davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
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: Bonded Business Services, Ltd. (CO)

During XX/XX/XXXX I paid a medical collection item directly to collection agency Bonded Business Services. The payment was for {$220.00}. The item was a result of an insurance company dispute that was resolved. I paid the item with the understanding that Bonded Business Services would remove the item from all three credit reporting agencies as it required to under FCRA XX/XX/XXXX. Bonded Business has refused to do so despite three letter demands.

Bonded Business should remove any and all information re this paid medical debt,
Consumer complaint received 2024-10-19
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. (NY)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX Attachments : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft Report
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TN)

In XX/XX/2018, I moved. I cancelled XXXX service at my old apartment on XX/XX/18 and then went into their office on XX/XX/18 to set up service at my new address since when I spoke to someone on XX/XX/XXXX, they said they were not able to simply transfer services between locations. While I was there, the agent offered to take payment for my final bill of {$60.00} at the old address, which I provided ( I still have the receipt from XX/XX/XXXX and my bank shows the payment went through on the next business day, Monday XX/XX/XXXX. ) XXXX has continued to email, mail, and call me about this final bill saying it is unpaid and has now turned it over to a collections agency, Eastern Accounts. The woman there was helpful when we spoke today and took a copy of my receipt to send to XXXX since the last payment the records they sent her reflect was from XX/XX/18 for {$110.00}. So far this week alone ( the week of XX/XX/18 ) I have received a piece of mail, an email, and a phone call about this.
Consumer complaint received 2020-09-22
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: Diversified Adjustment Service, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Diversified Adjustment Services Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/2020 Re : Social Security Number : To Whom It May Concern, This letter is regarding account XXXX, which you claim This is my account and its placed on collections. This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b )  Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

Company closed my account on XX/XX/2018 by phone. I then received a letter that it has been closed and was mailed a check for XXXX. Please tell them to stop contacting me and close my account as they said they did. I want to ensure they close it and stop bullying me or I will seek civil action.
Consumer complaint received 2020-09-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All three credit reporting agencies, XX/XX/XXXX, TransUnion andXX/XX/XXXXare reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.
Consumer complaint received 2020-09-22
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. (NJ)

I was a victim of identity theft and I discovered it back in XXXX. 

I filed an identity theft report with the FTC and sent in all my documents to the credit bureaus, XXXX, XXXX  and Experian. 

XXXX XXXX XXXX XXXX removed the fraudulent account from XXXX   and XXXX  but continued to report the fraudulent account to Experian. 

I sent in a second letter to XXXX XXXX XXXX XXXX letting them know this account is fraudulent and it should be removed from my Experian credit file just as it was removed from my XXXX  and XXXX  credit file. I sent this letter on XX/XX/XXXX in which I have attached the certified mail receipt to this complaint. 

A second letter got sent on XX/XX/XXXX in which the letter and the certified mail receipt are both attached to this complaint. This letter was requesting business records of this fraudulent account that XXXX XXXX XXXX XXXX claims was my account. In accordance with section 609 ( E ) of the  Fair Credit Reporting Act they have 30 days upon request to provide such documentation. I still have not received any documentation in the mail supporting their position that this account belongs to me. 

I have filed a police report and signed and notarized a sworn affidavit that this account does not belong to me and should be removed from my credit file. 

XXXX XXXX XXXX XXXX violated my rights under the Fair Credit Reporting Act by not removing this account and by not providing me with business documentation proving this account is mine. 

In addition to my civil rights being violated they have violated their subscription agreement with the credit bureaus in which I have attached to this complaint as well. I have educated myself with the Metro 2 compliance rules and regulations and XXXX XXXX XXXX XXXX is required to report accurately with each credit bureau they have a subscription agreement with. They are only reporting this fraudulent account with Experian but not the other credit bureaus, how is this in compliance? 

Further questions, how does XXXX XXXX XXXX XXXX reserve the right not to abide by the Fair Credit Reporting Act? Are they able to deny requests of information? 

I have attempted to call XXXX XXXX XXXX XXXX several times to work this out and each time they tell me they can not and will not do anything because they believe this account belongs to me yet they have failed to provide me with such documentation to support that claim. 

XXXX XXXX XXXX XXXX is slandering my reputation and preventing me from moving forward with my life. This is defamation of character at its core. I have provided every piece of documentation requested of me to get this fraudulent account removed and XXXX XXXX XXXX XXXX has not been responsive to my most basic requests.
Consumer complaint received 2020-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

I applied for a mortgage forbearance plan with my mortgage servicer company Quicken Loans as my family income has been adversely impacted by the Covid-19 pandemic. My mortgage is an FHA-secured loan which was subject to the temporary relief afforded by the CARES ACT, signed into law in XX/XX/2020. 
A 6-month forbearance was approved by Quicken Loans in XXXX, XX/XX/XXXX. My approved forbearance plan allowed me to temporarily reduce my mortgage payment through XX/XX/2020. 
Under the temporary relief afforded by the CARES ACT, at the beginning of XXXX,XX/XX/XXXX, I requested a 90-day extension of the forbearance plan, which was also approved by Quicken Loan. The extension of the forbearance plan allowed me to reduce my mortgage payment to XX/XX/2020. A letter from Quicken Loans dated XX/XX/2020, confirming the forbearance plan extension is attached herein. 
However, in first week of XXXX, I received a big package of documents from Quicken Loans, indicating that my loan was past due 153 days, and that it was in default. The documentation attached with the package indicated that Quicken may start foreclosure procedure see Frequently Asked questions section, page 4 of 4. A scanned copy of the package is also attached herein. 
I contacted Quicken loans right away. I had conversation with a representative XXXX XXXX on XX/XX/2020 at XXXX XXXX  eastern time. Our conversation was recorded, and XXXX read me a disclaimer that any information obtained could be used to collect a debt. However, XXXX XXXX informed me that I was secured by the forbearance plan and that as part of the forbearance plan, I would keep on receiving monthly statements. 
However, when asked why I was getting a NOTICE, he could not answer to my satisfaction. He repeated his assertation that You are OK. 
I remember the cruel and rampant and at times, illegal foreclosure actions taken by the mortgage servicer companies in the last housing bust during XXXX. Assertions by the representative of Quicken that I was ok did not reassure me. In fact, after receiving this new Notice, my XXXX  have increased ( in addition to the XXXX  related to the COVID-19 situation ).
Consumer complaint received 2020-10-08
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: ERC (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : ENHANCED RECOVERY # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-08-21
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. (IL)

On XXXX, I complained to XXXX XXXX about an erroneous collection on my credit reports. They apologized, and assured me that the collection would be removed from all three reporting agencies by the end of XXXX. XXXX XXXX then contacted XXXX and instructed them to completely remove any reference to the XXXX collection from all my credit reports. On XXXX a letter was issued to me from XXXX that said they would delete all collection information from all my credit reports. Two agencies ( XXXX  and XXXX  ) were corrected within a few days, but Equifax remained incorrect. I filed a dispute with Equifax on XXXX : the collection was not removed, only updated to paid. I filed another dispute with Equifax on XXXX and even attached a copy of the letter from XXXX  stating that the collection would be removed. Equifaxs dispute response was that the debt was verified and updated. Its STILL on my credit report over a month later.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
XXXX XXXX
Consumer complaint received 2020-09-22
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: Professional Debt Mediation, Inc. (GA)

I sent Equifax proof of the true debt that I owed to XXXX XXXX XXXX ordered by the Court of Magistrate of XXXX Georgia XXXX County I also sent them a copy of the certified check stub from XXXX XXXXXXXX XXXX XXXX and the amount of {$1100.00} which is stated on the court order I've disputed this multiple times the amount that reported by professional debt mediation is incorrect on behalf of XXXX XXXX XXXX I should have been deleted from my credit report because I paid it and have shown proof
Consumer complaint received 2020-10-08
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: CITIBANK, N.A. (NY)

I paid {$120.00} through Citibank credit card for two pairs of trousers from XXXX XXXX XXXXXXXX that were never received by me. XXXX XXXX XXXX XXXX$120.00} on XX/XX/2020. 
The seller says they were delivered but they were not received by me. They initially offered me a refund but reversed the credit. There was no way for me to contact the seller at all except by very delayed email. So I have paid for items I never received. Surely they have insurance for lost or stolen items. 

The dispute center said this : Reason for Dispute Goods / services never received Credit Status Conditional credit reversed Investigation complete Resolved in merchant 's favor XX/XX/2020 2020
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX.
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (FL)

I received papers via mail XXXX-18 stating I was denied for a house loan {$92000.00} that was filed on XXXX-18. I never filed for a house loan or any other loan for that matter. I notified the company and they are pulling the call That was made and will be contacting me back. 

After filing a complaint with the company and speaking with someone they never contacted me back about the situation, then today XX/XX/XXXX I receive information stating I'm aware and basically realize that I did file the loan. No one still has not contacted me back about this to let me know anything that happened. I was told I would be receiving a call back once the call was pulled in which never happened. I want someone to explain to me what is going and why I am not being called about this? I did not consent to anything nor Have I filled any loans out online.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PR)

So on XXXX XXXX I decided to get XXXX  using Apple Card with their finance options, but I had to cancel my order because I changed my mind on the model and I ordered a different model. Initially I paid {$8.00} for expedited shipping and it was charged on my Apple Card XXXX XXXX. I saw the pending charge of {$8.00} and didn't think the pending charge would be on the account longer and it will fall out. It's been 3 months and I have reached out to Apple Card numerous of time and countless hours. I now understand no one is competent to handle my situation and they keep brushing me off, cause they can not find the solution. I have been told different dates that my problem was going to be solved, some said 3 days, some 5, some  10 and some even 90 days. I'm very frustrated as this is not my fault and I have to call them from my time and spend hours going through this ordeal.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.