davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I recently noticed a reporting error placed on my credit report from a company that I have never heard of. Midland credit is knowingly and willingly committing fraud, I have never done business with them, nor have I ever agreed to any contract with them. This file does not belong to me. On XXXX XXXX I sent this company a notice to Cease and Desist Pursuant to my rights 15 USC 1692 ( c ) this includes calls, emails, social media or any consumer reporting agency. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (CA)

The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called Experian and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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
Consumer complaint received 2022-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I put a stop payment on a checking account ending # XXXX. Truist bank been trying to pull my mortgage through the wrong account and overdrafting my account. They end up sending the money back to me XXXX. I transferred that money to the correct checking acct ending in # XXXX through my bank XXXX. I called truist and made a payment which got pulled XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX. Truist notifies me they never got my XXXX XXXX and started hitting my credit and account with late fees. I called Truist for them to investigate and XXXX way in my bank on the phone call to talk to the Truist representive. XXXX faxed documents to Truist and representative made a complaint which nobody followed up. I called in XXXX to make my payment the rep urged me to make my payment and promised to put it on hold until the investigation was over and they back drafted my account. That never happened. Truist applied that payment to XXXX now nobody is investigating the blatant stealing from my Account and never fixed the issue in XXXX so that Truist can be accountable for the several errors on their part. I sent documention and waited XXXX months for a investigation into this matter. I need help please look into this shady matter. I know you if you look into this you will find a big company taking advantage of a customer.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and Transunion but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. Transunion reported twice the inquiry.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my wife also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxed jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I filed a police report for identity theft on XX/XX/XXXX. Someone used my identity to rent an apartment and has a debt for {$15000.00} unpaid. I found that by viewing my credit report and found a collection there which didn't belong to me. So I called the collection company and they asked me to call the XXXX XXXX XXXX XXXX XXXX. I called them and get the information below. Then I sent them the affidavit for they requested and ask them the send me the leasing agreement of this debt. They did that and I found they don't even have my signature on it. I have attached the leasing agreement below as the supporting doc. 

Original debtor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) Debt collection company : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX ) XXXX XXXX XXXX  XXXX XXXX ( XXXX, account number : XXXX ) Lease contract starts : XX/XX/XXXX Eviction filed : XX/XX/XXXX
Consumer complaint received 2019-08-14
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. (WI)

Equifax currently has two credit files for me. Both file are mine with social security, number DOB, Name address. I have asked them to merge files and they refuse. This is a on going issue for the last three years. This occurred after the data breech they had.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XXXX  I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!
Consumer complaint received 2020-09-07
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)

XX/XX/2020 they received and acknowledged my dispute to Experian, XXXX, & XXXX and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections
Consumer complaint received 2022-04-27
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. (MO)

The credit companies, XXXX and Experian are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXXXXXX XXXX XXXX this from XXXX XXXX
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

1. I have requested an ID number & North Carolina Department of Insurance permit number from Credit Acceptance, they have not responded to date. 
2. On all of my statements from Credit Acceptance, I CAN NOT find a permit number referencing Credit Acceptance authorization to collect in North Carolina.

3. Referencing attachment, I certified mailed a letter dated XX/XX/2018 requesting that Credit Acceptance furnish me information about the vehicle. I have not received a response to date. Under the FDCPA & FCRA, all creditors MUST respond within 30 days. The letter was delivered and accepted certified mail by a XXXX XXXX on XX/XX/2018. I have not to date received a response which is a violation under federal laws.
Consumer complaint received 2022-04-27
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. (GA)

I believe the reporting credit bureaus are in violation XXXX XXXX And TransUnion stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX -Chapter XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (FL)

Trying to collect an erroneous debt from XXXX XXXX. In XX/XX/XXXX, I had service from XXXX  for a whole three days. The service was terrible so I called and cancelled also returning all equipment. A month or so later, I start to receive calls from Sequium stating I owe {$120.00}. Told them repeatedly that there is no debt and I had cancelled the service within XXXX 30-day satisfaction guarantee policy. XXXX  even told me that my account was cleared and closed.
Consumer complaint received 2021-05-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CO)

A debt buyer named Vance Huffman reported on my credit for XXXX XXXX XXXX. Stated account was opened XX/XX/XXXX. XXXX Never had a payday loan with XXXX XXXX XXXX. I haven't cashed a check there since XXXX. I received nothing in writing. There is no contract. I've been incarcerated since XXXX in Colorado. Company refuses to verify.
Consumer complaint received 2023-01-19
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.
Consumer complaint received 2023-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capitol one and XXXX XXXX calling me on a conference call asking me why I removed a payment that I paid for my landlord and I told them that XXXX told me the service was not coneccted then I was told that my social security number was found on the dark web and then that weekend at the beginning of last year droped XXXX pints runing my credit also my bank card pin was the numbers that he got from walmart and I would have to tell you what they were on the phone or somthing and other suspicious numbers that I have noticed plaese help I am about to loose my business
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I am on a joint car loan with my Dad, since XXXX. My Dad is the BECU member, I am not. At the end of XXXX my Dad filed bankruptcy and since then the loan is now listed as Account Relationship Terminated and even though I am still making payments to the loan and they are being accepted, these payments are not being reported. We both went into a BECU office back in XX/XX/XXXX to see why my payments are not being reported to my credit history, and they said they would call us back with more information. They never called back and they still are not reporting that I am making payments. I dont understand why my father declaring bankruptcy has affected the loan in this way when I am the one making the payments on it. BECU has not been helpful in resolving this situation AT ALL. All I want is for them to give me credit for paying this loan off.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX  XXXX  is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (AR)

Hi Good evening, my name is XXXX XXXX and I'm having issue with ( Binance.US ) I have a account with Binance.US for a long time and ever since then I have never break any of there rules and just last week ( XXXX, XXXX ) I added a funds from my XXXX  account in my name to my Binance.US account via ACH transfer and was successfully and the money got into my binance and I uses it to purchase a XXXX ASSET. Then and again about XXXX ago I try another {$700.00} ACH from my XXXX to Binance.US and I think XXXX reject that transaction thinking someone might be using my account without my consent and I think the ach was rejected by my bank and charges back occur with Binance.US and they locked me out of my account and I try to get a hold of customer service representative and they told me I need to make a selfie video of myself holding my driver 's license and also to recites some words that I made the transfer and all activities on my binance which I did just what they want and uploaded the video to them and also which I confirmed my location of login and the phone and XXXX XXXX  laptop I login with in the past 3 months, Just this morning after all this, they get back to me and tell me they will not allow me to uses the Binance.US services anymore and they won't be able to disclosed the reasons why and I'm having a sum of {$4900.00} on my account and now they are not replying me anymore and I'm thinking they wanted to play smart on me and stoled my funds because I'm yet to understand why they will denied me access to my assets even after providing the information they want. Please I need help because that money is my savings and now Binance.US wanted to rob me... Please help me. Thank you.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

On XX/XX/2022 I received a notification from XXXX that Radius Global Solutions for Consumers Energy for an address of XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. The CSR at Radius Global Solutions informed me that the last 4 of my SS # matched, but the date of birth was my ex-wifes date of birth. Neither me, nor my ex-wife have ever lived in XXXX XXXX, let alone that address. This is the result of ID theft, and it needs to be removed from my credit reports at once. It is bringing down my score by over XXXX points, and I have perfect credit.