davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (PA)

I am writing to formally report an issue with my credit report that involves inaccurate information regarding an XXXX account, which I have never opened. This account appears to be incorrectly mixed with a XXXX account, leading to significant discrepancies in my credit report. 

As outlined in the Fair Credit Reporting Act ( FCRA ) Section 605, any inaccurate information must be removed from a consumers credit report. Furthermore, under the Fair Billing Act, consumers are protected against incorrect billing information that can negatively impact their financial standing. In my case, this inaccurate entry is impairing my creditworthiness and causing undue stress. 

I ask that you facilitate the removal of the XXXX account from my credit report, as it is a duplicate entry and does not pertain to any account I have ever opened. I have attached relevant documentation supporting my claim for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft, with my personal information used fraudulently, leading to items appearing on my report that I was never associated with. I followed Equifaxs guidance and filed a report with the FTC, which I submitted, yet these fraudulent items still remain on my report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Im a victim of identity theft and do not recall this account. These accounts are fraudulent. I am not liable for this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (VA)

A complaint was previously filed XXXX and a response received from Pacific Union Financial which is not acceptable. They are refusing to remove a mortgage late reported for XXXX of XXXX. To reiterate for the XXXX payment due of {$3300.00} the amount was entered in the numeric portion correctly at {$3300.00} but in the hand written portion mistakenly written as 'XXXX   XXXX XXXX and XXXX/XXXX. The shortage of {$300.00} was subsequently paid over the phone with an additional {$15.00} fee. In Pacific Union 's response attached they indicate the amount of {$3000.00} was put into suspense which is not true as they actually cashed the check which is also attached. The mortgage principal and interest portion is {$2200.00} and {$1000.00} is for the escrow amount. The principal and interest portion was paid in full on time and it was the escrow portion that was shorted. The escrow account maintained a positive balance and there were no required disbursements from the escrow account from the time of the payment shortage until the {$300.00} was collected. How was Pacific Union shorted or harmed other than not having the {$300.00} on account? Since obtaining the mortgage in XXXX there has never been a late payment and I believe that their refusal to remove the late payment is vindictive and purposely harmful as our credit rating has suffered significantly. I imagine that PUF has never made a mistake and they want to hold us to the same standard.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I am signed up for auto-pay on my student loans ( actually my wife 's student loans, but I take care of our finances ). Each month, on the XXXX, {$210.00} gets deducted from my bank account for student loan payments. Most months, I then go in and manually make an extra payment of varying amounts. For example, in XX/XX/year>, {$210.00} was taken from my account for auto-pay, then I manually paid an additional {$230.00}, for a total monthly payment of {$450.00}. In XX/XX/year>, I paid the same auto-pay amount, and then manually paid an additional {$580.00}, for a total monthly payment of {$800.00}. Since XX/XX/year>, the auto-pay payments have been taken out of my bank account as scheduled. However, those auto-pay payments are not being reflected on Mohela 's website, nor are they being taken off of our total balance. I have called numerous times to fix the issue. Each month, they ensure me that they're working on it, and moving forward, the payments will show up on time. That never happens, though. 

To date, the issue is still unresolved with the exception that XXXX and XXXX 's auto-pay have been fixed and are now showing. However, XXXX through present 's auto-pay payments are nowhere to be found. I have even tried dis-enrolling and re-enrolling in auto-pay in hopes that would fix the issue, but no luck. 

The manual payments go through without an issue every time, but if I disenroll from auto-pay and only do manual payments moving forward, I have to pay a higher interest rate than I do while I'm enrolled in auto-pay.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I applied for an HSBC Choice Checking Account after visiting their website and being offered a {$200.00} account promotion. I have screenshots and saved emails showing the terms of the promotion, which state : " Open new HSBC Choice checking account by XX/XX/2018 ; and Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance. 

I met all terms and conditions more than 2 months ago on XX/XX/2018, but they still haven't paid the bonus. The official terms state " You will receive the {$200.00} welcome deposit in your new HSBC Choice Checking account approximately 8 weeks after completing qualifying activities. '' Well, more than 8 weeks have passed and they continue wasting my time instead of honoring the contractual agreement.
Consumer complaint received 2022-05-02
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: ERC (SC)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TN)

I have a collection with Franklin Collections Services on my credit report saying I owe money. I don't owe any money to this company. I paid the XXXX XXXX XXXX directly so I don't know why they put this on my report. I disputed this and it's still listed.
Consumer complaint received 2018-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

Capital Accounts contacted second week of XXXX. me regarding a debt to XXXX XXXX. I requested that this request be in writing and it would be great if they can substantiate their claim. I received a letter dated XX/XX/2018 demanding payment without proof of the debt. I replied to their letter that I'm disputing the validity of the debt in a written notice dated XX/XX/2018 and mailed on XX/XX/2018. Capital Accounts kept calling me requesting a payment in 5 separate occasions. I kept asking for them to mail me evidence of the debt and what transactions gave rise to it. I have not been to XXXX for 4 years. Today, XX/XX/2018 I received a letter dated XX/XX/2018 asking for payment of XXXX or it will appear as a derogatory item on my credit report. Still I have not received any proof of the debt. The account number referenced is XXXX. Capital Accounts conduct is unenthical and they are attempting to unjustly benefit from me. Please make them stop or provide proof that I owe the amount.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have notified your company/person that I am a victim of identity theft. Here I am attaching an Identity theft report. You may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) YOU ARE IN DIRECT VIOLATION OF THE FEDERAL GUIDELINES YOU MUST FOLLOW. DELETE THE ACCOUNT
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I checked my credit report recently and noticed that there are negative marks on my report such as late payments, which I really don't recognize because I have always been up to date with all my payments and in my history there have always been on time payments, all payments have been made on time, so it seems unfair to me that these marks are affecting my credit in a negative way The negative marks are these 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

hereby declare that I am the victim of identity theft and have not, at any time, authorized or participated in the fraudulent activities described in my dispute. I have not benefited in any way from the accounts, transactions, or inquiries that were unlawfully conducted in my name. Furthermore, I have no knowledge of the individual or individuals responsible for these unauthorized actions. All information provided in this matter is truthful and accurate to the best of my knowledge.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports. The amount for this debt in question is {$460.00}
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (AR)

cedar business services trying to collect debt on behalf of XXXX  online home furnishing and they have put it on my credit report with XXXX and XXXX  I have never opened any credit account or bought anything from them on XXXX
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX at about XXXX, I XXXX XXXX the XXXX/XXXX of XXXX  XXXX XXXX in XXXX Maryland got a call from a Bank of American representative, She asked if I had made any online transfers within the past 24hrs.I said No. She told me to report to my local Bank Of American branch because some suspicious transactions has been noticed on my account.

I immediately reported to my local branch and it was discovered that some funds totally {$44000.00} has been illegally transferred from my account by unauthorized personals, who I do not know nor have any sort of of business relationship with.

The branch officer contacted Mr. XXXX XXXX, Bank Of American ; s small business representative. A decision was made to close the account and stop all my online transaction until the fraud issue is resolved. An investigation was also initiated to have the issue resolved. 
On XX/XX/XXXX I got a call and subsequently a letter from Ms XXXX XXXX from Bank Of American fraud department which indirectly accused me of knowing of the fraud because it was not possible for someone to go to my account to conduct such transaction. I told Ms XXXX that I do not know these individuals nor have I authorize anyone to conduct business on my behalf. They also indicated that, for such transfers to be made from my account that a notice must be sent to my phone by Bank Of America, no notice of such transaction was sent to my phone.They have also indicated that my phone might have been ported that could be the reason I did not receive any notice of the transactions on my phone. I have gotten my phone records during this period from XXXX XXXX XXXX which shows that my phone was not ported nor did I receive any message from Bank Of America.

A request for Bank Of America to reconsider their decisions was filed and up till now they have decided not to speak with me, respond to to my emails, nor my attorney 's mails or emails.

Is quiet unfortunate that I have been treated so bad by the staffs of Bank Of America especially XXXX XXXX despite the fact that I have been a loyal customer to Bank of America for over 12 years of being in business.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX reported balance {$230.00} This account doesn't belong to me i tried contacting the company numerous times and haven't been shown proof this account is mines i want it removed from XXXX report asap
Consumer complaint received 2018-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

My complaint is against Bull City Financial Solutions the original creditor is XXXX XXXX XXXX XXXX I received a notice that I owed a balance of {$390.00} from Bull City Financial Solutions being that I never heard of the place I called to see what the balance was and why are they contacting me they informed me that I was admit it to XXXX XXXX Hospital XX/XX/XXXX in which they said that I had a child that was born that day who was XXXX I inform them that I was not admitted in the hospital to deliver a child in XXXX my last child was born XX/XX/XXXX I do not have a child XXXX years old and the debt is not mine so remove it from my credit they refused to remove it from my credit and they insist that I had a child that was born XX/XX/XXXX and was XXXX XXXX and XXXX XXXX Hospital I told them to do the research I am XXXX years old my youngest son was born XX/XX/XXXX I would like to add also that I received the XXXX XXXX XX/XX/XXXX there is no way that I had a baby in XXXX and I need that debt removed from my credit they refused. Not sure how they even obtain my information to even send me a bill and I need this investigated because obviously I am another victim of identity theft
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (DC)

XXXX XXXX XXXX  appeared on my credit report attempting to collect {$140.00} dollars from me. The account states it was from " XXXX XXXX ''. I had received no paperwork or notifications of this debt. And was never given an opportunity to dispute it. I filed a dispute with all 3 major credit bureaus, 1 of which has cleared it from my credit report. I wanted to file a complaint to get this false collection removed.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I have sent three debt validation letters and they respond with a copy of a bill. They were all sent certified mail. The mailing dates were XX/XX/2018, XX/XX/2018 and XX/XX/2018. They are claiming I have a balance of {$740.00}. I do not own this debt and would like to file a complaint.