davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-07
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. (WV)

On   XXXX   XXXX   XXXX     there was an inquiry turned in to the credit bureau for me applying for a   XXXX   XXXX   account. I did not authorize or attempt to apply for   XXXX   XXXX   at any time ever. I submitted a dispute via   XXXX   XXXX   but have n't heard back. There was also a charge from   XXXX   XXXX   for  XXXX  which was not me and I 've ask for them to pull the video to prove my case and this was over 3 years ago. Also,   XXXX   XXXX   XXXX   keeps transferring a   XXXX   dollar Invoice via different collections to keep a 7 year debt on my record they promised to delete since I have their service now. Same thing with   XXXX   XXXX   for   XXXX    XXXX   or so. I switched to a new provider. I have ID relief from the gov't because my identity was compromised per stolen records from the military. Please help to clear my credit.
Consumer complaint received 2017-05-07
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. (CA)

Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received. With your assistance I am re-sending then again. REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all XXXX credit reporting agencies all by certified mail ( copies of receipts enclosed ) requesting you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft. To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft. Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the Consumer Financial protection Agency for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally. If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of one item have been delete and that the creditor or collectors have also being advice and have them what is  necessary on their part to follow for not to cause any more damages to my credit profile. I take my credit very seriously and any lack of professionalism and assistance will be. I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I anticipate your response. Sincerely, XXXX XXXX
Consumer complaint received 2017-05-07
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: EQUIFAX, INC. (CA)

Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received.     With your assistance I am re-sending then again.     REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all  3 cr edit reporting agencies all by certified mail  (  copies of receipts enclosed ) re questing you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft.     To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft.     Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the  Consumer Financial protection Agency  for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally.     If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of  XXXX  item have been delete and that the creditor or  collectors ha ve also being advice and have them what is necessary on their part to follow for not to cause any more damages to my credit profile.     I take my credit very seriously and any lack of professionalism and assistance will be.     I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.   I anticipate your response.     Sincerely,   XXXX   XXXX
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (SC)

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 2017-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the  Bureau  has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
Consumer complaint received 2017-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

On Friday  XXXX   XXXX  I received a letter from portfolio recovery prior to this I talked to them on Monday or Tuesday about just paying off  XXXX  debts that was n't mine but since I was trying to purchase a house that was required well on that day they told me about a debt I owed I told them they were wrong because I never had that card therefore I disputed it so I get home Friday and I check my credit report they have n't verified the debt or nothing they just put it on my credit sent me something via mail saying they bought a debt but how do I know that they did n't just make that up I do n't see my signature on anything
Consumer complaint received 2017-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AL)

On   XXXX   XXXX   I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was given a misleading " loan modification '' by Nationstar Mortgage. What they gave me was a loan forebearance, disquised as a loan modification ( see the attached documentation ).   My payment for the initial two years has been {$1600.00}.   I received a notification " of the successful complettion '' of my loan modification, and informed that my new payment effective  XXXX   XXXX , will be {$6400.00 } ( an  increase of over 400 % ).    NationStar tol d me that I qualified for a new affordable payment, and that it would be extended if I made my payments on time. All payments have been made on time.   This is a consumer loan. A loan on my personal residence. I can understa nd a 25-50  % increase. A 400 % increase is criminal and must also be a violation o f Dodd Frank  laws.   The irony of this situation is that my original countrywide loan was an adjustable loan at 2.00 % over 12 month treasuries ( currently under 3 % ). Had the loan never been " modified '', My payment would be several  thousand  dollars less than they expect me to pay them in  XXXX . My loan balance also significanty less than it currently is. They also want me to pay back the entire loan, over the remaining 19 years.   I have written to th e Chairman and CEO, and have not been offered a solution. If their intention was to push me into a short sale, why did they trick me into making payments to them in good faith, over the past two y ears?   There is no equity in my proper ty ( it 's w orth {$100000.00} less than the current loan balance ).   Unfortunately refinancing with another lender is not an option.   I 'm sure that I 'm not the only  Nationstar  customer that in this situation.   I 've attached all supporting documents.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Clarity Services (AL)

I have received an unsolicited check from a loan company called "  XXXX   XXXX  '', and the check is connected to a form provided by a credit rating company named " Clarity Services '', and instructions are provided for opting out, and I did call the number provided,  XXXX , and I talked with someone there who got my name, date of birth, phone number, etc., but she wanted my Social Security number as well. Apparently my Social Security number is floating all over the financial world attached to my credit rating, and the only way to stop this avalanche of unwanted, unsolicited offers for loans is to provide my Social Security number. I have been warned countless times not to give my Social Security number to people on the phone or in writing without a very good reason. I asked to speak to a supervisor,  XXXX , I think his name was, and he explained that the only way they could confirm that I am the person making this request was to provide my Social Security number. I do not want to get these offers for loans. If I ever needed a loan, which I believe is unlikely, I would go to my federal credit union, not  one of  these loan companies which send out {$900.00} checks to any and all. Is there no other recourse for people like me who do not want these credit rating companies sharing my information all over the place? Must I give them my Social Security number in order to opt out?
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have disputed  XXXX  with   XXXX   several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX   continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe  XXXX  is trying to re age the debt.
Consumer complaint received 2017-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SECURITY FINANCE CORP (GA)

I got a loan from  Security Finance i n  XXXX , Ga  XXXX  on  XXXX   XXXX ,  2014  and the account was paid off on  XXXX   XXXX ,  2014 . The monthly payments were only {$70.00} but i will admit finances were tight during that time. In those few months i was late 3 times but the manager told me that they would not report that it was late as i had a good history with them and have always paid on time. Well she lied and it did report and now it really looks bad on my report and its very frustrating. Also, when i paid it off, before doing so, i asked if they would remove the account completely from my credit report and they said they would. I should have known from the previous deception that i could n't trust this company but i took there word unfortunately and now i 'm unable to get certain credit cards and have a negative account against me on my credit. If someone could please just help point me in the right direction on how to get this account off of my report i would be SO grateful. Thank you.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America withdrew {$910.00} from my account on    XXXX / XXXX /17   claiming that   XXXX   XXXX   had contacted them and stating that the check had been presented twice - once to mobile deposit and once to  XXXX . I did not cash any check at  XXXX . BoA refused to provide me with any additional details such as the date of the transaction, etc. They told me they mailed me a letter and that I should take it up with   XXXX   XXXX  . I then contacted   XXXX   XXXX    (  as did the party who issued the check to me ).  XXXX  conducted and investigation and determined that the check was only negotiated ONCE. To Bank of America. They had absolutely no record or contact BoA nor of the check being used at  XXXX . They offered to speak to BoA to clear the matter up.     I then contacted BoA again who suddenly claimed that   XXXX   XXXX   had nothing to do with it. They claimed that i had deposited the check once by ATM and once via mobile deposit. Again, utterly untrue. Actually, i accidentally deposited the check twice via mobile deposit. The first time i tried, it did not appear to go through ; I deposited the check again and later got  XXXX  confirmations. However, the money was only deposited a single time into my account so there would be no reason to later withdraw it. They supposedly launched an investigation to reapply the funds to my account. They assured me that i would hear back by yesterday. I did not, of course.     I then called them to follow up on the return of my funds, and this time they were back to claiming that it was negotiated at  XXXX . The person I spoke to -  XXXX  - was a complete  moron and  was utterly unhelpful. His suggestion was to have the party write me another check. But the money was never returned to her. And   XXXX   XXXX   claims it was not returned to them. Basically, BoA withdrew funds and send them ... ... who knows? Again, they refused to provide me with any proof that the funds had been used at  XXXX , and they refused to discuss it with   XXXX   XXXX    ( th e bank the check was issued from ).     They no refuse to help me in any way and refuse to provide me with proof the funds were used somewhere else. At this point, i consider this straight up theft, and I intend to contact the police as well as the Attorney General if the funds are not returned immediately with interest.
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

On my first complaint I stated that I was back charged over XXXX dollars at a rate of XXXX percent XXXX years on around XXXX. This was on my Lowes Synchrony Card. Now Synchrony has cancelled my card from XXXX XXXX XXXX even though there is a XXXX balance and also having been current even on the XXXX XXXX. This is punishment for sending this information to you department. I am sending my Account statement showing 64 percent interest added to my balance and also the letter from Synchrony Canceling my XXXX XXXX XXXX account card which had a XXXX balance.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Quick silver I have sent my DL and copy of my ssn in branch, faxed, uploaded everything since XXXX when I took out a auto loan with capital one and that started this mess. I am XXXX XXXX XXXX born in XXXX in XXXX of XXXX I did not receive a ssn until XXXX. This Quick Silver account was open XX/XX/XXXX partial acct # XXXX ... credit limit {$6300.00} with a balance of {$5700.00} I would have been XXXX XXXX XXXX and 10 years before even qualifying to have a ssn. I dispute and all capital one does is verify the amount and expect me to pay an account that's not mine. They have also shut down and restricted one of my Quicksilver credit cards because of this and blocked me from allowing me to make payments on my card though the years causing late payments when they somewhat get it together and allow me some access to make payments. My credit and when I banked with capital one, my bank info with them also got mixed together with this other customers ' I have been given access to her ( s ) account though out the years yet no one can understand its not me this other customers account is even in a different language.
Consumer complaint received 2017-05-07
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: DISCOVER BANK (TX)

During th e    XXXX   XXXX    2017 i had  an inquiry placed on my  XXXX  credit report. The  Unauthorized Inquiry was placed by Discover  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  Discover with no results. Discover denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

I am writing due to the negative marks youve made on credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. Im sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting FULL validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you ONLY contact me by writing and provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : 1. Provide the assignment contract - In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. 
XXXX. A copy of the original contract and/or original purchase agreement that created the alleged debt. 
XXXX. Also include a full accounting history from the original creditor including date and amount of each payment, the Date of First Delinquency leading to the collection status and Date of Last Activity. 
XXXX. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
XXXX. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Party Debt Collection Bond. 
XXXX. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. 

Im sue you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 

Account Name : I.C. SYSTEM, INC | Account Number : XXXX