davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (FL)

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit card balance hasn't updated in Transunion in over 50 days. I reached out to my credit card company and was told that updated information was sent to Transunion last month. Transunion said that they haven't received an update from this particular credit card company since XXXX. I was told by the credit card company that updated information is sent every 30 days. My XXXX and XXXX updated last month. Transunion has now issued a dispute on my behalf with my credit card company when my dispute is with Transunion not updating my credit report in a timely manner.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX used to be XXXX XXXX. Before the company name was changed I had paid off my balance through XXXX XXXX XXXX. When the name of the company changed my old, paid debt resurfaced. When I've called XXXX they see the " note '' in my file that the debt is paid and say that I won't be billed again. Four months later I getting payment notices and it is reported to the three agencies. I have sent them paperwork which is also on file. This directly afters my credit which I'm trying to fix.
Consumer complaint received 2019-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (OK)

I got a loan over 1 1/2 years ago. The loan was immediately bought by XXXX XXXX. At that time, I was not able to sell my other home and finally started leasing my previous home. The renters moved out before the end of the contract and left the home in a total mess. I was not able to get the home on the market until I had done some work on it. The home remained empty for 8 months before I could get it sold. Meanwhile, I was paying both mortgages along with electric and gas bills. I worked 2 jobs during that time to make sure I made the payments before the end of each month. The mortgage payments were made to Provident usually on the last week of the month but mostly on the last day of the month. Like I mentioned, I worked very hard to get both payments made before the end of each month. I was very concerned about my credit being affected. On 2 occasions, Provident reported my payment as late because it wasn't made by phone before the cut off time of XXXX XXXX. My other mortgage company had a cut of time of XXXX XXXX when I would call a payment in. They also accepted payments on XXXX and XXXX and credited the account on those days. This is not the case with Provident Funding. I had called their Customer Service at least 5 times during this period but they offered no options for me. As I said before, these payments to Provident were all made by phone on the last day of the month but still counted as late. This has greatly affected my credit rating with the 2 main reporting agencies. When I have called Provident, they connect me with Customer Service, I get the same answer that nothing can be done about the reported late payments. There are now a total of 3 late payments with no other late payments reported from other creditors. I had a good standing record with XXXX  XXXX XXXX prior to selling my previous home. Im asking Provident to please work with me as I am now aware of the cut off times for a payment. I worked very hard to pay all bills on time, even getting a second job. 
I was also told by the company who got me this loan that I would be able to set up a bi-weekly payment so the mortgage could be paid in 2 installments each month. When I called Provident, the customer service department told me they had no such service available.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (TN)

Received an email from paypal. email address XXXX. They said " XXXX XXXX sent you a payment request. '' XXXX XXXX  payment request details : transaction No. XXXX dtd XX/XX/2019 amt requested {$290.00} USA pay now. _ I did not click the pay now in blue background button because I do not have a paypal account. The bottom of the email said " Emails from paypal will always contain your full name.To learn more please go to the paypal website and click security at bottom of page. Please don't rely on this email to get in touch with us. Click Help & Contact.
Consumer complaint received 2019-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

idtheftvictim.Ineedtheseitemsremoved.fraudXXXXXXXXXXXXXXXXXXXXchapterXXXXbankruptcy
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In violation of FCRA, TransUnion, XXXX, and XXXX ALL reporting AND supplying inquiries over 2 yrs old thereby giving creditors false and misleading data causing financial harm to me and causing me to get turned down trying to purchase automobiles and other credit products. 
THIS HAS been reported several times before and they lied and said data was removed yet it is still being reported.
Consumer complaint received 2019-07-01
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: U.S. BANCORP (IL)

- In XX/XX/XXXX, when I checked my U.S Bank Credit Card, my credit line was decreased to the lowest amount. I called them as soon as I realized and they said I had some debt that I need to pay for the car I bought which I have no idea what they were saying because I did not purchase a car or anything. I received some mails regarding car payments and I threw them away because I thought those were spam or junk mails. I believe this is a fraud by someone who stole my information.
Consumer complaint received 2023-03-18
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. (IN)

I submitted a dispute to Experian, report # XXXX regarding an account that report on my credit report out of the blue. I was in the process of applying for a home loan and as a result of this negative account, was prohibited from moving forward. 

Experian continued to send generic letters stating that the account had been verified and would remain. 

So I reached out to the original creditor to gather more information about the account. 

In spite of Experian generic responses saying the account was verified and would remain, the original credit stated that they had sold the account to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is not who reported this account on my credit report in XX/XX/XXXX, which caused the dramatic drop in my credit score. 

Clearly, Experian did not do a thorough investigation of my dispute. I am requesting the removal of this account entirely and the negative reporting.
Consumer complaint received 2019-07-01
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: PERSIAN ACCEPTANCE CORP (CT)

i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of my accounts on XXXX for a car loan.
Consumer complaint received 2019-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (GA)

XXXX XXXX XXXX says for 2 years I owe them {$300.00}. I have paid my actual usage, plus 2 mos.  Of double payments of {$60.00} when I had a minor issues with outside hose pipe minimal use. I have asked them multiple times to correct. They send it late or not at all, sometimes without my name or acct hidden in watermark. I have been blocked by the fa consumer division. For the record of predatory harrassment and unsolicited debt collection illegal practice and accounting.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I sent dispute letters for the inaccurate account s to be removed from my credit report on XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.
Consumer complaint received 2019-07-01
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: Experian Information Solutions Inc. (CT)

I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On myXX/XX/2019 Bank of America credit card bill, my balance was {$7700.00}. The balance was due onXX/XX/19. On XX/XX/19 I made an online payment of {$7700.00} by requesting the payment be done via an ACH from my XXXX checking account. OnXX/XX/19, another payment for the same amount was deducted from my XXXX checking account. It is odd that the payment was deducted onXX/XX/19 which was Monday after the due date XX/XX/19 ( Sunday ). While it is possible i requested the payment, I do not remember going online to set up this payment. In addition, I had been paying minimum payments up to this point and I did not change anything regarding automatic payments. When I realized 2 payments for the same amount had been made, I called Bank of America onXX/XX/19. The customer service rep said she would reverse the 2nd payment. I called again onXX/XX/19 to find out when the payment would be reversed and was told there was not a request to reverse the payment. I went thru the process again of requesting the refund of the 2nd payment. I was told it would take up to 10 business days to research. When I called again aroundXX/XX/19, I was informed my request had been denied and I would get a letter explaining the reason. The letter, datedXX/XX/19 said they were unable to return the {$7700.00} payment because the original payment I was requesting was made more than one monthly billing statement ago. In addition, they considered the inquiry resolved and the balance is owed in accordance with the Account Agreement.I called again to discuss this and understand what they meant. The rep said the request for the refund of a duplicate payment had to be made during the next billing cycle, after the payment posted, or between XX/XX/XXXX and XX/XX/2019. Even though I called onXX/XX/19, there was no record of me calling them ( this seems very convenient ). They have a record of me calling on XX/XX/19but they claimed it was too late ( as it did not fall within the 30 days after the end of my billing cycle ). I had looked at the online agreement which stated I had 60 days after they sent the statement on which to report a problem or error. The representative said that did not apply. I was sent the relevant agreement to my account. Again, it states i must contact them about a mistake, in writing, within 60 days after the error appeared on the statement. Nowhere does it state that any issue or refund request must be requested within 30 days following the end of the billing cycle ) In the interim, I needed the money and the only way to get it was to pay a 3 % fee. They were willing to refund the funds if i paid them {$220.00}. So, I requested {$7500.00} be direct deposited to my checking account and was charged a {$220.00} fee onXX/XX/19.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (NC)

To Whom it May Concern, I do not know what this company is trying to pull here, but this debt was negotiated over the phone, assured that this consisted of all debt and the debt was paid in full. This would be verified with telephone transcripts. Once again, I made sure that all of the medical debt that I owed this company was compiled, and that debt was both negotiated, explained the number of days I would have that offer, assured ( after repeated assurances ) that the debt was all of the debt to this company, and paid it in full using a credit card on that day. From reading what other people have stated online, this company seems to be notorious for this kind of behavior. It seems as though they are playing on the faint-hearted to see if they will fight. I am a fighter, but not all people are. this company has overstepped its bounds entirely, and I hope somebody can stop this type of predatory behavior. 
Furthermore, I contacted the XXXX, was told that somebody would be reaching our, and Amerifinacial Solutions has yet to make a single attempt ...
Consumer complaint received 2022-07-21
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. (FL)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Consumer complaint received 2019-06-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/XXXX, I received information XXXX XXXX, via XXXX XXXX XXXX , XXXX is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XXXX XXXX ( XXXX # XXXX ). Neither XXXX XX/XX/XXXX nor XXXX XXXX XXXX , XXXX has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XX/XX/XXXX and XXXX XXXX , XXXX is attempting to foreclose on property in which they do not have a security interest in. On XXXX XXXX, HSBC ( Beneficial Mortgage ) stated they sold the loan to XXXX XX/XX/XXXXXXXX Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.
Consumer complaint received 2019-06-30
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: D. SCOTT CARRUTHERS (CA)

The debt was paid in 2014 in exchange for it being removed from all credit reports including XXXX. When contacted, collection agency gives me wrong info so I can't contact them. Persons name is : XXXX XXXX - D. Scott Carruthers Law Firm and Mountain Lion Acquisitions XXXX
Consumer complaint received 2022-04-28
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank, N.A. act # XXXX, showed up on our credit report in XXXX. This bank credit card was open under another account number which was included in my bankruptcy. At first I thought it was that account and that for some reason even though it was included in bankruptcy in XXXX that they had opened the card back up. I contacted the bank and they said the card was open and that they sent me a new card. I never received any card in the mail or any billing statement from XX/XX/XXXX to XX/XX/XXXX. I got a call from Capital One saying they were going to put a collection on my credit report if I didn't pay for this card and that they would hurt my credit. Since I work for the government and I didn't want anything else to hurt my credit or security clearance after I had filed a Chapter XXXX two years ago, I paid the card off and Capital One told me they would remove the derogatory statements from my credit if I paid. They never removed any derogatory statements from XX/XX/XXXX to XX/XX/XXXX and after further investigation including paying for all three of my credit reports, I discovered that this is for an account I am not even aware of opening and not the one that was supposed to be included in my bankruptcy. The company had the wrong address on file and had one of my old addresses too which I have had issues with the new person at this older address stealing property that is delivered to them by mistake that is for me.
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (GA)

I went to cosign for my son a car for college and was denied. I applied for a copy of my credit report and there are stuff on there that is not mine. XXXX XXXX/XXXX ( Acct XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. Please have these items removed. Also I see where my credit has been ran without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I'm doing this on my own and I have also contacted my local police and FTC.
Consumer complaint received 2016-04-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (VA)

XXXX XXXX XXXX- {$4100.00} AMSHER COLLECTION SERV - {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation