davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created XXXX different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Consumer complaint received 2018-02-19
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. (FL)

I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. XXXX XXXX had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX, XXXX XXXX, and PACER, and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

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  That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Consumer complaint received 2018-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NY)

i am writing in regards to western union and they're money transferring services. I've been using they're services for many years usually i don't have a problem, but recently they've been treating me wrongfully by accusing me of doing illegal money transfers. Not only am i locked out from using they're services but they've ruined my friendship/relationship with a girl ive loved for many years by thinking that the money i sent her was fraud which wasn't the case.I demand that they reach out to her and apologize to her, but as to me.i demand that they reinstate my account with them and reinstate my ability to use there services and ability to send money online using my debit card. i will also complain about western union to my attorney general for wrongfully judging my money transfers as fraud.
Consumer complaint received 2018-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I have been harassed by phone from a collection company for XXXX XXXX. This company is called Weltman, Weinberg & Reis co from XXXX XXXX Oh. Not only do they harass myself the Harrass my parents. We had no idea the loan was in default never contacted until XX/XX/2018. At which they demand full payment. I asked for options they advised undoable options. They also are suggesting to how I should pay the loan by taking on more debt with loans. The continue to call sometimes over 20 times a day. Not willing to work with me when I had no idea they were even buying my debt from XXXX.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
Consumer complaint received 2018-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Capital Enterprises, Inc. (CA)

I have asked the collection agency to provide me with documents the will confirm the debt. I lady kept cutting me off and was argumentative so I ask them to never call again until the can establish if I owe them. They continue calling 2 to 3 times a day. On Friday, XX/XX/2018, starting at XXXX pm they called me a total of 13 time back to back
Consumer complaint received 2018-12-01
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. (VA)

Unknown company checking credit known as XXXX , XXXX. 

On XX/XX/XXXX, I received a XXXX XXXX  letter which provided notification of application denial of credit which was conducted by XXXX XXXX XXXX XXXX dealership in XXXX Tennessee. In addition, XXXX XXXX  representative advised that XXXX is scheduled to Experian. The letter specified that they have four credit bureaus which they derived information to XXXX XXXX. These are the following credit bureaus which they have either received information from or request credit information from XXXX , XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. In early XX/XX/2018, upon telephone contact XXXX XXXX denied any knowledge of XXXX , XXXX and referred all questions to XXXX XXXX dealership. In early XX/XX/2018 upon initial telephone contact, the representative XXXX customer service advised that XXXX was not used and they have no knowledge of the company known as sagestream. However, they confirmed this information was listed on there denial letter.
Consumer complaint received 2018-04-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is XXXX that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

This is an update from my previous complaint from XX/XX/XXXX. Rushmore Loan Management Services did give me another Single Point of Contact person at the end of XX/XX/XXXX. His name is XXXX XXXX which I spoke with him on the phone XX/XX/XXXX. He was very demanding and had a sarcastic attitude and was asking for the full amount in past payments. Also he mentioned that my rental income wasn't included twice on one of the properties when I applied for a Loan Modification.  XXXX XXXX mentioned that I was done and the next time he would only be speaking with my housing counselor on the phone. Then on XX/XX/XXXX I received a XXXX XXXX  XXXX  envelope at my front door which included a letter dated XX/XX/XXXX from Rushmore Loan Services it was a special Loan Modification offer which I did apply for and I was rejected. I was rejected because Rushmore has a lock on my account and that I can not apply anymore for a Loan Modification which I was told that on the phone XX/XX/XXXX. This is unfair business practices by Rushmore Loan Management Services and the denial was inappropriate. Also my income was taken incorrectly by Rushmore Loan Management Services for the Loan Modification.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had the bank close my account as I had been mysteriously missing funds from my account the last XXXX  months and started banking elsewhere. I went back and talked to branch XXXX at my nearest location where I used to go to and requested my last bank statements for as far as it can be retrieved, and she said XXXX  years and she will make that request. Well it's been XXXX weeks and I don't see anything coming in the mail so I'm not sure she did what was asked but that is ridiculous. I want this to be known because I have been banking with this bank for XXXX  years and for me to have to leave it and go somewhere else I can trust speaks volume. I want what I requested
Consumer complaint received 2018-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Hi, This company XXXX XXXX XXXX XXXX is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.
Consumer complaint received 2024-10-07
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. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXXc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

as of XX/XX/XXXX my XXXX XXXX credit card was reported paid in full and taken off by XX/XX/XXXX on XXXX and XXXX how ever on Equifax the account of XXXX is being reported as late and charge -off it can not be both its either paid in full or its a charge off i believe its paid in full and should be deleted this is the second complaint i have with equifax and are becoming quite tired if their illegal ways..they are not above the law ... the other reporting companies are telling the truth ..so why cant XXXX.. please correct this problem asap thank you for your time.. i have personally disputed this problem many times over but they change one little thing and say its been resolved thats not fixing the problem and i wont go away
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (IL)

This is reference with closed complaint # XXXX which actually was not properly closed. In letter dated XX/XX/18 XXXX XXXX refused to wave subordination fee in amount of {$130.00}. I've asked couple times PNC customer service about it and was told that subordination fee only applies to refinancing with other lenders. At least twice I've asked to document it in notes and was told that it was done. I've never sign any document to pay the subordination fee. Also {$130.00} was deducted from my payment to principal without my consent. In same letter XXXX XXXX waved late fees in amount of {$350.00} which actually was never done. I've checked all statements from XX/XX/2018 and there is no credit in amount of {$350.00}. 
Three phone calls to XXXX XXXX were never returned. It looks like typical policies of PNC, most of phone calls to managers were never returned and PNC is simply violating the most basic rules.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I hired a contractor to remodel my home, filled out a contract and initiated the work with handing him a check in the amount of {$20000.00} on XX/XX/XXXX. The check was then cashed by Bank of America and was never endorsed by the recipient on XX/XX/XXXX. This was done unbeknownst to myself. The next check given in the amount of {$10000.00} was given to this contractor on XX/XX/XXXX and cashed by the bank, again without endorsement on XX/XX/XXXX. I am asking that the bank responsible for this be responsible for my money -- as I have been left homeless and without a penny, since this contractor cashed the checks and disappeared. This case has been handled by the county, city police and so on and I am asking that you too take action and claim responsibility for this bank issue.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XX/XX/18-Called Specialized Loan Servicing to inquire why I am not receiving payment coupons. The Representative XXXX # XXXX said my loan was put into 'fourth position '' and this is happening to a lot of customers but the company does not know why. They are in the process of taking each loan number as Customers call to investigate. 

XXXX could not tell me why the loan status was moved. When I requested an explanation letter from the company explaining what has happened over the last several months of payment coupons stopping, she said the company would not do that. Unbelievable! This is unacceptable. I asked XXXX who or what company made the decision to place 3 other debts in front of my loan and to identify the debts. I have no liens. She said SLS does not tell them and she could not tell me, and they would not send me a letter of explanation. I did pay my current amount due over the phone with XXXX who said she would waive the fee. 

I need the help of cfpb because SLS continues in bad behavior and gets away with it. I say this because below are previous cfpb complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXXXX/XX/XXXX XXXX # XXXX
Consumer complaint received 2018-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

we had a tree fall on a shed on our property, a shed we only use to store a couple lawnmowers. we recevied a payment from our insurance company endorsed it and sent it to the Flagstar mortgage company loss department. along with the insurance adjustors report and all other needed documents. these were sent in XX/XX/XXXX. every time we call they say they are reviewing the documents. we do not wish to re build the shed and have sent a letter explaining this. they now hold the money in escrow and we can not get an answer from them if they will approve sending the monies back to us. the appraisla of the property show that the value of the shed is minimal to the overall property value.