davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to you with immense frustration and concern regarding my repeated attempts to address the fraudulent items that persist on my credit report. Despite multiple efforts to dispute and rectify this issue, the fraudulent items continue to damage my financial reputation, and I insist on immediate resolution. 

I have initiated disputes for these fraudulent items on numerous occasions and yet they remain on my credit report, causing distress and limiting my access to loans, credit cards, and other financial services. I have provided comprehensive evidence to support my claims during each dispute, yet there has been little to no progress in resolving this matter. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans and credit on favorable terms. It is my right as a consumer to have an accurate and just representation of my credit history. 

I insist that you treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is essential that you take prompt action to correct the situation. I request the following : An immediate, thorough, and unbiased investigation of the fraudulent items in question.

Regular updates on the progress of the investigation.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the results of the investigation.

I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to remove the fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report, I am a victim of identity theft and did not make these charges. I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Galaxy Capital Acquisitions, LLC (GA)

XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for XXXX is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your THE XXXX XXXX XXXX XXXX XXXX Dental account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website https www.spirerecoverysolutions.com Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You XXXX also contact our office at XXXX or chat with us on our website. 

View your secure message in XXXX ways From the XXXX XXXX XXXX XXXX app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (CA)

XXXX XXXX XXXX  someone logged into my account and stole my funds and sent them to their bank account. I appealed and initially they said it was approved and to wait 3-4 business days. After waiting 4 days I call and they said it was denied and it went to the correct person. They have had my original and only bank info on file and can see it was changed and they still say it went to the correct person. I am a father of a XXXX XXXX XXXX girl and this is my rent money. I had to make massive adjustments to keep my family afloat because of this. Please help.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2018-08-09
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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (UT)

My wife and I purchased a car from XXXX XXXX XXXX back in XX/XX/2014. When my wife started her XXXX treatment, we realized we were in need of filing bankruptcy. Before filing, we took the car back to the dealership and let them know we were unable to keep it. The charge off on our credit is {$6700.00}
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (KS)

I applied as a joint applicant for a personal loan on XX/XX/year> online on the Penfed Credit Union website for the loan amount of {$13000.00} after my husband was denied for a personal loan. We were denied on the joint application. I spoke to Penfed to understand the reason for the denial as I have an outstanding credit score/history. Penfed indicated that they would be mailing a letter of denial with the denial reason. We both received the letter of denial with the same reasons of denial as follows : utilization of accounts, number of accounts, and/or occurrence of a derogatory event.

The reasons provided by Penfed for denial are ambiguous due to the fact that : - On the same date, XX/XX/year> after the denial from PenFed my husband applied as a single applicant for the same amount and loan type with another lender online and was approved in minutes. 

In addition my credit details are as follows : - Credit score of XXXX ( according to Penfed ) and XXXX reported by XXXX - A credit usage percentage of 28 % ( less than 30 % is considered good ) - No history of late payments - No negative or derogatory history Due to the reasons for denial being untrue and my strong and solid credit history. I have no other reason to believe that disparity is confirmed and that I was denied due to the fact of being an XXXX XXXX with a XXXX name. This leads me to believe that PenFed is engaged in unfair credit lending practices.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I completed my XXXX XX/XX/2008. Since my 10 years For loan forgiveness is coming up I submitted some Documentation from hr supporting the length Of time I had worked as a XXXX. 
I got a reply from the dept of ed stating my loans did n't Qualify. I began looking for a better loan rate Because navient said I could n't lower my rate. 
I was about to refinance my loan with a private company with a lower apr Then navient gave me the number to the dep of ed When I called the dept of ed, they walked me through the application and lowered My monthly payment. I called navient back and the y told me that per dept of ed rules I have To wait ten more years for loan forgiveness. I explained That if I knew I had to apply to qualify I would have done it immediately after graduating They said that it was the dept of ed rules and sorry. They are freezing my payments while my loan forgiveness application is pending. 
Approx 2 months. It seems that they deliberately did not tell me about applying for The loan forgiveness until I was about to transfer my loans from navient to a private lender. 
I do n't feel I sgould have to wait more than ten years for loan forgiveness. They also advised me to take a foreberance on two occasions. I feel taken advantage of and deceived by navient
Consumer complaint received 2024-06-17
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 (CT)

I recently had a account appear on my credit report that I do not recognize or have any affiliation with. I have submitted police reports to to the 3 major credit bureaus and have been stone walled at every turn. 

I have called the original creditor and the bureaus alike and have never gotten the response that is required by law, which is Removing this invalid account. I am from the XXXX XXXX where both my first and last name are very popular seeing as it is a XXXX name. I myself have met many XXXX XXXX in passing that are around my age and can verify it is a very common XXXX name. 

I have contacted XXXX and have been told this account is not on my credit profile and they can not verify it but for some reason it is still appearing on my credit report on XXXX and XXXX which I do not understand seeing as I never opened a account with Capitol One EVER in my life. Under the FCRA I have been advised that these accounts are to be investigated prior to appearing on my credit report and that never happened which is a violation to my consumer rights and I DEMAND this issue be resolved by removing it from my credit report. The reporting companies have the responsibility of ensuring all information being reported is 100 % accurate factual and valid and that has not happened. Remove this account from XXXX and XXXX Immediately as it is my right.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AZ)

As I tried to fight a dispute over clear fraudulent charges made in Florida, a state that I do not reside in, Discover claims that my voice recording had " matched '' a voice confirmation for that purchase. They also claimed that I had confirmed via email even though this is not the case. I believe there was possible identity theft involved and the criminal had access to my email which had this card linked to it. After calling Discover, I had found out that there were more fraudulent charges from the state of Florida, some of them they denied, but for some reason they let multiple pass through on the basis of " voice matching ''. I sent them evidence of my GPS location with time stamps of the days involving the charges, but Discover disregarded them even though it proves I could not have possibly have made those purchases. I do understand why Discover did not recognize these out of state charges that were irregular to my spending habits on this card for example since there were duplicate charges of the exact amount at of {$500.00} at XXXX different XXXX XXXXXXXX Locations immediately after each other which is nearly impossible to physically to do. And Discover was no help in reopening the dispute even though I opened a police report and Discover even asked me if I would be seen on the surveillance video and I responded with a strong no. I believe the Discover representative took my phone conversation answers out of context since they were not very transparent with their questions to make me " admit '' to these charges so Discover does not have to cover them. Discover did not ever freeze the account after detection of fraudulence and they let the fraudulent charges in Florida continue. They also did a poor job of communicating with me by not telling me they were investigating the situation and completely confused me by making me re-setup my text confirmation over the phone even though I had no prior problem when receiving SMS text messages about my account. Discover 's way of notifying me was very inconsistent among charges which ultimately lead to my confusion when trying to settle the dispute.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
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. (NC)

I have already filed a complaint with the three credit bureaus regarding inaccurate data on my credit report. The agencies did not respond to my complaint and accused me of using a third party to send the complaint. I want to clarify that I sent the complaint myself. Attached are my letters, along with my ID and FTC report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AR)

XXXX  - approved for PAYE IDR payment plan XXXX XXXX Submitted Loan consolidation payment plan XXXX  - applied for SAVE IDR payment plan XXXX - called because SAVE IDR had not been processed in 4 weeks and they have removed me from the PAYE IDR and placed me on the standard repayment level program without any notification. They stated it was due to my consolidation process, despite my initial consolidation application clearly stating to keep me on the PAYE program. They told me to apply again over the phone to get this issue settled within 10 business days. Submitted repeat SAVE IDR application over the phone. 
Since then, I have called every 2 weeks to attempt to get this issue resolved XXXX  - called again, put on hold for over 2 hours. they hung up on me XX/XX/ - called again, they stated they would place my ticket on " priority '' for the issue to be resolved. Throughout this, was on hold for over 2 hours to reach resolutions department XXXX  - called again, again, stating they would place my ticket on " priority '' again being on hold for over 2 hours to reach resolutions department XX/XX/ - called again, issue still not resolved. I am still on standard repayment program. I have been on hold trying to reach their resolutions department yet again.
Consumer complaint received 2023-08-02
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. (NV)

I am submitting this complaint for the eleventh time to once again for a reason that am still seeing these accounts in my Experian and XXXX credit file. And it was already making me anxious as even how many times I am requesting the Experian and XXXX Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the Experian and XXXX Credit Bureaus to REMOVE these specified accounts from my credit file : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IN)

XX/XX/XXXX - court date & Judge dismissed due to loss of job XXXX XX/XX/XXXX - XX/XX/XXXX - LVNV Funding called me every single day, multiple times a day threatening me & falsely accusing me of debts not owed. 
XXXX per XXXX XXXX notifications- The amount of debt owed increased {$36.00} XXXX per XXXX XXXX notifications- The amount of debt owed increased {$120.00} XXXX per XXXX XXXX notifications- The amount of debt owed increased {$230.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a Consumer complaint XX/XX/ in regards to an account that is reporting two separate times on my credit report with different information of each of the reports. I submitted documentation proving my points. 
The account in reference is the XXXX XXXX XXXX XXXX  XXXX for an amount of {$740.00}. 
Ive submitted my dissatisfaction multiple times and the hinderance that the inaccuracies that are being reported is affecting my ability to pursue futhur in life.