davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frontline Asset Strategies, LLC (IL)

the collection agency is Frontline Assets Strategies. 
They repeatedly call and ask for some female about a debt. 
I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. 
XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc. (FL)

I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

Please provide me with a copy of the application for service agreement verifying my authorization of the account in question through the CFPB portal for my receipt.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the XXXX XXXX XXXX such as Experian, XXXX and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked Experian, XXXX and XXXX to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A. (CA)

I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.
Consumer complaint received 2020-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

Specialized Loan Servicing took over my loan from XXXX XXXX XXXX in XX/XX/XXXX. I made my XX/XX/XXXX monthly loan payment to XXXX XXXX XXXX before I was aware of the transfer and began paying Specialized Loan Servicing in XX/XX/XXXX and have paid them every month on time from XX/XX/XXXX through XX/XX/XXXX. 
My first payment to SLS in XX/XX/XXXX was apparently applied to XX/XX/XXXX and they have considered me behind on my mortgage ever since. I received a delinquent notice from them in XX/XX/XXXX as a result and learned that my credit had been negatively impacted and called in to dispute that on XX/XX/XXXX. During that call I provided proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX. I was led to believe that the issue would be corrected. Over the past two months I have spoken with nearly a dozen of their customer service and consumer escalations reps during 10 calls and have provided them once again with proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX and proof of my payments to SLS from XX/XX/XXXX through XX/XX/XXXX. Nearly all of their reps clearly understood the mistake and claimed to submit cash correction tickets and credit department correction cases on my behalf. On XX/XX/XXXX, I was told that because the payment correction is more than 90 days old it can not be corrected. Because of their mistake and misapplication of my payment, I have had late fees assessed and had multiple delinquent payment occurrences added to my credit report that they are claiming to be unable and unwilling to correct. The amount that they claim is past due amounts to only {$300.00} or so yet they are severely impacting my credit. This is the worst company I have ever interacted with and there is no way that they should be permitted to service loans. Their support staff is friendly, but none of them are able to actually do anything, talk with anyone that can do anything or connect me to anyone that can do anything and it takes an inordinate amount of time just to speak with someone. Please help make them accountable for their mistake.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with XXXX and TransUnion. They are no help.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NH)

A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.
Consumer complaint received 2018-05-29
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: Experian Information Solutions Inc. (DE)

my business account with XXXX XXXX was compromised and my account was changed to a fraudulent and the card was closed almost a year ago, now axp is reporting the fraudulent charges on my personal profile. i have sent in very much proof of the fraudulent unauthorize charges, they have collection for {$33000.00} on my credit report, i do not owe them anything
Consumer complaint received 2022-10-03
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. (SD)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my Equifax credit report. I immediately filed a dispute with Equifax stating the account was not mine. I was informed by Equifax that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. Equifax contacted me again to say that the collection agency still reports it is mine. I was told by Equifax to contact the collection agency because Equifax does is contact the company and the company says it is mine an that's the end of the story. I contacted XXXX, albeit reluctantly because I felt like Equifax did not do their due diligence and I am afraid of repercussions from the collection company and Equifax. At XXXX I spoke with XXXX who stated that the account was opened in XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with Equifax was over XXXX and now it is down to like XXXX. That should not be allowed especially because it is false information.
Consumer complaint received 2021-11-26
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. (KY)

I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX XXXX acct no. XXXX Collection opened XX/XX/2021 XXXX XXXX
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. my latest credit report shows 2 inquiries that i did not authorize or been payed off. 
am writing to dispute the following inquiries and asking for their removal from my credit report. please have these unapproved inquiries removed from my credit report. please update me with a full report on your finding within 30 days. as it is harming my ability to obtain new credit. i would appreciate a copy of my credit report once this issue is resolved. 


thank you for your time. 
sincerely XXXX.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (NY)

Today I contacted XXXX XXXX XXXX XXXX and informed that the debt in question had been charged off in XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court back in XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.
Consumer complaint received 2022-12-14
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. (MI)

I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, XXXX  XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.
Consumer complaint received 2020-04-22
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2016-08-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings (AZ)

None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (MD)

Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings
Consumer complaint received 2022-08-25
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. (NY)

I filed mutliple disputes with transunion regarding the XXXX XXXX account, I stated that the account is fraud, XXXX XXXX supplied me with the original credit application and the application shows that the social security number is different from my own.
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX  continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (IN)

Nationwide Biweekly stopped servicing the " Interest Minimizer '' program. I asked for a refund since they are not providing the service anymore and I only used the service for 1 year of the 25 years that the program should last. They have said several times that they will provide the service again but they do not do it. I have been asking for a refund for about a year and they do not pay any attention to my claim. They just answer that they will provide the service in the future but they do n't.
Consumer complaint received 2022-08-25
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. (TX)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
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. (OH)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one have systematically changed unnecessary overdraft fees on account to delay components that are in volition of due process, denial ofmeaningful access to support programs, activities and services due as capital one withholding information that is being Altered and changed information of XXXX to illegally transfer exemptions value rule, modified endowment OF contract changing classification section XXXX, denying of grandfathering provisions, causing massive and major suffering on family economic resources as capital one continue to interfere by charges of unexplained and unnecessary overdraft fees causing hardship and economic losses
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: SUNRISE CREDIT SERVICES, INC (PA)

XXXX XXXX XXXX continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

we applied with amerisave mortgage corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX georgia XXXX for a refinance mortgage they were offering all kinds of discounts for 30 year fixed loan with next to no closing cost if you took higher interest rate. we had done a 15 year fixed mortgage with quicken loans that we closed on XX/XX/2018 we realized the payments were higher than we wanted. so we decided to which to 30 year loan. thats where amerisave came in. they would not except appraisal we just had done in XX/XX/XXXX with quicken loans so they ordered another appraisal in the mean time they were very picky about personal info they wanted like we had never seen before. they made us change our home owners policy the way they wanted to be with out us knowing and before we even set a closing date they contacted our insurance co. and had amerisave listed as lein holder on home owners ins. the appraisal came in at XXXX higher than it did in XX/XX/XXXX they had a problem with that and tried to have appraiser change the value of our property from XXXX to to some crazy low value XXXX the appraiser refused to do this so they canceled our loan and did not even pay appraiser the fee he earned that we paid them for.
Consumer complaint received 2020-04-18
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. (TX)

I am impacted by the coronavirus because I XXXX  for XXXX and XXXX I have underline health issues and ca n't XXXX   till this is over with, so I called XXXX XXXX and XXXX XXXX to let them know both companies said that they would not report as being late on my credit report and XXXX XXXX I got an extension for two months. When I dispute the late payments with the credit bureaus it only takes them three days they come back and say that it's been updated but it's still showing late. This is coming from the Credit Bureaus. And this is XXXX Experian, and XXXX.