davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO TRANSUNION REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO RESPOND. ACCORDING TO THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING AGENCIES MUST INVESTIGATE ALL DISPUTES AND RESPOND WITHIN 30 DAYS FROM THE TIME THEY RECEIVE THE DISPUTE LETTER. TRANSUNION HAS FAILED TO INVESTIGATE MY DISPUTE OR RESPOND IN A TIMELY MANNER.
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

1 ) Navient has called me every day or multiple times per day for an extended period ( months? a year? ) 2 ) I do n't owe anything to Navient. I have no debt, and have never had any debt, serviced by Navient.
3 ) Navient 's calls are automated and I can not speak to anyone on them.
4 ) Attempting to call Navient back results in a " our office is closed '' message. This is seconds after I receive the call, which means they are autodialling me when they do n't even have the base decency of having staff on hand.
Consumer complaint received 2024-02-29
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital one has a referral bonus for 360 checking accounts where an existing user sends their unique referral link generated in the app or website. The friend follows the link to open an account, and the offer is after 2 deposits within 75 days from account opening, both myself and my friend would get out {$50.00} bonus credited to the account. 
However, on following up, we were informed by capital one that they would not be honoring that as they have stopped the bonus program as of XXXX. 
Which is odd as I was able to pull up the link as normal to refer my friend. The page STILL states that you can get your bonus and nowhere is there any indication of that being paused. I feel deceived and misled because I would not have followed through with referring anyone had I known the program was paused. 
I called and spoke with both customer service as well as a supervisor informing them of their company misleading consumers, but they simply stated they would not be honoring that whatsoever.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (FL)

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One amount was for {$1700.00} showing up on my credit report as account XXXX and another for {$590.00} showing on my credit report as account number XXXX. I sent out letters to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I receive reveal personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ).
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Friday XX/XX/2023. I bought a door frame from XXXX 's for {$390.00}, turned out it was the wrong door. So took it back and was refunded {$390.00} from XXXX 's. I then bought the right door for {$390.00}. I checked my bank account and it showed {$390.00} for the first door bought then it showed {$390.00} returned from XXXX 's because of the door I returned and the account showed where I bought the second correct door for {$390.00}. So the money was taken out and then returned and was taken out again. The next day I looked at my account and there were 2 charges of {$390.00} for a total of {$780.00}, it did not show where XXXX 's had returned the {$390.00} nowhere on my account, not even in the pending section. Regions was just sued and lost for manipulation of customer accounts collecting overdraft fees. Of whitch they have do to me over the last 35 years numerous times. They are still doing the same thing. I have never seen not XXXX XXXX from all the lawsuits. I want XXXX XXXX dollars in compensation from them for bank fruad.
Consumer complaint received 2023-01-19
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. (SC)

I submitted a letter to Experian on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-16
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: Rent Recovery Solutions (GA)

RENT RECOVERY SOLUTIONS REPORTED INCORRECT INFORMATION TO MY CREDIT AGENCIES ON XX/XX/2016, ( R.R.S ) WRITTEN CORRESPONDENCE HAS BEEN REQUESTED ( FOUR ) TIMES FOR VALIDATION OF DEBT. ( R.R.S ) PROVIDED SOME DOCUMENTATIONS BUT IT WASN'T VALIDATION OF DEBT. 
INFORMATION THAT I RECIEVED HAD INCORRECT SPELLING OF MY NAME & SIGNATURE THAT DOES NOT MATCH MY AUTOGRAPH AT ALL. 
THE AMONTS LISTED IS AS FOLLOWS : {$3700.00}
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tapper and Fratto, LLC (MD)

On XX/XX/XXXX my XXXX XXXX accounts were frozen. I learned that the name of the company that froze my account is TAPPER AND FRATTO , LLC. I left them a message and a woman called me back. She informed that they obtained a judgement against me on behalf of a rental apartment complex named XXXX XXXX XXXX where I lived in back in XXXX. I asked her for documentation about this and she told me that I had to get it myself. When I looked up my name ( both married and maiden ) in the XXXX  XXXX, I see no such case nor judgement entered. Additionally I was never served any court papers pertaining to any of this. When I researched this company Tapper and Fratto , LLC I learned that the company is NOT IN GOOD STANDING, so how is this process even legal? The XXXX of XXXX  makes clear that : If a business is not in good standing, it may not legally conduct business in XXXX How is this company allowed to practice debt collection while not being legally allowed to conduct business? Where are the copies of this lawsuit or service?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

The credit reporting agencies or not properly reporting my correct personal information I would like them to properly report the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Nv XXXX Mailing address : XXXX XXXX XXXX XXXX, Nv XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (NY)

Good afternoon today is XX/XX/year>. I have not receive any kind of identity theft packet from this company XXXX XXXX XXXX XXXX. I sent all required documents to the credit bureaus as it is stated by the law of XXXX XXXX. Further more I tried numerous times to contact this company via mail. Multiple times this company XXXX XXXX returned my letters back to sender without even opening the letters. I sent the proper documents to the credit bureau for XXXX XXXX. This company is continue to harass me while Im dealing with my child with stage XXXX XXXX and I dont understand why they keep on harassing me if I did what am I supposed to do by the law of XXXX XXXX  ? I sent the documents to the credit bureau as stated. I will send proof how this company do not open any of the letters that I sent them instead sent the documents them right back unopened return to sender. The credit bureaus have a copy of my identity theft report. Please pay attention how this company keeps on sending the same response over and over without a resolution, ignoring that the fact that the credit bureaus have a copy of the requirement by state law of XXXX XXXX a police report.
Consumer complaint received 2023-01-19
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$17000.00}
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

The account was closed in 2014 with a {$0.00} ballance. I recently noticed it is reporting a ballance of {$170.00}. I have called the company many times and no one can tell me where the balance is from. 

I have written complaints, been transferred countless times, desputed through credit bureau and XXXX has removed it but XXXX and XXXX has not. 

No one calls me back and no one has answers on this made up ballance.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is ignoring my request of suppression from sharing my personal credit report. I have submitted several request to suppress my credit report, yet my request are not being honored. I have added the necessary documentation to expedite the suppression request. I have even added the verification documents to this complaint. 

Please delete the unverified bankruptcy from my credit reports. The bankruptcy court has already confirmed that they do not share information, nor do they verify information pertaining to bankruptcy filings. Therefore, this account is fraudulent and inaccurate and defamatory.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (DC)

I purchased items from XXXX that were lost in the mail. I notified XXXX immediately who claimed that they contacted the shipper and initiated an investigation, and that they would contact me with a resolution. They never did. I contacted them again and they said they would process a refund but they never did. I told PayPal what was going on under their buyer protection policy, but they resolved the dispute in favor of XXXX. Ive filed numerous appeals but they contend that they will not refund me. They have asked I contact my financial Institution knowing that my item was lost. Unfortunately my XXXX XXXX is saying that when you purchase via PayPal you waive right to dispute because its peer to peer transactions. But I simply made a purchase not sending more to a friend.
Consumer complaint received 2017-03-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TX)

There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit
Consumer complaint received 2020-06-18
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: DISCOVER BANK (IL)

When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again. 
But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - Discover Financial Service, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( tel : XXXX ) - XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX./XXXX  XXXX  XXXX XXXX XXXX XXXX., XXXX, WI XXXX ; and - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WY)

MOHELA has an ongoing failure to provide billing statements in a timely manner. They failed to send me a billing statement in XXXX, prompting a 3 month forbearance. In XXXX, I called them when my due date was less than 21 days away, and I was told on the phone that I needed to submit a request to receive billing statements every month as it was an opt-in program. The customer service representative told me that she was submitting that request for me. MOHELA did not send me a billing statement in XXXX at all, despite taking an automatic payment from my bank account. On XX/XX/XXXX, I sent a message through the secure online portal notifying them that they had once again failed to bill me 21 days before my due day, and asked for an explanation of what they are doing to ensure I receive future billing statements in a timely manner. MOHELA responded to this message on XX/XX/XXXX and told me I needed to call their customer service line to resolve this. I responded on XX/XX/XXXX telling them that I do not have time to spend hours on hold to speak to a representative, and based on my prior experiences with their customer service seemingly lying, I asked for a written response to my concerns. On XX/XX/XXXX, I received a billing statement for a payment due XX/XX/XXXX. On XX/XX/XXXX, MOHELA responded to my last message an said : " Our records indicate that a billing statement has been processed and sent to the address on file effectively XX/XX/XXXX. '' I replied again confirming that I received that billing statement for XXXX, but I STILL have not received one for the XXXX payment that they took. I once again requested a billing statement for the payment allegedly due on XX/XX/XXXX.
Consumer complaint received 2023-05-30
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 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 2023-05-30
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: Experian Information Solutions Inc. (MD)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2024-02-29
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (FL)

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Spoke with XXXX XXXX in regards to payment - payment is on autopayment however account glitched per rep and no payment was made. In the event spoke with representative payment and late payment was removed per XXXX XXXX.