davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 and XX/XX/2021 my credit got ran for a XXXX credit card ( XXXX card ) and on XX/XX/2021 my credit got rand for a capital one card ( CAP ONE NA ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CO)

RoundPoint Mortgage Servicing Corporation XXXX XXXX purchased Lender-Placed Hazard Insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX said the XXXX Policy Number XXXX is not valid. The XXXX Policy Number is found in the Mortgagor 's Notice of Insurance ( Evidence of Insurance Coverage Placed ) from RoundPoint Mortgage It shows XXXX XXXX as the insurance company. I have contacted XXXX XXXX XXXX and RoundPoint Mortgage many times without resolution. 

For further information see complaint # XXXX.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed an identity theft report and provided all documents needed to submit a complaint and have an investigation done correctly. i received a notice that my case was closed without receiving any results from the investigation. I am extremely disappointed and starting to feel symptoms of XXXX. The items are still on my credit report illegally by law you should remove any accounts under investigation and they were not removed at any point.
Consumer complaint received 2024-02-20
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)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. 

Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. 

I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Each time, I am assured that the issue will be investigated and corrected promptly, but the inaccuracies persist, adversely affecting my creditworthiness and financial opportunities. 

The presence of these inaccurate late open accounts not only undermines my efforts to maintain a positive financial reputation but also erodes my confidence in the credit reporting system. As a responsible consumer, I expect accurate reporting of my credit history to reflect my financial behavior accurately. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The prompt removal of all late open accounts from my credit report. 
Written confirmation of the removal and updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX  Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (GA)

Victorias Secret close my account due to lack of use for one month all payments were made no calls or letters were sent to me advising that the account will be closed due to lack of use went to the store to use my card and was advised that the credit account had been close I reached out to Victorias Secret to speak to someone about reopening account it was advised that I will have to reapply for a credit card which would cause another hard inquiry on my credit this was unfair and a violation of my consumer rights
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

On XX/XX/2021 I sent Wakefield and Associates a letter asking them to simply verify the debt I supposedly owe them. I asked for original documents including my signature and how they calculated the debt. 
On XX/XX/XXXX, I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated HIPAA by sending over my medical record number, procedures, and a lot of other personal information I NEVER requested. I never signed a HIPAA form requesting them to access and send over my medical history. They have violated my rights and I will be taking this a step further by filing a HIPAA complaint as well. Not only do I feel violated, I am disgusted at the fact that they should know better!
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp. (MS)

They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My car was XXXX in an accident.The insurance company was in communication with XXXX XXXX. There was a administration lapse of communication between XXXX XXXX and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took XXXX XXXX another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car XXXX and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help
Consumer complaint received 2019-09-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (TX)

I received a call from XXXX on Sunday XX/XX/2019. I told them that Sundays were an inconvenient time and to not contact me on the weekend. By informing them of the inconvenience, the laws protecting consumers by the FDCPA should be enforced. Approximately 2 hours later they then called me back continuing to attempt to collect a debt even after they were told Sunday constituted an inconvenient time. They ended up calling a total of 3 times, the first went unanswered but no voicemail was left.
Consumer complaint received 2024-02-20
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. (TX)

I never received any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XXXX XX/XX/2021 ) - ( XXXX XXXX XX/XX/2021 ) - ( XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XX/XX/2021 ) - ( XXXX XXXX XXXX XXXX XXXX, 2021 )
Consumer complaint received 2021-12-21
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. (NC)

On XX/XX/XXXX, I sent Experian a letter stating that I had gotten my credit report and the following items ; XXXX ( late payment ), XXXX ( Loan and Hard Inquiry ), XXXX ( Hard Inquiry ), and US SM BUS ADMIN ODA ( hard Inquiry ) was unauthorized and that I do not recognize them, so an investigation needed to be done on these accounts. On XX/XX/XXXX, I sent them a demand to comply with my last recent request and I also reported it to the CFPB. They responded back before I had reported to the CFPB and told me the results were in. However, whenever I tried to click to see the report I wasn't able to, which then made me still send the complaint to CFPB because of this false advertisement Experian was doing, sending me a report that was unable to open. A couple days went by with my complaint to the CFPB and that really helped to speed up their process. I received an email of my results shortly after, and I was able to open this report, in the report it only addressed one complaint from my first initial letter and that complaint was the late payment for XXXX had been updated. The late payment they had once had on my credit had been removed. Although, to my surprise there was nothing said about the other 3 disputes. CFPB then closed the case I presume because the company had responded, the problem was that they hadn't responded fully. I decided to wait to see if they would take some more time to respond to those disputes separately as they did for XXXX but they didn't. On XX/XX/XXXX I ended up sending them an MOV ( method of verification ) for the following accounts XXXX and XXXX. A couple days later I received an email that a new dispute had been opened with Experian, however it had been the same dispute since XXXX that they hadn't responded to fully and only responded to one dispute and not the other 3. They then sent me an email with the final results that the account had been verified, after almost 2 and a half months of struggling with them and stressing myself about these derogatory marks that I had not authorized. Therefore, today on XX/XX/XXXX I sent them another MOV. Experian has failed to reach my demands and because of that my credit and my whole life has been impacted drastically and I believe they should be held accountable for violating the FCRA laws by not providing me with my response in 30 days, in which case these items should be removed from my credit because it has been over 2 months now.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (TX)

I was called by XXXX XXXX on XX/XX/21 About an Kay Jewelers Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the 500 plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.
Consumer complaint received 2021-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have you received an email that you are looking int my complaint XX/XX/XXXX XXXX and have heard from you since. 

Can you give me an update of your findings? 

XXXX XXXX
Consumer complaint received 2021-12-21
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. (GA)

On XX/XX/21 I wrote to transunion to fix my credit report by removing items that are not correct. I asked in the letter I sent on XX/XX/21 for them to send me documents signed showing I did this and they have not complied. Recently I spoke with the XXXX court who stated that they dont have any record of a bankruptcy sent to transunion, which is reflected on my XXXX report no bankruptcy. After asking transunion to remove this inaccuracy they sent a letter backed saying it was verified which is not correct. Please help.
Consumer complaint received 2021-12-21
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 and XX/XX/2021 my credit got ran for a chase credit card ( JPMCB card ) and on XX/XX/2021 my credit got rand for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WY)

I am being sued for a Debt that I still don't owe. I have asked several times to have the original contract that is signed to verify it is mine. On both occasion 's I was sent statements, and Midland Credit XXXX XXXX agreement. Never have I Received a XXXX with my signature. 
Debt Buyer : Midland Credit Managment Account # : XXXX Amount : {$3500.00} I have been to court and have to go again in XX/XX/2024. Midland Credit Managment is suing me for {$3500.00} plus court cost. 
I have seen that MIDLAND CREDIT MANAGMENT is a subsidiary of ENCORE CAPITAL GROUP XXXX INC has been fined for the same thing that they are doing to me. XXXX XXXX that is not owed.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was called by Portfolio Recovery on XX/XX/21 About an XXXX XXXX Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the XXXX plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

My name is XXXX XXXX. I have opened up Citi XXXX Checking Account. After I opened the Account, Citi Bank sent the Checks and Debit Card. After my Debit Card was activated, I had transferred {$50000.00} from my other Bank to the Citi XXXX  Checking Account on XX/XX/2021. The amount was showing as Pending on that day. When I logged into my Citi Account on XX/XX/2021, the Citi XXXX Checking Account is showing as Blocked. I tried calling Customer Service so many times but none of them are helping me out. All the Customer Service Representative said, " You account is blocked and they can't help '' and hung up the phone. I am absolutely terrified with the type of service Citi Customer Service has provided. I am going under lot of stress as Citi is not helping to resolve the issue. I want to escalate this issue to Citi Bank officials but I do not have the contact. At this point, I want the Citi Bank to provide my money back.
Consumer complaint received 2021-12-21
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. (SC)

Ive reached out to XXXX Transunion and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you
Consumer complaint received 2022-10-10
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. (TX)

In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # 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 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I contacted Equifax via mail and phone requesting the removal of the inquiries that I didnt apply to. Equifax informed me that they are accurate and will remain for two years. I did not apply for credit to the companies listed with the exception of one for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

MOHELA was required to transfer my repayment plan to save after the public health deferment ended. My account was initially in the save plan. I received documentation from MOHELA stating that my recertification of income would not be until 1 year after the public health emergency forbearance period ended which would put me around XXXX to XXXX of 2025. I contacted the servicer who initially put me in for forbearance for what was supposed to be 90 days why they were analyzing why they incorrectly serviced my alone. Instead they have now taken me out of forbearance and removed me from my income driven repayment plan that I was already enrolled in. They did not even send me an email regarding this. I only found out by logging into my account.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019 I contacted Bank of Americas Government Prepaid Debt Card Division for NJ to replace a card which they stated they would send out Express for a fee of XXXX but I have received the card. I called today XX/XX/2019 and it was confirmed it was shipped standard.