davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC (NY)

0n XX/XX/2018, around XXXX, someone was pounding very loudly on my door. He claimed to be serving me a lawsuit on behalf of Rubin and Rothman LLC, but then told me to call the company to work something out. He handed me an official looking paper stating the Supreme Court of The State of New York XXXX County summoned me to answer a complaint brought by XXXX XXXX XXXX and, if I did not respond within twenty days, a summary judgement will be taken against me. This didn't look legitimate to me as there was no official seal, judge 's name or court date, and it also stated on the bottom that " we are attempting to collect a debt '' ; so i brought it to the local police station where a police XXXX contacted the court clerk who said that, while they were familiar with the law firm, no action had been brought against me. I also looked at my credit report and saw that, unbeknownst to me, XXXX XXXX claims to have charged off my account ; but there wasn't a negative comment, or any mention of Rubin and Rothman, LLC. In fact, I had never heard of this company before being " summoned '' -- there were no attempts to contact me by mail or phone. 
In summary, I do not believe that I owe this money ; Rubin and Rothman, LLC acted improperly by sending a putative process server to my door when he was merely a bill collector ; Rubin and Rothman, LLC pretended to act on the authority of the court ; and, finally, Rubin and Rothman, LLC claimed they are representing XXXX XXXX XXXX when it seems they are a third party bill collector. 
The full contact information for the company is as follows : Rubin and Rothman, LLC. XXXX XXXX XXXX. XXXX, NY XXXX. XXXX. 
Finally, I am a retired person living off of a mere XXXX pension ; maybe, if they had done some research first, they would have realized that, even if I did owe this money, there is no way for me to pay.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-07-23
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: RateGenius Loan Services Inc (NC)

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Consumer complaint received 2024-03-06
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I called the company directly and the calls were recorded requesting a deferment extension. Originally the extension was to end XX/XX/XXXX. I contacted the company prior to that time and the extension was sent to extend until XX/XX/XXXX. 

The representative was recorded on my end as well and never processed the extension in time even though they sent me a letter confirming this was done. This resulted in a late payment being reported by Bank of America, my score dropping and then they closed the card because now they claim I am no longer eligible due to the score drop. 

This is highly unethical and bad business. I've called and told it would be resolved yet it hasn't. I just to get my credit report corrected and showing properly without the late payment showing so I can move on with my home buying process.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (MT)

XX/XX/2022 I sent out a letter to all three bureaus asking them to provide the method they used to retrieve their information. They responded that they receive their information from XXXX XXXX and bankruptcy court in XXXX, MT. XX/XX/2022 I sent another letter to all three bureaus disputing the information and that they were violating my rights. The information came back as verified by all three bureaus. My information was frozen with XXXX XXXX as of XX/XX/2022 and my bankruptcy was deleted with them XX/XX/2022. I was sent a print off from the bankruptcy court website by the clerk of court, proving they did not provide these companies with my information. This notice of complaint will also be sent my attorney general.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (CA)

I never attended XXXX XXXX college yet it shows I have loans over there??? I called them and they admitted that someone used my identity, I filed a police report against fraud and also contacted the social security department. 

Yet student loans still appear on my credit!
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

COMPANY MR.COOPER ( AKA NATIONSTAR ) HAS NOT CREDIT MY ACCOUNT WITH {$3600.00} THAT THEY MISTAKENLY PAID ANOTHER HOMEOWNERS INSURANCE POLICY. 
SPOKE TO THEM ON XX/XX/2019 AND WAS TOLD THAT THE MONEY WAS GOING TO BE CREDITED INTO MY ACCOUNT ONXX/XX/2019.THEY LIED SINCE THE MONEY ISN'T THERE. 
ISSUE BEEN GOING ON SINCE EARLY XX/XX/2019 AND THEY ARE PLAYING GAMES WITH MY MONEY. 
WANT MY MONEY BACK ASAP.THIS ISSUE IS HURTING ME FINANCIALLY SINCE IT SHOWS THAT I AM NEGATIVE ON MY ESCROW INSTEAD OF BEEN POSITIVE.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I have a loan with REGIONS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( REGIONS BANK ) with no successful resolution. XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2017-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

Regarding Citi-bank : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from XXXX XXXX to Citi-bank. I notified Citi-bank of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the XXXX auto-payment to Citi-Bank, and nothing as been remedied yet. Regarding XXXX XXXX ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his XXXX, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Neither bank seems willing to help remedy this situation, and XXXX XXXX continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above 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 2019-07-22
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Bankruptcy chapter XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX - Bankruptcy chapter XX/XX/XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX - Bankruptcy chapter XX/XX/XXXX-dismissed XX/XX/XXXX {$0.00} XXXX US BKPT CT GA XXXX { dispute_item_and_explanation } XXXX XXXX XXXX XXXX {$3700.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} {$300.00} 17 % Revolving Negative XX/XX/XXXX XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

I tried to contact this collection company, Southwest Credit in reference to XXXX XXXX XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {XXXX} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX  report permantently.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2022-12-02
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. (NY)

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives me a reason to immediately repair the account from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

XXXX XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (CA)

I was paying off my credit card debt while employed with the military in 2000. When I got out of the military, I could not find work and could not pay the debt. I recently tried to pay the original debt off of {$1200.00} but now the amount has tripled to {$5800.00}. This debt is now 11 years old and should be removed from my credit report.
Consumer complaint received 2023-06-13
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)

15 U.S. Code $ 1681c-2 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct. 
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 : ( 2 ) 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 prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the following accounts listed IMMEDIATELY!
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I was manipulated to open a credit card at Macy 's. It was my fault for not researching on how bad this company is. I opened the account on XX/XX/XXXX. They closed the statement on XX/XX/XXXX. Just six days from account openeing!! And expected me to pay off the amount by XX/XX/XXXX. Usually a card would give me one and half to two months to pay off from the date of opening the account. However, they slapped a XXXX XXXX late fees on me. I paid it off as I don't want it to affect my score. However, it is unethical to have such a short period of repayment from the account open date.
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have a parent plus loan for my son while he attended the XXXX XXXX XXXX   XXXX. The loan was originally Sallie Mae and is now with NAVIENT. The only success with help with lowering my payment was a forebearance, which only added more money to the parent plus loan. I have received a letter from XXXX XXXX on XX/XX/2018 telling me the if my delinquency is not resolved, your loans will default. Defaulting your loan ( s ) may result in the  following : Reporting of your default to each nationwide consumer reporting agency Offset of your federal tax refund and other federal government payments Garnishiing of your wages Assignment for litigation I am so tired of trying to lower my payments with no success. I need help with this.
Consumer complaint received 2023-04-01
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX Creditor : ) XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.