davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX [ XX/XX/2021 ], I entered into a lease agreement with XXXX XXXX XXXX for a one-year lease, which I paid upfront in full. Unfortunately, my experience at XXXX XX/XX/XXXX took a very distressing turn due to a series of events beyond my control. 

During my time at the apartment complex, I became the target of unwelcome and frightening harassment from an individual residing in the same building. This person not only stalked me but also committed theft, including stealing personal items such as underwear from the laundry room. I promptly reported these incidents to the leasing office at XXXX XXXX XXXX, hoping that they would take the necessary actions to ensure my safety and resolve the situation. However, despite my numerous complaints, the management did not adequately address the issue or provide me with any sense of security. 

As a single woman living alone, I began to fear for my personal safety and well-being. The stalker knew where I lived, and the situation escalated to the point where I genuinely felt my life was at risk. Under these terrifying circumstances, I reluctantly made the difficult decision to vacate the apartment for my own safety. 

I acknowledge that I neglected to provide the required three-month notice for lease termination. However, I believe it is essential to understand the extraordinary and compelling circumstances that led to my departure. I firmly believe that my decision to leave the apartment complex was a matter of personal safety and security. 

I am kindly requesting your assistance in pursuing a goodwill deletion of the outstanding debt associated with XXXX XXXX XXXX. I understand my financial obligations, and I am committed to fulfilling them to the best of my ability. However, I hope you can empathize with the exceptional circumstances that prompted my early departure. 

A goodwill deletion would not only provide me with some relief from the financial burden but also enable me to move forward with my life with a sense of closure to this unsettling chapter. I have learned from this experience and am eager to rebuild my financial stability. 

Enclosed with this letter are supporting documents, including incident reports filed with the leasing office, which substantiate the claims I have made about my unfortunate situation at XXXX XXXX XXXX. I kindly ask that you review these documents and take my plea into consideration. 

I am grateful for your understanding and assistance in this matter. Please feel free to contact me at XXXX or via email if you require any additional information or documentation. 

Thank you for your time and attention to this request. I look forward to your positive response and resolution of this issue.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CO)

I have emailed US Bank, visited US Bank, called US Bank- going back months and months ( US Bank will have a record of everything ). I have not lived in the state of Kansas for over XXXX XXXX. I have never had a safety deposit bank with my XXXX XXXX XXXX mom- XXXX XXXX XXXX who lives in XXXX  XXXX XXXX Kansas XXXX I have notified US Bank in person and using their online complain system. I have spoken with customer service- nobody returns any attempts. 

US Bank continues to bill both my XXXX XXXX XXXX mom and me- and have been doing so for years. ( see attached )
Consumer complaint received 2023-08-01
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: WELLS FARGO & COMPANY (FL)

To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
WELLS FARGO CRD SVC {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WELLS FARGO BANK {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-08-01
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)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC XXXX, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-01
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. (FL)

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. 

Date Reported : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX US DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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 2023-06-28
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: Experian Information Solutions Inc. (CA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXXXXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.
Consumer complaint received 2023-08-01
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (IL)

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-06-28
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. (NY)

I did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent inquiry on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Below are the fraudulent inquiries that needs to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (PA)

My Early Warning reports shows that there is a balance on a closed XXXX  account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a XXXX  Driver 's license. I have a XXXX  license
Consumer complaint received 2023-06-28
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. (TX)

HI 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-01
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX {$2600.00} ( date open XX/XX/2023 ) -XXXX XXXX XXXX {$1400.00} ( date open XX/XX/2023 )
Consumer complaint received 2023-08-01
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 (FL)

Incorrect reporting status. My account was reported late. I mailed off check that was not processed. I have proof of check mailed off. Check was later on processed after due date. Dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the fair credit billing act, specifically 15 u.s code 1666b. If unable to verify the accuracy of the account, delete it from my credit report immediately as mandated by section 15 usc 1681i ( 5 ) of the FCRA
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I have been using PayPal Credit ( XXXX XXXX ) for very long time. I had paid a third party in the amount of {$1900.00} on XX/XX/2018 using Paypal Credit ( XXXX XXXX  ). I  immediately became aware of the exuberant fees and interest rates associate with using this service. I called Paypal and Paypal credit ( XXXX XXXX ) and asked them if I made a payment to Paypal/Paypal credit XXXX Bank in the amount of {$1900.00} that it would be applied to the high interest rate loan of {$1900.00}. At the time, I had several interest free loans that were in progress with PayPal Credit/XXXX XXXX I was assure that the payment would be applied to the high interest loan first and then remaining would be applied to the interest free balances. When the statement came in, I was shocked to see that the payments I made went to payoff the Interest free loans and the large outstanding loans were NOT paid on. This is wrong. This is unethical. This seems to be illegal. 
In the meantime, I have had to get another loan from another financial institution to Payoff my PayPal credit/XXXX balance. 

I called Paypal credit/XXXX XXXX twice and was assured that if I paid the XXXX back, it would go directly to that charge as it had a very high interest rate attached- THAT DID NOT HAPPEN. They mislead me. This has been documented. Even their own employees did not know the sinister ways of this bank. 

This financial institution should be investigated for criminal wrongdoing. They are clearly and blatantly over-charging customers by applying payments to zero interest loans and then applying the remaining portions to high interest rate balances. 

After numerous phone calls to find someone to assist me, I was finally able to get a supervisor who said : You paid {$1900.00} too early. You should have waited a couple of billing cycles to pay it. There is nothing we can do. No one has the authority to override this decision. Thank you Please look into this bank. 

You can see the hundreds of complaints on XXXX against the illegal practices of this financial Institution. Please do the citizens of this great country a service and investigate them thoroughly.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been removed.
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Please see timeline of letters Mailed to credit bureaus. 

Mailed XXXX This is my first correspondence with your company. I have not rec 'd a replyasofyet. 
Mailed XXXX This is my second correspondence with your company. I have not rec 'd a replyasofyet. 

Mailed XXXX This is my third attempt at correspondence with your company. I have not rec 'd a response for any of these lettersasofyet.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I called IQ Data International agency to inquire about a debt in collection. After giving financial information to the company to see what can be agreed upon I was placed on hold and referred to a manager. I was told that I only have two options. To pay the debt and full or settle for less. Both options exceeding the amount of {$3000.00}. Once I made it clear that that wasnt much of an option at the moment the manager started to use a more aggressive tone and imply threateningly actions. Such as threatening to garnish wages without going through the courts. He also told me that I only had 30 mins to discuss options with my wife before makes a recommendation to take adverse actions. The behavior and tatics were unnecessary and caused undue stress on my wife.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, First of all, thank you in advance for your assistance and help.

Purchased a used SUV from XXXX XXXX on XX/XX/XXXX with a cash down payment of {$10000.00} and a loan from the Bank for {$29000.00} which included an extended warranty $ 5,500+ ). 

After a careful reconsideration, we decided to cancel the extended warranty so visited the dealership on XX/XX/XXXX and told them to cancel the extended warranty and they agreed and assured me that they will cancel the warranty and refund the Bank. 

Almost 5 months later, on XX/XX/XXXX, while checking the balances online for the loan, I realized that there has not been a deduction of the $ amount for the cancelled extended warranty. So I called the Bank and explained my concerns and asked them if they had received any information regarding this matter from the dealership. The Bank had replied that they have never been informed as well as refunded and told me because the dealership had never refunded the money, I have been paying additional interest for the monies I did not have to. 

Tried several times for all day for two days to contact the dealership including the gentleman who had helped me with the loan and the sales manager without a luck.

This has been one of the most frustrating moments and experiences in my life and feel like I have been cheated. 

Please review my case and assist me in resolving this case. 

Thank you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.