davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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 for the tenth time regarding the fraudulent items that persist on my credit file. Despite multiple previous attempts to rectify this issue, the fraudulent entries remain unresolved, causing significant XXXX  and XXXX harm. 

It has been a considerable effort on my part to repeatedly provide evidence and documentation proving the fraudulent nature of these items. Despite assurances of swift action, the lack of progress in their removal is deeply concerning and reflects poorly on the integrity of your credit reporting system. 

I demand that you undertake a thorough investigation into these fraudulent entries and take all necessary steps to remove them from my credit report promptly. Additionally, I expect to be provided with a detailed explanation of the measures being implemented to prevent similar occurrences in the future. 

Furthermore, I insist on compensation for the damages incurred as a result of this ongoing issue, including any financial losses and the time and effort expended in attempting to resolve it. With this, I am asking for your assisstance to remove these 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
Consumer complaint received 2024-04-12
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

A collection account from MBA Law showing a balance of XXXX $ owed showed up on my credit. I was never notified I owed the debt and never received notification I could dispute or make payments to the hospital. I had insurance at the time and it was an emergency visit. I thought it was covered. I called MBA law at XXXX XXXX  on XX/XX/2023 to inquire about the account. They didnt even have my correct name. When I asked why I wasnt notified or sent a letter to let me know I owed this debt prior to it showing up on my credit report she hung up on me. I dont have much money and I am struggling financially. This isnt the legal way for them to collect a debt that I am not aware of or sure I owe.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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 2024-05-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TRUIST FINANCIAL CORPORATION (FL)

Illegal Repossession The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Via certified and registered mail.

regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the USA. XXXX has no knowledge of nor has XXXX  ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX  is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. '' 15 USC 1692 ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington mortgage company defrauded us in terms of the covid forbearance modification in which we given by not modifying loan but instead taking XXXX and putting a lein on our house and now not taking payments and stating we are in foreclosure.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: HILLTOP HOLDINGS, INC (NM)

Prime Lending keeps calling me multiple times per day claiming they have received my request for a {$65000.00} loan. I have NEVER applied for a loan and I have requested numerous times for them to stop calling me and delete all of my information from their database. 

They will not call for a day or XXXX and then start right back up again. The numbers they call from are all different and from different states the XXXX number to call back is always the same. 

XXXX is the number they leave on the vm. I always block the random numbers they call from but they call from another!
Consumer complaint received 2024-05-09
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

I opened store credit card with XXXXXXXX XXXX XXXXXXXX ( COMENITY Bank ). It had promotional plan with them. The balance on the card was {$83.00} at the time the promotion ended ( XX/XX/2024 ) and I was charged {$510.00} interest. I didn't realize the promotion ended until 20 days after ( when I received my statement in the mail on XX/XX/2024 ). I reached out to them right away ( less than 28 days, on XX/XX/2024 ) once found out that the promotion plan had come to term. When I called the bank 's customer service, they refused to work with me. The customer care representation transferred me to a supervisor, who said they can not help me, and she stated they only give 3 days grace period to pay off a balance after the promotional plan ended ( which was not communicated with me prior to our phone conversation ). I offered to pay-off my balance immediately, they refused. I believe the amount of interest that was charged is way too much for a balance of {$83.00} on the account.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

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 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DIGITAL FEDERAL CREDIT UNION (TX)

I missed the XXXX and XXXX Payments for my loan. On XX/XX/XXXX I recieved an email from XXXX stating " Your Personal loan is currently XXXX days past due, with the amount of {$530.00} needed to bring it up to date. '' I logged in and paid {$550.00} on XX/XX/XXXX. A few days later on XX/XX/XXXX, I logged in and paid the {$370.00} ( normal monthly payment ) XXXX days ahead of the XX/XX/XXXX XXXX date. 

Today i received a call from XXXX saying that i am still 30 days behind and need to make a payment of {$360.00} ASAP in addition to the XX/XX/XXXX payment of {$370.00}. 

I explained the email i received to the rep on the phone. They said that i had missed XXXX payments totalling {$740.00} and that i only paid a portion of that. So when i made the XX/XX/XXXX payment it covered the remainder of the outstanding payments instead of covering the XXXX payment. 

Online banking also does not show the outstanding amount of {$360.00}. The rep said that online banking will always show the full monthly payment not what is actually owed. 

Online banking also shows no late fees or any fees on the account.
Consumer complaint received 2023-12-16
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: Experian Information Solutions Inc. (WV)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX XXXX XXXX XXXX XX/XX/2023 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 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

So first my account had stop letting use my online login and then when I ask was there anything wrong with my account they told me no so after that it I went to try and withdrawal XXXX $ out of my account they said that my account had a block on it for some reason and that they were closing it and they will send me a check I dont see why I cant withdrawal my money
Consumer complaint received 2024-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I just recently looked at my XXXX credit report XX/XX/year>. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence Cap One Na XX/XX/year> this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/year> this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX XXXX XXXX
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

I transferred a balance from an account I had with another Bank in the amount of {$1500.00} to Sears Credit. I was taking advantage of Sear 's promotional 0.00 % Promotional APR on balance transfer until XX/XX/2019. This month I received a bill stating that the monthly minimum payment is {$27.00}. I immediately called Sears numerous times disputing the {$27.00} monthly payment. I told the Sears staff that I had been doing transfer balances on other banks and never been charged a monthly minimum payment on a 0.00 % APR promo. They insisted the minimum monthly amount of {$27.00} is correct.

I feel that this is a deceptive way of getting customers to sign up for balance transfers. I would not have signed up for their balance transfers if I had known of this deception. 
Would you kindly look into this? Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I have one credit card account with XXXX XXXX XXXX. At this present time they is a duplicate account on my Equifax Credit Report. I have disputed thus account in the past and it was removed from my report, but at this present time it appears on my Equifax credit report rwice.
Consumer complaint received 2023-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (CA)

I'm negotiating a settlement through a third party XXXX XXXX. I have given them POA and all communications should be with them. Prosper has their direct phone number now since I provided it. They call over 30 times day on my cell phone which I now blocked and they are no calling me at work. I removed my work number from their records but they are still contacting me at my work place. My work place is a busy office and the receptionist has to take these calls.
Consumer complaint received 2023-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I created an online account and supplied information including my bank information to avail of Pangea Money Transfers introductory exchange rate. I received several messages including a confirmation of my money transfer. A withdrawal was immediately taken from my bank account. 

However, I received another message after the confirmation earlier, asking for more information in order to complete the money transfer by calling their ( XXXX ) number. A recording said that their office is closed for the night. 

An email was sent this time, informing me that the money transfer has been canceled and the refund will take days to process back to my bank account. 

Please help.
Consumer complaint received 2023-11-01
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 Experian deleted an unverifiable bankruptcy. How under status of the following account the still have discharge in bankruptcy. 
Since they removed an unverifiable bankruptcy they must remove from any account or delete the account. Here are the following inaccurate accounts : 1.XXXX  XXXX  XXXX 2 . XXXX XXXX They are reporting a balance on XXXX XXXX XXXX of XXXX. I do not owe a balance on this account. They are reporting a charge off. This account was not charged off.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (SC)

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX  and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran
Consumer complaint received 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (MD)

Account was paid ; however, tradeline have n't been removed by Midland Credit Mgmt Inc and XXXX XXXX XXXX according to our agreement.
Consumer complaint received 2023-10-24
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. (TX)

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX. 

This information was also uploaded online through XXXX Dispute portal. I have spoken to several XXXX Membership Team members as well. I also pay XXXX membership for credit monitoring $ XXXX. XXXX Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by XXXX, other credit agencies such as XXXX and Transunion is also reporting this fraudulent inaccurate information. XXXX and Transunion has confirmed that they are reporting as for the information provided by XXXX. 

I am in the process of refinancing my house, due to XXXX reporting inaccurate information which is a result of identity theft I was denied the mortgage.