davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-25
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: Darnel Quick Recovery, Inc. (GA)

My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.
Consumer complaint received 2024-03-22
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (CO)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

Lexington law firm XX/XX/2023 Paid for service not received they never helped me with removing negative items from my credit as they stated they would The stated Due to COVID-19 loss of income and The identity fraud that happened during Covid-19 They would help me in removing all these false inquiries but they did nothing they charged me to see my credit even though they already had my credit profile
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Consumer complaint received 2023-04-24
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. (MN)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-04-24
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. (CA)

Someone stole my identity and opened credit cards with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (SD)

Ed financial services transferred my account to a new account number out of the blue. Only one of the eight payments that were made to my old account number are reflected in the new account. {$1300.00} has been paid to my old account and only one {$160.00} payment is showing. Payments were made on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 in the amounts of XXXX each. Only the XX/XX/23 payment is showing on my new account. I have gotten ahold of them once months ago, they said they would fix it. Nothing has been fixed. Now they wont even answer the phone. They say theyll call back and never do. I have sent emails with no response as well.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I noticed and reported to capital One bank that XXXX was missing from my account, and that I did not authorize or take this money. The teller at the XXXX XXXX branch in XXXX was able to print out and show me where 5 ATM withdrawals where taken from my account in XXXX XXXX XXXX. The transaction occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted two complaints which were denied and a email to the bank and was told to reach out to the merchant. Which merchant? I informed the bank that my debit card is misplaced however I was still able to use XXXX XXXX to shop at restaurants and retail stores who accepted XXXX XXXX. This missing money was for the purchase of my used vehicle which now I am unable to purchase due to this incident at the bank and their refusal to address it and refund my missing monies. Please assist and help a XXXX XXXX  obtain her missing funds. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX the bank sent a check to XXXX for my insurance balance and re routed and delayed payment to prevent payment on time. Commiting mail Fraud by XXXX and I even have a copy of the delayed receipt. I have asked for explanation and I have yet to receive any explanation or acceptance of proof provided by their company. Also I would like to ask why, when I was on COVID relief. Why didn't I receive confirmation of that relief by mail or electronic mail. NOT once but twice this was extended to me but not reflected in the accounting sheet that truest mortgage submitted as part of a consumer finance protection bureau investigation and a FTC inquiry. Do you send anyone who has asked for help for a covid relief any papers confirming or denying their participation in a government program. Where does it say that I participated in this program? If you can not confirm can I see if my name was included on any paper sent to the federal government as part of this government program? Did you receive a text credit for allowing myself and others to be on a federal covid program. Where are the papers saying that I completed the use of this program twice. Why is it that while I was using the program you had accounting sheet set up as if I was behind in payments {$13000.00} in XXXX? But yet in XXXX I had successfully paid off requirement set forth by you and then received a late payment charge only in XXXX? Please explain this to me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to formally file a complaint against Experian regarding their handling of fraudulent accounts listed on my credit report, as evidenced by Report number XXXX dated XX/XX/2024. 

Experian has recently provided investigation results for all disputed accounts, stating they are " VERIFIED AS ACCURATE. '' However, I am deeply concerned about the lack of transparency regarding the verification process and the method used to validate these accounts as accurate. Despite numerous attempts on my part to provide comprehensive documentation supporting my claim of fraud, Experian has failed to disclose how they verified these accounts. 

Furthermore, Experian 's repeated requests for documentation already provided raise serious concerns about their compliance with legal requirements and their commitment to resolving this matter in good faith. Despite confirmation from multiple representatives that the necessary documentation is on file and the investigation is ongoing, Experian continues to send duplicate correspondence, causing unnecessary delays and frustration. 

In light of these actions, I have sought legal representation to facilitate the dispute process. However, Experian 's failure to address this matter in a timely and transparent manner suggests a deliberate strategy to evade their legal obligations and prolong the reporting of these fraudulent accounts on my credit report. 

As my last attempt to resolve this issue, I am prepared to take legal action against Experian if necessary. I have included all correspondence, both from myself and my attorney, sent to Experian in an effort to resolve this issue. I urge the Consumer Financial Protection Bureau to intervene and ensure Experian adheres to the law by promptly removing these fraudulent accounts from my credit report and providing transparent documentation regarding their verification process. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I am writing to file a complaint against Equifax and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my Equifax and XXXX credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was discharged of all loans 15 loans from XXXX XXXX XXXX XXXX XXXX they were closed and transunion & XXXX keep showing that these accounts are still open I would like for them to show closed & never late on my account and show no more negative account from this institution
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Paid for course from XXXX XXXX XXXX through Paypal and received incomplete service from seller and tried to dispute with Paypal and was denied and contacted XXXX XXXX for refund and was left with no response
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

- On XX/XX/XXXX, I submitted my monthly mortgage payment through SLS 's website. The payment amount requested was {$75.00} more than usual. The site included no explanation for the extra charge. To avoid adverse action, I paid the amount requested. - On XX/XX/XXXX XXXX XXXX., I called SLS 's customer service line ( XXXX ) to request more information about the fee. I was told only that it was an attorney fee, and the representative was unable to provide any further information. I informed the representative that I was disputing the charge and asked that, if it was valid, that they provide the relevant portion of the mortgage contract authorizing the charge. I was told to e-mail a dispute to XXXX, which I did at XXXX XXXX the same day. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed that they had not received it. This time, I was asked to send my dispute to XXXX, which I did at XXXX XXXX. The representative expressed confusion that she was still not seeing the e-mail and said she would call me back in approximately 20 minutes. She never did. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed for the first time that they did not consider e-mails an official written dispute and was asked to fax a request to XXXX. After further review, however, the representative informed me that the charge had been transferred over from my previous mortgage provider and that I would have to pursue the matter with them.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-24
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: CL Holdings LLC (NH)

Disputed debt, mailed certified letter, allowed 45 days to validate, failed to do so and did not remove or report to remove information from my credit report Reporting invalidated information to credit bureaus Unable to validate debt. 
Violation of the FCRA Violation of the FDCPA Defamation of Character Performed no investigation as requested Provided no response within 45 days of request
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

XX/XX/XXXX XXXX XXXX XXXX  Declined XXXX cash advance from Fifththird bank  XXXX Ohio. I called Fifththird and asked was there a issue, Service rep stated no issues for mortgage deposit.i told her I don't have mortgage with XXXX XXXX XXXX  I just need XXXX. Then Fifththird bank  says I need to deposit when XXXX ; was already in the express. Then Fifththird says I no longer can do advance. I told her Fifththird bank  not in Texas and I just need pay rent. Ithe Rep said no then I went to ATM withdrawal limit I was told XXXX. I told her this is new since I opened acct because of travel. She said only XXXX ; but she could increase the amount only XXXX hrs. I told her no why did XXXX change the amount she said it's always been that.bshe said open another acct for advance I told her no that's not what I agreed to when I first got express checking for my church. Then XX/XX/XXXX the girl said in XXXX OH corporate the branch XXXX out but call customer service for ATM increase I told XXXX XXXX customer service not in charge of Increase or decrease of ATM Withdrawal limit since XXXX with Savings account and Checking acct good standing balance limit only XXXX. From VA and XXXX XXXX. I reported to Fifththird bank fraud department the transportation unauthorized purchase and charge when I have large purchases while traveling and bank robbing attempt and taken. I told them XXXX XXXX and his people recently tried to steal XXXX. Was taken between XX/XX/XXXX and XX/XX/XXXX I took XXXX. XX/XX/XXXX for truck repairs and other urgent care, Before XX/XX/XXXX. The last deposit into my savings was XX/XX/XXXX. I tried to speak with Fifththird rep he said what institution stole money XX/XX/XXXX I said no institution stole money XXXX XXXX and his people trying to get me to spend or transfer money so they can rob the rep then could not hear me. I am telling you these people work in Fifththird bank  and in civil public places stealing from my acct while I travel with my church. I was not given XXXX. Limit on my debit card. From XXXX someone at Fifththird bank  and XXXX XXXX XXXX  did their supply. Please help me I am not the training person for personal working for banks and use my account to mess with so they can learn the fix issues I do so they can get a better job postion. I am tired of these clowns messing with me about robbery and I don't know what to do.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXXXXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$910.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX