davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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.
Consumer complaint received 2023-03-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (WA)

AWA Collections bought the debt and illegally reported inaccurate information on my credit report damaging it. This collection should not be on my report at all, it does not belong to me but belongs to an XXXX.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX Is reporting to XXXX, XXXX, XXXX 2 Different accounts one for {$4300.00} and {$3900.00}. I have sent dispute letters to the company, nothing has been resolved, I am 100 % sure they have the incorrect social security number and this is illegal to report false and Inaccurate information Date opened, XX/XX/XXXX and Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have multiple and I mean multiple inquiries regarding my credit report which I do not have any idea who has been inquiring what I do know is the Department of Homeland Security has been harassing me and defending my character for two years now that is according to the local police XXXX I've not done anything wrong but I have the Department of Homeland Security harassing me and trying to feed my character to multiple companies that I've done business with they're using these multiple companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to be able to gather personal information of mine and use it against me and attack me they called a Capital One and they ordered capital One to not renew one of my credit cards I want Some people held accountable right now whoever it is in this government that's doing this I want them exposed and I wan na know who it is so I can make it public for the world to know what's going on
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

in follow-up to case number XXXX, referring to a missing deposit for 3 checks deposited in the Bank of America application for a total amount of XXXX where the bank responded that those funds will be deposited to XXXX XXXX since they were collected, in Following up on this response, I contacted XXXX XXXX and in the last conversation we had, she told me that XXXX XXXX had to request these resources so that they could be paid to them and once received, they would deposit them in my account. I spoke with a representative of XXXX XXXX. and I even went to a branch and they told me that they could not do that process and they could not claim those resources since they never paid them to me and that Bank of America has to deposit that money for me, I have tried to communicate with the person mentioned above but I have not had any luck in being able to contact her, so I request her intervention and deposit those funds that the Bank of America has in its possession and that legally correspond to me, attached sheet from the XXXX XXXX where you can see that they could not credit resources.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am a XXXX XXXX XXXX retiree who has been banking with Bank of America for a long time. My bills every month gets paid the same way it has for the last XXXX years, but recently money has mysteriously came up messing and my account overdrafted or low on funds and the bank is a ring confused. This month alone {$590.00} came up missing and they are trying to say it is from last month and I pay my bills the same way so this cant be. I think I may have to sue if my account is not corrected
Consumer complaint received 2023-03-03
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$5400.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arbor Professional Solutions, Inc. (MI)

On XX/XX/XXXX, I checked my credit history as I'm in the process of purchasing a house in XXXX XXXX and I noticed a collection account on my credit report that I wasn't aware of any issue with this creditor. The original creditor is XXXX XXXX XXXX XXXX and that I was never contacted by them to make restitution on said account stemming from a trip to hospital. I reached out to my insurance company to find out why they did not pay the bill and they stated that the XXXX company never sent them a bill and that if they had the information, they would pay the bill now. I then reached out to Arbor Professional Solution with my insurance rep on the phone with me and they refused to give me/us the information to close this issue. The collection agency refused to give us the information and told me that I was being sued and that we would have to contact the law office of XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. On XX/XX/XXXX myself and another insurance rep from XXXX XXXX XXXX contacted the law office and talked to one of employees and she was very rude and non- helpful with resolving this matter. She asked me to give permission for her to talk to the XXXX rep, only to not give him the information need to pay off the bill. On XX/XX/XXXX I went to the XXXX XXXX Department to see if they would give a copy the bill. I came into contact with one of the LT. on site that day and he gave me a hard copy of my bill and he sent me an electric copy of my bill. Upon looking at the bill I notice that XXXX XXXX was sent all invoicing to a house I sold in XXXX or XXXX. This is what caused all the problems. But the rep of the law firm was very not helpful, rude and threatening to ruin my credit and not removing the collection from my report. My credit has really taken a hit and creditor have lowered my credit limits due to this mischaracterization.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEM Is reporting to XXXX, XXXX, XXXX XXXX Different accounts XXXX for {$4300.00} and {$3900.00}. I have sent dispute letters to the company, nothing has been resolved, I am 100 % sure they have the incorrect social security number and this is illegal to report false and Inaccurate information Date opened, XX/XX/XXXX and Date opened XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

DEPT ED NELNET XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Consumer complaint received 2022-11-14
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Management Solutions, LLC (MD)

Financial Management solutions reported a debt that I owed from XXXX XXXX to credit bureau. I had no idea I was owing that amount as I moved and to my knowledge I paid all rent due. They never contacted me, my husband or the 3rd person on the lease to inform us about the debt which contacted in XXXX Financial Management Services was contacted sometimes in XXXX for an amount of {$800.00} and till XX/XX/XXXX I have not received any notification by mail, phone or email about the debt. 

After I saw the credit report, I immediately contacted them and paid off the balance. The next day I got another alert from credit monitoring that they did a hard pull on my credit without my consent or my knowledge. 

Details Summary ALERT TYPE : Inquiry ALERT SUB TYPE : new inquiry SOURCE : XXXX ALERT DATE : XX/XX/XXXX INQUIRY DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX PHONE : ( XXXX ) XXXX BUSINESS TYPE : XXXX STREET ADDRESS : XXXX XXXX XXXX CITY : XXXX STATE : MD ZIP : XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

It has been months and many months, I noticed that Portfolio Recovery placed {$720.00} in my credit report for collection. I never gave Portfolio Recovery my consent and authorization to place any information in my credit report. I never received any products or services from Portfolio Recovery. I never entered into a legal and lawful contract with Portfolio Recovery. I demand that Portfolio Recovery provides me proof of a legal and lawful contract between me and them. I demand that Portfolio Recovery provides proof beyond reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX and XXXX for the alleged debt. Finally, I demand that Portfolio Recovery remove their fraudulent account from my XXXX XXXX, XXXX, and XXXX credit report immediately. 

P.S I demand that Portfolio Recovery validate, verify, authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX, XXXX, and XXXX credit within the next 7 days.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (GA)

Charged me an extra {$3000.00} for a purchase that cost {$4000.00} in 2020. I was 85 % done with paying off when I got an unexpected interest card and I have been on time with every payment. I missed XXXX payment and they have been harassing me calling me XXXX times a day from unknown numbers and hanging up from XXXX every single day.
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

Purchased Bed from wayfair and was guaranteed XXXX interest for 24 months period. I spoke to a rep in XX/XX/2023 after receiving my statement over a month after it was supposed to be received. The statement had not had the promotion listed and I was being charged interest.The agent refunded me the previous months interest and informed me that I would be placed into the XXXX promotion interest program, I have called every month since and It was not been adjusted. I have had my balance balloon in interest fees to the tune of XXXX and I am at my XXXX end..
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriCash Holding LLC (IL)

I pulled my consumer reports around XXXX of 2023 and I notice it was errors on my XXXX reports. I sent a dispute to the creditor SAIL XXXX XXXXXXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to SAIL XXXX. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing SAIL XXXX  that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for SAIL XXXX to delete this inaccurate information off my consumer report immediately. SAIL XXXX  you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information
Consumer complaint received 2022-11-21
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. (FL)

XXXX, XXXX  I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2022-11-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

The company, Carrington Mortgage Company, purchased our mortgage from XXXX XXXX Mortgage on XX/XX/XXXX. We had paid XXXX our XXXX payment on the XXXX and that didn't get transferred over to the new lender. While under their own 60-day grace period, we received our first notice of intent to foreclose. 

We went above and beyond to secure the loan and get it back to positive, even though that meant that we made two payments for XXXX. Once that was settled, on XX/XX/XXXX, we get notified that our monthly payments have increased {$180.00} to cover an escrow account that only covers our insurance. They reported that they paid our insurance and didn't have any money in an escrow account, nor did they receive any of the escrow money that was collected by XXXX XXXX XXXX. 

After talking with my insurance carrier, XXXX XXXX, they informed me that my insurance actually decreased. We are still being held responsible for what money they ( Carrington ) didn't collect from our previous ( XXXX ) and raising our monthly payment past our means to pay. It feels like they intend to push us out of our house and liquidate the asset.