davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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: Westlake Services, LLC (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 XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

14. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

15. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

18. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

19. Identity Theft WESTLAKE PM Account Number : 1135**** This is not mine.

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

21. Identity Theft Account Number : XXXX  This is not mine.

22. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

23. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

26. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

27. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

28. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

29. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

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 / {$370.00} / XX/XX/2022
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/21 I was charged for {$63.00} that I did not recognize. The transaction date of the charge was XX/XX/21. I called Bank of America for information. They said they would credit my account. Credit for {$63.00} was received on XX/XX/21. I later recognized the charge and called Bank of America to advise it was valid and they should reverse the credit. They debited my account for {$63.00} on XX/XX/21. At this point everything was resolved. 
Bank of America debited my account for {$63.00} a second time on XX/XX/21. I noticed the charge and called on XX/XX/21 to request credit for the duplicate debit but was advised there was no one there to help me and I would need to call back the next day. I called again on XXXX. The representative who answered transferred me to another department as she could not help me. The second representative said I was transferred to the wrong department. I had already been on hold for over an hour and requested a manager. She advised that no mangers were available and I would receive a manager callback within XXXX hours. 
XXXX hours later I called Bank of America again, this was on XX/XX/21. I spoke to XXXX. She requested home & cell phones numbers, I gave her both. She requested them again. I repeated. She said I will send you a text, I asked her to wait on moment while I turned the cell phone on. I told her it was powered on and she said never mind, she would call my home number. I said when? She said immediately. I told her if she did not call I would file a complaint as I have already spent over XXXX hours on hold. She never called but I did receive a text from Bank of America. But since she never bothered to call me the text code was useless. I want credit for {$63.00}.
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 / {$370.00} / XX/XX/2022
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX, Dept of Education continue to report and include INTEREST on my federal student loans. I have continuously tried to file disputes but XXXX  keeps accepting this information as accurate. Since COVID, until XX/XX/2021 they are not supposed to charge interest on student loans but they have and they have added it to my credit report, which I have disputed with no resolve. From the federal student aid website : Coronavirus and Forbearance Info for Students, Borrowers, and Parents At the U.S. Department of Education ( ED ) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency.

COVID-19 Emergency Relief Flexibilities Extended Through at Least XXXX XXXX, 2021 The COVID-19 emergency relief flexibilities include but arent limited to the following relief measures for ED-owned federal student loans : a suspension of loan payments a 0 % interest rate stopped collections on defaulted loans
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. 

Because I paid off the loan and closed the account Transunion lowered my credit score by 41 points and the rating to fair. XXXX lowered my credit score by 39 points. 

As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. 

I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. 

This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. 

I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

National Credit System is debt collection agency ; I received a call in XX/XX/XXXX from National Credit System stating I owed a debt. I immediately asked the representative on the phone call to verify my social security number, the representative said " no '' and hung up the phone. A few weeks to a month later I received an alert through my credit monitoring system that a company was searching for my social security number on the world wide web. I never heard anything else from National Credit system again until XXXX. They never called nor attempted to send correspondence in the mail regarding the debt they originally called me about in XXXX of XXXX. Two months later National credit system violated my consumer rights by placing a debt on my consumer profile without validation or Permissible purposes under 15 U.S code 1681b and no consent or validation is considered identity theft. I XXXX XXXX have sent letters requesting debt validation since XXXX, National Credit system failed to reply and proceeded to report to other credit bureaus agencies. Recently, I received the very first correspondence ever from National Credit system stating I the consumer has failed to validate the debt doesn't belong to me and attached misleading documents to the letter, stating I have a judgment against me and they represent the original creditor. The judgement doesn't equal the sum of the payment they're requesting and further more it was included in my bankruptcy file. National Credit system have violated so many of rights as a consumer, they are ruining my reputation by placing inaccurate information on my credit report and they need to be stop.
Consumer complaint received 2021-12-02
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. (PA)

On XX/XX/2021 I sent a letter to Transunion requesting that the information from a prior investigation. I gave Transunion 30 days to respond with the documents that they " verified '' these debts with. On XX/XX/2021 I received a response back saying they will not dispute the items again. They never sent the documents that I asked for that were used to verify these accounts from the first attempt. They only sent a letter saying they were verified. By law I am entitled to receive these documents proving the debt is mines. This dispute is my second attempt in writing requesting the documents over XXXX months and they have been giving me a hard time.
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I had 2 credit cards with capital one and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with capital one and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.
Consumer complaint received 2022-04-07
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: Home Loan Center, Inc. (AK)

XXXX - LENDING TREE every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. 
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. Lending Tree is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-12-02
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I was appointed by the XXXX XXXX court to be my deceased father 's personal representative for his estate. Despite having presented Huntington Bank with the documentation from the court, including the court order to release my father 's bank accounts, they have not complied with the order or communicate with me regarding this case. 
I visited the bank twice in XXXX. I was told by the bank manager that the case had been referred to their legal department. During the second visit and email, the bank manager told me that he was no longer authorized to discuss the matter with me and that the legal department would be working with me. As of the filing of this complaint, nobody from Huntington has communicated with me. 

Brief Timeline Follows : XXXX XXXX XXXX XXXX father ) dies. As per law his assets go into probate until a personal representative can be appointed. 

XXXX XXXX XXXX XXXX appointed as personal representative via court order. 

XXXX XXXX XXXX XXXX visits Huntington bank as well as contacts bank manager via email. XXXX presents court order appointing him as personal representative and authorizing bank to release funds from father 's bank accounts. Bank manager reminds me that he's not authorized to discuss the matter and that their legal department would be " handling it ''. 

XXXX XXXXAfter continued silence from Huntington, I filed a complaint with the Attorney General 's Office . AG 's office sends a letter to Huntington giving them 10 days to respond to them and me with a proposed resolution. 

XXXX XXXXFunds remain inaccessible to me or XXXX XXXX-brother who held joint account with father. 

Currently awaiting a response from Huntington Bank.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

Hello n how r u? Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Again, Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Regarding Disputed Credit item XXXX XXXXXXXX XXXX Date Opened XX/XX/2021. 

Dear TransUnion LLC,. 
I do not recognize or acknowledge the following items listed on my credit file : XXXX XXXXXXXX XXXX LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : XXXX XXXXXXXX XXXX  Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # XXXX
Consumer complaint received 2021-05-26
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. (FL)

Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2021-05-26
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: AFNI INC. (LA)

XXXX failed to provide proper validation as an itemized bill does not constitute validation. This debt is alleged to be believed not to be mine because the name on this bill shows as XXXX XXXX and my only name is XXXX XXXX if they had properly validated this account they would have known that they names did not match and this account does not belong to me.
Consumer complaint received 2024-02-04
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. (CA)

This is todays follow up to complaints : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Please find the attached " Identity Theft. Recovery Plan '' published by the FTC which on page four clearly states " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. IF YOU HAVE AN IDENTITY THEFT REPORT, CREDIT BUREAUS MUST HONOR YOUR REQUEST TO BLOCK FRAUDULENT INFORMATION. '' This statement makes it clear how the FTC and its sister agency, the CFPB have interpreted the FCRA as it pertains to Experian 's obligations for block requests submitted by a consumer. In the present matter, Experian has repeatedly been provided copies of an Identity Theft Report as well as documents to verify my identity, yet for nearly 4 months Experian has ignored its obligation to block the reported information, which it had 4 business days to do.