davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

After reviewing my credit report, I have found inaccurate information listed as credit card debt in the amount of {$16000.00}. This letter is a formal request for you to remove the incorrect information in accordance with my rights under the Fair Credit Reporting Act. 

According to my records, I do not owe any debts to XXXX or Radius Global Solutions as of today, XX/XX/2020. I have contacted both companies per the addresses provided by their agents, and I have received verification from XXXX  confirming that no such account exists. Furthermore, I have contacted their agents at Radius Global Solutions ; though no debt has been identified, proven, or otherwise shown to have validity, they have continued to ignore federal law and negatively impact my credit report. I have enclosed copies of the letter sent to XXXX XXXX dated XX/XX/2020 XXXX, and their response confirming that no such account exists XXXX dated XX/XX/2020 XXXX, as well as the letter and signed delivery receipt sent to Radius Global Solutions, dated XX/XX/2020, and XX/XX/2020, respectively thirty days ago. In fact, though I was not required to do so, I re-sent the verification request, which was again signed for by a Radius agent on XX/XX/2020, and I am attaching that receipt, as well. Nothing has been provided by Radius in accordance with the Fair Debt Collection Practices Act, and this debt is unverified and invalid. 

I am requesting that you remove the debt from my credit report immediately pursuant to applicable federal laws. It is important that my credit report be corrected as soon as possible. 

Thank you for your quick attention to this matter. I can be reached at XXXX or at XXXX XXXX XXXX XXXX if you require any further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (TX)

I am challenging an account that XXXX, Equifax, and XXXX are reporting on my credit report. They are reporting XXXX late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.
Consumer complaint received 2020-09-20
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: PENTAGON FEDERAL CREDIT UNION (IN)

ON OR BEFORE XX/XX/2020 I USED MY CHECKING ACCT ENDING IN:XXXX, AND BOUGHT ME A 2015 XXXX XXXX XXXX ( BLACK & RED ). WITH MY MEMBERSHIP # XXXX MY COST WAS BEAUTIFUL, XXXX DEALER NAME WAS XXXX NICE FELLOW ( XXXX MAN ) AND I NEVER SPOKE WITH HIM AGAIN.PENTAGON FEDERAL CREDIT UNION HAS DISCRIMMINATED AGAINST ME THEY SENT MY RETIREMENT DISABILITY INSURANCE BACK TO THE SOCIAL SECURITY ADMINISTRATION, ( 2 )  WITHOUT TELLING ME AND I OPENED UP THIS ACCOUNT ON:XX/XX/2020 AND SOCIAL SECURITY JUST RECIEVED MY RETURED CHECKS. AND I HAVE A BILL OF SALE
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Monday XX/XX/XXXX morning, I discovered through Capital One email that there were a series of fraudulent ATM withdrawals totaling {$2100.00} using my ATM debit card. 

After calling Capital One to report the fraudulent activity, I discovered that the suspect had intercepted and used a card that was shipped to my residence address. The suspect activated this renewed debit card using my identity, reset the PIN number, and withdrew the funds from my checking account. 

The claim number is XXXX I immediately reported the 6 withdrawals and 2 fraudulent check deposit all as fraudulent activity.  On Friday XX/XX/XXXX, an investigator from Capital One called me at XXXX XXXX. He soon decided that I had an " involvement '' in this, based on the assumption that I disclosed the PIN number of the ATM debit card to this suspect. I strongly denied this, but the investigator proceeded to tell me that my claims will be denied, my funds will not be covered, and Capital One will proceed to terminate the service relationship with me. I lost all online access to Capital One banking soon after. 

On XX/XX/XXXX Sunday, after I visited local police precinct, I was told to ask for an affidavit from the bank. I called Capital One to ask for an affidavit of this event. 

On XX/XX/XXXX, I called Capital One again, and I was told that the dispute is closed ( from here, I took a written notes of Capital One 's agent 's description, and I quote verbatim ). I was told that " the case  was elevated, but was denied and there is no longer further recourse ''. 

On XX/XX/XXXX, I filed FTC Identity Theft Report, describing the incident and my personal financial loss, all truthfully under penalty of perjury. 

On XX/XX/XXXX, I received a physical letter from Capital One, stating that they deny my claim. The only reason stated on this letter was stated, " We finished looking into your claim and didn't find that an error happened ''. 

OnXX/XX/XXXX, I went to local police precinct again. I showed my FTC report as well a 
s Capital One 's denial of claim letter. Again I was told that they can not accept my case because Capital One didn't find any crime had occurred. I am at total loss because Capital One would not cover my la
rge financial loss, at the same time my local police would not start any investigation into this identity theft crime. It is incredibly frustrating that despite all the time and location of the fraudulent ATM transactions recorded, none of the parties involved would look into this case, and I am left with a large damaging financial loss.
Consumer complaint received 2018-09-19
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. (TX)

I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING
Consumer complaint received 2023-01-31
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc. (LA)

Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$260.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH AcXXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2023-02-23
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. (NY)

I am writing to complain about the inaccurate account information that was reported on my credit report. This inaccurate information has violated my privacy rights and my right to confidentiality as stated by the Fair Credit Reporting Act. 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 XXXX : XXXX, XXXX XXXXXXXX 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 ) the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date. 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 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I have been trying to get Select Portfolio Servicing inc to remove my PMI for years and they wont. They told me I had a late payment in XXXX when I did not. I accepted the federal forbearance program that they offered me because I was affected by XXXX. I went on a three month forbearance for which I paid off early. They are trying to say that I was late on my payments because I was on the approved forbearance program. This is ridiculous as I follow the contract to the letter of the law. I was never late and Ive made all my payments on time. I have more than enough equity to qualify to have my PMI removed. After further investigation with the XXXX XXXX XXXX I have noticed that this company pulls a scam with many of their clients. This company needs to be held accountable for all of their fraudulent acts.
Consumer complaint received 2022-08-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-29
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: Bread Financial Holdings, Inc. (NY)

Comenity Bank/Lane Bryant has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, Comenity Bank/Lane Bryant has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.
Consumer complaint received 2022-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-10-21
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. (GA)

My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I contacted XXXX, to dispute that Capital One, is being reported incorrectly, but on XX/XX/XXXX, XXXX, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a XXXX ( {$110.00} ) filing fee from a fruitless lawsuit Capital One, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX County Municipal Court, which was later dismissed at Capital One 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with Capital One 's Attorney, and Capital One, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from Capital One, and report from XXXX  ( uploaded as " untitled '' ), as well communications with Capital One, in regard to this error. There should be no doubt that this error is being overlooked, Capital One is providing false information, and XXXX, has material evidence.
Consumer complaint received 2017-08-07
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. (NJ)

I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

The home in question was purchased in XX/XX/XXXX - the original loan was serviced by XXXX XXXX XXXX XXXX - there were 2 loans that XXXX was holding. XXXX put a lien on the property for both the first and second mortgage. When XXXX closed - the loans were transferred to XXXX XXXX. We were notified that the 1st mortgage would be cancelled and the second mortgage funds had to be paid and the mortgage company ( XXXX ) also told us that they will stop paying the insurance and the taxes on the home. Subsequently - the XXXX XXXX company also closed - and 1 loan was transferred to Ocwen - this would be the 2nd mortgage that was transferred over to Ocwen and the amount was paid in full. However the 1st mortgage, that was cancelled, was never removed as a Lien on the Property. We were informed that Ocwen took over for the XXXX XXXX XXXX and that they would be the holder of the loans now. We have requested Ocwen to verify the cancellation of the first mortgage and requested that Lien on the property be removed. Ocwen 's more recent reply on XX/XX/XXXX - that they have no information on the 1st mortgage and can not verify the existence of the 1st mortgage and they do not have a point of contact for XXXX to confirm the same. Please advise on what to do to resolve the issue of removing the lien from the property.
Consumer complaint received 2020-05-06
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 (TX)

I was offered a job and was given a fraudulent check to be deposited in Bank of America from the company. The company scammed me because there was no job and bank of america said that they were going to protect me as a customer in case the check was fraud. Why would they allow a fake check to be deposited? They verified the check was good and allowed me to withdraw the money. I filed a police report a while back. Bank of America has the audacity to given me 60 charge offs! & has ruined my credit, I need this account to stop being reported to the 3 major credit bureaus, XXXX, XXXX, and XXXX. I will be filing a complaint with XXXX, CFPB, FTC and any other company that will accept complaints! This is unacceptable, I'm giving Bank of America the chance to do the right thing, to close out the account completely and stop reporting this on my credit. I not I will file the complaints and take this as far as it needs to go to get removed from my credit reports. I am sending a letter and letting you guys know that I want this to come off ASAP. please stop reporting to the credit bureaus. I will be waiting on their response.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CULLEN/FROST BANKERS, INC. (TX)

Frost Bank continues to incorrectly list a deposit account that is overdrawn on my personal credit report XXXX file attached ). They also list the account as an loan with monthly payments. This seems to be a dirty trick to try to get me to pay a debt I have already disputed.