davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Report # XXXX for XX/XX/18. Experian is fully aware that in the past, information in my file has been mixed with someone else who has a similar name. Experian should have measures in place to prevent this from happening, however it continues to happen because currently there are six ( 6 ) errors in my file. These errors include two ( 2 ) incorrect names, three ( 3 ) incorrect addresses and one ( 1 ) incorrect notice. I only have one name : XXXX XXXX XXXX. That is the only name that should appear in my credit file. There should be no other name variations whatsoever. Personal Information in my credit file is incorrect, mixed with someone else and does not belong to me. Please delete the following NAMES from my file : XXXX XXXX XXXX ; NAME IDENTIFICATION NUMBER : XXXX ; XXXX XXXX ; NAME IDENTIFICATION NUMBER XXXX. I only have one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is the only address that should appear in my credit file. Please delete the following three ( 3 ) ADDRESSES from my file as they are mixed, incorrect and do not belong to me : XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX. Please delete the following NOTICES from my file as this is not my business and I have never done business or obtained legal service of any kind : The address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have provided a copy of the credit report with errors highlighted. Attachments : driver license, social security card, copy of credit report with errors highlighted, copy of XXXX reinvestigation results showing address deleted due it being " mixed '', copy of XXXX reinvestigation results showing address deleted.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-07
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. (DC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
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. (PA)

Based on, 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (OH)

Account XXXX XXXX Company name : Credit collection service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of any debt If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
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. (OH)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year>
Consumer complaint received 2024-09-24
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: SYNCHRONY FINANCIAL (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCS Financial Services, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am growing tired of receiving late notices and interest charges regarding fees assessed from Capital One Banks illegal handling of accepting charges against our company account. Attachments A through E display my case and I will outline each : Attachment A shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018  to XX/XX/2018 for fraudulent charges to his credit card from a XXXX XXXX. Attachment C is a letter from Capital One ( dated XX/XX/2018 ) that shows the resolution of these fraudulent charges, the deactivation of card ending with # XXXX and the refund owed to our account. 

Attachment B shows our account for XXXX XXXX ( # XXXX ) dated XX/XX/2018 to XX/XX/2018 and clearly demonstrates the card for XXXX XXXX was changed. I will add that, via telephone, I requested XXXX XXXX card should have not been renewed but cancelled under his name since he was no longer in management with our company. Also during that call, I requested to close our entire account ( cards # XXXX and # XXXX XXXX since you will note that NO charges were made on any card since XX/XX/XXXX. 

You will also note on attachment B, his old card number and the last fraudulent charge to that cancelled card. Attachment D letter confirms resolution to the fraud. 

Attachment E clearly displays the error of Capital One by allowing annual charges against XXXX XXXX account even though the three charges, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were against card # XXXX since we DID NOT notify XXXX or XXXX of his replacement card. In fact, we wanted to cancel these charges since these accounts no longer applied to his responsibility or use. 

I have attached all documentation and my letter of XX/XX/2018 to Capital One.
Consumer complaint received 2018-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kelsting Group, Inc. (CA)

This attempt to collect a debt that is not mine. This company contacts me by being served at my home. On a car I had 7 years ago the car was repoed 7 years ago. The company I got the car from went out of business 7 years ago. I had nothing to do with this car after that. Until this year I got served saying I owe money for it being stored and towed off the streets in a whole other county I dont live in and I have had nothing to do with this vehicle for the last 7 years. This place called Kelstin Group is now withholding my income. Please help me. I have talked to DMV and the company trying to sue me. Dmv says they have no right to sue me over a repo they took and I have nothing to do with.
Consumer complaint received 2018-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

In XX/XX/2017 I was notified by Navient that I was entitled to a deferment on my student loans ( one subsidized, one unsubsidized ) because I had been enrolled half time in graduate classes for one semester. I called to ask how much I would have to pay to avoid capitalizing interest and was given an amount in the vicinity of {$72.00}. I attempted to pay this amount twice but it was returned to me because they claimed I sent it to the wrong address, which I do not believe I did. When I looked at my account history last month, I realized a much larger amount of interest was capitalized than I would have paid if I had made the {$72.00} payment for the six months. Also, the months where payments were not taken from my account were different ( later ) than what they stated were the dates of the actual deferment. I was told that I had been given a " courtesy forbearance, '' and that interest had been capitalized on both accounts rather than just the unsubsidized acount. I assured them that I had never requested a forbearance and asked for it to be removed from my account and the interest charges credited back to me. I needed to speak to several customer service agents and supervisors before I was told that they would reverse the additional interest charges. I calculated the overcharged interest to be in the area of {$800.00}. I was asked to wait 24 to 48 hours to recheck my account. When I checked my account again it looked as if several transactions had been initiated to reverse the charges : one for {$870.00} on XX/XX/17, one for {$810.00} on XX/XX/17, and one for {$270.00} on XX/XX/17. My total balance due before I made this request was {$57.00}, XXXX. I expected to see a reduction in this balance after these credits were made, but instead, my total balance was within {$10.00} of what it had been before ( {$57000.00} ). I called Navient again and spoke to a supervisor who insisted that my balance was valid. I asked how it could be that I was credited this amount of money retroactively and my present balance remain virtually unchanged. She could not provide a reasonable answer to my question but continued to insist that it was valid. She offered to send a declining balance statement going back two years which I have attached. This statement looks nothing like the account history that is on the Navient website and I can not understand how the credits were allocated. Additionally, I do not have a comparison of the declining balance statement before the credits were made for comparison. I would like an explanation of how these credits were made to my account with no effect at all on my current balance.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NE)

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.

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 2024-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AL)

I take responsibility that I owed this balance to XXXX XXXX related to automobile coverage. On XX/XX/XXXX, I called this debt collector and negotiated that if I pay a settlement, that they would delete this account from my credit report. They agreed, and I kept my part of the deal, they did not. On XX/XX/XXXX I paid a settlement of {$340.00}. The original amount was {$680.00}. This account is still on my credit report. Last month, XX/XX/XXXX, I starting disputing through the bureaus again requesting that they delete from all credit bureaus due to it being paid. All they did was update my credit report.
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

Back in XX/XX/XXXX my student loan was up for recertification with the income base program. I send the documents requested and they send back and told me they need more information. I send my tax return as requested. I did send the required deadlines however XXXX decided to charge me full scale rate despite I am in the income base program. I am making my regular payment as my plan suggested however XXXX is charging me one month payment of XXXX for the month of XX/XX/XXXX. I expressed to XXXX on several occasions that I can not afford that payment but yet they still threaten me to revoke me from the income base program. My credit is now affected because of XXXX despite I am marking the payment I am requested to pay. When I complain about the huge payment I was told that I have to pay that large payment for that month. I asked why wasnt the payment be on hold due to my paperwork in progress and I was told by one worker that they dont know why it was not forbear but I have to still make the payment. I am at my breaking point with XXXX at this moment and I need your help to handle this matter. 
Thank you, XXXX XXXX
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm reaching out to report an unauthorized inquiry on my credit report, which I believe to be fraudulent. I recently reviewed my report and noticed an inquiry from a company I haven't engaged with, nor have I applied for any new credit or given consent for this check. This unexpected activity is very concerning, as I take my financial privacy seriously.
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account XXXX : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (GA)

XXXX XXXX appears to have intentionally destroyed my credit as well as the coborrower on the account. They offered me an extension, deferment on my account and clearly stated multiple times this will not report derogatorily as the account will be brought to current. I paid {$390.00} for this deferment and followed up with XXXX XXXX multiple times to make sure deferment cleared. Each time I was informed by representative that were back logged but no worries it will be processed and will not affect your credit. Five days later my credit score as well as coborrower 's score decreased by 60 points. I have called XXXX multiple times and their reps always say it will be corrected carelessly. It still hadn't been corrected. Please help.