davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

The was XX/XX/XXXX the amount is was {$2600.00} the. I was XXXX XXXX XXXX. Every year since XXXX they have been taking my income taxes for years till this day. An then I found out the sold my personal information. I called the Educations department an when I spoke with a young lady she said, she don't have any information for me. An then some company called bout XXXX weeks later .but they were talking so fast till after the said who they were an what they have of mine they hung up on me an I tried so many times to call back the number out of service. They wanted me to put my mom in jail. Cause she signed this for me Department of Education said that to me An it saddened me for them to suggest that.
Consumer complaint received 2019-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been trying to get a lien removed/release from Specialized Loan Servicing. After filing a complaint with CFPB to finally get a response to why XXXX XXXX  was holding title to my primary residence they advised I needed to contact Specialized Loan Servicing. 
I understand that back in the early XXXX 's loans were being sold even before the 1st payment was due. I had 2 loans with XXXX when I purchased the home. I filed BK in XXXX and listed both loans and was discharged. It was brought to my attention that the 2nd lien has not been removed and after submitting a complaint to CFPB I got a response from XXXXXXXX XXXX that advised to contact Specialized Loan Servicing. They will not send anything to me since the systems says I am in a BK even though it has been discharged since XXXX. I have sent several letters to Specialized Loan Servicing but they can't speak about the account.
Consumer complaint received 2019-07-17
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. (NY)

To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-03-29
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. (MS)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$33000.00XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2023-03-29
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 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 2023-03-29
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. (NY)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-29
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)

I received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

We originally opened an account with Lowes in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including ICU for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to Synchrony Bank and Lowes and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXX U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX who Synchrony Bank sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. Synchrony Bank utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for Synchrony bank. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that XXXX & XXXX XXXX firm to reach back out to Lowes/Synchrony regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although Synchrony and Lowes have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I set up automatic payments with the Kohls third party collections company XXXX XXXX. My payments were never processed and without my knowledge Kohls was said to have called my account back. Once I realized my payments werent being debited I called XXXX and they told me I had to call kohls ( XXXX when I realized ) and that XXXX  could not take my payments. I called kohls and they told me that my account was with XXXX  and I needed to call them and kohls could not take my payment either. This has gone on since XXXX and when I set up those payments my account was estimated at me owing XXXX or so. My account now shows that I owe nearly XXXX. All I have been wanting to do is pay my balance As it was when I made my last payment in XXXX. Kohls will not remove any late fees etc and not sure what to do. I am in credit counseling and trying to pay all my debt and this one account has tanked my credit score. I have XXXX children and thank God my husband. However, we do not have a ton of money or I wouldnt be in this position. Thank you for any assistance or guidance I can get
Consumer complaint received 2023-03-29
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. (CT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

This year, I have tried to split my payment with my PayPal account and/or checking account, debit card when I make purchases on XXXX. Instead, Paypal automatically siphons off more money from my Paypal balance than I authorized. When I want to use only seven dollars for my most recent purchase, Paypal deducted eighteen dollars.
Consumer complaint received 2023-03-29
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX, XXXX. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-26
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: Medical Data Systems, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

MEDICAL DATA SYSTEMS INC Balance : {$2000.00}. 
MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX MEDICAL DATA SYSTEMS INC Balance : {$920.00} MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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: NAVY FEDERAL CREDIT UNION (MD)

1. Navy federal has put in the system that i owe them {$100000.00} I never EVER applied for no loan I've never had no unsecured credit card with them and every time i get in contact an employee tells me their working on it and always ends up hanging up. 
- i found notice of this when i tried to apply for a bank account and they told me that i owe never federal {$100000.00} this is FALSE this is stopping me from growing and getting jobs something i know nothing about. 

2. Navy federal is falsely reporting a debt that i do not owe. I got a secured credit that i put {$5000.00} down of my own money. they end up closing my account in which that money that i put down would be used in collateral to pay off the credit. MONEY that i never got from navy federal in the first place i put with my own money. 
- They reported the SECURED credit card as a UNSECURED Credit card on my credit reporting file i have proof, they are reporting untrue things that is extremely bringing down my credit score.
Consumer complaint received 2023-03-29
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (TX)

{$2100.00} XXXX XXXX, i paid this account on time and it should not be listed on my credit report as a paid collection account. it has been removed from XXXX  and XXXX, but remains on XXXX.
Consumer complaint received 2023-03-29
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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