davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I look at my statement at the credit union numerous times a day & on Thursday+ XX/XX/2019,  {$16.00} was fraudulently withdrawn/stolen! 
I was deemed a victim of identity theft soon after the death of my Mother! 
When I.called the phone # on the account, I learned it was Lexington Aw?, I never had an account but the lady wantd my account number after saying she only needed phone # which I provided but I Am attempting to recover from ID theft NOT MAKE IT EASIER for Lexington Law to steal it!!? 
I get my credit report free & recently got XXXX & XXXX so why would I pay? 
I dont pay for my credit score and I do Not deal with Lexington Law ( to my knowledge ). 
Now, the Credit Union is doing an investigation.
Consumer complaint received 2023-08-09
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: Affirm Holdings, Inc (TN)

There is a company by the name Affirm who is furnishing account information on my credit report against my consent. I did not give them permissible purpose to do so. Pursuant to FCRA 15 USC 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 instructions of the consumer to whom it relates. They did not even give me disclosures pursuant to 15 USC 6802B Opting out of having my information reported. The kept certain information from me. I did not give them legal permission to report my personal account information.

Please help.
Consumer complaint received 2019-10-09
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)

Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-05-10
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-14
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I n 2010, my federal loans were transferred to FedLoan servicing with the specific purpose of being placed on Public Service Loan Forgiveness. I was placed on the wrong re-payment plan which made my payments toward Public Service loan forgiveness ineligible. At no time was I informed which repayment plan I was enrolled in or told which repayment plan I needed to remain in compliance with as part of the program. By the time the issue was corrected a nd was placed on the correct plan, I lost 3 years of eligible payments, even though I have made every single payment consecutively and on time.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

Rent recovery Solutions is reporting a debt to the credit bureaus in which I do not owe. I do not have a contract with this company and have never done business with this company. 

On XX/XX/XXXX I sent Rent Recovery Solutions a debt validation letter to investigate this debt in which they responded on XX/XX/XXXX with a printout of charges of {$750.00} from an apartment complex " Peachtree Landing '' from XXXX. 

The letter with the printout of charges doesn't have my signature nor the signature of the person that created the letter " XXXX XXXX '' and said charges. I never knew anything regarding these frivolous charges. 

I also asked for a Consumer Signed Contract between myself and Rent Recovery Solutions, any judgment that they have against me, why they think I owe them money. I never received any of that. 

I called XXXX XXXX and asked to speak with XXXX XXXX and was told she no longer worked for the company as of XX/XX/XXXX. 

I spoke to the manager at XXXX XXXX and asked her to verify the debt. I was told by the manager that they could not verify the debt as the property was sold to a new owner as of XX/XX/XXXX. The new owner of the XXXX is The XXXX XXXX. 

I called XXXX Landing again and spoke with the Assistant manager XXXX and asked her if she could verify the debt and was told the same thing that they couldn't verify the debt and I do not owe them any money. 

I called the former owner XXXX XXXX XXXX and spoke to someone in both their New York and XXXX office. I asked them if they could verify the debt and provide me with documents of said debt. Both offices stated that they could not verify the debt nor provide me with any documentation of debt due to not owning the property anymore. I was told that XXXX XXXX XXXX does not own any interest in XXXX XXXX. 

After investigating this matter myself I sent Rent Recovery Solutions a followup letter on XX/XX/XXXX asking them to delete this debt from my credit file as they did not do their due diligence and investigate. 

I also informed them that I contacted both companies in which neither company could verify the debt. In my letter, I asked Rent Recovery Solutions who do I supposedly owe money to if both The Harbor Group and XXXX XXXX XXXX are saying they can not verify the debt and I do not owe them. I never received a response back from Rent Recovery Solutions and they are still reporting this frivolous debt on my credit file.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/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 XXXX
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2015 I was in XXXX at a sales presentation in a neighborhood my wife and I did not feel safe. The salespeople were pressuring us heavily and we were uncomfortable and trying to find a way out of there safely. I decided to call American Express to see if we could cancel or dispute the charges if we signed the agreement and was assured this would be no problem. I was told just to contact American Express if we changed our mind. In fact American Express even approved a charge in excess of our limit. Needless to say we signed paperwork and got out of there as quick as we could. I called American Express when we got back to the hotel and explained our situation again. I was told it would be no problem and to follow up with a formal dispute when we returned to the United States. Wow what bad advice as if they would have told me how their dispute team works, I would have risked going back to the merchant and provided written notice of a cancellation request. 

What I found out after returning home is that American Express refuses to honor their promises to me. Since we provided written notice 6 days ( instead of 5 days per XXXX law ) to the merchant there is nothing they could do. They didnt care if we made the charges under duress, they didnt care if the American Express representatives mislead us. I was told they are just a middle man and if the merchant demands payment we are out of luck. I have disputed this charge multiple times with no resolution. Finally after a year I disputed the charges as fraud as I have never even received access to the timeshare in question. To my further disbelief, the merchant responded that there are no refunds and that 's the paperwork I signed and American Express accepted that answer even though no services have been offered or provided. 

So not only did American Express not honor their promise to protect me when I called immediately before and after the purchase. Now a year later they refuse to help me when I have never been delivered the services purchased. Their stance is they cant do anything. XXXX they earned foreign transaction charges and interest on and they ca n't do anything. The only reason I signed the agreement in the first place was I was assured I could reverse the charges and felt it was my safest way out of a dangerous situation!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX Account # : XXXX Amount : {$950.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$570.00} XXXX XXXX Account # XXXX Amount : {$950.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Amount : {$2700.00} XXXX. XXXX XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card. 
Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-14
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. (NV)

In XX/XX/XXXX, my wallet was stolen, hence my identity was compromised with all my personal information in my wallet. I did not think much of it until later some fraud accounts would pop up on my report. I sent all 3 credit bureaus the necessary documents to have these two fraud accounts blocked off of my report. XXXX  and XXXX did just that, did their job in little to no time. But Equifax INC. has been violating my Fcra rights and identity rights, allowing creditors to post fraudulent information on my report hindering me from future credit extensions. Equifax did not honor the FCRA 605 ( BLOCK ) law, they kept on XXXX XXXX on my report. The only thing Equifax did was report this account again with a different balance, balance went from XXXX to XXXX ... Regardless, this account was not opened by me and it should not of remained on my account. I will attach all documents i've already sent from XX/XX/XXXX ... It's been to long with fraud information impacting my livlihood, Equifax will receive my attorneys lawsuit very soon if they do not act upon this asap.
Consumer complaint received 2020-06-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-06-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CA)

My second loan mortgage company from XXXX is demanding {$65000.00} principal balance and a additional {$23000.00} late fees and delinquency fees to stop the foreclosure on my home. I'm in good standing with my mortgage lender and my lender has know idea of what is going on. I have not received any notice of debt for over 10 years from Franklin Credit Management Corporation and now they are saying I'm in default. 
I was unaware of this debt, my home was purchased in XX/XX/XXXX before the mortgage crisis. My property was at its highest costing {$330000.00}, my wife and I paid both 1st and 2nd mortgage at the introductory interest rate. When the interest increased we could not afford to pay and we received a loan modification. The modification was for the principal balance, and the new balance was {$320000.00}. When I was modified I was lead to believe that the 1st and 2nd was modified together. 10 years with no contact and forcing a foreclosure on our home is unfair. I want to remain in our home and have a fair resolution to this issue. I also want to know if this is a legitimate claim of debt practices by Franklin Credit Management Corporation.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After I had lost my wallet, in where I believe had to be in XXXX XXXX, Nj, someone used my card and deposited and fake check and was able to take out money.Bank of America did not catch this fake check at the time, they also took out more money from that same check days later at another bank.Bank of America still does not notify me or say nothing to me.They said the claim would take 45 days and I waited all of it and even after the time was up, they did not have an answer so a complaint was filed and they sent my case ti the supervisor.Days later they still think i deposited this check.They told me to file a police report to continue the investigation, which I will because as I said before it was not me. I cant just be blamed for something I did not do when there are video footage of whoever did this on both banks.They say they need a police report to be able to use the footage in the investigation so I will do a report .I need help as soon as possible
Consumer complaint received 2019-06-15
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. (CA)

I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to Equifax, XXXX, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.
Consumer complaint received 2019-06-15
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: Clarity Services (MO)

Theres multiple inquiries from clarity services incorporated in XXXX Florida that keeps putting hard inquiries on my credit report. They continue without my authorization or my consent. I dont even know who they are ... and I want them removed immediately. I've called via phone already awhile back and there continues to be added and unauthorized hard inquiries
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

Re : Request for Debt Validation Account Number : XXXX Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe {$120.00} to XXXX XXXX XXXX. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the amount claimed, including an itemized breakdown of the principal balance, interest, fees, and other charges. 
A copy of the original contract or agreement between the original creditor, signed by both parties and me, shows I agreed to the debt. 
The date of the original debt and the date the debt was transferred to your agency. 
Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. 
The name and contact information of the original creditor, if different from the current creditor. 
Any payment history associated with the debt, including the dates and amounts of my payments. 
Verification that the debt is still within my state 's statute of limitations for collection. 
Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I request that you cease all collection attempts and remove any negative information about this debt from my credit reports. 

If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. 

Thank you for your attention to this matter. I look forward to receiving the requested information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>, I submitted dispute letters to XXXX, XXXX, TransUnion, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports. 

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus. 

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports. 

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy. 

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.