davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
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)

These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Brown’s New Credit Bureau Inc. (AZ)

On XX/XX/2019 my son was ill and treated in the ED. I had started a new job and was in a 30 day window of no insurance. The ED bill was {$4200.00} and was swiftly transferred to collections in a very short time. The collection agency has contacted me a few times. Today they contacted me and refused any payment plan short of {$100.00} a month which I stated I can not afford. I explained the financial hardship Ive experienced with the loss of a job back in XXXX and am just getting stable again. The representative told me if you dont pay, then our attorney Mr. XXXX will contact your employer directly to collect the money. I stated do not make empty threats to me. You can not contact my employer to take money without a court order. The representative replied Im just telling you what our attorney will do. And then promptly hung up on me. The agency refuses to work with me on a payment plan and is now threatening to take illegal actions.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt. 
2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties. 
3. The contract bearing my explicit signature, thereby establishing my liability towards the debt. 
4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or about XX/XX/2020 I apply for a loan online. The loan company approved loan application and said they needed my online banking access to verify my account. The amount of {$2000.00} was deposited into my account. After the deposit the loan company called me and said I was approved for {$4000.00} and to show that I have an active account I would need to return the {$2000.00} via XXXX XXXX or gift cards. This made me feel uncomfortable and I didnt trust this process. 
I withdrew the money and sent it back using gift cards because the representative would not give the information to use XXXX XXXX. 
They said if I did not send the money back the would lock my account. 
2 days later I received a new Debit card from Bank of America : which said my account may have been used in fraudulent activity. This made me feel better. 
On XX/XX/XXXX, I received 2 emails from Bank of America stating that my claim was denied and that {$2000.00} will be debited from my account on XX/XX/XXXX. 
I went into the bank to find out what was going on. The Representative that assisted me said that the loan company used my online banking access to file a claim, which caused Bank of America to deposit {$2000.00} on my account. That transaction makes it appear as if the loan company made the deposit. The representative at the bank said it was a scam and that I will have to pay back the {$2000.00} to Bank of America.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This just happened recently, just XXXX weeks ago, on XX/XX/2022. A server came to my house. I wasn't the one who physically opened the door ; my sister n law she walked into my room and handed me a summons. I hadn't used this credit card in years ; once I read it, the information on the summons was incorrect following improper serving when the server didn't physically hand me the summons in my possession ; I've already gone to court for this about XXXX years ago, and admitted guilty now apparently, I have to get this mediation for this. States I owe XXXX for capital one.
Consumer complaint received 2022-12-13
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. (FL)

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 Also violations of defamation of character Acct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Consumer complaint received 2022-12-13
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. (FL)

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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Consumer complaint received 2023-04-29
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. (PA)

XXXX formerly XXXX XXXX {$0.00} Paid off Status reporting 30-59 days late This information is incorrect. Was never late on this loan. Is stating that I was late in XXXX but car was 85 % paid off by then and payment was never late Please correct
Consumer complaint received 2024-02-23
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. (SC)

There are addresses listed on my credit report from a state I have never been to nor been associated with. This inaccuracy leads me to believe that my credit report is tainted with inaccurate information. This misinformation is concerning.
Consumer complaint received 2024-02-23
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)

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX.-XXXX  -XXXX XXXX-XXXX XXXX XXXX-XXXX  5 INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

In regards to the following account : WAKEFIELD AND ASSOCIATES Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I had active XXXX XXXXXXXX at this time and they were not billed for this account. it is not my responsibility to cover a debt due to the negligence in billing my insurance by the original creditor. They have the information and could simply use my social as well to verify insurance coverage. This needs to be removed from my credit immediately through all XXXX reporting agencies as it is affecting my ability to live my life and gain credit when needed.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

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 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

1. Borrower received a 3rd final loan modification on XX/XX/XXXX. She remained current on her mortgage payments and did not miss a payment. 

2. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/XXXX. The Governor of Florida declared the entire state a disaster area. Immediately following Hurricane Irma, the Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natur
al Disaster Forbearance plan as required by the program guidelines.

4. Lender/Investor denied the Natural Disaster Loan Modification due to Borrower previously receiving the maximum number of Loan Modifications, 3.

5. Therefore, the Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma
Natural Disaster Forbearance plan.
Consumer complaint received 2020-01-09
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)

XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF MY CREDIT REPORTS.
Consumer complaint received 2024-02-23
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)

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX  -XXXX XXXX  -XXXX XXXX 5 INQUIRIES -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (UT)

When I first got the lease I signed up for autopay " recurring lease payments '' via instructions from GM Financial. I never cancelled the recurring payments so assumed they had continued like they had for the previous 2.5 years. However, I found out that in XX/XX/2019 the auto payments had stopped ( I hadn't done anything to stop them ) and XXXX XXXX lease hadn't been paid so I quickly jumped on-line and made both XXXX and XXXX payments. I then re-set up auto payments and received confirmation on XX/XX/XXXX that the recurring lease payments would continue like they had the first 2.5 years of the lease with no problems. Well then again on XX/XX/XXXX I was notified that the payment was 40 days late and the recurring lease payments I had set up according to GM Financials instructions didn't take my payment so that day I jumped on line and paid the amount that was showing outstanding. When I called GM financial they said they had made a mistake and that my credit shouldn't have been marked with a 30 day late and they would do a credit correction and to call back in 1 week to confirm. When I called back in to follow up someone on the phone said they wouldn't help me and they wouldn't correct the mistake. I have spent the last 10 years building my credit and paying my bills on time. I specifically set up autopay so that this wouldn't happen, I am extremely frustrated and feel like a victim as the immediate drop in my credit score from no fault of mine will prove to be very expensive.
Consumer complaint received 2020-01-09
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: EQUIFAX, INC. (TX)

Equifax HAS NOT FIXED THIS FALSE INFORMATION!!!!!!!!!! I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equifax obviously never investigated it because it would have been removed had they done their due diligence? I am XXXX years old and I can assure you that I never applied for a student loan through this company or any other company for that matter. I can also tell you that I haven't been to college so why would I need a student loan?
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-13
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: EQUIFAX, INC. (VA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$26000.00} XXXX XXXX Balance : {$640.00}. 
XXXX XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00}
Consumer complaint received 2022-11-12
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. (GA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
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. (FL)

I am writing to assert that I have no ownership or liability for the alleged debt referenced in your recent communication. This letter serves as notice of estoppel, based on the principle of estoppel by silence and your failure to provide sufficient evidence of the debt 's validity. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$750.00} I have received correspondence from your agency claiming that I am responsible for the aforementioned debt. However, I dispute the validity and accuracy of this claim. Despite my requests for supporting documentation and verification of the debt, you have failed to provide any substantial evidence linking me to the alleged debt. 
I HAVE NOT SUPPLIED PROOF UBDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V, GRAVENS ( MO ) 281 sw 715, 719. I PRESSURE THAT NO PROOF OF THEIR ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I HAVE NO OWNERSHIP OF THIS DEPT. I NEED IT TO BE COMPLETELY DELETED. 
The principle of estoppel by silence applies in this case, as your repeated attempts to collect on a debt without providing proper validation or ownership verification has created a reasonable expectation on my part that no such debt exists or that any potential debt is not enforceable against me. 
Therefore, I hereby assert my rights under estoppel and insist that you immediately cease all collection efforts, remove any negative remarks or entries related to this alleged debt from my credit reports, and confirm in writing that no further collection activities will be pursued against me. 
Failure to comply with this notice of estoppel may result in legal action being taken against your agency for violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
Please consider this matter seriously and respond in writing within 30 days of receiving this letter, acknowledging the application of estoppel and confirming that all collection activities will be halted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-11-12
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX