that proves they added this to the debt and I bet they do it all the time to other people. They will not work with me at all and just constntly cuss me out. The XXXX  Report Number I filed to dispute is XXXX The Date it was generated was XX/XX/XXXX. Please help me with these crooks. Thanks. 
Their address is Perfection Collection XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, UT XXXX
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. (VA)

The following Late Payments, and Closed Accounts caused Public damaging actions on " OUR '' Consumer account as the " INDIVIDUAL '' communicating giving notice right now ; my rights has been fully misrepresented and deceptive. There needs not to be any late payments on " OUR '' consumer credit profile for any reasons ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I REQUEST FULL GENUINE PROOF OF EACH LATE PAYMENT FURNISHED ON " OUR '' CREDIT PROFILE BEING DELIVERED TO " US '' NO LATER THAN 21 DAYS BEFORE INVADING " OUR '' PRIVACY WITHOUT THE PROPER CONSENT AUTHORIZED BY I THE INDIVIDUAL AS AGENT ON BEHALF OF THE CONSUMER ACCOUNT