davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (PA)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Morgan & Associates, P.C. (OK)

I received a letter from Morgan & Associates Attorney at Law  with a date stamp of XXXX XXXX, XXXX In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/ I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights. Shortly after the account was deleted off my credit report and heard nothing else from Morgan & Associates Attorney at Law. 

I received a letter from XXXX stating as of XXXX the account was assigned to them for collection. Morgan & Associates already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.
Consumer complaint received 2019-07-24
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: Westlake Services, LLC (CA)

On XX/XX/XXXX I sent a letter to XXXX/Westlake Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing XXXX/Westlake Financial Services to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Equifax changed my date of birth ; and reported it incorrectly for nearly a year. I requested the name of the entity who changed my DoB. They have never answered this after repeated requests. They however continually state that my DoB was verified for months after I disputed the obvious fact. so " who is reporting '' this DoB? and who changed it from the original and with what documents? It was not me, as I have no drivers license, SS card with the wrong information. So, the Dob was changed for what reason and by whom? Clear question : Who is reporting the on file Dob?
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2019 my XXXX  and Equifax reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my XXXX and Equifax reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I changed my wireless phone service provider due to the dispute on my bill which was $ XXXX for one month. My average monthly bill was between {$140.00} to {$170.00}. I cant get an answer so I switched an account to XXXX. XXXX XXXX XXXX charged my Bank of America credit card that was never been authorized. Bank of America provided my credit card account # to XXXX XXXX XXXX because I didnt have enough money in my debit card to pay off the disputed bill. Bank of America revealed my personal information to XXXX XXXX XXXX to make unauthorized charges. Thank you
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

Received Trial Period Plan from Shellpoint Mortgage servicing XX/XX/2019. 
I've made 2 of 3 trial payments, received property foreclosure sale letter from foreclosure attorney XXXX, XXXX, XXXX XXXX XXXX. 
Please postpone property foreclosure forXX/XX/2019. 
How do you foreclose on my property when I'm in a trial plan? 

Please Help!!!!!!!!
Consumer complaint received 2017-07-24
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. (AL)

I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I have tried sending money to my wife 's bank account as I do every month with success. This month it gave me an error, as it is through XXXX, it should be fast transaction. But instead there was an error and the payment was cancelled. I did the transfer one more time, just in case it was just my phone. That one was cancelled too. Instead of giving me back the money or sending it to my wife 's account, the money is just missing. 

Well, I have called Ally bank every other day to report it but they refuse to make a claim or report it. They want me to wait a few days to see if the funds get returned to me. Well it's been past the allotted time they told me to wait and now they want me to wait for another 14 business days. 

I don't have the funds not does my wife. I dont understand why it is taking so long to get back to me, after all, Ally bank never sent out the transfer.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (DC)

On XX/XX/19 I received an emailed from TrueAccord advising that the email was a communication from a debt collector and was an attempt to collect a debt for money owed to creditor, XXXX, XXXX in the amount of {$920.00}. I have never obtained a credit card and/or loan from XXXX, XXXX and advised that I was a victim of identity fraud and believed this to be included in same ; therefore I disputed the debt on a fraudulent basis. On XX/XX/19 I receive a second email advising of my " 30 day payment plan option ''. I never sleeted this option and continued to dispute the validity of the debt. On XX/XX/19 I received a third email that stated, " We'd like to discuss solutions for your outstanding balance of {$920.00} with XXXX , XXXX but need to hear from you. Please reply to this email or call XXXX to speak with one of our agents. '' I called the designated phone number and initiated what appeared to be a new depute. Therefore, on XX/XX/2019 I received a fourth email that indicated I against have an oustanding balance of $ XXXXand  that True Accord continued to work with XXXX, XXXX to help resolve this outstanding balance. I continue to dispute this debt and have no further information because I did not obtain and/or apply for this type of loan financing. TrueAccord continues to attempt to collect on this debt and ignores the Identity Theft Affidavit provided to them which I previously field with the ftc.
Consumer complaint received 2022-10-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES ()

COMPLAINT AGAINST : XXXX XXXX XXXX XXXX XXXX, XXXX, WI. 

Great Lakes are the servicer for six XXXX federal student loans in my name, taken out between XXXX and XXXX, and two XXXX  federal student loans in my name, taken out in the summer of XXXX. 

Since XX/XX/XXXX, I have been in monthly contact with Great Lakes regarding discrepancies in my balances for which they can not ( or have not ) account. 

In early XX/XX/XXXX, I noticed the balance on one of my XXXX  loans, token XXXX, had changed, so that the principal amount had reduced from {$21000.00} to {$20000.00} ( the original amount borrowed ), and the interest balance shot up from around {$240.00} to {$1200.00}. 

I first called Great Lakes on XX/XX/XXXX. I was told my account was under review and I would have to check back later in the month. Several times over the course of XXXX, I called back to investigate this, and I was told each time that Great Lakes had " corrected an error, '' but they could not provide me with any further detail. 

Between XXXX and today ( XXXX XXXX ), I have made {$1900.00} in payments to the loan account containing token XXXX, overpaying each month by an average of $ 400- {$500.00}. I had instructed Great Lakes to apply any excess amounts to token XXXX. By my calculations, I had reduced the {$1200.00} interest balance on token XXXX by {$940.00} as of XX/XX/XXXX. 

Yesterday, I checked my Great Lakes online account to see that the principal balance of token XXXX had returned to {$21000.00}, and that the interest balance remained at {$220.00}. My overall principal balance had increased by {$830.00}, without explanation or notice. 

I called Great Lakes today, XX/XX/XXXX, and spoke with XXXX, who told me that all of their records from XX/XX/XXXX onwards list my principal balance as the higher number. 

I have payment records from Great Lakes issued between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that directly contradict this statement. I feel Great Lakes are being fraudulent as regards the amount I owe, and I believe they have retroactively altered their records to support this predatory conclusion. I am deeply troubled that this company apparently has the authority to alter my total principal balance ( either increasing it or decreasing it ) without my knowledge, consent, or, apparently, any regulatory oversight.
Consumer complaint received 2022-12-15
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. (PA)

THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING : ACCOUNT : XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2021 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
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: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX I sent a letter to Chrysler Capital to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Chrysler Capital to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Their pitch : " We Guarantee You're Going To Love It! Samples are great, but we're happy to go a step further. Our first-time customers have the opportunity to inspect our product up close and personal with zero obligation to purchase. '' XXXX XXXX XXXX solicited me about a commemorative plaque. It was sent as a courtesy review, I was traveling and never opened it. I was not interested but it was already delivered. I called to decline and was told I had it over the preview time frame and they demanded payment or I would be sued. I was disturbed by their aggressive behavior and the need to make me feel obligated for a service I did not request. I asked if they would order a return label via XXXX XXXX and they refused with the continued mantra of demanding payment, first with a deep discount and trying to negotiate a lower rate. I was not interested and was clear about my decision to reject the item. 

Then sent an invoice for the full amount. Soon after the letters from XXXX XXXX XXXX, came the calls and correspondence from Transworld Systems. I attached a letter dated XX/XX/2019, outlining the events and the proof that the product was returned unopened. 

It seems that XXXX XXXX XXXX uses bait and switch tactics to force a sell. I am appalled since the target seems to be women business owners who are recognized for awards. I would never do business with a company who forces products and services on anyone. I found the unprofessional, unethical and aggressive.
Consumer complaint received 2023-04-03
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. (AK)

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. 


XXXX XXXX Account name : # 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 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 2019-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I sent a letter to Capital One Auto Finance ( XXXX XXXX XXXX XXXX, TX XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One Auto Finance to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2019-01-30
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. (GA)

XXXX XXXX has a debt listed my credit reports ( TransUnion-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX MN XXXX Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Consumer complaint received 2019-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I sent a letter to Capital One NA ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One NA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (VA)

I receive information that a collection company submitted a claim on my credit report. after disputing it it was removed because the account was paid in full before it was closed. 2 months ago i received another collection agency claim on my credit report, I disputed the claim, on which i try to contact XXXX to find out why i was getting charge again. while on the phone with the company he told me that because i didn't remember my log in information i needed to go to a retail location, at the retail location they told me that i need it to call the XXXX ( XXXX ) number. 
collection agency is AFNI.inc, date reported XX/XX/XXXX balance {$770.00} First company to submit on my credit report : XXXX XXXX XXXX. submitted on XX/XX/XXXX Balance XXXX status : removed from credit history XX/XX/XXXX
Consumer complaint received 2019-07-24
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: DISCOVER BANK (CA)

On XXXX/XXXX/2019 I sent a letter to Discover Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Discover Financial Services to pull my credit on XXXX/XXXX/19, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX  as of XXXX/XXXX/2019.
Consumer complaint received 2019-07-24
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. (AZ)

My XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card account.