davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
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: ID Analytics, Inc. (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

Comenity had a system nationwide outage that affected all its customers. I have been unable to reach anyone by phone and I wasn't able to log into any of my 3 accounts until today, XX/XX/XXXX. Completely unacceptable! All 3 of my accounts have miscellaneous fees, including XXXX XXXX  which I had previously removed. All 3 card accounts are closed due to previous issues with them. I have already been considering joining a class action lawsuit due to their negligence. 

My XXXX XXXX card, account # XXXX has the following fees that need to be removed : {$15.00} for XXXX XXXX {$360.00} in interest charges since I was unable to log in and make any payments of any kind, that should be waved. 
{$41.00} late fee should be removed since I was unable to access account. 

My Torrid Account, account # : XXXX : since I couldnt access my account until XX/XX/25, which is AFTER my due date, I should not have any late fees going forward for this month. XXXX XXXX has been removed and I want to be assured it wont pop up like it did on my other 2 accounts. 

Victorias Secret Account : XXXX was charged {$2.00} for XXXX XXXX, which I had previously removed. I need it removed and the {$2.00} refunded and I want to be assured it wont pop up like it did previously.
Consumer complaint received 2020-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was the cardholder for a XXXX XXXX Store Card Account in 2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact Capital One directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that Capital One does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in 2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Saturday XX/XX/2023 I was contact from XXXX from my aunt account. She told me that her account was not working ( Bank account ) and she needed to send some money urgently, so, she sent me a phone number to see if I could send her some money and she The told me she would paid the next day. She told me to make multiple transactions. I never called to the directed phone number. In That moment I was with some family and my aunt that was supposedly asking me for money, called the family I was with and told them to say that her account has been hacked and they were asking around for money the the family members The phone number that they sent over was under XXXX XXXX XXXX and it was XXXX When I realized what was going on I tried to called my bank. They never answered. I was desperate and did not what to do, so I called XXXX and they help me to contacted me with a police XXXX. In that moment I was in a XXXX XXXX eating in XXXX because I was in my way to Oklahoma with my uncle XXXX XXXX and aunt XXXX XXXX And granpa XXXX XXXX -the name of the aun that had her XXXX XXXX is XXXX XXXX Because of that reason, they kindly helped me to started a report for fraud ( incident number XXXX ), they send me a link to upload the proof, and I did It. However, a few minutes later, police officer called me backed to tell me that my report was not able to proceed because my address was not in XXXX I tried to called my bank 3 times and I was in hold for more that 50 min and they hung up on me 2 times The 3th time the helped me to start the report but they said the were not able to cancel the transaction because they did t have that access and who does has that access works just Monday through Friday XX/XX/2023 I started a police report with all the evidence that I have and the give me the number report. XXXX XX/XX/2023 I called my bank to the fraud department and told me my case was denied and closed because they tried to contact the bank that received the money that I sent and the account was closed and didnt have the founds on it ( i mean, thats they work! ) I tried to give me the number report from the police and they told me that because the close everything they were not able to get and they were no open to help me anymore They basically told me that I lost my money already I did a report with XXXX and FTC AS WELL
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Since XX/XX/XXXX, I have reached out to Specialized Loan Servicing ( SLS ), LLC due to their not payment of my property taxes timely and correctly. I received notification from my tax office that a XX/XX/XXXX semi-annual payment was made, however the XX/XX/XXXX semi-annual was not. Therefore, about half of my property tax remained unpaid. After phone call verifications with my tax department, I started notifying SLS on XX/XX/XXXX and, as of today, XX/XX/XXXX, the issue has not been resolved. I have made several phone calls to SLS during this time period and have spoken with Supervisors in the Tax department. Each call entails a massive amount of time on hold or on the call which I have had to make time to participate in. Each call I have been provided a different " story '' from their " notes '' regarding what the issue is and assurance that the concern has been escalated to the research department. Since the numerous phone calls have yet to rectify, I sent a fax with several items of documentation asking that this issue be resolved immediately. As of the moment of this writing, including the subsequent accrual of interest I should not be liable for, my tax bill remains unpaid in the amount of {$1500.00}. My parcel is flagged as part of the upcoming XXXX tax sale. A review of my SLS account since XX/XX/XXXX shows a tax disbursement from escrow, a refund of those tax disbursements back to my escrow account, and another tax disbursement from escrow as of XX/XX/XXXX. However, the tax department does not have a payment and my escrow balance on the account is missing the amount. I can not continue to deal with this stress. I have done everything within my power to assist with communicating this issue. There is no legitimate reason for my taxes to not have been paid correctly. I fear I will have to somehow figure out how to pay this on my own and that my money is being held hostage. I have anxiety over this situation, when it will be resolved, if I will lose money I don't have, and if there will be future issues with the payment of my property taxes from the escrow account. This has created an undue hardship on me. I have reviewed the XXXX XXXX XXXX  regarding this servicer and have found a XXXX  ' rating along with numerous similar complaints. I have lost confidence in any possibility that these are mistakes and instead believe this is purposeful action by Specialized Loan Servicing, LLC.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing company told me that for the month of XXXX 2021, that I did not have to pay any money towards my mortgage or forbearance. That I had already paid enough towards my forbearance and that I could skip this payment.
Consumer complaint received 2022-03-09
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)

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
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. (FL)

I previously sent my written request to XXXX about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$4500.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$9300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX Balance : {$5300.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX OF Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2023-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

I have attempted multiple times over the last several days to pay my mortgage online through the system and process that they have advertised as being able to be used to pay a mortgage bill. The process has been unsuccessful. After contacting the technical support for Ally, they tell me they are too busy to address my concern. I can't load my account information via any means, neither to view statements, view my account number, view my loan number, or to make a payment.
Consumer complaint received 2022-03-09
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)

I'm filing a complaint because I reported Identity theft to the credit bureaus and they made no effort to fix the problem. I've enclosed documents of my identity as well as FTC report within this report. Please review my documents and remove these fraudulent charges from my credit report.
Consumer complaint received 2019-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation (TN)

I have retained a bankruptcy lawyer and I notified Bridgecrest in XXXX that a lawyer has been retained and offered the attorney 's information which they refused to take. I received an email and text message XX/XX/2019 from Bridgecrest advising that a payment is due and I responded to the text message that I have an attorney and sent the name and phone number of my attorney. I received a return text that my vehicle is currently out for recovery and I needed to make a payment of {$1700.00} today XX/XX/2019 because there is not a notation on my account that an active bankruptcy is present. I followed my attorney 's instructions and notified all creditors of obtaining an attorney and this creditor is the only one that has continuously failed to stop collection proceedings.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-09
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)

I am communicating with XXXX XXXX XXXX  for the delinquent reporting on my consumer report. I have disputes with XXXX, EXPERIAN and XXXX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND XXXX and transferred, closed, written off for {$400.00} with EXPERIAN. XXXX XXXX XXXX  is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
EXPERIAN ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
XXXX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, EXPERIAN and XXXX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WASHINGTON FEDERAL BANK (ID)

Here is a summary of the chain events leading up to today : XX/XX/XXXX - my wife and I visited Washington Federal 's branch location on XXXX XXXX after receiving a letter indicating we owed Washington Federal money. We thought it was SPAM,  but given the branch was near our house, we went in to confirm there wasn't some type of mistake. We spoke with XXXX, who informed us that approximately five years ago, Washington Federal acquired XXXX checking accounts for XXXX-based accounts. Despite the fact that my XXXX account was established in XXXX, because we now live in XXXX, we learned that our account was affected by this. Based on the records that XXXX was able to pull up in the Washington Federal system, unbeknownst to us, Washington Federal began applying monthly fees to our account for at least the past 18 months, effectively draining it of every penny to the point where Washington Federal was now informing us that we owe the bank money. Upon trying to determine why this was happening, it was evident that there was no cost being incurred to Washington Federal, but simply that new terms had been applied and that this was at the discretion of WashingtonFederal.  I was also told by both XXXX and, subsequently XXXX XXXX the Washington Federal regional VP, that we had been suitably notified of the account changing hands from XXXX to Washington Federal. I can not confirm if anything was ever sent from either XXXX or Washington Federal on this matter, but I can confirm that my wife or I never received any such notification. Never. Moreover, after I established the XXXX account ( I believe in 1993 ), at some point several years later as a XXXX employee I was given a lifetime account that was to be free of administrative-based charges XX/XX/XXXX ( after a series of voicemails and short chats ) - XXXX and I spoke and XXXX reiterated the bank 's offer to close the account and pay back one year 's worth of fees, equaling approximately {$120.00}. XXXX also indicated that the balance of my account when it transferred from XXXX to Washington Federal was approximately {$230.00}. The bank 's position on this is that this offer is more than fair given its policy of only going back and reversing three months of charges and that I, as the account holder, should have been checking my balance more frequently.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021