davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

This loan was paid within 2 months and have contacted the lender 6 different times when asking to speak to supervisors they hung up on you and finally last attempt said this have been updated but ofcourse it's not. It should be a XXXX balance and they said its up to you to fix it just report us so that's what I'm doing.
Consumer complaint received 2021-10-22
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. (AZ)

Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I opened a card with Citi and got a balance transfer with 0 % interest on some of my credit card debt, in an attempt to pay less interest on my overall debt. Since getting this balance transfer I have been charged interest on this card, despite paying for all of my purchases in full every time I made a purchase with this card and not adding to my balance transfer at all. I have contacted this company several times about the interest but they have refused to either explain it in detail or help me eliminate these mysterious charges. 

The first time I had a problem with interest being wrongfully charged to me was on my XX/XX/2021 statement, which was not the first month that I have had this card and used it for purchases. Every month that I have had this card and made a purchase with it, I have paid the purchase amounts in full, which I explained to them, and in response, they refunded me the interest ( on my second attempt, after being mocked by the first employee ). I thought this was just an error and I wouldn't need to deal with it again, but on my next statement for XX/XX/2021, I was charged interest again, for a higher amount than before. I attempted to contact this company three times about the charges, once via live chat and twice over the phone, and all 3 times I was disconnected prematurely, once I began to ask about the specifics of the interest and why it was being charged to me. 

My last payment that I made to this card was {$350.00}, an amount far above what I spent the previous month ; I made such a large payment on purpose because I didn't want to be charged any interest, yet they still added that to my statement. When I asked them what was wrong with making a large payment over the phone, the line " mysteriously '' went dead, as if they hung up on me to avoid answering the question about why I was being charged interest even though I was not supposed to be.
Consumer complaint received 2022-04-28
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. (CA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED INQUIRIES CONTINUED TO NEXT PAGE ** Unauthorized Inquiries : Inquiry name XXXX XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2022-01-10
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. (GA)

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1. XXXX XXXX Account Number : XXXX 2.XXXX  Account Number XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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: Synovus Bank (GA)

In XX/XX/XXXX, I was experiencing issues with my hours and pay from being on leave and I made a mistake in falling behind on this credit card and made an effort to make a payment before XX/XX/XXXX by submitting a payment on Saturday, XX/XX/XXXX. 

I was expecting to receive payment from my employer on Monday, XX/XX/XXXX as my payment had been delayed due to when I started back working. When I returned to work that Monday, I discovered that I would not receive my paycheck until that Friday due to a system error. I called First Progress customer service department immediately to cancel the initial payment and submit a secondary payment from a different source. 

I was informed by the customer service representative that I couldnt do that as the payment was already pending but to not worry as the payment wouldnt be processed until that Friday, XX/XX/XXXX and therefore it would not be reported late. I took the representatives word on this. I checked my First Progress account on Friday, XX/XX/XXXX, and saw that the payment had been deducted and then returned on the XXXX, which contradicted the initial information that I had received. I contacted customer service again and spoke with another representative who confirmed that Id been given incorrect information and that I should have been told to call back the next day to resubmit the payment before it reported out to the credit bureaus on the XXXX as 30 days past due. I truly would have done so had I been initially told this important information. 

I was told that I could attempt to submit a goodwill letter to the company and they may be able to remove the payment as it is my only late payment. I did this and they agreed to remove the payment. I was informed that they had agreed to this when I called in two weeks later to check the status and that my report would be updated in 30 days. The update appeared in XX/XX/XXXX. 

I received an alert in XX/XX/XXXX that the late payment from XX/XX/XXXX had been added back to my report. This is after the company agreed to the removal. I haven't had any late payments at all on this account since this incident and I have kept the balance at {$0.00} each statement cycle. I contacted the company and they could not provide me with any information other than to fax them over what I initially sent. This is unacceptable. I decided to close the card today as this company 's business practices aren't ethical and I do not want to continue doing business with them. 

I have attached a copy of my credit report from XXXX as proof that the late payment has been removed. I also attached a copy of the letter that was initially faxed over to the company in XX/XX/XXXX.
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 
1. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$110.00} 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. 
I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

As previously stated, I did not originate these debts.

Reporting is voluntary not mandatory. Not ONE law says anything has to be reported.

In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

The company is consistently blocking me from making payments online. I applied for a forbearance under the Cares Act and brought my loan back current back in XX/XX/2021. Yet the company has a payment block on my loan after I've made multiple requests to have to black removed. I'm not in default nor have I ever been late with payments. The company also denied my requests for loss mitigation efforts and told me I did not qualify. Yet, they never provided documentation nor asked for documentation. I was merely told underwriting did not approve my request.
Consumer complaint received 2021-06-01
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)

On XX/XX/2021 My credit report XXXX  and Equifax refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the XXXX credit bureau and debt collector ( XXXX XXXX XXXX  ) the amount showed is {$4100.00} and XXXX.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SunTx Capital Partners (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (MI)

Americollect INC. is in fact in violation of 15 usc 1692b ( 2 ), 45 cfr 160, 15 usc 1692d ( 1 ), 15 usc 1681.

A notice of alleged debts in the amount of {$580.00} was mailed to me on XXXX XXXX in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due course for any and all derivatives thereof. 

These alleged debts were placed on my consumer reports on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Ive sent out an Affidavit of Truth, Invoice, Debt validation letter, cease and desist and exhibits proving all violations.
Consumer complaint received 2018-07-03
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. (TX)

Ive notified TransUnion via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, TransUnion only sent me a credit report stating that the accounts were verified. The FCRA says that TransUnion has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. TransUnion has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
Consumer complaint received 2022-11-16
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. (SC)

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

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

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 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer PennyMac Loan Services LLC on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!
Consumer complaint received 2018-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

On XX/XX/XXXX I had filed a written dispute againist the XXXX XXXX XXXX which has a negative remark on my credit in the amonut of {$360.00}. 
Along with this written dispute I also mail out the same copies to all 3 credit bureaus. I have yet to receive proof nor evidence that I m the owner of this debt and the 3 bureau 's have still let this remain on my credit. I had went to visited the last known address that I knew of the original creditor and they are under new management, and had no such evidence that I ever owed them any money. I then went to call the 2nd party debt collector on XX/XX/XXXX, National Credit, and they stated to me that they had no way of contacting the original creditors. I then ask who can I speak with to resolve this issue they stated to me that I had to proof that I didn't owe the debt. At this point I feel that this is not fair to me to have to pay {$360.00} for something that I don't owe. 


Along I will provide evidence that I don't owe any debts. 
Pay close attention to the dates please. 
Every signature is indeed my actual signature, all the places that my signature is the only documents that I have ever acknowledged.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/22 I had {$6.00} for my available credit. I then spent at XXXX these amounts : {$2.00}, {$1.00}, {$3.00}. That left me with XXXX OR as Capital One listed XXXX in my available credit. 

I owed a balance of {$570.00}. 
Bear in mind, the transactions were pending, BUT, the money had already been taken out of my available credit to cover those transactions. 
NO OTHER MONEY SHOULD HAVE BEEN DEDUCTED. 

At that point, I made a payment of {$200.00} and cashed in my rewards which was {$24.00}. So I had {$220.00} that should have been added to my available credit, which was XXXX. 
My available credit should now be {$220.00} -- -- -- But it wasn't. It posted a few minutes later showing my available credit as only {$140.00}. 

My new balance owed should have read {$340.00}, but it still read {$570.00}. 
I called and was told at XXXX the next day it would be straightened out and the correct amounts would then show. That didn't happen. 

The next day my balance read {$850.00} while my available credit still read {$140.00} ( not {$220.00} ). 
The {$220.00} was never deducted from my balance owed. 

Other transactions have been added but they don't count in this complaint. The last transactions that count are the XXXX from XXXX 's on XX/XX/XXXX.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with XXXX XXXX and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, XXXX XXXX XXXX has committed multiple violations under the Fair Credit Reporting Act.