davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I scheduled my electricity bill payment of {$220.00} on XX/XX/2023 from my Capital One checking account through bill pay. Capital One deducted the funds as if the bill was paid. I then received a notice from my electric company on XX/XX/XXXX that they would shut off my electricity by XX/XX/XXXX due to non-payment. I called Capital One on XX/XX/XXXX and was first told by Capital One that the payment was mailed so that it just hadn't been received yet. Then a second representative at Capital One told me that day that this was not true, that the payment was electronic and should have been received within XXXX days of the XX/XX/XXXX request for payment. They told me I was responsible for the electricity payment even though the bank had deducted my funds and the electricity provider still did not show any payment received. The second representative also told me that I was responsible for late fees being charged by electricity company and that Capital One would not be responsible for those charges. I finished the call exasperated by that information, called back and spoke with a manager named XXXX @ XXXX AM XXXX XXXX XX/XX/XXXX who sent me to a XXXX representative named XXXX at XXXX pm who told me they would ask for an investigation and get back to me with proof of payment. 
After hearing nothing I decided to call Capital One back on XX/XX/2023 @ XXXX AM XXXX and spoke with " Faith '' as the electric company is scheduled to turn my electricty off tomorrow on XX/XX/2023. Capital One told me they still have no final confirmation of proof of payment receipt, and that I just have to wait for an email from them, even though they have deducted the funds from my account and even though my electricity will be turned off tomorrow. I told her I have no longer to wait since the electricity will be turned off tomorrow and the forecast is for XXXX degree heat where I live. I as then put on hold to wait for a " manager '', and XXXX minutes later I decided to give up and file this complaint. 
The bill pay was scheduled XX/XX/2023... XXXX XXXX days later Capital One can not give me an proof of payment, refuses to accept responsibility of any late fees that my electric provider is now charging me, and the electricity company still shows no record of payment from Capital Bank on my behalf. Capital One also refuses to credit my account back the money that was deducted from my account. 
AND GUESS WHAT? I was still on HOLD with CAPITAL ONE BANK FOR OVER AN HOUR AS I TYPED THIS COMPLAINT, AND THEY JUST DISCONNECTED ME. 

PLEASE PLEASE HELP.
Consumer complaint received 2023-02-03
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. (CA)

Once again I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts. 
Please investigate these accounts as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-26
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. (MI)

As I educated myself on Fair Credit Reporting Act, I asked Experian, XXXX, and XXXX several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, XXXX, Experian did not do so. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC. (FL)

I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.
Consumer complaint received 2023-06-26
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)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (GA)

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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I have submitted over 20 modification applications to XXXX XXXX in the past 3 years. I was denied or told I was missing a page. I would resend the page and then I was informed I was missing another page. They refused to modify until recently. When they modified they doubled my payment from XXXX to XXXX and it is unaffordable. I am will to sell my home and need permission from them in writing. They have foreclosed and the final judgement is XXXX. They claim I owe XXXX XXXX more. I have a buyer for my home and need permission from them in writing that I am able to sell. I can not pay this excessive modification and they are setting me up to fail. I wanted to keep my home through modification but based on the payment they have formulated it is unaffordable. I am a 10 month employee not 12 months. I don't believe this was taken into consideration. I would like to be re- reviewed for a modification at an affordable interest rate with a payment closer to my original payment. The reason we fell behind was due to my husband getting sick with XXXX, and an XXXX XXXX  which caused him to go on permanent XXXX. We lost a 2nd income and I was forced to take a pension loan in which my payments are extremely excessive at XXXX per month which decreases my net salary.
Consumer complaint received 2023-06-26
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. (NV)

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 XXXX5 USC 1681.

The letters are stated with items and issues.

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 2017-02-23
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Solidus Group LLC. (IN)

I called and an employee said it was a payday loan from XX/XX/XXXX. Then said a complaint was filed in XX/XX/XXXX ( I was overseas ). Then said there was no such thing as statute of limitations and threatened to take me to court. She never verified anything and was rude. She ended up hanging up on me. Not once did she say this was an attempt to collect a debt or that they were a collection agency.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

All the sudden my account was frozen and XXXX took all my money out of my account. 
I called to try to resolve they said they would only take the lump sum. I was never served papers
Consumer complaint received 2017-02-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Chaplain Financial Services LLC (IL)

This afternoon I received a call from XXXX XXXX from Chaplain Financial Services. XXXX. When I asked for the company address she said it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. She said she had XXXX lender accounts that I owed money on XXXX XXXX {$510.00} loan taken out on XX/XX/2011 and XXXX XXXX {$430.00} loan taken out on XX/XX/2011. She could settle both accounts if I sent an online payment of {$570.00} today. I told her I never took out a loan from those companies. She asked if I heard of XXXX, which I have not nor have I ever taken out a loan from them. I told her I knew this was a scam and would be reporting her to the FTC. She said " do what you got ta do '' and promptly hung up the phone on me.
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We paid our mortgage through ACH. Mortgage payments have been deducted every month on the first business day after the first of the month. PHH reversed the XXXX and XXXX payments on our account and IMMEDIATELY transferred the loan to XXXX. XXXX, upon receiving the loan, thinks we are two months behind on our payments because PHH reversed the payments and put the money in the escrow account. PHH then created a statement for XXXX that indicates we did not pay our XXXX or XXXX mortgage payments, and XXXX also believes we are 90 days behind on our mortgage because PHH FRAUDULENTLY REVERSED OUR PAYMENTS. We did not receive the money back in our account. 

When we have tried to contact either PHH or XXXX, we get " your call will be escalated '' but NOTHING IS HAPPENING. It is unconscionable that PHH can reverse the application of our funds to our loan ( which, it turns out, are sitting in our new escrow account at XXXX ). It is similarly unconscionable that XXXX can not, when presented with evidence of our payments ( which have been provided, including PHH 's statements reflecting our payments PHH 's FRAUDULENT REVERSAL OF THE PAYMENTS and our bank account statements which show the payments deducted from our accounts ) stop the erroneous mail saying that we are in DEFAULT on our loan WHEN THEY HAVE THE MONEY IN OUR ESCROW ACCOUNT THAT EXACTLY MATCHES THE TWO PAYMENTS THEY SAY WE ARE MISSING. No investigation on XXXX 's part appears to account for the mental stress caused by this situation. They insist that they have 15 days to resolve the matter, EVEN THOUGH IT IS OBVIOUS AND THEIR REP SAID IT WAS CLEARLY IN THE ESCROW ACCOUNT. 

We have had mortgages for 20 years. They transfer regularly and we have NEVER been behind on our mortgage. We have NEVER had this happen before and can only attribute it to PHH 's incompetence and FRAUD.
Consumer complaint received 2023-07-28
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. (NJ)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2023-06-26
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. (MN)

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. 

The letters are stated with items and issues. 

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 2015-06-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Earm LLC (PA)

ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone
Consumer complaint received 2023-06-26
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)

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house for my family, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

Fraudulent Accounts : 1. XXXX XXXX XXXXAccount number XXXX 2. XXXX XXXXAccount number XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have never been associated with these accounts, addresses, or names. I request an immediate investigation into this matter and the removal of all false entries from my credit report. The impact on my creditworthiness is severe, and I need this matter resolved promptly. 

Please provide me with the necessary steps and documentation required to support your investigation. I am willing to cooperate fully and provide any additional information or evidence as needed. 

Kindly confirm in writing once the fraudulent information has been successfully removed from my credit report. Additionally, I request a revised copy of my credit report to ensure complete resolution of this issue. 

Thank you for your urgent attention to this matter. I trust in your ability to rectify this situation promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFULLY TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A collection account by the name of XXXX address XXXX XXXX, MD XXXX is listed on my account as opened and is a collection account that I have unknown knowledge about. I would like documentation of the account because I never dealt with a company by that name.
Consumer complaint received 2023-02-02
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-26
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. (CA)

I have informed the three credit bureaus XXXX, XXXX, Experian. That I was a victim of identity theft however, they still have not removed them from my report.