davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
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. (FL)

I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-02-26
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 dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged 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 2020-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

1. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES,  LLC is in violation of 15 U.S Code 1692a for the abusive, deceptive, and unfair invasion of my individual privacy for the purpose of collecting an unvalidated debt ( see Exhibit A, B ). 

2. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of 15 U.S Code 1692b ( 2 ) for the obscene  and profane language being used against me to collect a debt that is not validated ( see Exhibit B ). 

3. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692b ( 5 ) by the use of their company logo within the contents of communication to collect an unvalidated debt ( see Exhibit A, B ).

4. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692f ( 1 ) for stating an amount of debt owed without validating or furnishing an authorized ( signed ) agreement per my request that created such debt ( see Exhibit A and B ).

5. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692c ( a ) ( 1 ) for communication with me, the consumer, at times of inconvenience without prior consent ( see Exhibit D E F G H I ) 6. In violation under the TCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC acted in willfully placing calls to the cellphone of me, the consumer, during times and place of work causing mental anguish and anxiety as a consumer listed on the do-not-call registry ( see Exhibit C D E F G H I )
Consumer complaint received 2020-08-05
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: Ad Astra Recovery Services Inc (CA)

This account is not accurate I never had a account with this company I would like them to to show proof of the debt and show that this is the Original company and not a debt collection agency and if they cant provide the information I would like it removed I would like validation
Consumer complaint received 2020-09-27
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 {$0.00}, {$6300.00}, {$83.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Consumer complaint received 2020-08-05
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. (TX)

Hi I have an charge off account from XXXX XXXX XXXX  reporting on my Experian and XXXX  reports. The charge-off is reporting as 29 charge-offs on The Experian Credit Report and does not report the same on XXXX Credit Report. 
Charge off means the company deemedmy alleged debt as uncollectable and written it off their taxes. It should not be reporting as a charges off 29 times because the only written off the debt once. 

Experian reports also state that I have made 100 % payments on time and is not reporting the same on XXXX. 

For the XXXX  Credit report it stated that the payment history is unknown. 

I talked to a rep from both companies ( XXXX XXXX XXXX and Experian ) both are pointing the finger at the other for this misinformation. 

Please delete this from my account due to information being reported incorrectly.
Consumer complaint received 2020-08-05
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. (PA)

I paid off my auto loan which my installment payment was on time and I was penalized after my final payment. I lost 40 points because my loan was finished. 

Paying on time and completing my obligation. Is showing the lender that I can successfully manage debt. 

This appears to be very unfair practice for a consumer that has worked very hard in obtaining excellent credit.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/2020 A employee called today, without self-identifying on the first call with Portfolio Recovery, which itself is a FDCPA violation. No proof of ownership has been provided. They mentioned legal action as if they were considering it, which at this point I consider a threat. This is regarding an old account.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX : Screen shots that are attached show that their unfreeze function does not work. 

There is no way to talk with an agent. 

I tried the phone and the phone tree does not give options that match my need. 

I've attached a PDF document to show the screen shots that clearly show the problem. 

I used to be able to call, quickly talk to an agent and complete my task. I have now spent 40 minutes and I still have not completed my task. 

Sincerely.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (MD)

It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Equifax has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation
Consumer complaint received 2020-08-05
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. (TX)

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX  XXXX XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX - account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge.

Thank you for your attention to this matter.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

I sent the company a letter on XX/XX/2020 asking for validation of the account and the company never responded and now the debt has been added to my credit with me having the original contract saying that I owe the debt to this company and any other information that was requested in the letter.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union has been taking a monthly fee of {$24.00} out of my checking account for services I did not order. 
As senior citizen, I dont think its fair to be taken advantage of. I would like a total refund.
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: Experian Information Solutions Inc. (NY)

Im n accordance with the fair credit reporting act account # 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 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to the company XXXX XXXX and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to XXXX XXXX on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
Consumer complaint received 2020-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

In 2009, I obtained a " Flexequity '' credity line account from Union Bank in the amount of {$160000.00} secured by my residence in present residence in XXXX XXXX, California. The account consists of Draw Period and Repayment Period. Draw period is 120 months and the Repayment Period is 240 months. The variable interest for rate was 1.5 % plus XXXX XXXX index. At that time was 4.75 %. Late last year the account went into the Repayment period. Union Bank adjusted my monthly payment over {$1300.00} for a app. 10 % interest rate .I made many objections and asking to talk to a officer. they have ignored me for months.. Finally the supervisor of their department referred me to talk to a loan officer in XXXX. I made numerous calls and let messages. I also refer the situation to the supervisor who referred me. I was ignored for months again. Then I received the " Notice of Intent to Accelerate '' from last month. 
The secured Property is currently worth over {$600000.00}. When I obtained the Line,  Union was in second position. I paid off the first mortgage last year. They are in first position now. They are in more secured position then before. 











flexequity
Consumer complaint received 2020-09-27
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. (AR)

I have sent certified letter to the credit bureau stating unknown accounts on my report and have not heard anything back. It is against the FRCA and if the information is not corrected I will hire an attorney. XXXX account is not an account that I ever had and they sold it to a collection called XXXX XXXX that is on my credit report. Remove these accounts I have sent a copy of my police report, id, and copy of utility bill and still haven't heard anything back.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I walked into my local Bank of America Branch in XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I made a deposit totaling {$20000.00} including a single check from my mothers estate ( part of my inheritance ). I was given a receipt of this transaction which i still have today. I will include an image of the receipt for your reference. Upon reviewing my bank statements, the deposit was not recorded, and the funds are nowhere to be found. Shortly after noticing the missing funds, I visited the Bank of America Bank location and a representative ( XXXX XXXX ) assured me he would resolve the issue. A resolution has not been received and I still do not have the funds from the deposit. Upon further discussion with my CPA, I reached out to XXXX again in XXXX 2020 for an update and to request bank statements from the prior 12 months. I have not received any response nor statements. Please review this activity as I am suspecting potential fraud or elderly abuse.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, 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 2020-09-27
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-05
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: LJ Ross Associates (LA)

I sent letters to the company LJ Ross and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to LJ Ross on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
Consumer complaint received 2020-08-05
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. (CA)

Upon receiving the first round of letters, I mailed them to Transunion via certified mail on XX/XX/2020. I called and spoke to a representative on XX/XX/2020 to ask about an update on the results of the first round of letters and was told they never received them.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VT)

SLS served us with foreclosure papers XX/XX/XXXX. Since then my wife and I filed for bankruptcy and our lawyer faxed SLS Financial records they asked for to do mediation. SLS never acknowledged receipt of the financial records and filed a relief from stay on bankruptcy. They are trying to move forward with the foreclosure with out mediation. That is a violation of Vermont foreclosure mediation law and violation of the Consumer Financial Protection Act of XXXX. They are harassing us with phone calls after we told them not to call us. They are also sending documents from lawyers every week or more. Also they charged {$15000.00} for fees and interest last year ( {$30000.00} for previous 8 years ).
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (KY)

This is to follow up on case # XXXX complaint against Citibank, regarding BrandSource account XXXX. 
I had many problems with this account, filed a CFPB complaint, and the account is closed more than a year. 
But XX/XX/2024 I received a harassing letter stating that the account is still open, and requiring me to reject new business terms. This letter is uploaded in supporting document. 
I would like a letter from Brand Source CitiBank stating the account is closed and I don't want any further contact from this business.
Consumer complaint received 2023-01-04
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.
Consumer complaint received 2020-09-27
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.