davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CO)

The laws of FDCPA 15 USC 1692 states that every time you mailed me a notice or bill it was a violation of 1692b ( 5 ) as they have logos that would allow anyone included but not limited to my mail main or relatives knowing that someone from this company is communicating with me concerning an alleged debt owed. I have five ( 5 ) documents that have been sent to me, each were sent with this violation on the envelope. Please see Attachment 3 for example.

The law of FDCPA 15 USC 1692e, 807 ( 9 ) and 807 ( 11 ) - False or Misleading Representations.. .have both violated since - 807 ( 9 ) - there is no author, no one signed the letters.. .and - 807 ( 11 ) - they failed to disclose that the communications is from a debt collector as seen in the included Attachments 1 & 2.

Aspire Servicing Center is in violation of 15 USC 1692e.. .as they are telling me an amount is due on my account that has a positive credit balance balance which is false and misleading as I can not pay something that is already positive. I have reason to believe and do so believe, pursuant to 15 USC 1666d.. .if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to, I the consumer by check. The documentary evidence must be provided to clarify this amount as this a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 USC 44 to resolve this billing error. See attachments 4-15.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

I applied for a Modification with Bayview Loan servicing and they told me I can't get it due to debt to ratio which is NOT supposed to anything to due for a MODIFICATION. That is only for refinance as I have friends in the mortgage business.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/year>, my credit card was charged a {$650.00} annual fee, but my credit limit is {$1000.00}. I requested the credit card company to adjust the annual fee amount to {$250.00}, but they refused, citing the card 's terms. Their actions violate 1026.52 ( a ) ( 1 ).
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

I am again requesting the Date of First Delinquency from your office as your company may have been complicit in the re-aging of both accounts listed below. 

1 ) Express 2 ) Victorias Secret I may have to file in a court of law that your agency re-aged the accounts when you sold them to XXXX XXXX. 

Your firm knows or should have known that the 2 accounts are more than XXXX XXXX XXXX. 

I received a response today from a XXXX XXXX stating the 7 year accounts would not be deleted. 

Please do not continue to parrot you sold the accounts because you remain a furnisher of this information to the bureaus on my credit report and I will hold both your firm and XXXX XXXX accountable. 


I want to find the party that re-aged the accounts because It is a very serious violation to re-age an account and then illegally verify when disputed. Additionally, these accounts report with Date of Last payment XX/XX/year> so What is the Date of First Delinquency? 
It is my right as a federally protected consumer to have this information.
Consumer complaint received 2022-10-03
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. (NC)

This is my ANOTHER 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 items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting a late payment on my credit report on XXXX of XXXX. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Consumer complaint received 2019-12-10
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: Experian Information Solutions Inc. (AL)

I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.
Consumer complaint received 2019-12-10
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. (CO)

I am writing about contradictory information on my Experian Credit Report. 
On one page of my report it clearly states that I have an Exceptional payment history. ( See attachment # 1 ).

On the page that explains what factors affect my credit score, it states that I have two factors that are negatively affecting my score, the first one being : Few accounts paid on time. ( See attachment # 2 ). 
How can that be possible? 
I have tried on several occasions to discuss this issue on the phone with Experian employees ( including 2 supervisors ) in their customer service department. My efforts to correct this issue have been met with double talk, circular conversations and a complete inability to understand how these two pieces of information are  contradictory. Not to mention indifference and an absolute lack of any willingness to help correct the issue. 
The first supervisor I spoke with agreed that the information was contradictory and promised to have the Few accounts paid on time removed from my report. His name was XXXX. He gave me his extension number ( ext XXXX ) and told me to call him directly to follow up with any questions. Since the Experian telephone system does not provide the ability to dial an extension directly, I asked the other three Experian customer service people I spoke with to dial his extension for me. They flatly refused.
Consumer complaint received 2023-06-07
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. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AZ)

I received documents from Calvary Portfolio in response to a complaint I filed with the CFPB recently, stating that this company did not provided me with evidence that the account they allege, is actually my responsibility. 

In response to this complaint, Calvary Portfolio sent me one document with the name XXXX XXXX XXXX, XXXX Az, as well as a single statement without any name on it, and documents which shows they purchased this account from the original lender, as a secondary collection agency. I have a son, also XXXX XXXX XXXX, who lived at the same address in XXXX Az. An original contract is necessary to distinguish between which XXXX XXXX XXXX this account might belong to, if it belongs to either of us at all. 

The documents they sent to me in response to the CFPB investigation do not meet the requirements for proving the debt is mine. If they are alleging a breach of contract from where they will seek a judgment, Arizona law requires that a signed contract between the original lender and the borrower be presented in a breach of contract dispute. 

Calvary Portfolio did not send me the original contract and I must assume that as a secondary collection agency, they do not have the original contract signed by me and the original lender. 

In Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract, there is no valid claim for breach of contract. 

Apparently the original cardholder agreement for this alleged debt, states that " Arizona law shall control, '' and, since the contract alleged by Calvary Portfolio does not exist, and this contract was not signed by either party, whatever agreement might have existed, must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Calvary Portfolio 's claim is nearly four years after the date of the last transaction, their case is time barred.

Calvary Portfolio has already violated my rights under the CFPB rules by not notifying me before collection efforts began, and now they are continuing to violate my rights by seeking to prosecute a case against me without the original contract required by Arizona law. I am in consultation with an attorney regarding the filing of a lawsuit against Calvary Portfolio in this matter.

I am requesting that Calvary Portfolio cease and desist from all collection efforts in this alleged debt that they have brought against me. I want Calvary Portfolio to remove this alleged debt from all of my credit reports. I want Calvary Portfolio to end any collection efforts, including any future lawsuit that may be filed at an court in Arizona.

When I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed, I will cease with my lawsuit and we will consider this matter closed. 

I expect an answer to this letter no later than XX/XX/2020, so I may proceed accordingly.
Consumer complaint received 2020-01-15
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: BB&T CORPORATION (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (VA)

My information was leaked because of a data breach, when I noticed the theft I did not know what to do about it until recently. I tried to resolve it with the Consumer Reporting Agencies but they said all I could do was to put a freeze on my account and put in a fraud alert. The following information on my consumer report is incorrect and was not authorized by me and would like it to be taken off of my consumer report. 

Fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC. (VA)

Allys customer service truly XXXX! I was approved for a credit card about 2 weeks ago and today when I called, the customer service rep I spoke with refused to give me any account information even though I am the account owner. I explained that I was approved for the card and received a notification stating that I would receive a card in 7-10 business ; with the contingency that it make take longer because of delays the company was experiencing. The agent I spoke with could have cared less! I asked for my account number because this wasnt given to me and she said no, stating it was company policy. I asked when was I going to receive my card and she said it was mailed on XX/XX/2023. I asked for the tracking number and she said I cant provide you with this information because USPS doesnt provide tracking numbers. I asked why I was having issues with setting up the app, and she advised you will have to wait to activate your card and then you will be able to set up the app. WHAT KIND OF YANKEE DOODLE, ANTIQUATED, OUTDATED COMPANY IS THIS???!!! At this point, Im not sure I really want an account because of the lack of competence in relation to customers being able to access their account information after they have verified their account! I feel like the person I spoke to simply didnt want to do her job and instead lied to me ( i.e. treated me like a crash dummy ) because 1 ) once your account is verified most companies will provide you with your account information, 2 ) USPS provides tracking numbers on postal mail so that you can track your document and/or package dependent on how it is shipped, and 3 ) when customers call in they shouldnt have to keep asking for additional information because agents do not want to do their job! I also asked the agent to verify my address to make sure it was being shipped to the right address and even with this simple request, I had to ask multiple times!! My experience thus far, has been the equivalent of a clown show! I definitely will not be wasting time referring anyone to engage/or give Ally their business because it is simply not worth it!
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I received a notice in the mail from Macy's indicating I have a past due amount on a Macy's XXXX XXXX card. I contacted Macy's credit card customer service and they told me that I have two Macy's credit cards. One that I am aware of (Macy's store card), and a separate Macy's XXXX XXXX   account that is different from the private store card I signed up for. Their explanation for opening this account in my name is that I did not respond to a promotion letter sent in the mail. They said "my non-response was taken as authorization". 

I do no recall ever receiving a letter about this, nor would I have agreed to this account.  I do not physically have this card, do not have access to this account, and never authorized opening a second credit account.

This account is fraudulent as it was opened without my authorization. After several attempts to resolve this with Macy's directly, I have not been successful. They are maintaining this account is valid and past due amounts and interest are owed. My credit score took a significant hit due to this situation.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian completed their investigation of a bankruptcy dispute on XX/XX/2023. According to the results, Experian claimed that " The company that reported the record has certified to Experian that the account is reporting accurate ''. I have attached a copy of the completed investigation. In accordance with the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( b ) ( ii ) ( iii ) which states upon request by the consumer the credit report agency ( Experian ) shall provide the business name and address of any furnisher of the information. In accordance with the FCRA 611 ( a ) ( 7 ), The Consumer reporting agency has 15 days to provide this information or delete it. As of XX/XX/2023, this record has not been deleted from my consumer report. I have attached a copy of the letter sent to Experian. Experian has not responded to this request and has refused to provide me the information requested. I have also attached the signed certified receipt in which is proof that Experian received this notice on XX/XX/2023. I am requesting in accordance the deletion of this record and a sum of no less than {$100.00}, no more than {$1000.00} as stated in 15 USC 1681n.
Consumer complaint received 2023-06-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts are showing balances and it's deferred which is incorrect. All my student loans were transferred to XXXX XXXX XXXX services and the the following should reflect a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$8500.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1600.00} Status Date Reported XX/XX/XXXX Payment Status Current Account Details Account Type XXXX XXXX Individual Original Loan Amount {$12000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment Not Reported Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 100 %
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
XXXX XXXX
Consumer complaint received 2022-04-22
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 

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