davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AL)

Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Collection company is illegally reporting the " date opened '' incorrectly, per FCRA 623 ( a ) ( 5 ) ( A ). I have attempted to resolve this error MULTIPLE TIMES with the collection company via electronic dispute to no avail.
Consumer complaint received 2017-01-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My mortgage company ( USAA ) failed to pay my insurance company out of escrow. I spend days of attempting to get them to pay and eventually had to pay the insurance company myself and get reimbursed after the fact. This was in XXXX Florida in the days leading up to XXXX and caused my family intense emotional distress. I was eventually reimbursed for the additional money I paid in but only after about 50 hours of attempts to resolve the problem.
Consumer complaint received 2017-11-14
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)

Experian continues to display a dismissed bankruptcy on my credit file .The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law. 
Therefore, pursuant to section 1681 ( c ) ( 5 ) of the FCRA, it must be deleted from my credit file.
( SEE ATTACHED LETTER )
Consumer complaint received 2017-11-14
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

On my Equifax credit report one address that is on my credit belongs to my aunt. <P/>XXXX XXXX XXXX XXXX XXXX, PA XXXX That address belongs to my aunt DOB is showing XX/XX/XXXX My DOB is XX/XX/XXXX
Consumer complaint received 2024-01-26
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)

I disputed the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX And nothing happens. No deletions no responses nothing Then I submitted a complaint with you guys requesting items be deleted within four days or proof investigation showed they were mine which I know it couldnt have because they are not I submitted police report number identity theft report number etc and nothing happened accept XXXX got deleted off XXXX and XXXX XXXX and XXXX  got deleted off XXXX XXXX
Consumer complaint received 2021-02-07
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 in reference to recently closed complaint # XXXX. Transunion is in willful and negligent behavior. The complaint I sent in was for you to rectify your violations. You state you are reaching out to the to the data furnishers again. THIS WAS DON PREVIOUSLY AND THE RESULTS WERE THE ITEMS WERE FRAUDULENT AND BASE OFF THE DOCUMENTS I PROVIDED AND THESE ACCOUNTS WERE DELETED. TRANSUNION LET THE ACCOUNTS SHOW BACK UP UNDER A DIFFERENT CLASSIFICATION AS IF THIS IS SOMEHOW A DIFFERENT ACCOUNT. SO TRANSUNION LET A PREVIOUSLY DELETED ACCOUNT SHOW BACK UP WITHOUT NOTIFYING ME. THAT IS A VIOLATION THAT CAN BE EASILY PROVEN IN COURT ALONG WITH ALL THE OTHER DEFAMATION AND LIBEL CLAIMS. OBVIOUSLY TRANS UNION DID NOT LOOK AT THE DOCUMENTS SUBMITTED SHOW A PREVIOUS INVESTIGATION AND THE DELETION RESULTS. THIS IS TRANSUNION LAST TIME TO GO OVER THE SUBMITTED DOCUMENTS, THE COMPANY 'S REGISTERED AGENT BEEN NOTIFIED OF PENDING LAWSUIT. WITHOUT IMMEDIATE DELETION, LITIGATION WILL PROCEED. SO AGAIN MY CFPB COMPLAINT READS AS FOLLOWS My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XXXX XXXX, 2020, then again a second time via Certified Mail # XXXX signed and delivered on XXXX/XXXX/2020. This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent has been served with a notice of Legal Process.
Consumer complaint received 2017-11-14
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. (FL)

I recently sent a dispute into transuion asking the company to deleted unauthorized fraudulent inquiries. XXXX and XXXX have deleted these unauthorized fradualent inquiries, but transuion has n't. The inquiries are still associated on my transuion report. I have attached proof that that these inquiries were deleted from my XXXX credit report and no longer reports on my credit report. I formally request that the following unauthorized inquiries be immediately removed from my transuion report to show my true credit history, as these items should not be reflecting on my credit report.
Consumer complaint received 2017-11-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

My student loan principal amount is {$25000.00}. When I contacted Navient they sent me my loan application that says I applied for a loan of {$1200.00}. Now Navient is trying to collect over {$50000.00} from me on this loan. I have made payments and I believe the additional fees and interest they are charging me is usurious and incorrect. I do have a co-signor and this is completely unfair to both of us. What they are doing borders on criminal activity.
Consumer complaint received 2017-07-08
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. (OR)

It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.
Consumer complaint received 2017-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have had several on going issues with bank of America. My previous co plaint against them is still unresolved. They are consistent with having horrible customer service. When coming into the only branch in  XXXX    XXXX   there is always a hit or miss with a notary. The branch has only  XXXX  notary for the whole   XXXX   XXXX    XXXX  and if she 's not available you 're stuck going to another bank or notary service. I booked an appointment as I was instructed to do and it was cancelled because once again they had no notary. Furthermore I added an authorized user to my account and was told when I signed up for it they would be a user not a co owner now I am having to close the account just to get this person off my account. Bank of America  executive off ice someone by the name of  XXXX  has still not spoken to me directly about the previous complaint it 's a phone tag of him calling every few days and not setting a specific time to resolve the matter as I 've left voice messages requesting. Horrible bank that still wo n't honor disputed transactions.
Consumer complaint received 2021-09-08
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (FL)

I am XXXX XXXX, I am submitting this complaint myself. There is no third party involved. On XX/XX/2017 I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to 15 U.S. Code 1692e ( 2 ) ( A ), Pursuant to 15 U.S. Code 1692e ( 10 ), and Pursuant to 15 U.S. Code 1692a ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2021-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed from my credit.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.be removed from my credit.
Consumer complaint received 2017-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (LA)

I received an email from the Lending Club on XXXX XXXX, XXXX that my loan application was being denied due to inadequate income. The problem is I did not apply for a loan. This was a total surprise. I called this company on XXXX XXXX, XXXX and XXXX, XXXX. I currently have a loan opened in XXXX XXXX. I requested a copy of the loan application which they were unable to produce. The big 3 credit bureaus were contacted and have security freezes and fraud alerts on my accounts. The fraud unit of Lending Club sent a report I can fill out for law enforcement. The claim is I checked the loan rates on XXXX XXXX, XXXX which I did not. I live alone with my puppy. No one else has access to my computer. Since no proof could be furnished of loan rates being checked, other consumers should be aware of questionable practices of Lending Club. From what I have read online, this situation has happened to many people. If I had known how this company operates, I would not taken a loan from them.
Consumer complaint received 2017-07-08
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. (NM)

( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Rory W. Clark, APLC (CA)

I recently received a noticed from FarMar Law Group who is representing XXXX XXXX whose parent company is XXXX XXXX. The noticed states that I have a settlement against me and Im not sure why this is happening. 

In the early XXXX I received letters from XXXXXXXX XXXX  regarding an outstanding debt. I contacted XXXX via telephone asking them to mail me all the paperwork proving that I owed XXXX XXXX and the contract I had signed with XXXX XXXX regarding the debt owed. I never received any correspondence from XXXX on my request and now Im receiving this notice. I know that XXXX XXXX and its parent company XXXX XXXX is being sued by the CFPB because of its tactics.
Consumer complaint received 2017-11-14
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. (TX)

I have an account on my credit report that was deleted by Experian several months ago due to someone stealing my information and getting an apartment. I noticed last month that Experian has reinserted or re-reported this collection back onto my report as a new debt collection. 

I have sent a letter pressing them to remove it and no response yet. The letter was sent XXXX. I 'm trying to move forward with something and need to use my credit but because of this collection that is put on hold. 

Experian is a big company and I know I 'm just a number of them but I 'm hoping to shine some light into this and get the service I need. 

Thank you, XXXX
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ONLINE Information Services, Inc. (KY)

XXXX This number " XXXX XXXX '' Calls Every day. MANY times a day, trying to speak to a " XXXX XXXX '' no such person is here, or ever has been. 
Its a Credit card place of some sort wanting me to open accounts. 
I speak to them, tell them no such person is here and remove my number. they do not, and call EVERY DAY starting very early, around XXXX
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, XXXX XXXX  : XXXX # XXXX ; XXXX  # XXXX ; TransUnion # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Consumer complaint received 2021-09-08
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: FIRST NATIONAL BANK OF OMAHA (CA)

XXXX XXXX XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

I've been dealing with this for about three and a half years. I have sent emails and letters to both mortgage companies with no resolution. My mortgage got transferred from XXXX XXXX to Select Portfolio Servicing.  There was a deferred principal balance of {$26000.00} that was canceled from XXXX XXXX. I have the letter regarding the cancellation. XXXX XXXX will not answer Select Portfolios messages I've sent messages and they will not answer mine either. Neither mortgage company is being helpful. I want this amount removed from my file at select portfolio services. it should not be on my balance at all not even under deferred principle. XXXX XXXX will not respond to select Portfolio services. And select portfolio services refuse to take that amount off of my mortgage. I don't know what I'm supposed to do now. If you need a copy of all of the correspondence and the letter I would be happy to send it to you.
Consumer complaint received 2020-10-20
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: Paramount Recovery Systems, L.P. (LA)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.