davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Services has been reporting a debt of {$400.00} to XXXX for several months. This company refuses to provide any information and is clearing using debt parking which is a violation under FDCPA and FCRA laws. This is causing extreme financial problems for me.
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings (NV)

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue. & I sent a letter to the company asking to verify that this account is mines. Its been more than 30 days I havent received any mail response. Just non stop phone calls.
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC (FL)

On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.
Consumer complaint received 2021-10-20
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: Bepensa Capital, Inc. (TX)

ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.
Consumer complaint received 2023-07-06
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. (TX)

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.

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 a 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 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Recently logged into an account I forgot I had with Huntington Bank. There was less than {$15.00} in the account. It looks like they randomly charged a fee at the end of XX/XX/2022 of {$15.00} causing the account to go negative. They last charged a fee in XXXX and there also happened to be less than {$14.00} in the account, again causing the account to go negative. Upon further review this has happened randomly several times over the course of a year. They did not charge a fee every month but the months they charged a monthly fee it caused the account to go negative. This practice of charging a monthly fees greater than what is in the account on an inactive account is unethical and should be illegal.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (ND)

My loans transferred to Navient in XX/XX/2015 for some reason they disappeared and came off my credit report completely for an entire year I called to check on them no one knew where my loans were they wrecked up {$5000.00} in interest even though they were no longer on my credit report and XXXX and had no idea where my loans were. I continue to call over and over I asked to talk to supervisors with no response back Ive asked for a list of my bills and where my loan has been they always there for me to another department or student loan services
Consumer complaint received 2022-10-16
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: LEXISNEXIS (IL)

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A foreclosure on my TransUnion report should have aged off the report XX/XX/XXXX as date of first delinquency was XX/XX/XXXX and the account was never brought current after that date. It seems that the creditor re-aged the account for several months from XX/XX/XXXX thru XX/XX/XXXX as current when it was not as no payments were ever made during that time period. The report also makes note that as of XX/XX/XXXX the account was at least 120 days past due. I disputed the account current status for the months of XX/XX/XXXX thru XX/XX/XXXX pointing out that the date of first delinquency was correctly reported as XX/XX/XXXX and the XX/XX/XXXX date shows 120 days deliquent which negates at the minimum the current status for the first 4 months of XX/XX/XXXX. Each time I disputed the account, it came back as verified and remained on my report. I also sent copies of the foreclosure court papers filed by the creditor in XX/XX/XXXXof XX/XX/XXXX stating and swearing accuracy that the account has been delinquent since XX/XX/XXXX and never brought current. I sent these court papers on 3 occasions, once electronically and twice via USPS certified. TransUnion never took into consideration the proof that I sent them. I was told that the account is verified as correct by the creditor. My last verbal dispute with TransUnion that they take into consideration the legal court documents I sent them proving that this account should no longer be on my credit report was on XX/XX/XXXX. Although I received acknowledgement of this dispute on XX/XX/XXXX I never received any further response and the item remains on my report negatively affecting my credit after it should have been removed almost 5 months ago. This has been disputed at least 8 times over that time period. TransUnion rep told me they do not have a disputed resolution department and only consider what the creditor verifies.
Consumer complaint received 2020-02-09
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)

XXXX : Experian removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (NC)

I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.
Consumer complaint received 2017-07-19
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. (CA)

I have private students loans with Navient that are now in default. Over the last few years I have experienced financial hardship. In addition to this, I have tried numerous times to arrange and lower my payments with this company. Instead, I have received threats over the phone, with representatives saying that I will be taken to court, have my wages garnished, and that I am irresponsible. Whenever I call to try to come up with an arrangement these are the responses that I receive. I have grown frustrated and tired of these threats and the inability to work out a plan. I have told numerous representatives what I can pay at this time, but they are still not willing to work with me. I have received numerous calls from other states on a daily basis from New Jersey, XXXX DC, Indiana, Florida, and Texas. It has been a nightmare dealing with this company, and have told family and friends to stay away from this company. I would like to have some type of resolution to this problem. Thank you.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 accounts, 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 REMOVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

I DID NOT OPEN ANY ACCOUNT WITH COMENITY BANK! THIS HAS BEEN EFFECTING MY CREDIT SCORE SINCE XX/XX/2019. I NEED THIS CLEANED UP! 

Alleged amount due : {$490.00} Payment Status-Collection/Chargeoff Account Status-Derogatory Amount Past Due-Not Reported Account Details Original Lender : 01 COMENITY BANK Account Type-Not Reported Responsibility-Individual Age Of Account-2 Years, 0 Months Credit Limit-Not Reported Highest Balance/ {$550.00} Payment Details : Amount Past Due-Not Reported Date of Last Payment-Not Reported Monthly Payment-Not Provided Payment Frequency-Not Reported
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

I am a victim of identity theft. The fraudulent information information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file.
Consumer complaint received 2020-09-25
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. (VA)

I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.
Consumer complaint received 2022-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

In XX/XX/2022, I had autopay set up to make my monthly payments through Shellpoint Newrez Mortgage company.. I have had this loan for almost 6 years with no issues and no late payments.To my surprise I get a notification 31 days later that my mortgage was not paid for the month because the auto-pay did not go through. This was on there end that the issue arose. I didn't have any contact, email, phone call from the mortgage company about this issue. I only received notification when my credit score took a XXXX point drop from the missed payment. This is unacceptable. 

I have been trying to get this resolved for the last 4 months with no help. I have provided all proper documentation including my credit report and a written letter. They have been not understanding of the issue and taking blame that it was my fault. This needs to be resolved and update to all credit buereas needs to take place. 

XXXX XXXX
Consumer complaint received 2022-10-16
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. (IL)

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (LA)

I had set up my tax refund to be deposited directly into my XXXX checking account, someone got into the account while my funds were depsoited and used my virtual debit card, after which I had closed the card and opened a new card but they turned around and denied my claim when they never even investigated it. My card was used fradulently and they are denied my claim. The charges disputed were clearly fraud as I myself have confirmed by contacting XXXX XXXX and other merchants that charged my account.
Consumer complaint received 2022-10-16
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. (CO)

Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over 60 days and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NE)

I tried to send my sister {$350.00}. She tried to sign up for the train account. And it ended up freezing and covers. She couldn't make a second account then. Afterwards, it said the money was claimed. We called chime right away. And at that time, she was able to sign up on the count. But no money was sent to my sister. And it was taken from my account. I have spoken with several supervisors in the escalations department. Who have verified that? Neither my sister nor me have that. XXXX dollars, and that it needs to be refunded to my account. They are try to help me file disputes. But trying automatically denies my dispute. Because they say she sent the money. Yes, I did send the money. But there was an error in their system. And the money was never actually deposited. I need my refund for this amount.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (UT)

In the debt collection agency receiving my account information, I set up autopay to get the account paid off in a timely manner. There have been multiple issues with them not taking scheduled authorized payments then taking multiple payments at once. XX/XX/2022 and XX/XX/2022 are around the dates these issues have happened. Being they took no payments in XXXX, I am having to pay the rest of the account in full.
Consumer complaint received 2022-10-16
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. (DC)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!