davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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)

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, IL 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. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc. (MN)

At XXXX CST on XXXX XX/XX/XXXX I was contacted on my cellphone by NCS. After verifying my name, the agent did not identify herself nor her agency, openly announced my current address, and then asked my DOB. At that time, I asked who the agent was with and what this was regarding, and she identified her agency, which was NCS. I asked her if it was illegal for her to proceed without identifying herself, and she told me it was in fact illegal for her to identify herself before verifying my DOB. I then verified my DOB and asked permission to continue recording, to which I consented. She then went on a script that this was an attempt to collect a debt ( I know that they are contracted to service my student loan - which is protected from collection efforts until the CARES Act expires XXXX XX/XX/XXXX ). She then went on to read more about the Cares Act and it expiring in XXXX of next year. As I was unable to understand her due to fast pace and mumbling, I asked her to clarify. She in no way clarified, but simply repeated herself in a way that I almost understood as Rehabilitation of my student loan that is currently in default. She then provided me with an incorrect amount due of {$11.00}, xxx. Due to the zero interest for the better part of XXXX, regularly checking my credit report, and an effortless check of my current balance at XXXX I was knew that my balance due is {$9700.00}. At this time I made efforts to end the call, as trying to collect an incorrect balance is a direct violation of my rights. She then got agitated and said something under her breath, which was the moment I terminated the call. This agency makes practice of not identifying themselves and has done so on every occasion that they have called me from the time that they acquired my account in late XXXX. They have also provided incorrect information in XX/XX/XXXX, on a call to the same number, stating the only way that I can get my loan out of default would to be to pay it off completely. Considering they called 9 months later offering to rehabilitate that same loan, Im going to go ahead and say that their collection efforts are not only abusive but illegal and a violation of rights. I will be filling this complaint and multiple disputes on federal, state, and credit bureau platforms. The American people deserve better than what this company is providing on a tax dollar paid government contract.
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2019-11-26
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. (DE)

I initially opened up a credit card with XXXX XXXX in XX/XX/XXXX. XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. Based on my credit report with TransUnion, XXXX it look as if this account is only 2 years only when its actually 4 years old. TransUnion is stating that based on their on investigation the date of XX/XX/XXXX is correct. I have emails that state I was paying on this credit account in XX/XX/XXXX.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ME)

XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX Bank flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.
Consumer complaint received 2019-12-06
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: Bread Financial Holdings, Inc. (TX)

Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my XXXX  credit and need them remove please. Have send the banks and XXXX  fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} Comenity Bank ( Not my accounts ) XXXX  Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It is ridiculous that there are only XXXX ATM machines at this location yet XXXX of them is ALWAYS out of service & this location has a very large population of patrons therefore causing the lines to wrap around the street which is also dangerous as this area is very busy with traffic. I waited in line to use the ATM 30-45 minutes which is UNACCEPTABLE! Something must be done about this issue or I will take my business/money out of capital one bank & bank elsewhere. 

XXXX XXXX XXXX , NY
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-02
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Purchased home XX/XX/2020 mortgage through XXXX home loans. First payment XX/XX/2020 XXXX made online to XXXX on XX/XX/2020. Second payment due XX/XX/2020 XXXX made again online to XXXX on XX/XX/2020. Received a letter on XX/XX/2020 from Loan Care  stating my loan had been transferred from XXXX to Loan care as of XX/XX/2020. Any payments prior to XX/XX/2020 could still be made to XXXX loans. I made my payment correctly to the letter received attachment included. XX/XX/2020 received a letter from loan care stating i am deliquent on my XXXX payment. Called loan care customer service 7 times in XXXX stating i have proof XXXX bank statements XXXX showing XXXX to XXXX  sent to loancare on XX/XX/2020 XXXX call to XXXX. loan care rep stated would escalate this again to a supervisor to allow 7 days. Called XXXX  loans and was sent payment history showing payment made for XXXX. XX/XX/2020 seen no change on loancare.com for payment being behind. Called loancare customer service was told by rep payment received XX/XX/2020 was applied to XXXX and was behind. Stated once again invalid sent in bank statement showing payment taken XX/XX/2020 to XXXX home loans hard posted XX/XX/2020. Loan care rep stated nothing can be done with my principal payment XXXX in unapplied payment because did.not know.where it needed to go. I set up a 3 way call with XXXX  loans and loancare on XX/XX/2020 XXXX  XXXX  rep stated to loan care rep XXXX payment was applied on XX/XX/2020 and was included in the payoff transfer amount given to loan care in amount.of XXXX. XXXX stated would XXXX follow up with supervisor allow 7 days. Today XX/XX/2020 received email from XXXX stating my bank statement for XX/XX/2020 payment of XXXX to XXXX  loans hard posted XX/XX/2020 was not sufficient proof of payment. Submitted today XX/XX/2020 XXXX XXXX  payment history to payment XXXX called loancare again asking for follow up. Rep stated again no reflection of payment showing and still behind. I asked to spean to the supervisor. Was told supervisor would give me a follow up call after XXXX XXXX-XXXX  because of my work schedule. No call received. Loan care rep just states i have respa protection for this. It has been 30days and no resolution. I have once again reached out to XXXX XXXX  spoke with the orginal mortgage lender for my loan and was told this would be taken care of. I am frustrated and stressed out and do not want this to reflect on my credit score. I made my payments have proof and want loancare to be investigated.
Consumer complaint received 2023-07-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (NC)

I contacted the company that I supposedly owe a balance to that is on my credit report through the phone & asked them to mail all of my documents to me to validate my debt on XX/XX/26. The company that appears in my credit report to have purchased my debt is XXXX XXXX XXXX XXXX XXXX located in XXXX, FL. I still have not received any paperwork regarding this debt that I supposedly owe and I know that under Fair Debt Collection Practices Act of a debt collector can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. I also am aware that if the account contains no documentation the collection agency also may not report the debt to the credit reporting agencies. I've had this account on my credit report for the past XXXX years now, with no proof that I owe it. I am submitting this complaint to request the removal of this debt from my credit report as this debt has not been validated. I also never received a written notice from this agency that I owe this debt. I've only seen it appear on my credit report.
Consumer complaint received 2023-04-14
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. (NY)

the student loan are over 20 years old and were at one point in default then they were removed of report almost 10 years ago. for some reason the student loans are back on my reports and reporting CURRENT. I have not seen or heard from these loans and could nit be current at all I called the loan carriers and they said they have no answers because they show no payments in over 10 years.
Consumer complaint received 2017-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar  continues to state they have made  no mistake on their servicing, while they continue to state I am one month delinquent, while in reality I am two m onths ahead since signing the modification. I have made all the payments according to the modification, but Nationstar and   XXXX    XXXX   XXXX  have not serviced the loan correctly.
Consumer complaint received 2022-11-18
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. (TX)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ), XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$290.00} ), XXXX XXXX ( Account XXXX XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

On XX/XX/2020 my account was hacked where the hacker initiated a {$5000.00} funds transfer from my outside XXXX account to my USAA checking account which USAA made available immediately. As I had USAA on the phone, the hacker then did a wire transfer of {$4600.00} from the USAA account to their bank. In real time, USAA initiated an investigation into the wire transfer. I stopped payment on the transfer from XXXX ( there was not enough funds in that account to even cover such a transfer ) which caused an overdraft in my USAA account. Rather than crediting this fraudulent amount back to my USAA account, they left it overdrawn. Fast forward to now ... I have tried several times to follow up on this investigation and can't get anyone on the phone. I have been told on three separate occasions that they have put in for a call back and that it could take up to 3 business days. Still, NO CALL BACK. In addition, the bank has called me two times to collect this " debt '' I have explained each time that it was fraud and being investigated ... this didn't seem to make a difference. They told me that if I didn't make it current they would close the account and charge it off. As of XX/XX/2020, the account has been removed from my access, closed and charged off. this is not acceptable. In addition, they owe me money that was already in the account when this occurred and the profit sharing that we were awarded and was put into this overdrawn account.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to express my extreme frustration and anger with the inaccurate information on my credit report, specifically regarding the address and accounts that are being reported. Despite numerous requests to have the address XXXX XXXX XXXX XXXX GA, XXXX removed from my credit report, it is still being reported as my address. I have never lived at this address, nor have I ever had an ID associated with it. My actual address is XXXX XXXX XXXX XXXX GA, XXXX, which I have repeatedly provided to you. 

Your failure to remove this inaccurate information from my credit report is a clear violation of my consumer rights and shows that your records are unreliable and flawed. This is unacceptable and has caused significant harm to my creditworthiness and reputation. 

Furthermore, I demand that the XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX be removed from my credit report immediately. These accounts have absolutely no business being on my report and are further proof of the inaccuracies and deficiencies in your reporting practices. 

I demand that you take immediate action to remove all inaccurate and unauthorized information from my credit report and take steps to ensure that this does not happen again in the future. Failure to do so will result in legal action against Experian for violating my rights under the Fair Credit Reporting Act and for the damages that I have suffered as a result of your negligence.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (MD)

Today XXXX XX/XX/2020 XXXX, I learned that Chase bank proceeded with a credit report pull despite me stating specifically to multiple representatives ( Including a XXXX whom is a supervisor ) to not pull my credit and NO to the reconsideration for my recently closed Chase card ending in XXXX. Chase informed me today that they mistakenly submitted an credit cad application for me XXXX XXXX XXXX XXXX and meant to do another person. They did this on purpose in my eyes and is against the fair credit reporting agency.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. ()

The company is attempting to reach my ex husband. I have explained on at least four occasions now that he is not reachable at this number, that I do not have his contact information, and that we are divorced, but they keep calling, several times a day. 

XX/XX/2020 - three calls Midland Crdt Mg  XXXX - 2x Private number XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - two calls Private number XX/XX/2020 - two calls Midland Cm XXXX Unknown XXXX I have no idea what the nature of their business with him is, nor is it any concern of mine. I am registering this complaint as they are harassing me for no valid reason.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

Original Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount Balance : {$7500.00} Assigned to National Credit Systems , Inc . 

After moving out of the XXXX XXXX  XXXX XXXX XXXX  I provided a forwarding address for any amounts that may due or other correspondences. I contacted the complex within XXXX days after moving since I never received a final bill that I was told would be mailed to my forwarding address, they would only verbally give a bill amount which was outrageous. I requested and I never received the mailed breakdown of why the charges were so high and what they were for. Waited about another month for a bill after again providing my address and received nothing. Called again for a copy of charges and was told to contact the agency it was assigned to, called the agency and was told to call the complex. Emailed the corporate office XXXX XXXX link via the company website requesting a copy of the charges to find out why they were so high and received no response. Charges then appeared on credit as a collection. I have disputed several times and have asked numerous times for proof of charges along with any pictures to show where and why they were so high. The last dispute was sent on XX/XX/XXXX and I have yet to receive a reply although it remains on my credit. All disputes end with a debt being validated with the collection agency showing proof they were assigned a debt although after numerous attempts I still have no idea what all the charges are for and have never been able to receive a copy of charges and only a never ending circle from the complex, to corporate, to the collection agency.