davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (MS)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Hello, I was a victim of a scam, my bank is Bank Of America. I submitted my claim with my bank about this issue but they cant seem to help me. I lost my XXXX XXXX and theyre not able to retrieve my funds or approve my claim when I have given them all the information about the scammer, his email, the amount sent, etc. Its unfair that this scammer is able to keep my money with not consequences. I just want my money back because I really need it right now. Especially, with this economy. I really hope you can help me get my funds back. Thats all I care about, getting my XXXXXXXX XXXX 

Thank you.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (AL)

My loan was transferred to SN Servicing Company on XX/XX/2022. I was charged a late fee prior to the end of my forbearance. I received a statement regarding my escrow account. The letter stated that the escrow account was negative {$3000.00} and that the additional payment was {$200.00}. I requested an escrow analysis on XX/XX/XXXX according to my RESPA rights. I have not received a response from the mortgage company and it has been almost two months. I have continued to make the additional payment with no response from the company. The mortgage company also charged me a late fee in XXXX for not including the additional payment for the escrow shortage.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-13
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. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (NJ)

I called XXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX years for the account to fall off of my report. XXXX years later, my credit scores ( Equifax and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with Equifax recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.
Consumer complaint received 2023-08-11
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. (VA)

I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Avant : Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-11
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC XXXX XX/XX/2023 Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute on Experian Credit Report Reference Number : XXXX Dear Experian Consumer Assistance Center, I am writing to inform you about a fraudulent account that has appeared on my Experian credit report. I recently discovered this account, and I am deeply concerned about the potential identity theft or fraudulent activity that may have occurred. I am reaching out to request your immediate assistance in resolving this matter and restoring the accuracy and integrity of my credit report. 

Account Information : Creditor Name : National Recovery Agency Account Number : XXXX Date of Discovery : XX/XX/2023 I have never had any dealings with the creditor listed above, nor have I authorized any account with the account number mentioned. The appearance of this fraudulent account raises serious concerns about the security of my personal and financial information. I want to emphasize that I have taken extensive precautions to safeguard my identity and prevent any unauthorized access to my accounts. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the legitimacy of the aforementioned account. I request that you conduct an immediate and thorough investigation into this matter to verify the authenticity of the reported account. Given the nature of the situation, I urge you to expedite this investigation to ensure the protection of my personal and financial interests. 

Enclosed with this letter, please find copies of supporting documentation that attest to my innocence and lack of involvement with the fraudulent account in question. These documents include identity verification, account statements, and any relevant communication with other creditors or financial institutions. 

I kindly request that you take the necessary steps to remove this fraudulent account from my Experian credit report as soon as possible. Additionally, I ask that you provide written confirmation of the actions taken to address this dispute and the subsequent updates made to my credit report. 

I understand the gravity of this situation and am committed to working collaboratively to resolve this matter efficiently. Please feel free to contact me at XXXX or XXXX if you require any further information or if there are additional steps I need to take to facilitate this process. 

Thank you for your urgent attention to this issue. I appreciate your commitment to accurate credit reporting and your assistance in protecting my financial well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/ Inquiry Hard Pull not authorized. 
Hard pull on credit report for credit by : SYNCB/SYNCHRONY XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX ) XXXX Location XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (PA)

A teller from the XXXX texas branch gave out a temperory credit card with my personal account numbers for my business on them. ( XX/XX/1922 ) i notified the office there when i was notified by the Pennsylvania branch that activied my account atm withdraws were happing in Texas with them knowing iam in XXXX at the time and just left office days earlier in PA as were were discussing business.i have filed complaints on the account. The teller who isssued my personal account numbers to a card without any knowledge cost my account XXXX and several overdrafts and i was forced to withdrawl all my money except a few XXXX because of fear it would be taken.i would never give anyone access to my personal account for my business and i had a balance at the time of XXXX a simple mistake by that teller giving out the wrong routing number and not making the complints to make it right and accepting resonbilbility has cost me money time and countless phonecalls to the instituation and staff of the bank.iam a publisher with SESACand have been with the bank for years. i think i should be able to trust they can make the right decision with my money. 
thank you
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


XXXX XXXX {$450.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$700.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} XX/XX/XXXX
Consumer complaint received 2015-10-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX, This Credit Card is over 15 years old and Has already been removed off of my credit report. Bank of America Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

I have been a cash app member since XXXX. I was under the impression, that I had a personal account. I never changed my account to a business account. I was being charged every time I received funds, when I shouldn't have been charged. I don't own a business, and never owned a business, and therefore I shouldn't have been charged. When I noticed the mistake, I used the customer support option on app,, and, didn't get the help I needed.. I called cash app customer service, and they said they only could refund me for 7days. I repeatedly told them, I would like all the money they took from my transactions, because that is theft.. They reimbursed {$28.00} ( which is for the last 7 days ) on XX/XX/XXXX @ approximately at XXXX. I explained to them, that is not even half of all the money they took from me,, which was clearly unauthorized. I asked to speak to someone in charged and was told, I only could do so by email.. I have been exceptional customer, and don't deserve this. Please help
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2023-10-09
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. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (ID)

I originally had my student loan thru XXXX XXXX, they turned it over to Nagivent, so I made arrangements to pay Nagivent XXXX dollars a month so they would stop garnishing my pay checks, I was paying them each month and in the fifth month of paying they told me I had to start all over again, and the keep calling and harassing me at least six times a day, so my complaint is, If they are garnishing my pay check that means they are getting paid and should stop the phone calls, I tried working with them but they are making it impossible to do that!
Consumer complaint received 2023-08-11
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. (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.

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 2023-08-22
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00}
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX  XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX