davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 the identity theft. 

This debt is not mine and I was given no evidence of this being valid. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

After complaining this company has destroyed my credit by reporting fraudulent debt and as a direct result my ability to gain employment and healthy credit has been destroyed ; they have began reporting this fraudulent debt every week and or biweekly knowing the debt is NOT mine. They continue to re-age the debt. The original creditors agreed to remove this debt due to identity thief over ten years ago but sold it after charging it off. This is NOT my debt. Please see proof of their tactics used to destroy my credit my score has dropped 80 points as a direct result of this fraudulent reporting.
Consumer complaint received 2017-08-20
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. (NY)

I currently have 19 credit inquiries that was an authorized reporting to my credit report please have them removed immediately from my credit report XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Home Furnishing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to file a complaint against Experian. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Consumer complaint received 2017-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VT)

I am a borrower with subsidized and unsubsidized federal student loans. I use the platform Nelnet with the auto debit service they offer called XXXX. They make the auto debit service attractive by offering 0.25 % deduction interest if you sign up. Little do they tell you that they pay off the lower interest loans before the higher interest loans. So, in reality, it costs more for the borrower to use the auto debt service, and they put the interest of making money before their borrowers. This is very disappointing for a federal loan program. I would expect more from our government.
Consumer complaint received 2017-08-20
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. (ND)

I am a victim of identity theft. I have a fraudulent and unauthorized XXXX credit card account listed on my XXXX XXXX, XXXX and Experian credit report. The XXXX credit card account ending in : XXXX with a balance of {$6000.00} is fraudulent and unauthorized. The account do not belong to me. I did not apply for the XXXX credit card account ending in : XXXX. I have never applied for a XXXX credit card account.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My score dropped 53 points because I paid down on an account. I thought the idea was to have low debt in order to achieve a higher score. I feel this is wrong.
Consumer complaint received 2017-08-20
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. (TX)

I AM AWARE THAT TRANSUNION HAD A GLITCH IN THERE SYSTEM IN THE SUMMER OF XX/XX/XXXX AND AGAIN IN EARLY XX/XX/XXXX. I HAVE CONTACTED TRANSUNION AND SENT LETTERS ABOUT INQUIRIES THATS LISTED ON MY CREDIT REPORT THAT I DO NOT RECONIZE. THE INQUIRES WERE DELETED FROM THE CREDIT REPORT THEN LATER TRANSUNION ADDED THEM ALL BACK ONTO MY CREDIT WITHOUT GIVING ME LEGALLY REQUIRED WRITTEN NOTICE 5 DAYS PRIOR TO THE READDING THEM. I HAVE CONTACTED TRANSUNION IN GOOD FAITH TO HAVE THE INQUIRES AND NO LUCK I KNOW MY RIGHTS AND WILL NO ALLOW TRANSUNION TO VICTIMIZ MY TRANSUNION
Consumer complaint received 2017-08-20
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: EQUIFAX, INC. (NC)

Ever since XXXX XXXX, I 've been reaching out to Equifax about removing unauthorized inquiries on my credit report. I sent them at least two letters and disputed online about the unauthorized hard inquiries on my report but Equifax never removed them due to the inquiries to be " valid '' but could not provide proof of its validity. The following are the inquiries in question : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX )
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I noticed on my credit report a trade line for portfolio recovery associates. It has a balance of {$5600.00} for a XXXX XXXX  account. On XX/XX/XXXX I sent a letter to portfolio requesting them to validate the debt. I asked for the date of the original delinquency and any other information including account statements so I may verify the debt. On XX/XX/XXXX I received a letter from portfolio all it stated was the charge off date along with I owed the amount shown above. It also said the account was from XXXX card. I do not believe I owe this debt. I have to XXXX card account showing as a closed trade line on my credit report.
Consumer complaint received 2017-08-31
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. (TX)

I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS ABOVE ATTACHED ARE CASES
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph, + the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the XXXX consumers and the person making the report ; 22 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 purpose.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Hello, I'm formally a PayPal account user who's account was permanently limited back in XXXX of 2022. I received an email in XXXX of 2022 informing me my funds are now eligible for withdrawal, however upon trying to add my current bank account to PayPal, I am denied with the following error message. 

" This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' I attached a screenshot for reference. I have tried alternatives and I have tried contacted PayPal support through the " contact us '' page on paypal.com regarding this matter with no resolution. I am now contacting this outlet directly for assistance regarding this issue, urgent attention is requested. Thank you in advance for your time and professional service with handling this concern.
Consumer complaint received 2021-06-24
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. (NC)

I called Experian XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. The agent also refused to remove adverse information and reports that I never provided written instructions for Experian to furnish to my consumer file pursuant to USC 15 1681b. Experian willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of Medical Information. I asked the agent if Experian had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for Experian to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.
Consumer complaint received 2017-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (TN)

On XX/XX/XXXX I went in to try to show proof that I paid there and they took automatic transactions off my card I talked to the manager and a manager claimed that they fix my stuff today corporate office but they did not and now I 'm a point informations flown out here I 'll call the police and file a complaint the police and the police told me to get it towed the car off of XXXX and give me a proud all my history are the account but they did not do that but they said to outside collect the agency on XX/XX/XXXXfrom this credit place called XXXX XXXX XXXX XXXX XXXX. And now they 're trying to say that they seem another paper talking about that the account is in dispute or. Do not contact study. The ongoing complaint and I 'm poor identity theft because I have n't went into my mother died XX/XX/XXXX and the problem started from XX/XX/XXXX to XX/XX/XXXX and when I tried to talk to that manager explain the head manager to try to explain it they did n't you talk to the other manager because other matters are messed up and it discrimination towards me and I want this company vestigate it
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America abruptly closed my account on XX/XX/17 after opening it just a few days before ( X/XX/17 ) with {$92.00} remaining in my business checking account.
There is absolutely no formal reason and I have 0 history of abuse behavior with the bank so I feel I am being treated completely unfair. 

I would like to do business with Bank of America and feel I 'm being treated like a criminal this is not right and I want someone to help me so we can resolve this and get back to banking for my business.
Consumer complaint received 2021-06-24
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX Coinbase, Inc disabled my account ( I use their XXXX app ) with no apparent reason. On that same date It tried to have the problem fixed on their website, and they mentioned that they needed to email XXXX, and include a picture of my driver 's license. I emailed them, and then I got and autoatic reply saying they no longer have email-driven customer support, but instead I had to go to https : //support.coinbase.comXXXX XXXX XXXX XXXX XXXX XXXX I once again, did that on the very XX/XX/XXXX. On XX/XX/XXXX, I went again to the above URL and submitted another request for support/ticket as I Had n't received any response, nor resolution has been given to my issue. This is becoming frustrating as I have around XXXX ETH in my Etherium wallet, around USD {$1500.00} back them. I 've missed several opportunities to make some profit due to fluctuations on the ETH price. I believe Coinbase, Inc is not following proper customer support ( actually its support is awful ) for an institution that deals with people 's money.
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Account XXXX XXXX XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date XXXXtimes..Please delete account from my credit report
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MD)

The mortgage company Mr. Cooper reported that we were 60 days delinquent on our mortgage. This took my credit rating from XXXX to XXXX practically overnight. We have never been even a day late and the information is inaccurate. AND we were in forbearance until XX/XX/XXXX. 

We entered forbearance in XXXX and our forbearance agreement was understood to extend until XX/XX/XXXX. 

Mr. Cooper claims that we requested removal from the forbearance plan on XX/XX/XXXX, just 10 days before we were already expecting it to end. This makes NO SENSE. 

We then received a demand letter in XXXX demanding we pay & XXXX immediately to avoid default. We were shocked and confused ( and our XXXX payment had already been made ) but we paid it. 

I made multiple calls to Mr. Cooper to figure out what was going on and that's when we were told that my spouse had allegedly requested removal from the forbearance program on XX/XX/XXXX just 10 days before we were prepared for it to end. 

I have requested that Mr.Cooper retrieve the recording of that XX/XX/XXXX conversation. I am not sure whether this is a miscommunication or misunderstanding or whether something else more nefarious is happening. Many companies are outsourcing forbearance exits and there may be financial incentives for " pushing people off '' and demanding large payments all at once. 

I was told that I would not be permitted to hear the recording while they were investigating but that. their managers would review it and make a decision. 

We were in midst of what should have been an easy and quick refi with them. the mortgage broker and underwriter were moving quickly. We paid for an inspection of our house. Then our credit rating plummeted as a result of this erroneous delinquency being reported to credit bureaus. 

Again, we have never been late in our payments. Ever. So to have a delinquency report on our credit is devastating and detrimental. 

It also defies common sense that we would request to be removed from forbearance 10 days before it would officially end. In fact, we made a mortgage payment on XX/XX/XXXX in anticipation of resuming our regular payments and to ensure that you received the payment on or before XX/XX/XXXX, when it would be due. 

I have contacted Mr. Cooper and spoken with several agents in several departments and have requested immediate correction. I am still awaiting a correction. 

If I don't receive a favorable response, I will pursue legal action.
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (NC)

I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.