davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Currently, I have what is listed as a delinquency of 3 months on a bill of {$27.00}. I do n't recognize the company, nor do I recall incurring any bill. My credit score at the time this delinquency showed up as a collection was XXXX. In a week, it has dropped down to XXXX. I finally got a reference number for the supposed collection agency. I contacted them, and even though it was not my {$27.00} bill- I paid it. I pay off my credit cards all the time- I do n't forget bills. Meanwhile, when I deal with Experian ( I have credit monitoring through them ) - they say there is nothing they can do. I will have to wait XXXX45 days to get this removed from my report. But, my score continues to be recalculated lower, week by week, even though I have done nothing wrong. At the same time, I just received a job offer, who, of course, requires a credit check. This will appear on my credit report as a delinquency. But, Experian wo n't remove it, and the company I dealt with to get this removed may or may not contact the credit bureaus- I do n't know. Supposedly, they were going to do so, but have n't done so. So, I have derogatory information on my report- Experian says it is not their problem, and can only send a letter to have someone respond. If they get no response, then they will remove it. What kind of policy is that? If they hear nothing- they will take it off. But, meanwhile, I feel the impacts of something that I did n't even do! It 's so frustrating. This issue does not show up XXXX, but I am frustrated beyond belief with Experian. And, Experian also will not show or erase any of the history of my credit score constantly going lower over the next several weeks until this is resolved. So, I look like I have bad credit when I do n't. I look delinquent when I am not, and I can not seem to get an answer or find anyone who will help me.
Consumer complaint received 2018-12-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastern Revenue, Inc. (VA)

A debt collection company, Eastern Revenue, submitted a direct consolidation loan application on my behalf without my knowledge. The provided incorrect information to the Department of Education about my employment status and set up an account with the Department of Education on my behalf that I do not have access to. Additionally, they entered me into a payment plan that I did not authorize or was aware of.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 Account # 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 an 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 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion will not let me get into my credit report online. It does not matter what I do, they know it's me and they will not let me into it. I have looked up online other reviewers that are having the same problem with all of the companies like XXXX  and XXXX. They also are keeping scores down when the person is doing everything right. People online that are having the same thing happening to them are feeling they are being targeted because of their political party. 
XXXX  has been lowering my FICO  score by 50 points and fluctuating it up and down when I have done nothing. I am well under 30 % and I pay off my credit cards each month. I have good credit and my other FICO   scores are atXX/XX/XXXX  or well over. For some reason, XXXX  continually tries to lower our scores. I have been told it is because of my political party. I just watched my FICO  drop 46 points down for zero reason and I am under 30 % debt to income. Are these people intentionally trying to ruin peoples credit so we can not rent or buy a mortgage or anything else? It sure seems like it.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

Inaccurate information on credit report. 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-03-08
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: Resurgent Capital Services L.P. (IL)

I never signed any documents for the companys to view my credit history. nor signed for a 3rd party debate collector to view my credit -LVNV XXXX
Consumer complaint received 2019-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (NH)

I am continuing to receive collection calls from Stillman Law Office who I previously filed a complaint against in XX/XX/XXXX, Complaint # XXXX. The debt being called about belongs to XXXX XXXX, the son of XXXX XXXX, the previous owner of my land line phone number XXXX. I was assigned this phone number in XX/XX/XXXX by XXXX XXXX. I have managed to get other debt collectors to stop calling but this one does not stop. 

My two elderly parents and XXXX sister live with my husband and me, and these harassing collection calls block the line for their medical providers to reach me. This needs to stop immediately.
Consumer complaint received 2021-06-26
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. (PA)

These companies XXXX, Experian, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XXXX, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on XXXX of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had XXXX liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a {$0.00} balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of {$15.00} has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, XXXX perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened a Navy Federal account with a former roommate who sponsored me who I no longer live with. I'll come back to that later.

I had XXXX in personal loans taken out on my credit and deposited via ACH into my Navy account. On XX/XX/XXXX I requested a large amount of cash withdrawal to use these funds for my personal use ( hence, personal loan ). Navy then flagged my account and froze my funds without warning, without anything in writing and left it frozen. They refused to give me a reason or anything in writing or email. They only sent a form to appeal. What am I appealing? Their answers were very very vague and changed from one person to another about verifying my identity.

I have alerts on all 3 credit agencies due to a past ID fraud on my social. This is fine if that caused a flag to verify. I then emailed all documentation to prove it was me and they still refused to let go of my funds. They never spoke to me with a clear reason and never once did I receive anything in writing.. They illegally froze my funds and then after 15 days they told me " We can't verify and you need to go pick up your balance in person at the branch via cashiers check ''. Fine. I then returned from vacation to visit the branch and they still had {$50000.00} held back. I then found out without my permission they sent back the money to the loan originator ( one of the 3 loans, so why not send back all??? ). And only after I called the local police did they agree to release to me the remaining {$29000.00} in my account via check. The entire ordeal made me miss payments, rack up late fees and have returns on my account for no reason. I provided all appropriate information and they still handled my account however they pleased with total disregard to policies and informing the client of anything. They did whatever they wanted to me even with all verified paperwork. 

I am going to join a class action lawsuit seeing how Navy has a large history of mishandling accounts just as they did mine. They were extremely unprofessional and only at the end did they say one reason they froze it was my former roommate told them we don't live together anymore ( you need to be sponsored to open an account ). So what! If they no longer wanted my accounts open due to THAT they should have still told me in writing and then released FULL FUNDS back to me. They abused my account and as I said I had the police arrive at the branch before I was able to retrieve partial funds back all because I asked for cash. The remaining {$50000.00} will be sent back to me via my loan issuer ( because they are professionals ) but this can not go without consequence to Navy. I am willing to prosecute by any means necessary.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I never applied for credit at XXXX XXXX XXXX XXXX. I am seeing an inquiry on my credit report as well got some deny letter on XX/XX/2018. I called Immediately and spoke to XXXX XXXX from XXXX XXXX XXXX XXXX. He advised that he would have it removed. 
As of today I still see the inquiry on my credit report. I need this off asap.
Consumer complaint received 2019-04-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WRJ Holdings, LLC (GA)

Hello I have paid 2 payments I have been laid off from work due to my XXXX and my wife complicated XXXX it's been super hard for to catch up I have told the company I was going to come in soon and make a payment butneash time it fail due to financial problems the company sent a voice and said a warrent would be issued for my arrest if the car isn't paid so if there another option.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX who claims to be CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX Toll-Free : XXXX Local : XXXX Letters : XXXX Telemarketing : XXXX Client Services : XXXX Fax : XXXX Email : XXXXXXXXXXXX claims he received this debt listed on XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Financial Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned Last Payment Date : N/A Status Date : XX/XX/XXXX Status : Z - In Bankruptcy Comments : Bankruptcy chapter XXXX, Bankruptcy discharged Experian : Changing the same exact account from closed to open. 
XXXX XXXX XXXX, Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Balance Date : XXXX XXXX Balance Amount : Date of Status : XXXX XXXX Status : Closed Open As it appears on Experian : XXXX Account Type Collection Terms- Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details In Bankruptcy Status Updated XXXX/XXXX/XXXX Balance-Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Monthly Payment Balloon Payment Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Ownership-Individual Account Original Creditor XXXX XXXX XXXX Company Sold-to Original Amount Comments BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX Claims when he buys these accounts, he has no responsibility to verify if the debt is valid, he throws it on credit reports hoping to collect, I asked him, even if you already owned the account in XXXX? Already flagged it for Bankruptcy? Nope he bought it from : XXXX, XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX, complain to them! I decided to complain to you since this is preventing me from obtaining a Federal Student Loan consolidation. Because it appears to be a new open collection. I feel the creditor has to have some sort of responsibility to verify the validity of the debt and should not be able to list items that are closed as open again every few years, hoping to collect on accounts that are discharged in bankruptcy. Mind you this was never my debt, my ex husband took out the loan, I only added it to my bankruptcy to avoid them coming after me, once I was divorced.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (MN)

I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

COMPLAINT : CLIENT : XXXX XXXX CAPITAL ONE : CREDIT CARD : XXXX LAST 4 OF SOCIAL : XXXX I SPOKE TO CAPITAL ONE ABOUT A MEMBERSHIP FEE OF {$29.00} THAT IS WAIVED FOR OTHER CLIENTS AND NOT ME : I SPOKE ON XX/XX/XXXX TO THESE EMPLOYEES 1. XXXX : EMPLOYEE # XXXX XXXX. XXXX : EMPLOYEE # XXXX 3.XXXX : EMPLOYEE : I EMAILED THE CEO : XXXX XXXX AS THESE EMPLOYEES WOULD NOT GIVE ME HIS NAME, HIS EMAIL XXXX OR THE CEO 'S PHONE NUMBER : WHY WAS THIS HIDDEN AS A PROFESSIONAL REALTOR, MY TIME IS WORTH {$200.00} PER HOUR. WHAT IS THE CEO 'S TIME WORTH : HERE IS WHAT XXXX SAID TO ME 1. XXXX XXXX, WE ARE WAIVING SOME MEMBERSHIP FEES OF {$29.00} BUT NOT YOURS. WHY? 
THIS IS NOT VIOLATING YOUR RIGHTS. 
YOU CAN NOT FILE A COMPLAINT AGAINST US FOR WAIVING ONE CLIENTS FEES AND NOT YOURS.

2. PLEASE ADVISE : HOW MANY CLIENTS OF CAP ONE ARE GETTING THE {$29.00} FEE WAIVED? 
ARE THE 40 MILLION CITIZENS IN CAL BEING ABUSED? 
ARE THE 12 MILLION IN XXXX XXXX COUNTY BEING ABUSED? 

WHAT LAW ALLOWS CAPITAL ONE TO DISCRIMINATE AGAINST ME? 

THIS CONVERSATION WITH CAPITAL ONE HAD MY PERMISSION TO RECORD IT. I WOULD LIKE THE ENTIRE TRANSCRIPT TO BE SENT TO ME. I AM LOOKING AT RUNNING FOR XXXX XXXX COUNTY SUPERVISORS RACE IN XX/XX/XXXX AND WOULD LIKE TO KNOW IF CAPITAL ONE IS ABUSING 12 MILLION IN XXXX XXXX COUNTY
Consumer complaint received 2019-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Suttell, Hammer & White, P.S (CA)

On going collection since XXXX. Received collection calls & letters regarding a XXXX XXXX XXXX ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, Suttell & Hammer. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. Suttell & Hammer filed a lawsuit against me for the XXXX XXXX account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.
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 — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Wrong name on my Equifax account See complaint # XXXX Equifax 's reponse to this complaint is preposterous. 
None of the accounts that Equifax has lists my name as " XXXX '' which Equifax ALONE of all three credit agencies has listed as my name for 30 years in error. 
It is Equifax that is responsible for correcting its own error.
Consumer complaint received 2018-08-06
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.
Consumer complaint received 2018-08-06
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.