davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. XXXX I tried to enrool in the service and XXXX they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had XXXX late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the company a reason why this account could not be included to be paid off and the payments would be monitored. Even when I paif off the account the Account Manager refused to report the account paid.The account manager 's name is XXXX XXXX. I had to give my last payment to XXXX from that department.The specialty assistance department policy is to not charge any over the limit fees and past due fees but once you dont continue with them they will add the over the limit fees and past due charges. They also dont not age the accounts making it seem like the customer did not payoff the account and they will charge it off in a negative way. Now mine you that this is the department that s suppose to bring you up to current payments!!!!!
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc. (LA)

XXXX is reporting a collection debt from Louisiana Recovery in the amount of XXXX. I sent a certify letter on XX/XX/XXXX. I explain this is not by debt. I did n't have any XXXX. 
XXXX responded saying this is my debt. 
I sent a certify letter to the collection agency Louisiana Recovery Service, asking for a itemized bill with a breakdown of the services rendered. 
This letter was sent on XX/XX/XXXX. 
As of today, I have n't received any communication in regard to the services rendered.
Consumer complaint received 2015-05-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (VA)

I sent money to my wife in XXXX the sum of {$260.00} and paid a fee of {$10.00} and when my wife told me that she has changed her name from her family name to my family name ( XXXX, XXXX XXXX to XXXX, XXXX XXXX ), i called western union to change the name so she can receive the money but western union refused that unless they call me on my registered cell phone. I told them am XXXX, right now am with XXXX XXXX in XXXX and that my phone is not working, i told them am ready to provide any other form of identification but they refused unless they call me on cell phone, so i requested to cancel the transaction. Instead of them refunding me my total money of {$270.00}, they refunded me {$260.00}, saying that they will not refund me my fee, meanwhile they refused to change the name and also if i have to send another money i will be paying another fee, i request they issue me back my fee so i can send the money again. This is my wife, and my wife is right now without money and I being XXXX has to take care of my family, but western union is making it difficult for me to take care of my wife. I need my refund fee back
Consumer complaint received 2017-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Hello, I had student loans through XXXX in the past. Since then, my student loans have been consolidated. To my understanding, there is currently a lawsuit against them and I wanted to inquire if my student loans with them are effected. 

Thank you.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to Bank of America including the XXXX Certification, XXXX Certification and Occupancy Certification form. I have not received the full extinguishment as promised by Bank of America and have been waiting. 
Under the XXXX Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program ( HAMP ), a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX Standard Modification requirements. When a borrower 's XXXX lien is modified under the XXXX Standard Modification requirements and the first lien satisfies the HAMP eligibility criteria, the XXXX servicer must offer to modify or extinguish the borrower 's second lien under XXXX. 
I was told that through the extinguishment program, Bank of America will report to the major credit bureaus that the my second lien mortgage is now " paid and closed '' and has a XXXX balance.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (LA)

Greetings, On XX/XX/2016 there was an issue with my autopay and it debited me for double my mortgage payment. This was my fault admittedly as I apparently inputted into the wrong autopay field. I called Franklin American and was told that it would be wired back to my account. This did n't happen for days. I called back a week later and was told the same thing and that it it would then be resolved. That never happened. I called again and was told that it had to now be mailed to me. I agreed to that and never received it. I called again and they said it would be overnighted and I did finally receive it several days later by regular mail on XX/XX/XXXX. Since then I 've been haggling with my bank about all the bank fees I 've received since then and was instructed it is the obligation of Franklin American to refund me those fees. 

This has been extremely frustrating and has cost me a great deal of money. I need this resolved immediately.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine in XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Transunion as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Transunion has continued to report this civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Transunion but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Transunion credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Transunion has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (MD)

WHERE DO I START? I WAS WITH MY WIFE UP ON THE XXXX OF THE XXXX IN XXXX TUESDAY AFTERNOON WHEN DISCOVER CARD DECIDED TO SHUT OFF MY CREDIT CARD FOR NO GOOD REASON! INSTEAD OF DOING THE RIGHT LEGAL & ETHNICAL THING OF CALLING ME ; THEY INSTEAD TAKE IT UPON THEMSELVES TO " PLAY XXXX '' WITH MY CREDIT PURCHASES. I THEN CALLED THEM BACK IMMEDIATELY TO CONFIRM THAT I AM THE PERSON MAKING THE CHARGES ; THAT THIS CREDIT CARD HAS NOT BEEN STOLEN. WHEN I DID CALL BACK, I WAS ASSURED BY THE CUSTOMER SERVICE REP. THAT THE ACCOUNT WOULD BE REINSTATED. THEN I TRIED TO CHARGE SOMETHING ELSE & GOT THE SAME SURPRISE " DECLINED CARD ''. I CALLED BACK AGAIN!! THIS TIME SAME PERSON ASSURED ME MATTER WAS BEING CORRECTED? THAT THEY WOULD ALSO PUT A " TRAVEL ALERT '' ON MY CARD? THEN AGAIN I TRIED TO CHARGE, THEN GOT SAME SURPRISE! DURING THIS WHOLE TIME, MY RELATIONSHIP WITH MY WIFE WAS WORSENING BECAUSE OF THIS " XXXX ''! I CALLED BACK AGAIN, THIS TIME SOMEONE APOLOGIZED? THEN REASSURED ME THE PROBLEM WILL BE FIXED NOW? THEN I LEFT THE BUILDING GOING DOWN THE XXXX FEET ELEVATOR DESCENT FROM XXXX! WHAT A RIDE! THEN WE GO TO A NEARBY VENDOR, I WAS DECLINED AGAIN? I CALLED BACK AGAIN THIS TIME FURIOUS, THIS REP. TOLD ME A TOTALLY DIFFERENT STORY THAT THE CARD CAN NOT BE USED FOR ANOTHER 48 HOURS??!! THAT WAS IT FOR ME!! THANK XXXX I BROUGHT ABOUT $ XXXX CASH WITH ME TO XXXX!!!
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX Bank did not inform me that my card was being used in California. never been there before that shouldve been a red flag XXXX XX/XX/XXXX till XX/XX/XXXX a total of {$21000.00} whats taken from my account. I was given back {$2300.00} of my money, all of the rest was denied.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (TX)

I get monthly calls from a company called Harris and Harris asking for XXXX. I am not XXXX and have had my number since 2012. Im a XXXX not a XXXX. I've explained it to them and they said they will fix it. Hasnt been fixed, I get calls either monthly or weekly now. They never leave a message and when I answer I tell them my story or I call back and tey to fix it. Nothing yet. 
I have no debts and my credit score is XXXX. Just take my number out and fix this please.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, Iwill require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this must be deleted and completely removed from my credit file and a copy of such deletion request should be sent to me immediately.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my XXXX XXXX XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 2023-10-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IN)

On or around XX/XX/2023 I moved out of XXXX XXXX  apartment due to fear of my safety after reporting several incidents that happen while living here like someone setting my semi on fire, cars kept getting broken in and the last straw someone taking all my tires off my car leaving it on bricks. I talked to the manager they agreed to let me leave and transfer to another apartment complex out of the district when I told them I cant do that and I found my own house and gave them my move out date they then added false amounts of debt to my credit report once I moved. Which is stopping me from getting another home. When I left they apartment I left it clean with no damages.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Subject : Dispute of Fraudulent Account - XXXX XXXX, Account Number XXXX ** Dear Equifax Dispute Department , This letter is to formally dispute the fraudulent account appearing on my Equifax credit report, attributed to XXXX  XXXX XXXX account number XXXX. I assert that I did not openn this account, nor have I authorized anyone to do so on my behalf. This account is fraudulent and is negatively impacting my credit score. I have previiously attempted to resolve this matter directly with XXXX XXXX, but they have failed to acknowledge my dispute or cease reporting this inaccurate information to your agency. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/year>XXXX  and have included a copy of the reprtr with this letter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that Equifax conduct a thorough investigation into this matter and permanently delete this fraudulent account from my credit report. 

Attached are copies of the following documents as evidence supporting my claim : Copy of my FTC Identity Theft Report Correspondence with XXXX XXXX I expect a response to this dispute within 30 days, as rquired by the FCRA. Please provide written confirmation that the fraudulent account has been deleted from my Equifax credit report. Sincerely, XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX  agreed to fix a problem with my credit reporting, which it did. However after fixing it, they reinserted the problematic information a few days later. XXXX published the information mere days after it was removed.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.