davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXnquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-11
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. (TN)

Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX  and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

I received mail claiming to be from XXXX XXXX. They gave me three options to pay them {$700.00} or face the grave consequence. They put XX/XX/2022 as deadline. I suspect retaliation and/or persecution by organized criminals of the past, present and future who kidnapped my rights very long ago by violating the RICO Act. Let justice take its course.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America has an agreement with several large corporations that automatically updates your credit card number when it changes so that recurring monthly payments ( think of your XXXX subscription ) always goes through. The intent is that so when you are issued a new card, you don't miss a payment or lose service if you forget to update your card. The problem arises when your card number is stolen through a data breach and used to pay for services with one of the companies. My credit card number was used to open up multiple XXXX accounts in XX/XX/XXXX. We disputed the charges and were credited the funds as well as issued a new card number. Because of this very poor policy, Bank of America gave XXXX the new card number and we got more charges. This process repeated over the next 2 months and we are now on our 4th new credit card and neither XXXX or Bank of America seem to be able to do anything about this. It is clear from what is happening that the fraudsters have found an exploit in this policy that essentially allows them to charge an account indefinitely, regardless of the card number. This actually hurts the merchant and the bank, as I will be getting my money back, but I do estimate I have spent close to 4 hours disputing charges over the last 2 months.
Consumer complaint received 2018-10-30
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CO)

My mother had a reverse mortgage on the house. When she passed away I tried to communicate with the reverse mortgage company but they changed and would not communicate with me. I was denied the 90 days and they started foreclosure on the house. 
My mother passed away on XX/XX/2017. I tried communicating with the company but A lawyer needed to get involved.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (NC)

I obtained this debt due to XXXX. The collection status was deleted from my report months ago and now its showing again. This is unfair credit reporting practices under federal law. I am a XXXX XXXX  and the practices demonstrated are not legal.
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I graduated University XXXX XXXX in XX/XX/XXXX during this time XXXX kept pressing to take out more loans putting pressure on you in order to graduate. After graduating the job market fell I could only afford so much but XXXX XXXX now know as Navient kept pressing me to put it in forebearance. I had to do that up until XX/XX/XXXX when I finally got a job and I have to keep calling and spending a lot of time on the phone to keep my payments low. They asked for {$180.00} a month so I was paying {$200.00} with my last payment as of XX/XX/XXXX only to receive an email stating that my payment was due. I checked the website and I also called to find out that my payment had been reinstated and that aTotal Payment Due : {$800.00} Current Amount Due : {$500.00} and I have a Past Due Amount : {$290.00}. The customer service rep I talked to said that my 2 year lower payment time was over but I had never received any notifications from them and they always add late fees and if adding up late fees from all the previous times they have done this to me it will add up to over {$2000.00} in late fees when I was never late with one payment. 

This does not include the fact that they increased the interest rate from 2.65 % to 6.8 % so when I asked about that she stated that is because I could not pay the amount they want for 6 XXXX loans they carry. When I commented on the interest and stated to this rep " So they pretty much just raise the rate when they feel like it because you can not pay the large payment they request every month '' Her answer was yes they do so I think they need to be investigated for this.
Consumer complaint received 2018-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My identity was stolen around XXXX 2018. I contacted the banks fraud department to inform them I did not open a credit card with them. I have contacted several other banks to inform them I never opened accounts and cards with them. They all removed the accounts from my credit report. However, Capital One Bank has not removed the account from my credit. I contacted Capital One in XX/XX/2018 and they have not removed it.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (PA)

I called the original creditors, today XX/XX/23. To have the unverified and unauthorized items deleted and were told to contact the consumer reporting agencies directly to have the inquiries removed immediately. I am now filing this consumer, financial protection 15 U.S.C 6801 with accordance to the FCRA to legally have these items delivered immediately.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

In XXXX of 2022, I received notification via mail that Ability Recovery Services acting on behalf on XXXX was attempting to reinstate an old debt back onto my credit report. 
It has been several years since the XXXX and all debt collectors have reached out regarding this debt being removed from my profile. The notification from Ability Recovery Services laid out a few options that I had before the debt was replaced back on my profile. One which included Verification of Debt. The notification provided a date in which the dispute or request for additional documents were to be submitted. Two days after receiving the notification via mail, a debt validation letter was sent to Ability Recovery Services to request hard copies to prove that the debt belonged to me. I have received no additional follow-ups from the debt collection company and the debt was placed on my profile regardless. 

I have noted that this company apparently has been notorious for this happening in the past with other clients.
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XX/XX/XXXX NEGATIVE ACCOUNTS : - 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 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.
Consumer complaint received 2022-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (MI)

This company has harassed me for a debt they claimed I owe but I never received any letters in the mail nor any proof of said debt. They contained to call even though I repeated told them to stop calling until they provide prove or send me a letter in the mail on such said debt.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Hello, I have a closed credit card account with Wells Fargo that was opened XX/XX/18. The account is in collections. I tried to work with Wells Fargo in order to come to a resolution and get the delinquency paid. I would like the closed account/delinquency removed from my credit report. Please assist.
Consumer complaint received 2019-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/2019 I notified XXXX of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted Capital One who is unable to validate a request came in on my social security number, After reporting this to XXXX, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as XXXX & Capital One who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.
Consumer complaint received 2018-10-31
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: Experian Information Solutions Inc. (FL)

On XX/XX/18 I obtained my Experian credit report ( Report # XXXX ) and after reviewing it I noticed that I have 1 negative account and 2 inquiries that I do not recognize which is definitely fraudulent. The 1 negative account is from a XXXX XXXX, XXXX and there are 2 unauthorized inquiries from XXXX Card and XXXX XXXX of which i have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Experian to no avail. This is affecting my credit and I am asking for help with this matter. 
Thanks
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc. (OH)

I received a letter from XXXX XXXX on XX/XX/2018 stating that the firm was retained by the above referenced creditor and no attorney has evaluated my file, the validity of the account, or personally reviewed the circumstances of my account and as such is acting solely as a debt collector and not in any legal capacity in sending this letter.
Consumer complaint received 2019-08-30
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: Tate and Kirlin Assoc (MS)

I have a collection account listed on my credit report by a debt collection agency, XXXX XXXX XXXX, collecting on behalf of XXXX XXXX. XXXX XXXX XXXX is the current creditor, but Tate & Kirlin Associates , INC has been sending me letters offering to settle the account. XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. 
The collection account was last reported on my credit report on XX/XX/19.
Consumer complaint received 2019-03-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I have tried several times to refinance my student loans that are currently being serviced by Navient. Despite having a credit score above XXXX, and no late payments on any other debt accounts, except for loans serviced by Navient, I am routinely denied refinancing by banks, other servicers, XXXX, XXXX, etc. I have spoken with the team at XXXX as well, and they advised that I contact Navient directly, and request they remove previous late payment marks as it is over 3+ years old ( or provide in writing that I am no longer delinquent ), due to my current good standing. I have explained the situation on several occasions ( XX/XX/XXXX, and most recently XX/XX/XXXX ), and despite XXXX  saying Navient has the right/ ability to remove these late marks, Navient refuses to do so, fully acknowledging that they have trapped me into paying them, and not being able to refinance. I feel that I am being unfairly treated as well as subjected to indentured servitude by Navient. My loans are currently at an average interest rate of XXXX % ( ranging from XXXX - XXXX  % ). XXXX has told me that the WORST rate I would be offered would be XXXX  %, and most likely closer to XXXX %. This is outright usury and would be illegal in any other short-term lending, or housing loan! I have paid them over XXXX to date on a XXXX principal loan, and currently have a remaining balance of XXXX. I am simply seeking to refinance with a better lender/ creditor/ servicer. As a customer I do not believe this is too much to ask for! XXXX NAVIENT!
Consumer complaint received 2018-10-31
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. (NJ)

I am a XXXX XXXX XXXX & XXXX XXXX Veteran and I went through the proper channels to get my student loan forgiven and discharged. As of XX/XX/XXXX, the student loan in the amount of {$140000.00} was permanently discharged and suspended. The other two credit reporting agencies XXXX  and XXXX both have removed the student loan from my credit report back in early XXXX because I presented them with proof that it was discharged and suspended, but Equifax credit reporting agency refuse to remove the student loan from theirs even after I have submitted the actual letter from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX proving that the loan is discharged and suspended. I have put in back to back disputes and re-investigations into this matter with Equifax and they keep coming back saying that the credit report is correct and the student loan is staying on my credit report. Equifax just will not remove this student loan from my credit report. This has lowered my credit score to the point where I can not obtain credit or purchase a home, potential creditors refuse me credit thinking that I am a high risk candidate and this is unfair to me.