davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XXXX has seized my account for ppp loan. I sent in all docum Showing business owner. They stated not accepted. Please note this loan is 4months old. And has already been repaid. I sent documents showing forgiveness and amount sent to lender.. how can I qualify for loan and FORGIVENESS and XXXX  XXXX seize my account and label me fraud with the same XXXX receipts and tax forms. Im feelin attacked. They have closed my crdit accounts with them as well. Causing a negative credit rating. For a loan I no longer owe and definitely qualified for. They stated my funds in my personal account are being sent to lender but why would they do that if I have provided PROOF I have no debt with Sba! Its been forgiven. I have included the letter with seal and proof of no debt. Loan no longer owed!
Consumer complaint received 2021-10-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (CA)

After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year Im XXXX and XXXX.
Consumer complaint received 2021-10-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (CA)

After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year XXXX XXXX and XXXX.
Consumer complaint received 2021-11-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX , XXXX - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " Maximum Allowable Amount '' and others. As I was waiting for XXXX XXXX  reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the XXXX XXXX  - XXXX. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and XXXX ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. XXXX reported my " debt '' to Experian ( EX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by EX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX XXXXXXXX and XXXX. I have to add Experian also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to XXXX. Moreover, EX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXXEX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to file a complaint against XXXX XXXX XXXX regarding account number XXXX. I am being contacted by XXXX XXXX XXXX in an attempt to collect a debt that I do not owe. 

I believe this debt is inaccurate and does not belong to me. I request the immediate deletion of this debt from my credit report. Additionally, I ask that you provide details of any violations of the Fair Debt Collection Practices Act ( FDCPA ) that may have occurred, including but not limited to : Section 1692e : False or misleading representations in connection with the collection of a debt.

Section 1692f : Unfair practices in the collection of a debt.

Section 1692g : Failure to provide the required validation notice.

Please be advised that if this issue is not resolved promptly, I may have to take legal action, seeking {$1000.00} per violation, along with recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Consumer complaint received 2021-06-15
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: Lending Club Corp (NJ)

I have this accounts that does not belong to me and i want them to be remove from the 3 credit reporting agencies : XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted by phone and mail Transunion in reference to bankruptcies reported on my file. I was told by phone and mail, that they verified through the county clerk and gave me a number to call them. Said it was the number that they called. After calling I was notified that they never talked to transunion. they also sent me a letter. they just lied about how they investigated. I am looking for them to remove this info from my file.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On 4 separate occasions I have asked the mortgage company for help and each time I have I been been denied they are not even looking at my financial hardship due to Covid-19. XXXX. All denials. Due to XXXX in XX/XX/XXXX of XX/XX/XXXX I had already missed 5 months of payments and had asked for assistance then. They are not wanting to offer any assistance I have applied many times all I want is for the servicer is offer me the loan modification that I need.
Consumer complaint received 2021-11-03
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. (VA)

credit bureau and company XXXX XXXX violated hippa law with documents they sent, and did not send verification of debt as requested. Company stated would removed from my credit reports and all bureaus did not follow as said it will. I have reached back out to both the company reporting XXXX XXXX on my credit report and the credit bureaus and no response or resolution of the items deleted.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (VA)

I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (IL)

The company Caine & Weiner is attempting to collect a debt from me. In which case I do not know this company and I do not have a contract with this company. I am looking for immediate remove of the following account which is not mine nor is this account associated with me ; XXXX
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

In XX/XX/XXXX, Shellpoint Mortgage Servicing became my new mortgage provider. When I notified them, they stated I had not made payments since XX/XX/XXXX. After conversations back and forth, I decided in XX/XX/XXXX, to write a letter and attach {$5800.00} of receipts. Still, Shellpoint Mortgage Servicing DID NOT want to apply these receipts to my account. Shellpoint wanted me to repay what I already paid. Why should I? What happened to the money that I had paid to them? Finally, in XX/XX/XXXX, I was placed into Foreclosure, after I forced them to apply the payments. I have received letters stating they can help with several options, such as refinancing, deferment, reinstatement, repayment plan, etc. Each time I inquired about these options, I was told the OPTION I had was reinstatement ( pay 1 payment and catch up the entire amount ). Please note I would have preferred a prepayment plan to catch up the payments in several months, but I WAS DENIED IN TAKING ADVANTAGE OF THIS OPTION. 1 ) Currently, I would like for you to inquire about this with Shellpoint Mortgage Servicing for it appears to be unethical and illegal ; 2 ) Do you know if the government will extend Forbearance? 3 ) I read in an article, is you are in Forbearance, interest, taxes, etc. are not to be applied. These Fees are added each month to my payments!
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Inaccurate Reporting Dear Sir/Madam, I am writing to formally file a complaint against Experian regarding inaccurate reporting on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 7 ). 

On XX/XX/year>, I spoke with XXXX XXXX XXXX ( XXXX  ), which confirmed that my account was never reported as a charge-off ; rather, it has been reported as current. This information contradicts the negative reporting I have observed on my Experian consumer report. The account has been inaccurately reported for over one year, causing me undue stress and potential harm to my credit standing. 

According to the FCRA, consumer reporting agencies are required to conduct a thorough investigation before placing any negative information on a consumer report. Additionally, they must provide a description of the reinvestigation procedure within 15 days of receiving a request. I believe Experian has failed to uphold these regulations. Also on the Experian app report, it's different from the report I pulled from Annual Credit Report. 

I am attaching a copy of the transcript from my conversation with ACA for your review. This document should serve as evidence of the inaccurate reporting and the violation of my rights under the FCRA. 

I respectfully request that this account be removed from my consumer report to rectify this situation. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GEMINI CAPITAL GROUP, LLC (GA)

I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from XXXXXX/XX/XXXX at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XXXX XXXX, 2002. I also have other documentation from XXXX regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use. 

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below.

Also, I am disturbed about this entire situation from Gemini Capital Group, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CO)

I am having a hardship as a result of covid XXXX. I have a loanm owned by XXXX XXXX and serviced by Loandepot. Loan depot refuses to offer and deferment plan. I called on XX/XX/21 and requested a cares act covid hardship deferal. I was told loandepot is not offering any deferments. I believe this is in violation of the cares act. 

Loan Depot Account # XXXX XXXX XXXX Mortgage address - XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

I have had a Citi bank credit card for over 10 years. The use if the credit card is in good standing. The card expires XX/XX/2021 and when I called today they informed that the card will not be renewed and it is closed. Im currently buying a house and closing this account will affect my credit negative and it will prevent me from buying the house. I contacted Citi and they say that it was due to company 's policies. I want Citi to keep my credit card open and the card to be renewed, Im not delinquent and It is not fair that they damage my credit report. If they do not fix this I will make this public.
Consumer complaint received 2021-11-05
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)

The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX  XXXX XXXX, XXXX and Experian received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both XXXX and Experian dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that XXXX is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2021-11-05
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. (NJ)

The aformentioned credit reporting agencies received information regarding identity theft related to the account they are reporting, XXXX XXXX  XXXX Transunion, XXXX and XXXX received the identity theft report on XX/XX/XXXX, along with my identifying credentials ( social security card/State ID ). Pursuant to FCRA 15USC 1681c-2 ( a ) these agencies are in violation as they have not blocked this information from my credit report and have continued reporting the information. Additionally, they have not provided me with any documentation as to further investigation into this matter and the dispute has been deemed as resolved on both XXXX and XXXX dispute centers located on their websites. I have filed additional complaints regarding the way this situation has been handled with my state 's Attorney General 's office. I am requesting all documentation regarding the method of verification, all information provided by the furnisher regarding this account as I need to ensure that a thorough investigation has been performed pursuant to my rights under FCRA, section 611. As of yesterday, I was notified by credit monitoring that XXXX is allowing manipulation of the payment history on this account. According to their own records, this account was closed and sold in XXXX. Attached, you will see where the payment history has been changed to reflect payments in XXXX and in XXXX, this gross misrepresentation on the account is displaying late payments were made between XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

My cell phone was stolen on XX/XX/2023. A police report was filed immediately after the incident. Following the theft, I noticed that suspicious charges were occurring to both XXXX XXXX and XXXX XXXX. I contacted Truist Bank to shut down the account as soon as I realized that fraudulent charges were taking place. Truist credited my account {$4100.00} pending their investigation. I received a letter from Truist dated XX/XX/2023, stating that they had determined that the charges in question " Were authorized and an error did not occur ''. Truist debited my account {$4100.00}, putting me in a negative balance on XX/XX/2023. I went to the local Truist branch and spoke with the manager. He suggested that I send an email to appeal the decision. I attached a copy of the police report and the Police Officers contact information to the email. I wanted to ensure that Truist had proof that a crime had occurred and that an investigation was ongoing. I called Truist Monday, XX/XX/2023, to ask for an update. I was told verbally that my claim was reviewed for a second time and that their decision to deny the claim was final. 

In addition to calling Truist, I contacted both XXXX XXXX and XXXX XXXX. Because I had to purchase a new phone, I lost access to XXXX and was unable to recover information from my old phone. After spending several hours on the phone with customer service to try and retrieve the data, they concluded that they would not be able to assist me.
Consumer complaint received 2021-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.