davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX  ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX**,
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

EXPERIAN IDENTITY THEFT INSURANCE IS NOT OPERATING IN THE MANNER OF TERMS PROVIDED BY THE TERMS IN THE EVENT OF A IDENTITY THEFT EVENT. I have been paying for this service since XXXX. I have never filed a claim before, this is the first experience. I MUST SAY THIS HAS TO BE THE MOST NON COMMUNICATION EVER TO EXPERIENCE WITH SUCH A BRUTAL CASE OF IDENTITY THEFT. EXPERIAN CLAIMS TO OFFER CUSTOMER SUPPORT AND GUIDANCE TO HELP VICTIMS RESTORE THEIR IDENTITY AND SUPPORT IN THIS PROCESS. Well this is certainly UNTRUE AND IS A TOTAL RIPOFF AND SOME CASES I HAVE BEEN BILLED TWICE IN THE same month. This happened over a year ago, however I had one representative named XXXX who attempted to contact me but I cant help but assume that this contact was to document the attempt. I would receive an email from XXXX after XXXX. That I couldnt be reached and to call back. WELL CALLED BACK NUMEROUS TIMES TO NEVER GET A PERSON AT EXPERIAN TO HELP ME. Also, I sent in my claim form for identity theft to consumerinfo, who is AIG and I have not heard anything but a receipt confirming the documents were received. I thought maybe a week into this I would have a point of contact but still nothing. I am overwhelmed and need guidance on how to file my claim appropriately. I do have a challenge with the way I organize the documents as it is extremely difficult to do alone. I barely can keep up because of the aggressive nature of my identity being abused. Being included in every cyber attack and EVERY SINGLE DATA BREACH IS A HUGE UNREPAIRABLE EVENT TO Experience. ALSO WHEN CALLING EXPERIAN WITH HOPES OF GETTING THE ASSISTANCE AS THE TERMS AND CONDITIONS WRITTEN. Instead their ( EXPERIAN ) representatives start asking do you want to cancel provoking questions to get the victim to cancel without ever intending to honor the contract they are claiming to provide for paying {$24.00} monthly. ALSO, I contacted EXPERIAN TO WARN THEM TO STOP ASSOCIATING A VEHICLE I NEVER OWNED WITH THEIR INSURANCE APP AND TO REMOVE THE PHONE NUMBER XXXX. They still have this number attached to my EXPERIAN account when this number was hijacked from in XXXX. TELL EXPERIAN I NEVER OWNED OR EVEN TAKEN A RIDE IN ANY XXXX XXXX
Consumer complaint received 2019-05-29
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. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, our closing disclosure with NFCU stated an estimated escrow monthly payment of XXXX. this amount was based off previous years tax payments, which were based off a significantly lower property value ( {$220000.00} ) under the previous owner. We purchased the home for {$440000.00}, and our taxes should have been estimated based off that purchase price. Instead, they were based off a much lower amount. Our escrow payment was {$520.00}, when it should have been {$720.00} all along. 

On XXXX XX/XX/XXXX, we received notice of the change. Not only will our new escrow payment be {$720.00}, an already large increase of {$190.00}, but we are also expected to pay an additional {$3200.00} either up-front or spread out over 12 months. While I appreciate the option to spread out the payment, I don't think we should be held responsible for NFCU 's clerical error or miscalculation. Had the taxes been estimated based off our purchase price, we would have had the same payment all along with no need for increase. I believe the {$3200.00} should be absorbed by NFCU, as the error is due to their miscalculation.
Consumer complaint received 2024-10-05
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: BMW Financial Services NA, LLC (ND)

Under 15 U.S.C. 1681 - Fair Credit Reporting Act My report is supposed to be accurate with payment information. The vehicle was charged of over 3 years ago and my credit report this month showed I was delinquent in payment for over 3 years. This has caused my current credit relationships to be strained with current credit cards drastically reducing my credit limit which has caused a major drop in my credit score.

Also under 15 U.S. Code 1692, I have the right to not be subject to this unfair Debt collection method. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

This has cause me severe harm and need this completely removed.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 my XXXX  credit card was fraudulently charged three amounts {$330.00}, {$330.00}, {$100.00} I opened a disputed against a fraudster company XXXX  that tried to defraud me and after some time the fraud department of Capitalone.com refunded two charges of {$100.00} and {$330.00} closing dispute in my favor but for some unknown reason rewarded the third charge of {$330.00} to the fraudulent company XXXX and closed the case without an appeal. By doing this Capitalone.com sided with fraudulent company and assisted in defrauding my account by {$33.00}. I called multiple times to XXXX  asking to review the case and reopen the dispute but to no avail.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (GA)

XX/XX/XXXX until XX/XX/XXXX I was applying for social security XXXX which denied and I am XXXX  with no source of income. I can not afford to pay XXXX XXXX # XXXX balance of {$4800.00} as of XX/XX/XXXX. I received a Notice And Summons. 

Attorney : XXXX XXXX XXXX , XXXX ( GA ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Plaintiff : Cavalry SPV 1, LLC, as assigner of XXXX , XXXX . 
Case Number XXXX Date Filed : XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX XXXX XXXX data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXX Experian ), ( XXXX XXXX ) ( XXXX XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (GA)

I went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. 

I paid XXXX $ copay when I went there, doctor did my XXXX XXXX without giving me any estimate and without asking me. I was told that I will have to pay only co pay. 

On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. 

I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. 

I am finding myself helpless in this situation. XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. 
Please help me to resolve this issue and take strict action against malpractice of Hospital .I dont owe anything to XXXX XXXX hospital , XXXX XXXX .
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made 6 transfers this month and last month and after depositing money into my account suddenly I received an email saying I made 7 transfers when there was no money in either of my accounts. I made a withdrawal and they tried to count the transaction itself as a transfer. They did this to steal XXXX and the. Made up a false 7the transaction for last month and I was never noticed which means is is fraudulent activity from inside the bank.they keep trying to collect miscellaneous fees and steal from my account. My bank is the Bank of America on XXXX and XXXX in XXXX XXXX FL XXXX. They keep trying to take advantage of my account because I receive VA payments.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (NY)

On XX/XX/2019, through the website XXXX XXXX I found out that an " On Site Manager '' did a credit inquiry of me through Equifax. I had not authorized any credit inquiries this year, so I immediately contacted Equifax. On or about XX/XX/2019, I called Equifax and told the representative about it. I asked him to remove this inquiry since it's XXXX and unauthorized, but the representative said he can't help me with that. 

I asked for a free copy of my credit report from Equifax. On XX/XX/2019. my credit report arrived and I found out it was XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX ) that had pulled my credit report. This is unauthorized and I had never heard of this company before. If you look at their XXXX profile, you will find that I'm not the only victim : XXXX XXXX XXXX I called XXXX and nobody answered the phone. 

I ask for your help to demand Equifax to remove this credit inquiry from my report, and also look into this XXXX company. This link has more info about this company : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-04
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-09-04
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. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (IL)

XX/XX/2019 I bought a car from Honda Dealership # XXXX American Honda Finance. XXXX XXXX XXXX, XXXX California XXXX phone XXXX. Contract numbers XXXX VIN # XXXX the finance company did Unfair practice for approving my car loan, because the finance company did not used the ( Income to Debt Ratio ) Formula before they approved to finance the car loan. {$41000.00} Including my down payment of {$6500.00} = XXXX. Total Payments will be {>= $1,000,000}. Amount finance {$22000.00}. Total finance including 16.64 % interest is {$13000.00}. 
The car that I wanted to HondaXXXX XXXX  XX/XX/XXXX. But they sold me the car without showing me or telling me the price of the car. And importantly they did not sold me car that I wanted XXXX XX/XX/XXXX .Instead dealer sold me the XXXX XXXX dealer did not even show me the car that I was buying and did not allowed me to test drive the car if I like It. If They did allowed me to test drive the car definitely I would not bought it. The reason Unfair Practice was used to me because my income is base on My social security XXXX {$940.00} monthly. And my car payment {$490.00}. the finance company did unfair practice knowing that I will go to default. I severely suffer that I was in the verge of mental breakdown of how could I live? how will I Make car payments? with the amount I am getting from XXXX.`
Consumer complaint received 2024-09-04
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. (IN)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Well it's supposed to be free but all three of them asked me for a credit card and want me to pay for it to get my score if it's free it should be free I should never have to putting a credit card and be charged for it from my once a year free credit report.
Consumer complaint received 2024-09-04
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)

I need your help with an incorrect account listed on my credit report. This matter has negatively impacted my reputation, and I require your assistance. Your mishandling of my credit information has caused significant distress, and the inaccurate reporting has damaged my standing. Please remove these errors so I can live peacefully with my family.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am contacting you regarding fraudulent information linked to my identity. Unauthorized accounts and transactions have been falsely associated with me, causing significant distress. I have fallen victim to identity theft and have already reported this incident. 

This situation requires immediate attention due to its severe impact on my financial standing and reputation. I respectfully request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary documentation and, if needed, pursue legal action to safeguard my rights and seek appropriate redress.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To my knowledge, I was never late on my Capital One/Cabela 's credit card with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I just made two paymetns of {$300.00} this month to pay the card off sooner. How can it show that I am {$75.00} past due?