davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (TN)

Collection Bureau Of America/XXXX XXXX or XXXX has sent me to collections for a service I never started. I have disputed the account with the credit bureausXX/XX/XXXX and XX/XX/2019. I have requested documentation from XXXX   XXXX proving the account to be mine because I have never had water service from them or any other bottled water company. The have not and will not send me any documentation. As well they notify one credit bureau that the account is valid but will not send them documentation proving the debt. This collection has caused me to place a fraud hold on my credit because I know I did not have an account with this company and they will not send me verification.XXXX XXXX just tells me to file a fraud report with the credit bureaus. I need documentation of the account to do so but again they have not provided me or the credit bureau anything. I have filed complaints with the better business bureau XX/XX/2019 as well to try to get this fixed with no results. As of today their response to the BBB is for me to file a fraud report. Again I need documentation from them to prove the account is mine in order for it to be legit fraud other wise it could be as simple as someone with a similar name.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (PA)

I have had an issue that has been ongoing since my loan has been transferred from XXXX back in XXXX to Specialized Loan Servicing. I have spoken to approximately 14 to 16 different people regarding this situation and have provided the necessary documents to SLS to research the missing payments. I have yet to hear of a resolution and I have not been contacted by anyone to this date. I spoke to my previous mortgage company, XXXX and they informed me that two payments were forwarded to SLS after the transfer of the loan in XXXX. One payment was forwarded on XX/XX/19 totaling XXXX and another payment was forwarded on XX/XX/19 totaling XXXX. Those payments were the XXXX and XXXX payments. I am extremely disappointed with how this has been handled. I have been contacting SLS since XX/XX/2019 and have not yet reached a resolution. I provided proofs of payment notarized from my bank on XX/XX/2019 as instructed. These documents were received and I called to verify via telephone on XX/XX/XXXX. I spoke with XXXX at SLS in missing payments and was told the issue would be researched and resolved by XX/XX/2019. I  spoke to XXXX on XX/XX/XXXX who promised me the issue would be researched and a follow up phone call would provide resolution. I spoke to supervisor XXXX on XXXX who promised a phone call back within a 2 hour time frame with a resolution. I called on XX/XX/XXXX and spoke with XXXX who promised a supervisor would return my call. I then spoke to XXXX in the XXXX, AZ office who informed me that her supervisor XXXX would return my call within 2 business days. I called on XX/XX/XXXX to try and reach XXXX but I was told he was unavailable. It is now end of business on XX/XX/XXXX and to this date I have Never once received a call back and there is still no resolution. After all these contacts I am in shock that I have not gotten a courtesy call from a supervisor that I requested multiple times. 



Thank you, XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My cabinet installer overcharged me and he had to give me a refund of {$500.00}. Since his work was far we both agreed to use XXXX on Bank of America mobile transfer since it's advertised as it's quick, easy and secure. So he sent {$500.00} via XXXX, I got a text message that the cabinet installer sent me {$500.00}. so I checked my account on Bank of America, but the money never come in. He showed me the transaction was completed, he put the correct phone number, there was no mistake to send to the right recipient which is me. We both called Bank of America, they said they will fix the problem but after filing 2 disputes and 2 claims against the error that Bank of America has occurred, they clearly lost the money, 3 of the bank 's representatives said and admitted that they are not supposed to tell customers not to use XXXX to send or receive money because it is not the most secure way to make money transfer. After waiting for their decision and the bank is now saying only thing we can do is filing a legal action against Bank of America. Please let the bank stop giving misleading advertisement with XXXX.
Consumer complaint received 2020-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts would be taken off. The first account on here according to my XXXX XXXX is XXXX it says I am an authorized user. That should be off my file. The other account was a XXXX card with a credit limit of {$14000.00}. These cards one was an ex bf 's and was my mother 's I just don't want anything to do with them and for it to be off my credit report as I am trying to build good credit and do not need or want there help. Thank you. I was told by Equifax that would be resolved and taken care of.
Consumer complaint received 2018-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Navient had notoriously taken my over payment and applied it to interest and advancing my payment due date, rather than applying my extra payment to the principle of the loans. This extends the life of the loan and the financial hardship on myself.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Starting nearly 18 months ago. My loan servicer Navient has been claiming they have not received my income based repayment application. XX/XX/XXXX- I applied for income based repayment. Shortly after I started receiving calls regarding my late balance. They asked me to resend it and they offered to put my plan on forbearance for 3 months to ensure it would stay in good standing. I immediately resent the application. XX/XX/XXXXXXXX I started receiving calls again claiming they had not received my application. Again they offered forbearance for 3 months. Again I sent my application. XX/XX/XXXXXXXX calls started coming again, this time I pressed them for more information, stating that I had sent it 3x already. Only then did they say " we have your application on file it is missing a signature ''. Again they offered forbearance, and I again I filled out and sent an application. XX/XX/XXXXXXXX Calls came in again. Again when I pressed them for more information they said that they received the application but that my tax return was missing ( it had been sent together with the application ). When, they offered to put me on forbearance I said no- I will send my app today and I expect a phone call within 48 hours. 48 hours later ... received phone calll, we received your application lets just put you on forbearance until it processes. XX/XX/XXXXXXXX Received phone calls that my account is passed due ... I told them, I am consolidating my loans, please dont ever call me again.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Consumer complaint received 2021-10-17
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. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX Data breach. All is being investigated by the FTC.
Consumer complaint received 2021-10-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.
Consumer complaint received 2018-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I HAVE A XXXX XXXX XXXX REPORTING ON XXXX  ONLY FOR XXXX ACCOUNT NUMBER XXXX I HAD DISPUTED THIS ACCOUNT AND I GOT A LETTER FROM XXXX XXXX SAYING THERE WHERE GON NA REMOVE IT IN 30 DAYS. XXXX AND XXXX ALREADY DELETED THIS ACCOUNT. ONLY XXXX DID NOT. PLEASE UPDATE XXXX TO REMOVE THIS ACCOUNT
Consumer complaint received 2018-03-07
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 (TX)

The promotion for the capital one platinum credit card says that there are no interest charges. My credit card was charged interest charges since it was open on XX/XX/2017. I can not send a secure message because they do not have the option on my account profile page, it is all through mail or phone.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {XXXX} / XX/XX/2022
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Financial Institutions such as Capital One are Circumventing and Evading Rule E, and Consumer Protection Law 's Ref.U.S.C.1693 and others by refusing lawful payment that can NOT result in Overdraft Fee 's, and requiring only payment methods that CAN result in Overdraft Fee 's. Because this is happening to Millions of Consumers and not just me individually, and costing over 8.5 billion dollars each year, the CFPB needs to Update Rule E in order to close the loop holes, and allow Consumers the right to choose NOT to opt in, and NOT pay Overdraft Fee 's.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC. (IN)

XXXX XXXX has seized my bank account located at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have sent certified mail to them notifying them that they are violating Indiana State law. The debt they are trying to collect is from XX/XX/XXXX and XX/XX/XXXX which is classified as " Time Barred '' debts according to Indiana State Law. A time barred debt is a debt over 6 years of age and ONLY allows the debt collector to send notice and NOT to take any court or enforceable action. This is part of Indiana state law IC 34-11-2-7. XXXX is clearly violating the law and needs to release my funds immediately.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX  by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXXt account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks
Consumer complaint received 2019-09-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC (TX)

I have wrote to all Credit Bureau to have this debt with West Lake Financial removed from my credit report. This debt is over seven years and West Lake Financial is reporting it as a new debt and placing it back on my credit after removed. I never agreed to a payment arrangement on this with West Lake Financial because I'm unable to work and the bill is over seven years old. It is a violation of law for a collection agency to report old past-due amounts as if they are new again. If an agency persists in reporting old debts with updated activity dates, I may have a legal case against them. West Lake Financial is reporting a debt that's over seven years on my credit report and hindering my credit score. I would like this removed once again off all credit bureau and not to be replaced again as if I open a new contract with West Lake Financial.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Re : Loan Nbr XXXX SLS/XXXX FRAUDULENT FORECLOSURE Please see Letter of today, XXXX XX/XX/2021, enclosed with the full complaint. 
For some reason the document would NOT permit me to copy/paste. 
Please forgivel Thank you for understanding. 

Sincerely, h XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-18
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: DISCOVER BANK (GA)

I have checked my credit report & notice they have been some accounts on my report that I had no idea of & do not recall applying for. I have contact these companies multiple time & even sent dispute letters to all 3 credit bureaus regarding this matter. I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies Company name : XXXX XXXX XXXX Date : XX/XX/2015
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of James R. Vaughan, P.C. (AZ)

XXXX to XXXX years ago my husband did a flooring job and it was destroyed by other trades working in the home. The last judgement was the judge telling both my husband, the owner of the flooring company, and the customer to work it out in the hallway of the court. They came to an agreement and that was the end of it. It was a XXXX XXXX dollar agreement. 
We took care of my mother for XXXX years. She had Parkinsons and was in a wheelchair. Because I was physically destroyed after lifting my mother for XXXX years I was given her life insurance of XXXX XXXX dollars. My mother passed away, the insurance deposited the check and the second it went in the bank account, XXXX XXXX XXXX  XXXX  to the entire XXXX XXXX dollars out of the bank. We didnt owe anyone money so it took several days to find who and why the money was taken out. We called the debt collector and they said tough luck for us. They said there wasnt anything we could do. 
I tried to XXXX XXXX. I was so shocked I couldnt get out bed for over a year. We are people that planned on that for the only retirement we would have. Leaving no money in the bank everything began to bounce and it overdrew our bank account XXXX XXXX dollars. We had to sell our belongings to pay the rent and keep the car. 
What a world we live in. Mind blowing fraud but we had No defense.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RANGE CREDIT BUREAU INC (FL)

Range Collections stated that I have a debt of {$1200.00} and it was first delinquent on XX/XX/XXXX. This is incorrect as I have never had a relationship or business with them nor have I ever heard of them in any form or way. I just saw it in my credit report in XXXX for the first time when I receive my credit. I was not in the US and had no credit, this is the first I ever got any credit or even a report so how could that have been me. My credit should be clear and clean as this is the first Im generating anything. I did file a dispute with XXXX but they are saying today XX/XX/XXXX the report is accurate and verified. How could it be when this is fraud and someone is using my information. 
I am requesting that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay. This is completely false and is fraud as this is not me. This is a violation of the FCRA & FDCPA therefore it must be deleted from my credit report.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The day after filing a report with the Consumer Financial Protection Bureau involving TransUnion, TransUnion has retaliated by placing something negative on my Transunion credit report. This morning XX/XX/2021 labeled a department of education account derogatory. The Department of Education and XXXX are duplicate or morphed accounts ; that no longer exist. I have attached printouts.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION (NC)

I sent in my background check from FirstAdvantage for XXXX XXXX, I put both of my charges ( XXXX  on XXXX, XXXX XXXX XXXX XXXX ) on my back ground but the only one that came back was my XXXX on XXXX charge was admitted and the background said I did not report my other charge and I did. I need it fixed now please.