davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (SC)

I requested via a dispute to update the information on my credit report to show the actual current balance with the actual amount that has been paid off. This is impacting my credit score and impacting my debt to income ratio when looking for a home. 

I have paid on time each time and it seems as if they are only updating reports that show derogatory information, but good information should be reported as well, ESPECIALLY when there is a dispute regarding the information. 

I have rquested a change TWICE via disputes to XXXX and each time, it came back that the dispute was completed with no change to my report.
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NJ)

I had an account with XXXX for many years, it had been enrolled in autopay and my XXXX XXXX card was charged on XXXX, of each month for the current billing cycle. ( XXXX uses a " Billed Current Cycle '' ) The bill is due XXXX  day before the end of the current cycle, the last auto payment was made on XX/XX/XXXX. This was intended to cover the entirety of that billing cycle ( XX/XX/XXXX ). I transitioned service to XXXX effective XX/XX/XXXX. Consequently, my account with XXXX was canceled. 

I recieved a bill in XXXX for the XXXX billing cycle which I ignored as I wasnt their customer anymore, I figured it must have been sent out in error, when I recieved another letter in XXXX stating that I was now late, I reached out to XXXX for clarification on this erroneous charge. I was then informed that because my account was cancelled they couldnt help me and I needed to speak with " XXXX Customer Relations '', when I asked for a number I was told they dont have XXXX, when I requested an email I was informed that the only way to communicate with them was via XXXXXXXX XXXX 

I sent them a letter on XX/XX/XXXX he letter I sent to XXXX making my case on asking why am I being charged this must be a mistake as this is for the month past cancelation, I asked they either remove the charge or explain why they are charging me. 

Their response on XX/XX/XXXX didnt provide any explanation rather they wrote that due to not having paid they were sending it to collections. 

I opened a dispute with all the XXXX credit bureas providing the following documentation : - My XXXX XXXX statement and last auto payment on XX/XX/XXXX. 
- My service beginning with XXXX on XX/XX/XXXX which effectively cancelled my XXXX service. 
- My letter to XXXX presenting my case on XX/XX/XXXX and requesting clarifiaction. 
-And lastly their response ( not addressing my points ) on XX/XX/XXXX. 

XXXX and XXXX have subsequently removed this erroneous collection from my record. XXXX still has it on file.
Consumer complaint received 2024-08-14
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

I took out a 30 year mortgage with my bank, XXXX approximately 19 years ago. I refinaced to a 15 year mortgage approximately 10 years ago. Since then XXXX has sold/transferred my mortgage to Nationstar who became, as i understand it, Mr. Cooper. In XX/XX/year> I paid off my mortgage. On XXXX XX/XX/year>, Mr Cooper sent me 2 checks. One for excess funds in the amount of {$240.00}, the other for escrow account refund in the amountof {$3000.00}. I deposited them both electronically, at the same time to my bank ( XXXX ). The {$240.00} check went thru, but the {$3000.00} was returned. I called my bank to ask why, and was told the only explanantion they had was that the check was " NOT AUTHORIZED. '' I called Mr Cooper, but could not make my way thru the automaton/teleprompt to get an answer. On XXXX XXXX I received a letter from XXXX ( attached ) explinig that the check was " NOT AUTHORIZED '' and to resubmit a paper check via XXXX XXXX. I did this, an again it was rejected. 
I've contacted Mr Cooper several times, and battled with their teleprompt/automaton to get a live agent on the phone... with no success. Ultimatley I have " chatted '' with agents at least three times. Every time the agent wrote that the payment is authorized and has been sent to me, and that they don't understand why I haven't received it. I have attached a trascript of two of these " chats ''. The " chat '' on XXXX XX/XX/year> had " XXXX '', the agent assuring me the check would be received by me no later than XXXX XXXX. On XXXX XXXX after my mail was delivered ( with no check ), I tried calling again ... to no avail, so I " chatted '' with another agent who assured tmeth echeck had been issued on XXXX XXXX, and that perhaps it was delayed in the mail because of the Independence Day holiday. As of today, XXXX XXXX, I still have not received my escrow refund. I have never been late or missed a mortgage, tax, or insurance payment with XXXX, NationStar or Mr Cooper!
Consumer complaint received 2024-07-17
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: WELLS FARGO & COMPANY (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> [ Well fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the Gramm-Leach-Bliley Act, specifically 15 USC 6802.

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared.

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802.

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future.

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Once again I am unable to access my credit report online via the Transunion website. It says it is not accessible. I had this issue with Transunion about XXXX  months ago and now its saying the same thing. I need my current credit report and can not even access it on their website. I had to reachout to them and ask them to mail me one because they didnt know why it was not accessible.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank (TX)

In XXXX, our company received email communication about change of bank information of XXXX of our suppliers. Our Company made a payment to this supplier ( XXXX ) to their new account with SYNOVUS bank on XX/XX/XXXX. On XX/XX/XXXX ( XXXX  ), at XXXX XXXX, XXXX XXXX  called us, stating that the receiving bank found mismatched payment information and had held the funds, asking us to confirm. We immediately called XXXX again and realized they had never changed their bank account! We promptly called XXXX XXXX  at XXXX XXXX, instructing them to stop the payment immediately and asking SYNOVOUS Bank to hold the payment. My manager also sent a text message to ensure they would try to freeze the funds. 

Subsequently, XXXX informed me that their accountant 's email had been cloned. The emails I had received about the account change and confirmation were not from their accountant. That day, after notifying XXXX XXXX, XXXX contacted SYNOVUS Bank ( we are currently obtaining the communication content and timeline between the XXXX banks ) and initiated the fund recovery process. On the next day, XX/XX/XXXX, we reported the incident to the FBI online and the XXXX Police Department. I also personally went to the police station to file a report ( case number : XXXX ). The police said the case would be transferred to the relevant department for handling. 

Today ( XX/XX/XXXX ), we received information from XXXX XXXX  that the online recovery of the payment had failed. During this period, we also contacted SYNOVUS Bank, but they said they could only communicate with the remitting XXXX XXXX. Today, we communicated with XXXX XXXX  again. It is currently unclear whether the funds are still in the SYNOVUS bank account, and it may require legal action or assistance from the FBI and police to recover the funds.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. NAVY FEDERAL CR UN XXXX. {$2900.00} XXXX XXXX XXXX XXXX. {$490.00} XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

The last states that you must have my written consent to share my information with any business, Pursuant to 15 USC 1681B ( 2 ), 15 usc 1692, The law also states that each financial institution that extends credit ( Student loan ) They have a affirmative and continuing obligation to respect the privacy of its consumer ( me ) Protect the security and confidentiality of its consumers. Pursuant to 15 USC 6801 STUDENT LOANS.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

On XX/XX/2023, XXXX day I booked a package trip for XXXX to XXXX XXXX XXXX from XXXX. I used my Citibank credit card. Our travel dates were for XX/XX/XXXX returning XXXX XXXX. Total cost of our trip {$7800.00}. Immediately after booking my reservation my husband had a XXXX XXXX and was instructed to not fly for the next 90 days. It was less than 24 hours from the time we booked. it was not clear our hotel XXXX XXXX was nonrefundable. All the information said full refund if canceled within 24 hours. I contacted XXXX and was only refunded the air fare portion of the trip. I did not get a refund for the hotel which is the cost of {$5500.00}. I called XXXX 7-10 times, explained our situation to numerous agents and supervisors and was told to call XXXX XXXX XXXX I called XXXX many times and was told to call XXXX. I was shuffled between XXXX & XXXX with no solution. I then disputed the transaction with my credit card company but after 6 months they took XXXX side. I even asked for a voucher on a future trip rather than a refund but unfortunately no one will work with me. It is morally wrong to take {$5500.00} from someone due to health issues. I understand the Non refund policy which was not clear in the booking website, but they can issue a credit towards a future trip. Your assistance is appreciated. Thank you
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (CO)

I receive 5-10 phone calls from a company called Central Porfolio Control the agents are different each time. They would like me to verify personal information over the phone and they will notify me of a debt owed. I pay alll of my bills on time and do not have missed payments on my credit. I have checked my credit and all payments are done in timely manner and I am aware of who I owe. I asked them several times to stop calling or verify the said " debt '' they have, I also asked them to send a letter to my address they state they have on file. I have not recieved a letter from this company showing the " debt '' I owe them. They continue to call several times a day harrassing me they have become incredibly rude and hang up on me when I ask them to remove my information from their system.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (KS)

XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an XXXX representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Any identification or corospondence on these accounts was unauthorized and done without my knowledge or consent. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by XXXX to the following : Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (KS)

XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an XXXX representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Any identification or corospondence on these accounts was unauthorized and done without my knowledge or consent. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by XXXX to the following : Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MI)

15 USC 1681 ( a ) Radius Global Solutions LLC are in violation of my right to privacy any information you want to be private that's posted on your consumer report is a violation. Infringed upon my right of privacy as of XXXX Balance {$470.00} 15 usc 1692d 15 usc 1692 ( b ) 15 usc 1692c ( c ) 15 isc 1692g ( b ) Third party debt collector bought an alleged debt. This is identity theft. Unauthorized and unverified without my consent