davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX and XXXX XXXX ( fake XXXX ) ( the Fraudsters or Company ) operating under the domains XXXX XXXX, which involved me making deposits for a total amount of USD XXXX from my SECU account to fraudulent investment firm ( s ).
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (CA)

The companies response is that I hired a credit repair company. I sent in the FTC reports andXX/XX/XXXX data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XX/XX/XXXX data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XX/XX/XXXX data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2021-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc. (NY)

In XX/XX/ I made a payment arrangement for {$55.00} after telling the representative at ACSI ( XXXX ) I could not pay at this time. 
While she tried to be helpful we came to an agreement that was for that amount and to call back in XXXX to continue that arrangement. 

The story changed in XXXX when I spoke to her and I was told my account would be sold to another agency, that I could now only pay over {$100.00} because I had agreed to pay the remaining large amount. That amount being over {$500.00} for a cell phone issue that was not even supposed to be reported to them yet. I already know that collections tell you things to get the money but I was so misinformed about the hardship ending in XXXX in the way she relayed the story. 

I promptly returned that call assuming we would continue that said {$55.00}, During covid and hardship troubles I was NOT told to my remembrance that the hardship was ONLY for 3 months! This was very troubling to now hear this. 

As her and her supervisor did not offer that option they were adamant they mentioned I could not have another hardship and they would not even look into it. It took me so much time to even get her supervisor as she aggressively would not transfer me. They both lacked empathy, used very aggressive voices and continuously spoke over me repeating the same price they now said I needed to pay. While I truly want to make payments I was baffled by their aggression over my account! They were far from kind. 

I was then told they were reporting me to the credit bureau and they would write refusal to PAY! 

This was a horrendous experience and I was so happy with my budget to get the arrangement.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IN)

I was contacted by AFNI in early XXXX referencing a credit report entry from XX/XX/XXXX suggesting that I owed {$540.00}. I responded by sending a letter dated XX/XX/XXXX requesting to settle the debt. I requested that I received correspondence with 15 days of the offer to settle otherwise I would require a full verification of debt from the collection company. I did not receive a verification of debt at all. XX/XX/XXXX, I received a letter from AFNI stating that it was not handling the account and the entry on my credit report would be removed. I found that the collection was no longer on my credit report. A day or two later I received a letter from XXXX XXXX XXXX XXXX stating that the same account number was placed with them for collection and if I fail to pay the obligation a negative credit report may be submitted which feels very threatening. The letter also stated that I can dispute/ ask for verification but I could be sent a copy of a judgement or a verification. I will send the dispute regardless but the fact that I never received a verification from the first collection company doesn't give me evidence that I'll receive verification from the second one.
Consumer complaint received 2020-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

XX/XX/XXXX Navient pursued me to refinance my current loans with them in order to receive better loan services. They stated that this would not effect my ability to ask for the public service loan forgiveness program. As the years passed I inquired about how many payments have qualified for this program and began working with the XXXX  XXXX XXXX  agency as of XX/XX/XXXX. The XXXX  XXXX XXXX  agency stated that none of my payments would qualify before XX/XX/XXXX due to Navient putting me in the wrong repayment program. I have thirteen years of public services and had over 120 payments but due to Navient 's lack of ethic they placed me in the wrong program and now I do not benefit from the payments I made. I am asking for the payments before XXXX to be counted in my total of 120 payments to attempt to qualify for the public loan forgiveness program which I have already been accepted due to my job and service. I am just wanting the payments to qualify that i have already made.
Consumer complaint received 2020-07-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

i have been in XXXX for over five years i came out and started to receive collection notices from different companies i filled a police report and sent it in with my dispute info to all 3 credit agency they all did what they were supposed to do except for XXXX XXXX they refused to remove the hard inquiry that were on my file some as recent as today i sent them the police report i filled with all fraudulent account numbers and all fraudulent inquiry they removed the actual accounts but not the inquiries this makes no sense they were all listed in my police report with dates and all they did not give me a reason why when i call them i have to speak to one person whom is in charge of my file and he speaks no English i cant understand him i kindly have asked him many times to transfer me to a different operator that i can understand and they refuse i have written by hand to 19 companies with a copy of police report attached showing this is all done in identity theft and sent them a police they have yet to respond these are all the inquiry that are fraudulent and done by id theft as stated with dates in my police report the only one that was not stated was the one with XXXX done today because i XXXX  received the police report back these are all fraudulent i never authorized any of these inquiry nor did i receive any goods and or services XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry  from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TN)

US Bank has refused to refund monies that they put into an escrow account for insurance on the property, and I provided documentation stating that I had been paying a private company for insurance. They had my address incorrect for the time in which they have charged me for insurance ; they also moved their company so insurance company could not fax them correct information. I have tried numerous times to get this resolved ; however they will not budge. My local banker has spent HOURS on the phone with them, trying to resolve this for me ; and everyone he spoke with agreed that the money should be refunded.
Consumer complaint received 2021-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (IN)

In XXXX of 2020 a collection agency by the name of National Credit Adjusters aka NCA was inserted into my credit file without giving notice of the insertion or right to dispute. I initiated a dispute with the company with letter dated XX/XX/2020 which arrived at destination XX/XX/2020 and the account has not been marked as being in dispute via my XXXX, XXXX, or XXXX  credit file. My dispute reason is the validity of the amount they are attempting to collect with supporting documentation bearing my signature that I owe them {$520.00}. I must receive documentation bearing my signature verifying the debt or immediately remove this record from all credit files.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexisNexis is violating my right to privacy according to 15 USC 1681 ( a ) ( 4 ) and has had no permissible purpose to STEAL MY IDENTITY according to 15 USC 1681b ( a ) ( 2 ) they have caused me a ton of distress with seeking employment and financing in these hard times. They are causing me to lose sleep and not advance in life. I need help! As a 3rd party data furnisher I did not give them permission to use my identity for their financial gain!
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

Yes, I hired Lexington Law to repair my credit, but unfortunately they falsely sent Some letters that I didnt authorize. I informed Lexington Law On XX/XX/2020 that theyre terminated due to unethical and deceptive practices in writing. I emailed them and I messaged LexingtonLaw on XXXX. No, there hasnt been any type of response or reply from LexingtonLaw. Ill be informing ALL three credit bureaus that if a letter was sent with my name on it to just ignore it. If any letter that was sent to the credit bureaus doesnt have my written signature and notarized, then the letter sent was and isnt officially from me. If I send any type of letters to the credit bureaus, then it will be in writing and it will have my notarized signature on it and Ill have a copy of me signing it on video. Also, I informed to LexingtonLaw that I dont authorize them to conduct a background or credit check from this day forward due to their deceptive practices pertaining to my credit repair case. LexingtonLaw sent letters without my written consent.
Consumer complaint received 2020-12-08
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: Volunteer Mortgage Loan Servicing (TN)

I was in bankruptcy around XX/XX/XXXX. My mortgage was placed in my bankruptcy on XX/XX/XXXX. Money was withdrawn from my check to pay my mortgage due to Volunteer wanting to include it in my bankruptcy for the trial period. I PAID MY MORTGAGE EVERY MONTH FROM THAT DATE THROUGH BANKRUPTCY UNTIL XX/XX/XXXX. I WAS ABLE TO TAKE UP MY OWN MORTGAGE AFTER THE TRIAL PERIOD FOR THE Reaffirmation Agreement. So my credit should not reflect a none payment for all of the months!! I was told that I needed to dispute the report through the credit agency however you all are still reported non payments. I have a total of 14 none payments when it should be 3.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp (CA)

I was contacted by Equitable Acceptance through United States Postal Services. Equitable Acceptance informed me that they can help me get my loan forgiven in which it would cost {$150.00} to start the paper work. My monthly payments started with them on XX/XX/XXXX at that time I was not informed that I would be paying interest on my account repayment. I attempted to contact Equitable Acceptance on XX/XX/XXXX to inform them that my bank account information has been changed and to provide them with current account number. I could not contact them untilXX/XX/XXXXeven after leaving a voicemail they never followed up with me. I was told today, " That I could not request to have services cancelled because I signed an agreement which would eventually affect my credit because they reported it to the Credit Bureau. The representative told me I am obligated to pay them these fees when I feel there is no service being rendered. He told me, " That Student Advocates had consilated the loan and to contact them. '' I then contacted Student Advocates who informed me that yes they did reconsolidate my loan and for me to contact XXXX to verify that they indeed took over the loan. So I contacted XXXX next to follow up on my student loan. XXXX then reviewed my account and informed me that there had been no recent consolidations on my loan other than back in XX/XX/XXXX. I was also told by XXXX  " That the services Equitable Acceptance are charging me for are free of charge through fed loan. They told me to contact my bank with concerns to avoid future monthly charges out of my account. I paid Equitable Acceptance {$150.00} to start paperwork and {$49.00} a month of which {$19.00} of that payment is towards interest and I was not informed of that prior to signing any kind of agreement. I do not want them to affect my credit please help me find a solution. Equitable Acceptance told me that they could not email, scan or fax over a copy of the agreement I signed for me to review. I was told they can only mail it out. I am waiting to receive agreement so that I can forward it over to Consumer Complaints.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Advanced Collection Bureau INC XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/21 Acct # XXXX Re : CEASE and DESIST To Whom It May Concern, I am the original creditor, consumer, and natural person XXXX XXXX XXXX. ADVANCED COLLECTION BUREAU INC has damaged my name and reputation. Your corporation has displayed offensive acts towards me as a consumer and such unauthorized use that didnt serve me any benefit.

You violated my right to privacy 15 USC 1681b. You also violated 15 USC 1692c ( C ) and lastly youre currently in violation of 15 USC 1692e, false representation. 
Pursuant to 15 USC 1692c ( C ), I am notifying you and demanding that you cease all communication with me through all mediums UNLESS your corporation is describing to me the direction of which you intend to send my remedy back to me.

Pursuant to 15 USC 1692c ( C ) 2- I am invoking my specified remedy as the original creditor and federally protected consumer, I am demanding the following : 1. Deletion of this account from all my consumer reports and to stop reporting illegal activity on my files.

2. Refunding my credit in the amount of {$3500.00} as per 15 USC 1635, I have the right of rescission and shall receive all money involved in the form of a check, to the address in this letter. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (OR)

I received a letter in the mail ( date XX/XX/2021 ) from XXXX XXXX XXXX XXXX ( XXXX ), saying that I owed a debt to PayPal and they are collecting on that debt. 

I do not owe any money to PayPal. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching XXXX a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I created PayPal account and I was permanently limited for no apparent reason. I haven't done anything. They just permanently limited me right upon signing up. I don't know why this happened but this is very suspicious. I hope this is not racially motivated.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I left for California, leaving behind my XXXX XXXX debit card. On XX/XX/XXXX I saw that more than {$5000.00} were missing from my account so I called the bank and reported it. My card was still at home while I was away on a business trip. The transactions date back to the XXXX XXXX XXXXXXXX. However the bank denied any errors and I issued a rebuttal. I filed police report # XXXX on XX/XX/XXXX. Most of the money stolen was deposited into my account from XXXX for my tuition. Ever since then the bank hasnt resolved anything.