davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (OH)

I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to XXXX and then to Financial Recovery Services. She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a paypal credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from Financial Recovery services. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.
Consumer complaint received 2020-04-05
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. (MN)

The following collection account and credit inquiry listed on my on my XXXX XXXX and Experian credit report is fraudulent, unauthorized and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/2018 and XXXX, XX/XX/2018.
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2022-12-28
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. (AZ)

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. 

Account name : XXXX : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX : Account # 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 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.
Consumer complaint received 2020-03-26
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. (FL)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX XXXX   XXXX
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX XXXX   XXXX
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

we are in the middle of a worldwide pandemic and capital one has FAILED for WEEKS To answer the phone. They dont have an email or secured site where you can submit a call back request or an extension for those of us that are impacted. DAYS we have been holding. NO ANSWER, It appears that they have hired pr to talk about how well they are handling this situation yet NO ONE has been able to get through. My payment is due in 2 days. I would like to schedule an arrangement
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (AL)

In XX/XX/2020 I disputed unverified information pertaining to XXXX XXXX XXXX being reported on my credit card. For {$470.00}. I disputed this with Experian credit bureau and asked for verification proof of verification without violating my HIPAA rights showing that I owe this debt to XXXX XXXXXXXX. I asked for validation with XXXX XXXX and received no information from them showing my signature or proof of validation. So how is it that experien deemed this account verified without violating my HIPAA rights? .is n't it a violation of the Fair Credit Reporting Act. I would like to know how it is that they did their investigation and I would like to see their methods of verification and proof that they actually investigated this inaccurate account.
Consumer complaint received 2020-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I noticed looking online at my Home Equity Loan payment history and payment breakdown, that many of my payments, sometimes for months in a row, were entirely applied to interest and nothing was applied to principal. I contacted the XXXX number for my bank maybe a year and a half ago (? ) and the representative told me it appeared as though there was an error in how my payment was applied because I used the online money transfer option to make the payment online instead of mailing in my payment with a payment coupon. It was a system error she said. She said she would fix it and when I later logged in the payments were applied in a way that I would expect : e.g. most of the payment to interest given the age of the loan but a notable portion to principal, and an adjusted remaining loan balance. The same thing happened a few more times since then, including several months in a row at the end of XXXX and into XXXX. In XX/XX/XXXX I called a loan officer from my branch to have the error corrected again and ask how I could avoid this problem in the future with online transfer payments. She did some research and got back to me saying that my payments were correctly applied according to bank policy for payments made after the due date. She said that because the payment was after the due date it was applied to the interest of the payment past due as well as the upcoming payment before it could be applied to the principal. She also told me that I had no grace period on this loan but accepted correction when I stated that my payment coupons show a due date of the XXXX of the month with a late fee incurred on the XXXX of the following month, indicating a 15 day grace period. None of my payments on this loan were ever over 30 days late. I am a XXXX  XXXX XXXX  I've had other HEL 's and HELOC 's as well as many mortgages. I've never heard of this policy or had this experience at another institution. This policy resulted in many of my payments having nothing at all applied to my principal and I believe resulted in a higher remaining balance than if payments had been applied according to the amortization rate that I see with my other real estate secured loans. Indeed, when I ran my loan specifics through an online amortization calculator it produced a remaining balance almost {$2000.00} lower than what my bank claims. Can you tell me if this is a legitimate industry practice in the application of Home Equity Loan payments?
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED XXXXXXXX -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (TX)

Yes on XX/XX/XXXX my card was locked out I can not get into my card I can not do anything it is now going on on the XXXX XXXX XXXX I have been out in the heat I've been in my van I haven't had a bath I haven't done nothing because I'm 350 miles from home while I'm walked on my card and the bank does not want to unlock it because oh they didn't update my information when I called it in in XXXX so they're saying it's my problem they didn't update anything my email my phone number nothing so and oh guess what my ID 's expired because of covid and I've got an appointment to get into get my ID but it's at the end of XXXX so they can't use my ID because oh they said it's because it's expired the other Banks use it but not this one so I don't know what to do I don't know what to say all I know is this bank is stealing people 's money
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX transferred our mortgage to Specialized Loan Servicing in XX/XX/XXXX. From then on they reported me late to credit bureaus and will not correct it, even though I have proof that I am not late. I have requested SLS several times to correct it. We can not refinance or purchase anything. I have filed with the credit bureaus more than once. Still not corrected. All payments were mailed in the month due and have usps receipts except XX/XX/XXXX which was paid online and have receipt for same. They misappropriated funds in our escrow and claim we will get a refund, but have not and then want us to mail it to mail.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There is an account on my report that I have no knowledge of this account is in violation of fcra sec 609a1a and sec 611a1 and I've tried several times to repair this with no avail this is destroying my life its difficult to get a home a car and many other things as well due a delinquency on my ereport
Consumer complaint received 2020-04-04
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)

There is an account on my report that I have no knowledge of this account is in violation of fcra sec 609a1a and sec 611a1 and I've tried several times to repair this with no avail this is destroying my life its difficult to get a home a car and many other things as well due a delinquency on my ereport
Consumer complaint received 2020-03-26
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: Experian Information Solutions Inc. (AR)

During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, Experian, and XXXX to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from Experian in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) as well as the accounts 1. XXXX # XXXX, 2. XXXX # XXXX, 3.XXXX  XXXX XXXX # XXXX, 4. XXXX # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Experian has not provided on accurate verification whatsoever. In fact Experian has not even responding to my dispute therfore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Experian has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Experian not being able to provide any sufficient documentation obligating me to these accounts.
Consumer complaint received 2020-03-25
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)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS  # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} EQUIFAX : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX  XXXX  # XXXX {$8800.00}
Consumer complaint received 2020-04-04
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. (GA)

There is an account on my report that I have no knowledge of this account is in violation of fcra sec 609a1a and sec 611a1 and I've tried several times to repair this with no avail this is destroying my life its difficult to get a home a car and many other things as well due a delinquency on my ereport
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX ( XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX ) XXXX ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX