davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PA)

I went with XXXX to pay for college. I went with a variable rate, as I didnt have much choice. The interest rate started low ( which is still high ) at 11 %, but over the years they pushed it up to 12 %. I called them before the pandemic about what to do to get the rate down and I was told tough luck. I have always payed my loans on time, and I pay more than the minimum payment. Ive noticed in the past couple months that they have jacked up my interest. Last month it was 13 % and this month is 14 %. I owe XXXX on the loan and they are making it extremely difficult to successfully pay it off. Especially since they are XXXX up the prices in a recession when I can barely afford bread, milk, and toilet paper.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed USAA is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Consumer complaint received 2022-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MO)

Homeowners insurance was sent to XXXX XXXX in the amount of {$2200.00} on XX/XX/XXXX however it was never received as it was sent in a bulk payment. I called Truist to resolve on XX/XX/XXXX and again on XX/XX/XXXX as it was due XX/XX/XXXX and i was at risk of cancellation. On XX/XX/XXXX Truist assured me theyd overnight a new check then trace the wire and stop payment. I received a call from my insurance in XX/XX/XXXX as it still has not been paid and i wont get an extension past XX/XX/XXXX. I finally paid the bill myself and am not confident i will receive the funds back.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (WI)

I was contacted by XXXX XXXX from Steel Rivers System concerning a loan now in the amount of {$2000.00}. XXXX XXXX stated that the loan was taken out on XXXX XX/XX/2021 through XXXX XXXX XXXX and was then transferred or sold to XXXX XXXX. The loan was deposited into a XXXX XXXX XXXX, location unknown at this time. I did not take out this loan and I am a victim of fraud and identify theft. Furthermore I have report this issue to my local police department, XXXX XXXX Sheriff 's Office, XXXX XXXX XXXX, Wisconsin. Police case number XXXX.
Consumer complaint received 2022-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact, so be it ; As the natural man the company did not meet the following conditions of a lawful binding contract : 1. " EQUAL CONSIDERATION '' NO VALUE WAS BROUGHT TO THE TABLE TO JUSTIFY THE BANK HAVING SOMETHING TO LOSE.

2. " LAWFUL TERM AND CONDITIONS '', MY TERMS WERE BASED ON FRAUD.

3. WET INK SIGNATURE OF BOTH PARTIES. CORPORATIONS CAN'T SIGN BECAUSE THEY HAVE NO " RIGHT '' OR " MIND '' TO CONTRACT SINCE THEY ARE SOUL'LESS LEGAL FICTIONS ; AND FURTHERMORE, NO THRID PARTY CAN SIGN A CONTRACT ON THEIR BEHALF.

4. FULL DISCLOSURE ( I WAS NOT TOLD I WAS CREATING THE CREDIT WITH MY WET INK SIGNATURE ) ALL OF MY RIGHTS ARE RESERVED WITHOUT PREJUDICE.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question is as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2022-07-15
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: CITIBANK, N.A. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

MACYS/DSNB - Late 30days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (IL)

I have been denied a XXXX XXXX XXXX loan to finish my XXXX  as a result of having accounts in collection. When I investigated this I discovered that XXXX XXXX XXXX turned over every single visit as a different account / bill. H & R Accounts reported that I have 32 accounts now in collections, most of which are under {$100.00}. They refuse to consolidate them into a single account to setup a payment plan.
Consumer complaint received 2022-11-12
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. (IN)

I have disputed my issue numerous times to try and resolve it. I have submitted a dispute every 90 days starting on XX/XX/2022. Nothing has been done and no information has been removed from my report which is harming me and my family in the end.
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NC)

As of XX/XX/2022, I received a notification on my credit report from Debt Recovery Solutions in the amount of {$3800.00} in which I do not owe. Nor was I ever sent any specific written documentation or contacted verifying this debt. It caused my credit score to drop XXXX points and the case was opened on XX/XX/2022 via XXXX. I would like to have this error removed from my account. I will be sending them a written dispute letter certified mail and also to the credit reporting agencies.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I XXXX XXXX created an account online for a new checking account with Fifth Third Bank in XXXX Fl. I was told the day before I went to the branch to bring two picture IDs nothing was mentioned to about a social security card. I went to the location XXXX XXXX XXXX XXXX Fl XXXX. Phone number is XXXX. The worker that was assisting me was being rude about me mentioning the 3 ID check. I was simply telling her they said two picture ID. She said she had to call the fraud department so they could take the hold off my account and it was taking a while so I told her Id go sit in the lobby. After a while of hearing the manager call a customer about verifying their account with fraud department I decided to walk up to her to ask questions. She was so rude to me I had to ask her nicely to be quiet for a second. Because she wouldnt even let me finish what I was trying to say about the IDs and the waiting time. She brushed me off and told me to have a good day. As Im walking back to sit down I tell her that they dont deserve to be working here with the attitude they both had. She then threatens to kick me out with the police. I told her to call them and she came over to me standing up talking and I covered my ears and said Im not listening to you she asked me to get out and this was done in front of another customer. I told her I was sitting waiting for my account to be verified and Id leave she said no were not opening your account today. So so said ok no problem. I cursed her out on my way out the door she continued arguing with me a potential banker and a new customer at that. I was very angry because I had paid for a XXXX ride here and this location is not close to my home. I feel very discriminated against and am also seeking legal action. I will tell everyone I know not to bank here and she needs to be retrained on how to treat and speak to customers. I never raised my voice until she asked me to leave. Please do something about this behavior its not necessary to treat someone like that and I dont want to bank with them ever in my life.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-15
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. (IL)

Pursuant to 18 usc 8, i owe no debt. Equifax violated my consumer rights to privacy pursuant to 15 usc 1681b 2, Equifax also has no permission to report ANYTHING using my info pursuant to 15 usc 1681A. The accounts in question are XXXX XXXX XXXX XXXX ( LATE PAYMENT ). Me begin the consumer my rights have been violated and I want that late payment to be removed immediately.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (OH)

I recently check my credit report and I noticed 2 inquiries listed on my report. The first one was from ASHROXXXX XXXX XXXX XX/XX/2022 located at XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX a phone number of XXXX. The second inquiry was from XXXX XXXX XXXX on XX/XX/2022 with no phone number located at XXXX XXXX XXXX, XXXX DE XXXX. I went online to check on the two inquiries and the XXXX XXXX is regarding mortgage and could not find information on AshroXXXX XXXX have read complaints about these companies that may include fraud. These companies DID NOT and HAVE NOT contacted me. Therefore I believe this may be fraud.
Consumer complaint received 2022-07-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/2019 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (TX)

TD bank- XXXX XXXX credit card has called my personal phone to harass and annoy me into paying my monthly payment. Answered their call on XX/XX/2022. The call lasted 10 minutes and 35 seconds. I explained my situation to the agent and requested some assistance since I had been out sick for 8 months and my work XXXX benefit had not been sent my pay in a timely manner plus my expenses increased due to illness. I was provided options which I informed the agent I would consider and contact TD Bank as soon as I had the amount owed or the amount to settle. 

Here is a list of all the times I have recevied a call from TD Bank : XXXX - I was recuperating from Covid, XXXX XXXX, XXXX XXXX and pnemonia. 
XX/XX/XXXX Incoming XXXX 2 sec Incoming XXXX 15 sec Incoming XXXX 5 minutes 30 sec XXXX I returned to work XXXX XX/XX/XXXX after 8 months ill. 
XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX 10 min 35 sec XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX Did not answer XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX missed Incoming XXXX did not answer XX/XX/XXXX Outgoing XXXX AM- 1 second ( hung up on me ) Incoming XXXX missed Incoming XXXX did not answer Incoming XXXX 6 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX 4 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX did not answer I blocked the number after XX/XX/XXXX and the following calls have been blocked but my phone still shows me that TD bank has called. 


XX/XX/XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX The calls from the month of XXXX have mainly been received during my work hours I work from XXXX to XXXX Monday-Friday. 

I am overwhelmed by the amount of calls received in one day, and more so by the 20 calls received in the month of XXXX. 

Clause violated 22 times ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX  oclock antemeridian and before XXXX  oclock postmeridian, local time at the consumers location ;
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (AR)

On XXXX XXXX I received a debt collection letter from credit management , LP with the attempt to collect a debt in the amount of {$780.00} stating that I owe XXXX XXXX I was given until XXXX the XXXX XXXX to call or write to dispute the debt thereof and that credit management , LP ( " Must stop collection on any amount I dispute until they send me information that shows I owe the debt. '' ) On XXXX XXXX I sent a handwritten dispute letter requesting for validation of this debt.I sent it certified mail. Never received a response from this company. Today XX/XX/2022 I received a credit confirmation concerning negative remarks on my credit report. I contact the company credit management , LP to inform them that they did not send me the requested information did I inquired about in my dispute letter or any legal factual information that says I owe this debt. And that they took it among themselves to assume that the information they had was correct without providing me adequate validation with strip me of my consumer rights
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. TGRANS UNION WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS XXXX  IN XXXX  AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER XXXX  AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP IM TRYIN TO START A NEW LIFE AND BEING A XXXX  ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 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 2022-07-15
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. (RI)

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2022-07-15
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. (GA)

This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.