davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

As a federally protecte

d Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMAND
S the following below : Account Name : PORTFOLIO RECOV ASSOC Account
Number:XXXX
Consumer complaint received 2021-01-23
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. (MA)

I learned on approximately XX/XX/XXXX that someone had used my information to open multiple utility accounts in XXXX Texas, a state that I have never been in my or know anyone, and I learned because I was notified by a credit card I have that my credit score dropped almost a 100 points and then after filling a dispute with experian also learned that my information was likely gained because of their data breach a couple years ago. And now they verified that what I have told them was indeed accurate, I see that instead of completely wiping this fraudulent account off of my credit report, instead they have it listed as a charge off and looks like that I was responsible for it, but the company just wrote it off and showing that it will be on my report until XXXX!! This was a theft and a fraudulent account and it should be erased from my report completely and I am trying to fix my credit and this fraudulent account is effecting my credit drastically! Please see what can be done about removing it completely. Thank you for your attention to this matter.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, XXXX Account # xxxxxxxxxxxxx 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 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA (SC)

With my understanding and research about foreclosures, they are ILLEGAL. This is heir 's property that was passed down to me and my wife i have evidence and of course the courts don't wants this information out. Plus they sold our plus they sold our mortgage without notification.
Consumer complaint received 2021-03-28
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: Experian Information Solutions Inc. (MI)

I reported the following information to Experian via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they would review the information, begin a reinvestigation, and contact the creditor. On XX/XX/2021, I checked my Experian credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. My credit report was updated to include a singular charge-off date of XX/XX/2021, which is incorrect. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I am submitting this complaint in reference to MIDLAND CREDIT MANAGEMENT knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I am currently going through the PSLF process. I have received numerous letters stating that if I consolidate, Ill lose all my qualifying payments ; that my case is closed- despite having no previous payments prior to XXXX counted ( I have payments since XXXX ) ; paperwork that is causing so much frustration, confusion and stress. 

The letters they send are completely inaccurate according to the XXXX website. 

Fedloan needs to stop sending false information to customers.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made a complaint XXXX complaint number XXXX, about an inquiry on my credit report. TransUnion has still not responded and it's been almost 60 days. By law, Transunion was supposed to provide me provide that I can written consent for my credit file to be pulled, which I did not. It's almost 60 days later still no reply. 

Being they have not provided me the original paperwork that I gave consent, which is by law please remove it immediately from my credit report. 

I'm attaching it again.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IA)

I refinanced my home in XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX in the amount of {$620.00}. On XX/XX/XXXX, my loan was sold by XXXX XXXX XXXX to Specialized Loan Servicing. Since that date, I have made the following payments : XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} Since my loan transferred, I have never been credited with the initial {$620.00} payment on XX/XX/XXXX despite forwarding proof of payment and information from XXXX XXXX XXXX on when the payment was forwarded, the amount and who signed for it. I have made well over 20 calls to SLS since XX/XX/XXXX trying to get help in solving this issue. Now 41 days later it still has not been solved despite providing irrefutable evidence that the payment happened and was forwarded to them and signed for by an employee named " XXXX ''. I NEED HELP...... PLEASE! I am beyond myself that this has not been resolved and that the desire to solve it is not there on their end. The resolution that I am seeking is to have the amount credited. I would love to see them sell my loan, but would settle for the credit to my account. Please help and investigate this company. Their ratings on the XXXX website and XXXX are awful.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I have applied for refinancing my primary home on XX/XX/2020 with Amerisave, and I have been providing all the documentation they need. I was told that closing can be done between 30-60 days, and it has been more than 4 months still closing is not done. I called few weeks back and they told me that closing will be done in the 2nd week of XXXX. I called or sent a mail to my loan originator or underwriter but they rarely responded. It looks like they are not interested to give me the loan so I asked them to cancel my application so I can start my loan somewhere else. I sent them mail and to send me the confirmation but not received. 

I want to file a complaint against them if they don't want to give me loan then why did they start the process, and wasted my time. I could have applied from somewhere else =, and could have got the loan.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Regarding complaint XXXX. 

I never received bank of americas response. 

I have emailed twice and called the number provided. 

Please email me a copy. 

I have no idea what the resolution was.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Please accept this statement as a formal complaint against the above credit card company for its refusal to remove the sum of {$97.00} from my account for a charge that I never made. 

The timeline and basis for my complaint follow : XX/XX/2021 The charge in question first appears on my statement for a transaction involving XXXX XXXX on XXXX XXXX XX/XX/2021 I called Customer Service and advised that I had not charged the sum of {$97.00} at XXXX XXXX, and asked that the charge be removed from my account XX/XX/2021 My dispute is acknowledged and I am asked to provide additional documentation, which I provided ( copy attached ) XX/XX/2021 My claim is denied on the basis that the information I provided was not enough to support my claim ( copy attached ) XX/XX/2021 I call XXXX XXXX and receive confirmation that no charge for this amount existed on their records. I send my letter to LL Bean again stating that the charge is not appropriate ( copy attached ) XX/XX/2021 LL Bean again declines my claim advising that, the documentation does not support the claim ( copy attached ) XX/XX/2021 I again call XXXX and receive written confirmation directly from this vendor stating that no charge for this amount exists on their records - see email with screenshot from XXXX XXXX, Front Desk XXXX at XXXX XXXX dated XX/XX/2021 where he states, " I am unable to find any charges for the amount we discussed of {$97.00} ''. A copy was forwarded to LL Bean under letter of that date, together with yet another request that the charge be removed from my account ( copies attached ) XX/XX/2021 LL Bean again denies my request stating that, the documentation doesnt support the claim ''. ( copy attached ) I have provided to LL Bean copies of documents sent to me directly from the vendor in question where the vendor himself states in no uncertain terms that a charge for {$97.00} does not exist on their records. Despite this, LL Bean refuses to remove the charge from my account.

LL Bean has acted in bad faith by their refusal to remove this charge from my account, despite the fact that I have clearly and convincingly demonstrated that the charge was never incurred.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (IL)

I opened an account with M & T bank. The account has been active and in good standing. M & T has placed a freeze/hold on my account claiming they need to validate my identity by visiting a branch. They don't have any branches near me and refuse to resolve the matter any other way. 

At this point they do not allow me access to my funds and refuse to close the account. They're blocking any transactions to my account as well. The account was originally opened online and they never requested me to visit a branch during the account opening process.
Consumer complaint received 2021-02-20
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 took out a loan for a vehicle that I purchased in XXXX  with XXXX XXXX. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

XXXX has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my XXXX account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to XXXX and Experian about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, XXXX XXXX