davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I've reached out to Macy 's on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by MACY 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that MACY 'S responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with Macy 's. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, XXXX  and XXXX. I've even sent them a copy of the letters sent to MACY 's and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to Macy 's, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Consumer complaint received 2021-11-23
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. (DE)

I notified experian they were incorrectly reporting that I missed a car payment on my credit report. The account in question is XXXX XXXX Acct # XXXX. The account payment was due XXXX and the payment according to XXXX XXXX own billing statement, XXXX payments was received XXXX. This missed payment is gravely effecting my financial endeavors and I continue to plead with experian and never get any results unless I submit a complaint thru cfpd. 

According to FRCA, a account can not be reported as late, until it has been XXXX  days late. In this case, its been XXXX days. Due XX/XX/21 XXXX received XX/XX/21
Consumer complaint received 2019-12-06
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. (AL)

I CONTACTED TRANSUNION ABOUT SOME INQUIRIES THAT I WAS NOT FAMILIAR WITH AND I WAS TOLD THAT THEY COULD NOT DO ANYTHING ABOUT THEM. I CONTACTED SOME OF THE COMPANIES THAT PUT THE INQUIRIES ON MY REPORT AND THEY SAID THAT THEY WERE ALL DONE ON THE INTERNET AND THEREFORE THEY HAVE NOTHING THAT HAVE MY WRITTEN CONSENT. 

I AM REQUESTING THAT ALL INQUIRIES BE DELETED BY TRANSUNION IMMEDIATELY BECAUSE THEY SHOULD ABSOLUTELY HAVE MY WRITTEN PERMISSION TO PULL MY CREDIT. THIS WILL ALLOW ME TO START TO MONITOR MY CREDIT VERY CLOSELY AND BE AWARE OF ANY NEW INQUIRIES.
Consumer complaint received 2023-02-04
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. (FL)

These inquiries do not belong to me. I have made several phone calls and sent dispute letters with no resolution. These inquiries are impacting me financially and I and requesting the following be removed and deleted from my credit report. 
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 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

First i am the mother of the minor child XXXX XXXX birthday XX/XX/XXXX i pulled my child credit because i was getting phone calls from credence resource XXXX XXXX enabler I they verified with me her name birthday and social everything was verified accurate except her birthday they had same social same birthday but different year of XX/XX/XXXX when her birthday is XX/XX/XXXX so i pulled credit under the year harvest had and my minor child have a credit profile with several accounts from this company i am enclosing her birth certificate social security card my temp id and a recent bill as well
Consumer complaint received 2023-02-04
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. (LA)

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (LA)

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.
Consumer complaint received 2023-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (LA)

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only XXXX XXXX XXXX. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
-JPMCB Card for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 Balance : {$7100.00}, XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

on XX/XX/2019 I canceled my hazard insurance because I was struggling to make my payments for what was an excessive amount of insurance $ XXXX.I notified my loan serveicer, about two weeks prior and informed them that I wanted them to force place the hazard insurance, however I did not think they would go and buy another {$250000.00} policy since the limit of my liability to them is around $ 49,000.even after talking with various company reps on at least ten occassions, they still fail to see their mistake.I contend that they can only charge for the amount that remains owed by me on the loan.Am I right or wrong.If in case I'm wrong on this, I need a justifiable reason explaining why.
Consumer complaint received 2019-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I've been dealing with navient for several years now. When I've called to get any kind of help with my loan payments to either try and lower when they were close to 500.00 per month to just making a simple payment they stick to script and will not budge. They always incite by laws in the agreement that gives them complete control over the loans and leaves me with few options.

Based on the current lawsuits against Navient I can not help but feel me and many others have been taken advantage of. Just one of the five loans I have began at XXXX and I am at XXXX after several years of paying.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter addressed to the XXXX, Equifax and XXXX Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX, Equifax and XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$870.00}.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BROKER SOLUTIONS, INC. (FL)

I called my mortgage company to request PMI removal from my loan last year, however they informed me I must reach 30 % equity ratio before they can do that. 
Their own app and website show I am eligible at 20 % though. I brought this to their attention but they haven't fixed it ( almost a year has passed since I first asked ) and it still shows me as eligible for PMI removal. 
I find this unacceptable and would like my PMI removed.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I did contact Portfolio Recovery in written to validate their claim/debt after they were listed as a debt collector on my credit file for the amount of {$380.00}. i did request that they produce valid Proofs of claim such as the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all papers that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
I never receive any direct correspondence from them. After they receive my letter in XX/XX/XXXX, the collection account was removed by XX/XX/XXXX and, two weeks ago, I noticed the same account reappearance on my credit file even thought Portfolio Recovery have never answered my written request. 
anything from me. 
Certified mail tracking Number : XXXX
Consumer complaint received 2021-08-31
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. (CA)

These accounts are Inaccurate and I'm seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n & 15 USC 1692k.
Consumer complaint received 2019-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SUNTRUST BANKS, INC. (MT)

My elderly veteran father was taken to Suntrust Bank in XXXX XXXX, NC. 
An approximate {$200000.00} line of credit was taken out against his free and clear house/property. The circumstances were nefarious, the moneys whereabouts suspect to date. 
Someone set up a Suntrust checking account set on auto pay for approximately $ XXXX/mo to pay the note. 
My Dad died XX/XX/XXXX. Someone fraudulently represented themself as his POA. They closed his account days after he died, then called the same local branch to inquire : How long will it take for the foreclosure to complete? They want the land. 
I immediately began to contact Suntrust Bank by XX/XX/XXXX trying to make the payments until I could get get to the bottom of who issued the loan to an old man with a XXXX? I am the sole heir to my Fathers estate. Suntrust refused to speak with me, for several months. I recorded my interactions and the Suntrust runaround. Dads account was set up to go into foreclosure long in advance. Suntrust has a senior executive on the inside related to the person who closed the auto-pay account, for starters. 
Suntrust sent third party scabs who demanded cash if I did not want foreclosure. 
Suntrust then claimed to my attorney that I have always been welcome to make the payments. Suntrust still refused to accept my money. 
Now? Suntrust has moved the account over to their Foreclosure specialist law firm of XXXX XXXX XXXX. 
This foreclosure law firm claims the loan is 326 days past due, in foreclosure, and that I owe them for their legal fees, and {$10000.00} in interest, plus {$10000.00} monthly payments due to the late, foreclosure status. 
These people should be drawn and quartered by the veterans association, and the feds for deliberately taking advantage of an elderly, XXXX veteran, and for intentionally forcing foreclosure proceedings to profit.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY EXPERIAN CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ALSO I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH IS INACCURATE
Consumer complaint received 2023-02-04
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. (PA)

In accordance with the Fair Credit Reporting Act, * XXXX, XXXX AND EQUIFAX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!
Consumer complaint received 2019-12-06
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)

XXXX XXXX XXXX has been reporting on my credit report since XX/XX/2018. 
I have NEVER done any business with this company and I dont know who they are. 
I need for this inquiry to be completely deleted from my credit report immediately.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is FRAUD! 
The ACCOUNT RESOLUTION SERVICES has attempted to collect various DIFFERENT AMOUNTS and has opened new report ( s ). 
I will be taking legal action against any and all in concert with these company ( ies ) in this report. 

Furthermore, I have notified all Reporting Agency ( ies ) that the name is XXXX XXXX XXXX! 
Any other name other than XXXX XXXX XXXX is FRAUD! 
XXXX XXXX, XXXX XXXX XXXX and various addresses that have been attached to the reports are INCORRECT. 

I am entitled to exercise my rights and i waive no rights! 
All reports must be removed! 
Contact XXXX
Consumer complaint received 2021-11-23
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. (TX)

FILE NUMBER ; XXXX ..... 

I was A victim of identity theft and as A result there are hard inquiries & A closed XXXX  account in which i did not authorize on my consumer report. I have attached the identity theft report that was requested from me to have the hard inquires removed as well as the XXXX account. I have wrote letters, faxed and submitted documentation and this issue has not been resolved. Here is A list of the unath hard in. 

Also the XXXX XXXX account is ia A FRAUD ACCOUNT. I DID NOT ATHORIZE THIS ACCOUNT. Please remove the fraud account along with all of the fraud hard inquries below. I HVE ATTACHED ID THEFT REPORT. Here is the list of hard inquires that should be removed due to fXXXXXXXX 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-06-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc. (AZ)

The prepaid card is being actively used I just didn't use it for a few months and it expired last month end. 
I tried using the card this month and it was rejected. I am unable to view my transactions or balance on the card anymore. Last I remember I have over {$100.00} left on the card. 
On contacting the card issuer they said their policy is amounts are forfeited on expiry.