davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (MD)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2018-09-13
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. (IL)

XXXX ( original creditor ) and XXXX  ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice on several occasions and my credit score was temporarily negatively impacted as a result. In the past, when a dispute was submitted and an investigation was requested by Transunion regarding the practice, the incorrect information was successfully removed within weeks. My most recent request for Transunion to investigate XXXX 's fraudulent acts, however ; was deemed " completed '' by Transunion with it stating that the information was accurate, which is not possible. It is apparent that Transunion made no actual attempt to verify debt and opted not to research and/or request verification from XXXX I've included a page showing the current account in dispute as well as a letter from Transunion from XX/XX/2017 showing where two other miss-assigned debts, each all from XXXX, were successfully removed.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XX/XX/2009 I start my cleaning business and all the utilities under the name of my late husband. I have this advertising at yellow pages phone book cost of {$2500.00} and it happens my late husband died on XX/XX/2009. Everything is falling apart in my end, those time and this bills from XXXX XXXX XXXX phone book almost 9 years tell now sent me this bills every month, amount {$2800.00} and reference numbers XXXX. Its really ruin my credit score I cant have a big loans cuz hurting my credit score. Sincerely, XXXX
Consumer complaint received 2018-09-13
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. (FL)

XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX -- XXXX B B XXXX   XXXX XXXX XXXX XXXX -- XXXX B XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/2018 XXXX XXXX sent me a letter stating the total amount owed was {$0.00} this has not been updated on my credit report. I have disputed this item and it has not been resolved it still shows negative information. this account is settled and paid completely.
Consumer complaint received 2018-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Keith D. Weiner & Associates Co., L.P.A. (GA)

I have made several attempts to resolve the issue with the XXXX XXXX XXXX XXXX and The Office of the Ohio Attorney General Collections Enforcement Section. I completed my degree from XXXX XXXX XXXX XXXX ( XX/XX/2003 ). I was enrolled at XXXX XXXX XXXX XXXX for one year after that date. After leaving the university, I completed the necessary paperwork to consolidate all my student loans with XXXX XXXX XXXX department. Several years passed, and I tried to obtain my official transcripts from the institution to obtain full time employment and complete my terminal degree. At this time, I was told that I owed a balance. I didn't receive any notice allowing me time to make payments on this loan. The financial aid department kept giving me the run around concerning this issue. They told me that they couldn't help me because they sent it to collections. I never received any correspondence stating that the loan wasn't included in the rest of my student loans. Additionally, I contacted the Ohio Attorney Collections Enforcement Section. I am also getting no resolution from them. They told me that the loan could be included in a consolidation with my other loans. This still hasn't occurred and I am still being blocked from receiving my official transcripts from XXXX XXXX  XXXX XXXX. This is causing on negative impact on my life. I can not obtain employment in my field. Additionally, I can not completed my XXXX degree because they will not release my official transcripts.
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights.. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC (MD)

I wrote the following email to the 3rd party collector. I have a SHORT SALE CONTRACT on the property. I had no idea that the 2nd mortgage was sold. IO was NEVER NOTIFIED. 

In response your email I received this afternoon sir and Friday what you're saying really doesn't make any sense. 

Since the short sale, is being held up by the second lien holder which you say is you. How can you say that the QWR has nothing to do with the short sale? When the QWR, has everything to do with the short sale. 

I need the validation that you are actually the second lien holder, how can authorize Trinity Financial Services LLC to get a payment from my first lien holder on a short sale if I have no validation that you actually own my debt. 

Because of everything previously stated this is holding up the short sale. 

I have no correspondence, no notices, no phone calls, nothing on this second lien in over 10 years. I was never notified or contacted in any way by any means on the selling and buying of this note. 

Now suddenly, after all this time, you come out of the shadows put an offer on the table with no validation of who you are. 

I have decided I need to short sell this property. Trinity is well aware of everything that is going on with this property through recent communications with me via email and phone calls, and my negotiating agents.. My realtor and negotiators have forwarded the first lien holders offer to you. You have rejected that offer without showing any validation of who you are. 

You have rejected the first lien holders offer and you want a extra {$11000.00} on the HUD and yet do you want me basically to take your word that you bought my note? 

It seems to me that if you want to put this offer, on the table in front of me, asking for the additional money which equals {$11000.00}, then you need to put forth the validation before we can settle the short sale. Again, this is why the QWR is directly connected to the short sale. No one knows who you are. 

You are mistaken ; this is directly affecting the short sale. I feel like I am being redundant. I feel this is ludicrous. All we need is validation ; you are actually going to put a time frame on an offer, from a company that has not proved who they are. Can you now see how this directly affects the short sale and is connected? 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-03
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. (GA)

EQUIFAX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH MYEQUIFAX.COM. PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED EQUIFAX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE EQUIFAX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. EQUIFAX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS XX/XX/XXXX
Consumer complaint received 2023-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (AZ)

I received and paid a bill for {$30.00} from XXXX for service on XX/XX/XXXX. They showed me what I would be paying up front as part of the no surprises act of XX/XX/XXXX as being {$30.00} but then charged my credit card ( which I had removed from my file so they had no authorization to still have my credit card information or to charge it ) on XX/XX/XXXX for {$160.00} and will not tell me what for, show me the itemized bill, or the proof from insurance they claim gave them the amount. They have provided nothing and since it was already charged and not submitted to me as a bill they won't respond since they already have their money and Discover won't do anything about it since I had already agreed to paying them the {$30.00} they consider that I authorized any future charges they may put on the card to be legitimate as well.
Consumer complaint received 2023-03-23
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)

Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX under 15 USC 1681, 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2022-07-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-24
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: Early Warning Services, LLC (GA)

EARLY WARNING SYSTEMS claims the FCRA does not protect consumers with sharing of opting out of sharing of non-public personal information with entities EARLY WARNING SYSTEMS needs to provide me with the written permission that I gave XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, And XXXX XXXX for them to be an approved entity EARLY WARNING SYSTEMS has reported accounts that are a result of identity theft without written consent from me which is aggravated identity theft on their part. 15 usc 6802 clearly states consumers must be given the opportunity to opt out of reporting non public information to non affiliated third parties. I have no affiliation with XXXX, XXXX, or XXXX  therefore this sharing of my information is unlawful. If EARLY WARNING SYSTEMS can not provide me with documentary evidence that the companies they shared my information with have my written consent they are in violation of my consumer rights.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (KY)

I was charged a late fee of {$38.00}. I made my payment on the due date and but it was paid after XXXX. On my statement he says payments after XXXX will be credited the next day but it does not state that a late fee will be charged. I called numerous of times to get them to remove the late fee and advised them if that was their policy that it should be in writing. I was told I should be able to figure it out. As a customer I know have rights and I know that I have been violated.
Consumer complaint received 2018-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX is attempting to collect on a debt that is not owed to them. I have no legal contact or obligation to this company. I have requested a legal binding contract between myself and XXXX funding and have not received. It has been more than 60 days and by law of no validation of debt is sent, they are to delete from credit report. I do not Owe this company and ask all negative reporting be removed.
Consumer complaint received 2018-08-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: California Business Bureau, Inc. (CA)

I have called on behalf of my husband, The California Business Bureau ( Debt Collection Agency ) on XXXX-2018 after I got their number from XXXX  XXXX and I was told to call them in order to get a new XXXX XXXX. The Representative that answered my call was very aggressive and abusive and told me that my husband owes {$15000.00}, which is false. We got into an argument since she didn't let me speak and was aggressive and disrespectful. I hung up the phone. The day after, I got an alert from XXXX that this collection agency had put a hard inquiry on my credit, not my husband 's. I don't know how a collection agency can place and check my credit whenever they want when it's not even my debt.
Consumer complaint received 2018-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

I am a current client of Navy Federal Credit whom experienced fraud on my account since April. I filed a debit card dispute, police report and reported whom I believe is the suspect in such case and my claim was denied. There were checks submitted to my account that I did not authorize and filed a secondary claim and that two was denied. Neither cases was I informed of the reason for denial. I have filed a complaint with the Federal Reserve, FDIC, and Federal Trade Commission against Navy Federal Credit Union in regards to such because as a victim of identify theft, my account has not been protected according to the FDIC regulations. 

I followed all protocol and the issue has yet to be rectified and my account is threatening to be charged off. This is unfair to consumers of such actions done unbeknownst to them and without authorization.