davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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)

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-02-23
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. (VA)

This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Consumer complaint received 2020-04-08
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-10-02
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. (SC)

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing this due to non-compliance with KOHL 'S. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2022-05-05
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. (MS)

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Consumer complaint received 2022-02-23
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. (IL)

I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION (OH)

On Thursday, XX/XX/XXXX I made a purchase to a private party through XXXX. The person failed to send the item and ignored my attempts for information. I contacted XXXX about this and they failed to attempt any recovery even after I filed a police report. I then contacted my bank and filed a dispute including the police report number. This transaction was in the amount of {$110.00}. My bank, Alliant Credit Union has informed me that they will do nothing and to resolve it on my own. I have had two other theft/fraud purchases that Alliant  has given me the exact same response to. The second transaction was in the amount of {$120.00} paid through XXXX XXXX   and again with a police report number they were unwilling to help. Finally another purchase through XXXX in the amount of {$75.00}. That XXXX not the bank would assist with even with a corresponding police report for theft/fraud. I included all communications with the private parties to the police to be included in the report. XXXX, XXXX XXXX, not Alliant will do their due diligence to research this theft and have done nothing as far as I can tell. I have received notices of XXXX decisions against my claim. I can provide communications between myself and the other private party.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is allowing Mortgage Forbearance but they are requiring XXXX, XXXX and XXXX 's payments due with the XXXX payment. It is impossible to be able to pay back all four months in XXXX. They will not put the three months at the back end of the loan. 
New York Department of Financial Services is looking into this but said that their regulatory authority is limited with Bank of America because Bank of America is not licensed in New York. They told me to contact you.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.
Consumer complaint received 2020-04-08
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. (FL)

This is crazy on what I'm dealing, with me being a victim of Identity theft. I'm so upset that I have to go through this I work very hard, and this is not right. I did not give anyone consent to open any of these accounts .these Account are fraud please remove them from my credit file thank you.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Credit Inquiry by XXXX XXXX XX/XX/2020 is still shown on my EQUIFAX Report. I have disputed this directly with EQUIFAX 5 times but still has not been solved ; they kept saying that the inquiry is factual. This inquiry was unauthorized, which I already contacted XXXX myself to let them know. They told me that they had sent the info to all three credit bureaus yet the inquiry still remains on EQUIFAX. It should be removed since it was unauthorized ( somebody used my identity trying to open an account with Verison ). EQUIFAX what else do you need from me to work on this? It is very frustrating. Thanks!
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I had a list of fraudulent charges on my account I submitted every documentation that the bank asked for with no reveal i was then told the bank will not handle this to take action to recoup the 17 year old which is my daughter who was arrested for this matter. I also had another dispute in for a transaction that had nothing to do with my daughter who I found a recent police report It was also denied but I was told that they didnt have to give an explanation.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I HAVE APPLIED FOR THE MORTGAGE ASSISTANCE BUT THE SERVICER IS REFUSING TO REVIEW MY FILE THEY ARE REFUSIGN TO REDUCE MY PAYMENT AND RATE BASED UPON MY INVESTOR GUIDLEINES XXXX XXXX.
Consumer complaint received 2022-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Ive written numerous letter to Experian since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that Experian received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can Experian keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

Experian do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Its been well over 30 days and my demand for these items to be removed have not removed at all. 

Experian took information from someone else other than myself and reported it to my consumers credit report. Experian and the companies liable are committing identity theft/fraud. Thats aggravated identity theft! 
( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!! 

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that Experian has broken. 

Experian knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ;
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My payments were on forbearance due to the pandemic which ended in XX/XX/21. At the same time, I sold the property in the same month. I also informed SLS that it was sold and needed a payoff amount that is in agreement with NC Status. 

XXXX. SLS repeatedly did not give a payoff amount to the closing attorney as per NC Status. 
XXXX. SLS also charged me additional charges for the property which I was never in foreclosure. 
XXXX. They declared all my forbearance time as late payments. 

Due to the fact that they would provide me or the closing attorney the payoff amount per NC status I had to pay additional interest charges. They also charged me additional fees for the house which I was never notified. 
I never received any notice that the house was in foreclosure. 

I would like all charges for the hose and interest refunded to me.
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

SYNCB/PAYPAL SMART CON is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the account does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Consumer complaint received 2020-04-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to open a checking account at B of A. I was told there was an issue and was given the XXXX information to order a report. When the report came - there was no reported information, no inquiries no retail info - nothing that would prohibit me from opening a checking account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/year>, I checked my credit report and noticed an alert of a delinquent XXXX account with overdue credit charges that had contributed to my credit score dropping by near XXXX points. These overdue credit charges were approximately {$160.00} from a XXXX credit account/credit card which I had NEVER started or had no idea how it came about nor did I recognize it. This fraudulent account was supposedly opened around XX/XX/year>. To clarify, I NEVER personally started a XXXX XXXX account nor got a credit card and bought stuff with it nor did I ever even inquire about one. I reported this to XXXX XXXX as identity theft/fraud and this fraudulent account was frozen and closed and put under investigation. During this process, it was reported to me that the individual who started this account used all of my information except for my current mailing address, the mailing address used was a California mailing address proving the fraudulent act as I live in West Virginia and have my mailing address in West Virginia and have never had an address in California. This is all currently under investigation. After this, I contacted XXXX and Transunion to dispute these fraudulent issues on my credit report, and these disputes are currently in process as well.
Consumer complaint received 2020-04-08
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. (TX)

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE  XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXX and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

In XX/XX/XXXX, I moved out of an apartment. Upon moving out I contacted XXXX to have the cable disconnected prior to my departure. It was also at that time I requested, received, and paid for my final bill. Two months later I received a collection letter from SUNRISE FAMILY OF COMPANIES for {$170.00} bill to XXXX. I disputed this with the 3 credit agencies and it was taken off. In or about XX/XX/XXXX, I recieved another collections from the same company with the same bill from XXXX. I put another dispute in. Each time this was reported my scores dropped about 20-30 points. XX/XX/XXXX and I just recieved yet another collection letter for the same {$170.00} from XXXX. This time the collection company was SOUTHWEST CREDIT Systems and my score dropped, no plummeted once again. This behavior seems illegal, and it as to the point of harassing. This day and age a difference of 20-30 points in your credit score can cost me tens of thousands of dollars in interest. I disputed these claims once again and was advised to make a complaint with you agency. Please help me put this to rest once and for all. I thank you in advance for any assistance you could provide.
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc. (TX)

Dear Sir/Madam, I am a retired XXXX year old U.S. Military Veteran who has a XXXX XXXX. Today, XX/XX/XXXX, I found out through my bank XXXX XXXX that my FICO credit score has plummeted 52 points down to XXXX from my previous month of XXXX score of XXXX. I immediately went to XXXXXXXX where i have a free account in order to find out what happened to my excellent credit. I found out that there is a report of Late Payment from THE SWISS COLONY,  an online food store. I've had an account with them since my first order dated XX/XX/XXXX. Since then, I've been a good loyal customer and I've ordered many of their products every year until this XX/XX/XXXX. I still have all the copies of my annual orders from this company in my email folder. On XX/XX/XXXX I received a letter from this company, dated XXXX XXXX, XXXX, that my " account is past due and please pay {$10.00} immediately to bring account current ''. I felt very badly embarrassed and ashamed of myself for forgetting to pay this bill and I immediately went online and paid the total blance of {$54.00} which was the total amount balance shown online. The letter they sent me differed a little bit because it showed Account Balance {$43.00} plus Past Due Amount {$10.00}.

About 3 - 4 days later I received another bill which showed that the due date was XX/XX/XXXX. I've already paid the total balance as I mentioned on XX/XX/XXXX. 
My complaint is that this conmpany did not honor their payment due date XX/XX/XXXX as shown on their bill/invoice. As i mentioned, I paid the entire balance XX/XX/XXXX. They didn't even give me the courtesy of notifying me that they will report me to the credit bureaus. Now, I have a Late Payment report in my credit report which stays for 7 years. 
I worked very hard over many years to have an excellent credit record. I pay all my bills on time and I have records to prove this. Please help me to be able to recover my excellent credit record. I would like to pass from this life without the stigma of Late Payment which will remain in my credit report for 7 years. 

Sincerely yours, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Veteran, Retired P.S.

I have attached relevant documents including my email letter to The Swiss Colony Company dated XX/XX/XXXX in which I apologize for a late payment and asking for help to set up an automatic payment from my bank XXXX XXXX or my XXXX XXXX credit card because of my memory problem as a proof of my good intentions. 
.