davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
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. (IL)

I have filed several disputes with Experian regarding a Fraudulent mortgage account activity on my credit report. However, the account has continued to remain on my credit report. By someone calling in as the alleged mortgage company to Experian saying that the account is accurate almost a month later, when it is not. I have provided documents to Experian regarding this fraudulent account activity as well. I have even seen on my Online account with Experian where they had deleted my entire social Security number on my credit report. I'm not sure if the account I'm reviewing online or mail correspondence is even a true account of mines anymore. Because I have received mail correspondence from Experian with an account that contains a account verification number from Experian regarding a dispute. However, when I call and give the account number on the letter Experian does not have any record of the account number that was provided to me by Experian. Experian has my home listed as a resort and an Apartment building which is false, my address XXXX is a home that I own. I also have not been able to see my Credit Score on my online account as well in over a month, and I pay {$29.00} a month for Experian online service so I can review my credit report and score as often as I want. When I call Experian pertaining to inaccurate credit reporting information, I just seem to keep getting the runaround regarding these issues. I'm also a Victim of Identity theft. As well as Hackers, Spam callers, spoofing, Mail theft, and vanish email, and phone calls. Someone is trying to stealing my identity, because new accounts or incorrect information seen to keep popping up in my credit report every week.
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. (IL)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 an 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 2024-05-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (TX)

Today I was contacted by Reliant Capital Solutions , LLC in an attempt to collect what I thought to be a consecutive payment of {$50.00} in a rehabilitation program. I spoke with XXXX XXXX, whom Ive only been in contact with since they began contacting me in XX/XX/XXXX. He called me for the payment and never disclosed not once that failure of my payment last month would automatically enroll me to an completely new rehabilitation program until AFTER he had already received the authorization to debit my account the {$50.00}. He then stated that I would have an additional 7-9 more additional payments since I had not made a payment for the month of XX/XX/XXXX and that he would attempt to change my due date to accommodate the two previous months so that they would count towards the now NEW rehabilitation program. I asked to speak with a supervisor about an exception, he stated a supervisor would not be able to grant me any leniency and refused to escalate my call any further. I feel as though this tactic was disingenuous and also misleading since I was not told at any point during the call that failure of the payment from XXXX would now enroll me in an altogether new contract.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: JPMORGAN CHASE & CO. (CA)

To whom it may be concern, I have found Multiple activities on my SSN, Tax returns filed, hands on my bank accounts, use of my Driver 's License ( ID Number ) or Real ID in other states. Also holding on all the money deposited to my bank accounts since my bank account had Overdrafts fees. Donation of the Money hold and more because of the small amount overdraft charges in chase bank and XXXX XXXX. After my visit to DMV, it appears that there were several IDs made with my name or my Real ID number in order to use for Military Facility, getting mortgage, buying cars, getting several Auto Loans and more under my name, my credit card, using my Digital Wallet, making money of Bitcoin through my accounts and more. Also just found that they used our family business tax id number ( Claiming As Social Security ) in the Chase Bank which applied for car Loans in other States. I'm not able to activate my own bank accounts, personal & business, and not able to Enroll for new bank accounts. Also putting hold on all my Mails in XXXX and all the postal services, meaning I was not receiving my Mails for years, holding mails and forward a few of them to my Mailbox without my knowledge, and it's still happening. Please investigate, and inform me what type of information you need from me to do a complete background check, checking on withold money or the services like retirement which I never applied for, as well as tax returns, other government benefits which I never received but I was notified it's been applied when I was renewing my driver 's license. 

Thank you for your time!
Consumer complaint received 2018-07-23
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX. Account ID XXXX. I have 3 different disputes with different dates. The investigator put all of the disputes together and denied without looking allowing me to address each of them. The total disputed amount is {$4000.00} and I dont even have have the card anymore, my cell phone was stolen during one of the disputes. I was not given the opportunity to show my proof to defend myself. Received a summary with the decision and claim closed. I cant afford to pay such large amount plus accumulating interest. I need an opportunity to show proof for each occurrence Thank you
Consumer complaint received 2023-10-26
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. (NY)

I've noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IN)

XXXX contacted me stating they were collecting on a bounced check from XXXX. This was supposedly from XXXX. My first question was why they took XXXX years to address this, if it was true. They said, they brought the case/my debt from XXXX, and I technically owe them now. 

I had made a purchase from XXXX in the time frame they stated but it cleared. I obtained records from my bank then went to XXXX. XXXX had never heard of this company. I talked to several people all the way to corporate and they had never heard of the company. They suggested it was a scam. Once they said that it did dawn on me how fast talking XXXX was and didnt let me get a word in. I ask XXXX to send me records. I only provided my email address. If they had a copy of the check they would have my address. And, I didnt want to provide any information. I never got anything from them and didnt hear from them for weeks. They called again today. I had no intention of answering their calls but the number was different. I told the representative that I spoke to XXXX and they had never heard of XXXX and that isnt who they use for collection matters. The representative started yelling at me, told me I was a liar, theyd see me in court, and would go after me to the fullest. 

I am concerned about the aggressiveness and meanest of this company. After talking to several representatives from XXXX, whom had never heard of this company, they too suggested it was scam. I was wise enough to investigate, but others may not be. Even still, they were very threatening to me. I feel unsafe because of their threats, and dont know what other information they have obtained about me. This is not OK. How do I protect myself and others from their threats and scamming attempts to get money? Others will pay them out of fear. Even thought I researched this thoroughly, including the company they claim originated this complaint, they were very nasty and threatening to me.
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: EQUIFAX, INC. (NV)

RE : XXXX XXXX : BACK IN XX/XX/XXXX XX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS OLEN PROPERTIES I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE XXXX
Consumer complaint received 2024-05-08
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: Mr. Cooper Group Inc. (CO)

XXXX XXXX XXXX XXXX expired at end of XXXX. Applied for mortgage forbearance in XX/XX/XXXX. Granted forbearance through XXXX XXXX XXXXXXXX. Mortgage company reported me as delinquent on XX/XX/XXXX resulting in > XXXX point credit score reduction. Appealed to the mortgage company on XX/XX/XXXX. Mortgage company rejected appeal on XX/XX/XXXX stating that under the Fair credit reporting act " all institutions are required to report complete and accurate information... based on actual events ''.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (VA)

These collection agencies have affected my credit score with XXXX, XXXX and XXXX negatively adversely. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are causing me economic hardship. 
In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2015-08-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Service, Inc. (Indiana) (IN)

received collections notice from Allied Collections agency about ( XXXX ) medical bills. I received this notice on XXXX/XXXX/2015. The letter was dated XXXX/XXXX/2015. My attorney sent dispute letter to collection agency on XXXX/XXXX/2015 one day after I received it. I have attached that letter. They asked for verification and itemized details of the charges. This collections debt showed up on my credit report in XXXX and it showed that it was XXXX reported in XXXX 2015. They had never sent verification of the debt to my attorney before it showed on my credit report and still have not. Their illegal reporting of this debt damaged my credit score and credit rating.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (CA)

My company closed our accounts with Bank of the West on XXXX. 
A business line of credit. 
One year later, BMO acquired Bank of the West on XXXX. 
BMO opened a new business line of credit and a business credit card without our company 's initiation or approval. 
When questioned, they misled me. They claimed they didn't know how these accounts were opened so my identity must have been stolen. 
There are no other instances fraud so I believe BMO is not being honest.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

I am having issues opening a bank account due to erroneous and incorrect information which were a result of bank error and malfeasance. I previously spoke with a female bank vp years ago regarding the issue and error and was under the impression the matter had been resolved and the account closed. I am not sure why the account is showing delinquent or write off status and have documents to support my account history and where the error caused an issue with the account. This account needs to be remove from my record and profile. I never was given detailed info for where the delinquent money in the amount of - {$1400.00} came from. My prior statements support my claim and provide no insight or detail into the delinquency fees or charges resulting in the above referenced amount
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (OH)

A collection was put on my credit report stating I owe XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Reported {$570.00} theres multiple inaccuracies in the file on my report the address is incorrect XXXX XXXX XXXX I have never lived at this address, also the amount owed that is reported on my credit file isnt the same amount that the debt collector is asking for. I sent XXXX XXXX XXXX a letter asking them to not contact but they did anyway with a bill asking me to pay XXXX this is inaccurate to whats being reported on my credit file.
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group (WA)

Ive paid off the loan as of XXXX XXXX. I paid this loan on a settlement price of $ XXXXto XXXX XXXX XXXX. Upon payment they informed me that XXXX/ascedium wasnt taking incoming calls at the time to resolve the issue in my credit report. XXXX XXXX XXXX  deleted my account with them as soon as I paid the settlement amount and the payment cleared. Im calling them to receive an XXXX  balance report they told me they couldnt because they deleted my account. I finally got ahold of XXXX/ascedium and they told me they would not email me a copy of my XXXX  balance I would have to wait for a letter in the mail which could take up to 45 days. I informed them I needed this to be resolved for a mortgage loan. I provided them all documentation that it was paid and cleared. They still have refused to remove it from the credit bureaus as paid in full and in good standing. I have all documentation proving it was paid and has cleared.
Consumer complaint received 2018-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX  CASE # XXXX XXXX XXXX  WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX  RECEIVES XXXX A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR XXXX YEARS PAYING XXXX   A MONTH RENT, XXXX HAS RUINED XXXX  REPUTABLE CREDIT. WE ARE ASKING XXXX  TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST XXXX YEARS. WE CAN PROVIDE DOCUMENTS. XXXX   FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX  FUNDING WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX   PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX  TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Consumer complaint received 2024-05-09
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: AMERICAN EXPRESS COMPANY (AL)

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. * **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. * **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt. * Verify and validate the debt with documentation. * Remove any inaccurate information about this debt from your records. I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.