davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
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. (IN)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
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. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC (TX)

XXXX  XXXX XXXX and Javitch Block LLC have failed to provide me ANY of the requested information dated XX/XX/XXXX, XXXXeither by posting all the information publicly on the case court docket, attaching the documentation through the CFPBs Meditation Portal, through secured email or regular U.S. regular mail*. 

Javitch Block LLC, on XX/XX/XXXX, filed a motion to extend the time to response to this request to XX/XX/XXXX. This day has come and gone and as of writing of this letter NOT A SINGLE PIECE OF INFORMATION AS BEEN PROVIDED ( over 4 months late ) by any of methods listed above. 

I urge the Federal Government to action against Javitch Block LLC** for ramming through court cases that are seldom contested and result in judgements to the American public that is too busy or dont have the resources to defend themselves from such action. Because they have not proven otherwise, I believe Javitch Block LLC is filing lawsuits across the nation from a central location in Ohio for collection accounts suits. When a company is left unchecked, they will feel empowered to continue actions that may need to be corrected. PLEASE TAKE ACTION CFPB!!! 

* Complaints were filed with CFPB on XX/XX/XXXX ( # XXXX, answered on XXXX AND # XXXX answered on XXXX ) REGARDING NUMEROUS ISSUES ON THIS ACTION ** wide scale audits from across the nation for cases won by default and, as appropriate, criminal and civil penalties for breaking laws in place to protect the consumer at large
Consumer complaint received 2020-12-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (MS)

I called the company " Global Lending Services '' on XX/XX/20 at XXXX to inquire about the debt i owed on my car loan.. I have suffered greatly from covid as i know many others have and they offer ZERO assistance for those suffering.. Once i had read the reviews i saw where the deferred some payments for the people who called attorneys but offered me and some others ZERO HELP. They told me my car would be repossessed and that i needed to get all valuables out. The fact that a company has NO ASSISTANCE for something like this is appalling and they should be shut down.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm calling your attention to an error/bug in your checking account application process, possibly in other products too. 

I already had a Capital One login from a few years ago. 

During the application, I selected I already have a login. I logged in successfully and continued with the application. 

As shown in the attachment, which is the screen right before submitting the application, my address was correctly informed during application. 

However, once the account was opened, the system ignored all the information submitted and used the old address. All paperwork and debit card were sent to the old address, not the address informed during application ( attachment ). 

This is a error/bug in your application process. 

I tried to inform your customer service, but as unfortunately it is the case at most places nowadays, they are not focused on getting better, but simply asked me to call to have the card resent to me. They did not understand the problem, they focused on resending the card. I'm opening this complaint because it is the only way someone will actually do something about this issue, and not just request a new card to be sent. 

You have an error in your account opening process!
Consumer complaint received 2024-08-27
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. (MA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-27
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. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-24
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. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account name : XXXX, Account number : XXXX
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Since XX/XX/2020 I request an Appraisal or BPO for my house to removed the PMI on my monthly payments because the value of my property is over 20 % of total value I owe the Loan Care now XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX Company : Loan Care told me I will receiving the form in 10 days, I never received this docs, I call again by XX/XX/2020 and they say sorry they will be sending the docs soon, never received nothing and they still charging {$220.00} monthly, I call again by end of XXXX and say again I will be receiving the docs to request the BPO or Appraisal the first days of XXXX. 
I do not received nothing and they do not answer the phone call. 
Then they sent me a wrong escrow balance and increase my monthly payment from {$1900.00} to {$2000.00} and they have over {$600.00} on my escrow account and do not return. 
This is my home residents. 
Already call today and speak with 4 different people and they say to removed the PMI the money I owe them of my property will be 76 % according to the law is 80 % Company still refusing to offer me an BPO or a appraisal, I will pay for this. 

Need to solve the escrow money return and my right to request a BPO or Appraisal. 

XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

After multiple attempts by mail and phone requesting they pay my home insurance which is included in my escrow ( {$2600.00} current balance XX/XX/20 ) my insurer is threatening cancellation and late fees are accumulating. this is the second time this has happened in the last 7 years which took me almost three months to be reimbursed by the servicing company. I need the insurance paid, all additional charges removed, my credit record corrected if needed.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I had experienced fraudulent use of my credit card for XXXX, and my XXXX XXXX card. I was able to get the banks help with the Visa but got no where with XXXX XXXX XXXX XXXX. 
I moved from XXXX  to XXXX  during this time and then found out XXXX XXXX sold the account to Portfolio Recovery Associates, LLC, and the amount they wanted was now much larger. I pleaded my case and was able to reach an agreement. I would pay {$1900.00} that day if they agreed to report the account settled. They agreed. I used my bank account debit card to pay them. But it still shows up as an unpaid account. This was about 6 months ago. Since then I can't get in to see my Credit Report, I get to one point and then it throws me off, that's another problem for another day. But since I am applying for a home loan, I'm hoping this is no longer on my credit file.
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Colony Brands, Inc. (SC)

Dear Sir. : I am writing this letter to file a complaint. My Aunt XXXX XXXX opened a credit account with XXXX XXXX in my name without my consent. I want the account closed, but XXXX XXXX refuses to discharge the account. They have sent the account to collections and may bill me in the future. The account number is XXXX. XXXX XXXX is my Aunt, and she is a retired employee of the XXXX XXXX XXXX XXXX. She does the XXXX  for my dad and others in our community. XXXX XXXX falsely claimed that I live with her. I do not live with her! She also claimed me as a dependent and collected a {$500.00} Stimulus Payment from the XXXX. In return, I did not get my {$1200.00} Stimulus payment. Only my dad can claim me as a dependent because he is my Social Security Representative Payee. He and I live together. He told me that he did not claim me as a dependent. 
XXXX XXXX are also billing me. I bought a XXXX XXXX. To get my online XXXX XXXX hooked up to my XXXX XXXX. XXXX XXXX attempted to bill me for XXXX. I do not owe them anything, and I want this billing to stop.
Consumer complaint received 2020-12-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

From XXXX, my Bank of America HELOC account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current XXXX  report, those derogatory payment reports from XXXX remain. I disputed this situation with XXXX ( attached Dispute # XXXX ), but received a response saying that the Bank of America investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to XXXX, and I assume, then forwarded to Bank of America - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.
Consumer complaint received 2020-12-24
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. (CA)

Equifax is reporting 1 inquiry from a company XXXX ON XXXX I have no knowledge of this inquiry and never ran my credit or applied for credit with this company. 

XXXX is reporting 1 inquiry from XXXX XXXX reported on XXXX also I have no knowledge of this inquiry or applied for credit with this company. 

I disputed this information with these companies and neither company provided me with proof. Just verified the information
Consumer complaint received 2020-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (FL)

I have already complained about this company and this same debt.Unfortunately, there were 2 collection companies that were worded ( almost ) Identical. The company reached out to me and told me, I apologize to them I am still in the same boat with the o right collection agency.Ive been fighting this bill for years, which brings up very bad memories every time I have to go through this. I explained this to the company, they are well aware that this bill was paid for, I got into an argument with a few people when this first arise four years ago, and instead of fixing it, or helping me, by removing it, they used to call threatening me, and they listed the same exact debt on my credit report 8 different times. The amount of the debt is {$780.00}, they also sold it to another company as well, so theres another bill for {$400.00} some odd dollars listed on my credit as well which is also the same debt. The bill originated in XXXX or XX/XX/2015, and the original creditor was XXXX XXXX Hospital then XXXX XXXX XXXX. I have explained over and over to the current company going back years now that I had insurance and it was paid for and all it did was get me into arguments. I spoke to the hospital that the original bill was from and the other creditor and I was explicitly told that the bill was paid by Florida XXXX in full. I also had XXXX at the time, they were well aware of both of those things, but now that I spoke to the hospital and they told me the bill was paid and they have no idea why am being chased by this creditor, I dont know what else to do because they will not remove it off of my credit reports. This company is very dishonest. I would appreciate any help you could give me. Thank you so much & have a great holiday! I was just denied by the way for another cell phone, I couldnt get my mortgage and the list goes on.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Experian keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Experian isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (GA)

My identity has been compromised and report to the three major credit reporting agencies prior to this complaint. Only to find an unauthorized and unknown account on my credit file. Im demanding that this account be removed and blocked from my credit file. Ive reported this over 30 days ago without a response. Please remove this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (MA)

I received a card in the mail which I never requested. It had no information with it other than my name. I saw that it was from Cash App. I tried to reach them and they make it very difficult. I tried calling the parent company, Square, and they also can not be reached by phone. I don't know if someone opened an account under my name or this is just a way to get new customers.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I bank with truist/ BB & T , over the time that I have an account with them for over 3 years, I have had problems with my account balance saying one amount available and then when I use money from this account, I get hit with a overdraft fee of XXXX. I have spoke with agents several times and they have explained there reasons for this, but it never adds up to the amount that was present in my account at the time of the alleged overdraft fees. I received two overdraft fees for XXXX upon looking at my account today, XXXX XXXX 2020 when it stated on line that I had money available to use the previous day of XXXX.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Several calls were placed to XXXX, XXXX, and Transunion Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> a letter was sent for the credit bureau to validate certain debts within the allotted time frame, which is 30 days. The letters were sent certified mail and a return receipt was received on XX/XX/year>. It is now XX/XX/year> and I have not heard anything from the credit bureau.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I called fidelity creditor service XX/XX/2020 at XXXX call lasted 11minutes in attempt to start making payments. i was able to accomplish making a payment of {$50.00} on XX/XX/2020 at XXXX. i asked for some form of proof of payment the representative named XXXX told me " no '' they don't do that and that they wont give me anything until my debt is at a {$0.00} balance. she never had me sign an agreement for payments my payments are $ XXXX/month on every XXXX of the month. On XX/XX/2020 at XXXX lasting a total of 3minutes i called again spoke with a woman to make a payment of {$220.00} again no proof of payment not a receipt, email, or a contract because they refuse to give me proof. also if im making payments they should not be increasing my debt amount last reported increase was in XXXX of {$16.00} ( XXXX XXXX didnt give specific dates )
Consumer complaint received 2020-11-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - bank of america status closed charge-off {$3100.00} In XXXX  1- XXXX XXXXXXXX XXXX XXXX .status closed charge-off {$1400.00} 2XXXX XXXX XXXX status closed charge-off {$3100.00}
Consumer complaint received 2024-08-27
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.