davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.
Consumer complaint received 2023-04-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

I write this on XX/XX/XXXX after weeks of trying to resolve with Shellpoint and SLS. With just 10 days until Trustee Sale on XX/XX/XXXX, my family faces homelessness. Shellpoint Mortgage Servicing refuses to honor a loan modification finalized by their predecessor, Specialized Loan Servicing ( SLS ), violating borrower protections under the Dodd-Frank Act.

This loan originally belonged to my late mother, who passed on XX/XX/XXXX. As her Successor in Interest, I was approved by SLS for a loan modification and completed all trial payments ( XXXX XXXX ). On XX/XX/XXXX, SLS sent me final loan modification documents, which I signed and returned by XX/XX/XXXX deadline. 

Shellpoint then took over the loan, ignored SLSs agreement, and now denies existence of the signed modification. This gross negligence puts my primary home at risk. Despite my compliance, Shellpoint refuses to honor their legal obligations under Regulation X.

Timeline : XX/XX/XXXX : Mother passed ; began loan assumption process. 
XX/XX/XXXX : SLS approved preliminary loan modification. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Completed trial payments. 
XX/XX/XXXX : Received and signed final loan modification from XXXX. 
XX/XX/XXXX : Received notification that Shellpoint took over servicing ; chaos ensues. 
XX/XX/XXXX : Shellpoint recorded Notice of Default ( NOD ) without notice or explanation to me, while loan modification is still pending. 
XX/XX/XXXX : Submitted a new loan modification under XXXX direction. 
XX/XX/XXXX : Shellpoint recorded Notice of Trustee Sale ( NOTS ) ( XX/XX/XXXX ) without notice or explanation to me, while loan modification is still pending. 
XX/XX/XXXX : Shellpoint denied my loan modification with no clear explanation. 
XX/XX/XXXX : Trustee Sale scheduled. 

Shellpoint must honor SLSs signed agreement. This refusal to act in good faith violates federal law, threatening my home and familys future. Please intervene to resolve. All I ask is for Shellpoint to honor the approved loan modification so this nightmare ends.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/18 I called XXXX to have my student loans reinstated ( they were paid off during the interest rate pause ). They told they transferred my account to AidVantage. 

I call AidVantage on XX/XX/18 and they tell me they don't have my account information. 

I call XXXX again and ask for the date of when my account was transferred. They told me they transferred it on XX/XX/18 ( suspicious, but fine ). XXXX is somewhat helpful and at least sends me a letter with all my loan information ( of the loans paid off during the interest rate pause ) so AidVantage knows exactly what to reinstate. 

I call AidVantage again and ask when my account will be transferred and they tell me it'll take XXXX weeks... This is absolutely a ridiculous amount of time for someone to be able to simply create an account. I have my letter from XXXX on exactly what needs to be reinstated, but I can't send this to AidVantage without an account. The fact that I can't create an account today with AidVantage is extremely poor business practice and borderline criminal. They are essentially withholding my money. 

I have already received my forgiveness email from the US Government ( of course it's on pause right now ), but I need AidVantage to open an account for me & reinstate my loans ASAP. They're making it extremely difficult and every time I call they give me conflicting information. One guy even told me I don't have to have my loans reinstated and that the US government will reimburse me directly ... AidVantage needs to be held accountable and fined for this behavior on a daily basis until they improve this experience.
Consumer complaint received 2022-10-24
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 XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-04-03
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC supported by my Police Report and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$8400.00}
Consumer complaint received 2023-04-03
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. (CT)

This is my several endeavors to tell Experian credit bureau that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-03
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$590.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-03
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NE)

Experian- The following accounts are reporting inaccurate information on my credit profile. 

XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, {$32.00} XXXX XXXX XXXX XXXX Account # XXXX, {$930.00} These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

I have disputed a few debt collections bought by Portfolio Recovery. I have attempted many times for them to prove that there has been payments made to two of said debts. There are reporting one bought debt at 3 % off of debt and another at 5 % off. I have never made payments to this company or org company after the account was close. After many attempts to have them verify all the accounts they hold in my name, they never send the documents or details that is required by my state to rec. I always just get huge prints out of nothing but incorrect info and no documents to show proof of payments that is being reported. Also they have scared me into hiding my identify to stop sending sheriffs to my home or business. I have reems of paper they have repeatedly send same information and cost me money to keep sending them back letters to get proff. They even harassed me and scared me enough to take me to court and all the times the judge would dismiss with prejudice. Even after their attempts to sue me over these, they continue to make me scared to answer my door or give out my phone number for the harassment and sent more sheriffs looking for me. One of the summons even was failed to deliver after three attempts to scare me more and send me to court again, this one had to be dismiss my the town clerk I think they are still reporting the three judgments that judge dismissed and they are still reporting that I made payments. With no such proof of payments to them. I cant send you documents have the papers I have saved over the years for the many repeat info that is never showing or proving everything my state has for them to correctly continue to report.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

Subject : Request for Reopening of XXXX XXXX XXXX and Account Update Dear [ Recipient 's Name ], I am writing to formally request the reopening and thorough reassessment of my pending XXXX dispute claims associated with my account. My name is XXXX XXXX, and my case number is XXXX. 

I am currently facing significant challenges in obtaining status updates for my XXXX dispute claim XXXX and another dispute under claim number XXXX. Customer support at XXXX has indicated that they can not assist due to the closure of my savings and checking accounts, which I find to be unwarranted under these circumstances. 

I previously submitted all necessary documentation about my XXXX dispute claims XXXX and XXXX in-person. I would like to confirm whether these claims have been reopened for further investigation. If they are still closed, I kindly request that they be reactivated. 

Particularly regarding the {$200.00} transaction ( Transaction ID : XXXX ), I urge immediate investigation to facilitate the recovery of these funds. Additionally, I require an update on the claims concerning the {$800.00} ( Transaction ID : XXXX ) and {$60.00} ( Transaction ID : XXXX  ) transactions. If claims for these two transactions have not yet been filed, I request their submission under the " service not received '' category, with the goal of recovering these amounts into my checking account. 

When attempting to initiate an update or appeal at my local branch, I encountered obstacles with Branch XXXX XXXX XXXX at M & T Bank, located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. His contact number is ( XXXX ) XXXX and his email is XXXX. Unfortunately, he was unable to provide assistance in this matter. 

I insist that all claims for the transactions of {$200.00}, {$800.00}, and {$60.00} be reopened for reassessment in accordance with applicable banking regulations. 

Additionally, I have not yet received the {$100.00} credit associated with the new account promotion, despite having met the required {$500.00} direct deposit prior to the closure of my accounts. I am requesting that this amount, along with a total of {$1100.00} in credits, be mailed to my address : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

For reference purposes, my checking account number is XXXX and my savings account number is XXXX. Please feel free to reach me via email at XXXX or by phone at XXXX for any further clarification or updates. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-03
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: Consumer Adjustment Company Incorporated (IL)

In accordance with the Fair Credit Reporting Act, Consumer ADJ CO 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 an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Consumer ADJ Co has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2023-04-03
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-02
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: JPMORGAN CHASE & CO. (AZ)

This is due to drop off in XX/XX/2024. I called JPMCB CARD to request that they reach out to the credit bureaus and have the XXXX, XXXX, and XXXX delinquency removed sooner. They informed me that they had no way of doing that. They allow the creditors to determine when it's released. XXXX has not been very cooperative or helpful when the agency has been. Please assist me in getting this removed.