davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Experian is not allowing me to place a credit freeze easily online. They want me to go through the trouble of mailing all sorts of confidential information via mail. Probably a tactic to get people to upgrade to their $ $ service. Here is the message I get when I try to freeze my credit file. 

RESPONSE FROM EXPERIAN : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 

Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have accounts that i disputed and transunion refuses to remove, even tho XXXX  and XXXX  already removed the items, i provided them with a dispute by mail and i have the confirmation of postage, here is list of items i want deleted from credit report, XXXX XXXX XXXX {$3000.00} BALANCE XXXX  XXXX {$1500.00}
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXXXXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 2018-03-07
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: NAVY FEDERAL CREDIT UNION (AL)

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a credit card as well as a checking line of credit with NFCU. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the fraudulent charges be erased from my NFCU Accounts so I can have an accurate balance. So I explained to a representative at NFCU that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. 

I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. I say this because I have had past fraud claims with NFCU that ended the same way, with them taking the side of the merchant. This is why I filed the ID theft affadavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. I would certainly not risk perjury, imprisonment, fines etc by lying to the police department, the FTC and a MILITARY based credit union.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

Before moving to XXXX, I had faxed several deferment and the agency kept claiming not to receive. Finally after they received my deferment paper, they said she sent me the wrong paperwork. Wanted me to download the new paperwork & fax it to them or they were putting my loan in default. I explained to them that I was stranded on the side of the highway with my granddaughters. I was told that if I didn't redo that paperwork that day, XXXX XXXX, my loan would be defaulted which they did. I asked how can I be blamed for your employees mistake when I called after arriving in XXXX. Was informed that it was too late the defaulted my loans. Messed up my credit and haven't been able to file taxes. This default has caused me much hardship and big businesses are getting way with it. I still have the faxes that I sent proving that I did my paperwork on time, they just didn't give me the right paperwork.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MA)

Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-03-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (AK)

I requested validation but this company sent me bill statements as validation ( statements are not validation ) and failed to send validation that they are the true collectors of the debt. I have another company trying to collect in the same debt. I demand proof that XXXX is the true collector by sending me something binding the agreement between them and original creditor that they are indeed collecting on behalf of the original collector.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

I received an escrow analysis from Roundpoint in XX/XX/XXXX for my XX/XX/XXXX property taxes. I reviewed the analysis to find that city/ village tax was miscalculated. I sent additional information ( i.e., actual tax bills for XX/XX/XXXX ) to Roundpoint showing the actual payments for my city/ village tax was incorrectly calculated on or around XX/XX/XXXX. For almost a month they told me that they were investigating the issue and that a new analysis would be run. A new analysis was run without taking into consideration the information I had sent to them. I followed up again the last week of XX/XX/XXXX to be told that they were still investigating the issue, but that it would be resolved by XX/XX/XXXX. XX/XX/XXXX, passed and the issue was not resolved. I called the first week of XX/XX/XXXX to speak with customer service again. They told me they couldn't fix the issue without a new tax bill. I called the local tax collector and explained the situation. She explained to me that the new tax bills would not be printed until the first week in XX/XX/XXXX, but would send me detailed information in an email to forward to Roundpoint. She sent me that information and that same day I forwarded that information to Roundpoint. Her email explicitly stated that if Roundpoint had questions she should be contacted directly. They never contacted her. I followed up again today XX/XX/XXXX, to be greeted by a rude customer service representative who had no clue how to resolve the issue and refused to assist me further. Roundpoint has overestimated my city/village tax by 50x what they actually will be for the year. The tax bill for the year is estimated to be {$100.00} per year. They are actually calculating it to be {$5700.00} for the year. They refuse to resolve the issue and as a consequence, my monthly payment will go from {$2300.00} to {$3100.00}, which increases my monthly payment {$870.00} per month.
Consumer complaint received 2018-12-10
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. (VA)

On XX/XX/2018, I was notified that a hard inquiry had been placed on my credit report by XXXX. I had not submitted an application or had any contact with XXXX. 

On XX/XX/2018, I notified XXXX that I had not applied for a card and they closed the account and sent me fraud protection materials. 

On XX/XX/2018, I attempted to contact Experian to dispute the inquiry on my report. Experian 's website informed me that I could not submit the dispute online and directed me to call XXXX to submit the dispute by phone. That number reached an automated service that did not provide an option to submit a dispute. Every other number that I could find to contact Experian routed me to the same automated service.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Innovis (PA)

Wanted to set up appointment with XXXX XXXX XXXX. They did not disclose the fact that they were running a hard-pull on my credit report. They were of no assistance on setting up a solution to have them removed. Did not provide social security number to them.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, 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. (IL)

I have attempted to cancel this service many times. 
Most recently XX/XX/2018. 
When I attempt to cancel my account the automated service tells me I do not have one. 
When I try to contact member services I am left on hold for hours with no response. 

I had to make a stop payment on this previously with my bank that cost me money. 
The information was changed on how I was being billed and the billing has begun again. 
I have attempted numerous times to cancel this service and have not received a single response. 

I have already been on hold with the company for multiple hours today and have attempted to call multiple different numbers that bring me to the same menu. 

I am being billed on the XXXX of every month a total of XXXX from experian.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Diversified Consultants, Inc. (GA)

My name is XXXX XXXX and I had a past due bill with XXXX XXXX in the amount of {$1000.00} that was sent to collections. The name of the agency is Diversified Consultants. My account number with collection agency is XXXX. I resolved the payment with XXXX XXXX and paid full amount in agreeing to have information reported and retracted from my credit report. XXXX XXXX agreed to have information deleted and forwarded information over to Diversified Consultants. When reaching out to diversified  consultants myself and explaining to them that XXXX XXXX has agreed to delete information from credit report, Diversified Consultants responded they are not able to do anything but report that the payment has been paid in full. I have documentation of agreement between myself and XXXX XXXX.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: USI Solutions Inc. (MI)

Several people from this place called my phone and my husbands, claiming to be working for XXXX XXXX and XXXX XXXX  connections wanting me to pay an old XXXX XXXX debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe XXXX XXXX a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment $ XXXXOpenedXXXX XXXX XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XX/XX/XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XX/XX/XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days lateXX/XX/XXXXClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with Equifax. 
GO TO EQUIFAX Creditor Information XXXX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (MN)

Opened a XXXX XXXX checking account responding to a bonus offer for {$200.00} after receiving a qualified direct deposit. 
Terms state : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. 
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

My employer made a direct deposit of {$300.00} on XX/XX/XXXX and again on XX/XX/XXXX. Per the terms the bonus should have been paid within 60 days of XX/XX/XXXX which it has not been, as of XX/XX/XXXX. Bank has not responded to my secure message inquiring about bonus payment.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (VA)

As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as UD DEPT ED with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

XXXX XXXX XXXX - says I owe {$1700.00} for a XXXX XXXX bill. I previously disputed this and it was removed from my credit. It was reinserted with a new date of XX/XX/2017 versus the previous date which was years ago. This is not my debt, and I have received XXXX information ( written or otherwise ) about the debt.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

i have Paid in full this debt and the company will not XXXX it out. I've spoken to 3 reps that continue to state that I owe on this account. I made my final payment on XX/XX/XXXX for the amount of XXXX. Other payments were XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$25.00} a Total of {$190.00} Paid. When I call the rep hung-up on me, the supervisors do as well. This is affecting my credit score and causing a huge problem. I want this account removed!