davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

The letters, statements and notices werent straightforward about the status of my loan or its recent activity. The automated phone prompts and voice response system also gave me a hard time when I called in to receive clarification on the status of my loan. I had updated my automatic payments based on all information provided on the website and forgot that I had when I started receiving letters from them informing me that they had returned my checks. I was no longer in a rush to check why I was continuing to receive notice about the checks being returned because I assumed that updating the automatic payment information to meet the deadlines established on the website without logging on was valid and sufficient to keep my account in good standing. My account is in good standing but I could not tell unless I called the customer service center. I think that may bank may have continued sending checks without my permission.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I send in my payment to the address ( XXXX XXXX  XXXX XXXX OH XXXX ) per the company and it is not applied until they are able to charge additional fees and charges. This company has charged more than {$500.00} in additional charges. You can not setup to have it done on line without agreeing to giving your information to third parties. Attached is last months payment that was mailed on XX/XX/2021. It is still not on the new statement of XX/XX/2021. For new charges. For any additional information please contact in writing.
Consumer complaint received 2021-04-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I contacted the credit bureaus on several occasions and I have yet to receive a response on these items in question that I submitted for investigation. Can you please assist me here. As a consumer I have the right to submit disputes and they are supposed to by law investigate them within 30 to 45 days and it has been 5 months top with absolutely nothing at all from any of them. Please help me. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

Hi, I have had a credit card with Citibank for 8 years. In XXXX, my card expired and I asked for a new one. The company refused on numerous occasions to issue me a new credit card, however, left my account open and it still shows as an open account on my credit report. I was told they refused to issue me a replacement card because of a debt that was owed from XXXX that was then added to my credit report in XXXX. I was contacted by a law firm representing a company that had purchased the debt from Citi bank and was told by Citibank that I was not allowed to have a new replacement card until I paid the debt. Upon speaking with the lawyer on the phone, he said that the debt was opened in XXXX, which was a XXXX, it was opened in XXXX when I was in college. I had not heard from Citi or anyone regarding this debt for years until XXXX and this situation came up. I negotiated a lower payment with the law firm and contacted Citibank for a replacement card since the debt had now been paid. They continued to refuse me a replacement card, hanging up on me on the phone as well. I to this day still have an open credit card account with Citibank that is XXXX years old, with no payments due, XXXX balance, and am still refused a replacement credit card, even with the previous debt that is XXXX years old now being rectified.
Consumer complaint received 2024-08-23
Product: Credit reporting 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 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 2021-04-23
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: Law Offices of Timothy E. Baxter & Associates, P.C. (MI)

On XX/XX/XXXX the law office of timothy pulled my credit report without my consent. I've never heard of this company or to my knowledge never done business with this company so I'm not sure why they would be request my credit report without my consent. 

On XX/XX/XXXX the law offices of timothy pulled my credit report again without my consent on XX/XX/XXXX i contacted Experian and let them know about these unauthorized inquires and they told me they could pull my credit if i owed them a debt and i know that's not true this is against fdcpa
Consumer complaint received 2021-04-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The XXXX account XXXX is inaccurately reporting on my credit report. Experian and XXXX keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.
Consumer complaint received 2021-04-23
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This has been going on for 2 years now. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over 10k dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's XXXX address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about 20 pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments that show on my XXXXredit score because I the fee was not waived and if the fee is not waived, the late payment counts against me, which is something they never displayed to me and as a matter of fact they told me the opposite. I have been fighting to remove this for two years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the 10k for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (NV)

XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for XXXX as XXXX of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  to Fraud, XXXX XXXX XXXX XXXX to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration XXXX 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : American Express XXXX, AMEX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as XXXX XXXX XXXX, Incorporated doing business as XXXX, XXXX XXXX doing business as XXXX XXXXXXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, Latitude XXXX, XXXX XXXX : Coordinates XXXX XXXX ' XXXX '' XXXX, XXXX XXXX ' XXXX '' XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (MI)

On XX/XX/XXXX and XX/XX/XXXX I mailed NCB Management Service Certified letters asking them to verify that this debt, they claim I owe belonged to me. I never once received verifiable proof from them with my signature on any type of documents nor any type of paperwork stating that I had any type of legal binding agreements with them pertaining to this debt they claim I owe. Therefore, they proceeded to violate the FCRA and damage my credit. 

Balance : {$2900.00}
Consumer complaint received 2021-04-21
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. (OH)

This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : 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 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX of XXXX, XXXX XXXX XXXX  ( XXXX ) withdrew XXXX dollars from my account for no service provided as of yet. My email was spammed with phishing emails and no valid numbers or emails. These were to be credited back to account After an email was provided included invalid emails sent through a portal not controlled by XXXX. They did not credit my account instead they continued to keep withdrawin another XXXX dollars using my debit card without my authorization. I had to have a new debit card re-issued. This was a trial run using XXXX. 
A dispute was issued and monies were credited returned to my account by Navy Federal Credit Union ( NFCU ). 
Several request were made to have copies of merchant response sent to me so I could respond. This information was witheld from me to-date no merchant response received. This bought the attention of the dispute department and appeals or cco resolution. 
Navy Federal Credit Union allow theft of my funds from account through use of my debit card by XXXX. No proof was not shown that leads were valid and that an investigation insued for the return of my funds. Instead an email was sent they Will release funds merchant on XX/XX/XXXX. Even after I provide all the supporting documents in my favor and possession to NFCU XXXX RESOLUTION but they denied my dispute and denied my an appeal. As well as allowed someone named XXXX And XXXX XXXX to open a savings account using my address. After bringing this to accounting fraud department attention I got an email they were returning funds to XXXX. This put my account in the negative and I had 'to take from a personal joint account to cover my payroll to my XXXX XXXX. I will report this IRS to transparent about my business account. 
Also this XXXX was reported to Federal Trade Commission for deceptive trade practices and fraud emails phishing spamming and theft of my money using my debit card unauthorized during a trial period of less than 30 days and withdraw after account closure requested with 30 day period for Since opening my business account it has been pristine and well maintained and managed. {$560.00} and {$84.00} must be redeposited to my account because of unauthorized amounts. 
My account was cancelled within 30days due to poor customer service and failure to credit back account for invalid emails and unauthorized debit from my account.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report. These fraudulent accounts are hurting my credit score and preventing my ability to buy a home.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On approximately Saturday, XX/XX/XXXX I was served with a summons stating I was being sued my Midland Credit Management for {$1800.00}. I have never received notifications from this company in reference to this debt. I received a phone call from a debt collector but they never stated their name therefore I did not speak to them. The summons stated to provide a written response within 14 days of this date and I sent a certified letter on XXXX XXXX denying the debt I was being sued for and requested the contract that I should have signed if it was my debt. Neither the court or Midland Credit responded that they in fact received my letter. 
On Saturday, XXXX XX/XX/XXXX, I received a default judgment against me stating I owed this debt. I was never sent a trial date, therefore Midland Credit won the suit by default. I have checked all 3 credit reports and nothing of this value is being reported as a collection item or charge off. I did notice that Midland credit did in fact run my credit against my knowledge four times in XXXX. 
This is not my debt and now due to a default judgement against me I am having to pay Midland Credit Management for the amount of {$1800.00} plus 5 % if not paid in full. If I appeal the decision the amount is estimated to be roughly {$3900.00}.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (TX)

On XXXX Sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-22
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)

Hi Equifax, I just received copy of my credit report and I found those fraud inquiries that shall deleted from my credit report. 

XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX XXXX  inquiry date : XX/XX/2024 XXXX XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX XXXX inquiry date : XX/XX/2024 XXXX XXXX XXXX inquiry date : XX/XX/20XXXX XXXX XXXXXXXX inquiry date : inquiry date : XX/XX/2024 XXXX XXXX XXXX XXXX, inquiry date : XX/XX/2024
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. The law clearly states from date of adjudication or date of order of relief. A Dismissed Case will never have a " date of Adjudication '' or " Order of Relief ''. Experian is in violation of the law and must immediately remove this information. 

Considering that this does not require an investigation, I would appreciate Experian removing all dismissed Bankruptcies within 14 calendar days from receipt of this complaint.
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (WA)

A debt collection agency in New Jersey is contacting my family member to tell them that I owe {$3000.00} to Citibank. I have asked them to remove the number of my XXXXyear-old mother who lives XXXX miles from me - but they continue calling her every day. I owe the debt but am currently unemployed. The caller uses a threatening tone and makes vague statements to my mother - but hasn't left a voice message or call for me. In XXXX I asked the to stop this. They continue. 

Previously a woman was calling and I told her not to call my family. The calls stopped. However this week a man named XXXX has called my mother every day. I have spoken to him and told him this was harassment and he agreed. But the calls have not stopped. 

XXXX - XXXX