davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
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: LEXISNEXIS (GA)

I realize that I have been a victim of identity theft, This account should be removed from my file inmediatly because they have course great problem in my ability to get credit and a better job. I have filed an FTC report and a police report with XXXX police, this report number is : XXXX a copy of this report is attached. Please remove all none account holding inquiries, opt me out from prescreening offers and opt me out permanently from your systems. 

Thank you.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

For the past three days, I have been trying to have my credit freeze temporarily lifted in order to allow a company to access my credit information. With XXXX, the security lift took about 5 minutes. With XXXX, the security lift took about 5 minutes. 
However, with Experian, this has been a three day nightmare. I first attempted to do it online ( experian.com/freeze ). While the procedure seems as if it would be simple, it is circuitous, and never allows the consumer to lift the freeze. If attempting to call Experian at XXXX, the experience is even worse. The bot sounds as if can deal with fraud or a credit score but it will not allow the consumer to lift the freeze. How in the world can Experian even be allowed to exist since it seems that they have absolutely no interest in assisting a consumer and the consumer has no possibility of opting out of Experian?
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (ND)

On XXXX XXXXXX/XX/2023, I was at work when I received an Alert for Credit Monitoring from XXXX XXXXXXXX, XXXX, Level Credit by Self and Identity IQ saying that I have applied for a new credit and it is from XXXX 's XXXX XXXX. I was already clocked in and busy with work. I immediately called XXXX 's XXXX XXXX telling them that Someone have use and membership card and they have applied for their credit card. XXXX of the customer representative on the phone with me tried to help me out but she told me that she can't get my information and they will call me back or I have to reach out to Synchrony Bank myself. Immediately I called them and two of the representatives I talked to on that they couldn't help me solve my problem but instead they were telling that they are having bad reception on their end and they will have to call me back. I waited all day neither XXXX 's XXXX representative or Synchrony Bank called me. When I called Synchrony Bank, I was told to contact the Credit Bureaus. I later disputed the UNAUTHORIZED INQUIRY on my credit profile with them but instead they replied to me by telling that ; " Our records indicate the inquiry... was the result of an application for credit processed on the XX/XX/2023 for a XXXX account. '' The question here is, How can I apply for a credit in store when I am at work?
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I was disputing addresses that were on my credit report with XXXX that were incorrect. I tried disputing the address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  as Ive never lived there. XXXX said they could remove it bc there was an account connected to this address. I found that the account IC systems is showing as a collection connected to this address. I disputed the collection bc it does not belong to me. I called IC systems directly and they have the same address listed with an account number that does not belong to me. The original creditor is XXXX whom I currently have an open and active account with under my current address and a different account number as the collection acct. my acct is in good standing. Please have them remove this collection from my XXXX XXXX reports asap . It is causing issues on my end. Thank you! 

I.C. SYSTEM, INC Account number XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I WANT TO REMOVED THOSE INQUIRIES FROM MY REPORT BECAUSE I DON'T RECOGNIZE THEM AND IT WAS NOT AUTHORIZED BY ME. ( EQUIFAX ) XXXX ( EQUIFAX ) XX/XX/XXXXXXXX XXXX  ( EQUIFAX ) XX/XX/XXXX XXXX ( EQUIFAX ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-12
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. (TX)

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. 

The letters are stated with items and issues. 

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 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal closed my account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX
Consumer complaint received 2019-08-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (VA)

I briefly attended XXXX XXXX University in XX/XX/XXXX and my tuition was covered by FAFSA grant and XXXX scholarship. For personal/ financial reasons I dropped out and moved back to live with my parents which is when my tuition was sent to collections. I dont understand how I can be expected to pay for tuition when I was going to school with federal grants in the first place. Recently in the beginning of the year of XXXX my collection account was sold to William and Fudge who reached out to me and said I have to make the payment and that theyll give me time to ask my parents to pay and will give me a call back after a week. I never heard back. On XXXX XXXX I sent a letter to XXXX XXXX XXXX stating that I do not claim the ownership of this debt however I would like to pay a lesser amount and settle the debt. It was a pay for delete request. I didnt hear back and it had been a few days. I started stepping away from my desk at work multiple times a day and attempted calling but I never got through to anyone. I also sent a follow up email on XX/XX/XXXX just Incase the first email was missed. It has now been over a month of me trying to settle this debt so it no longer hurts my credit by being on my credit report. I dont know who else Im supposed to contact to get this resolved if the company itself is not responding to me. Im just in my twenties and trying to clean up my credit but the collection amount has gotten me denied with many lenders. Its not that I did not try to work something out, I just received no answer.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

The letters are stated with items and issues. 

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 2019-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I submitted an online application for a mortgage loan with Bank of America. XX/XX/XXXX I received a message to call the 800 number which I did call and spoke with the online loan officer, XXXX XXXX. ( I have his NMLS ID # ). We talked about the various options and requirements for the home loan. In part of the conversation I asked how is my student loan payment treated in the debt-to-income ratio? The online loan officer said that Federal Housing Authority ( fha ) requires 1.15 % of the loan balance to be included the budget. ( I have done my research prior to applying and am aware that fha requires the the greater of 1 % of the loan balance or original amortized payment amount ). And I asked why does the Bank require that additional .15 % and the online loan officer could not give an answer and said he doesnt know and said its an over layer ( something like that, he became a bit inaudible in the answer ). Also, in the process of listing the requirements the loan officer said I needed to put an additional {$350.00} in the budget ( debt-to-income ratio ) for collection accounts. He included two accounts that were not actual collections but the accounts that were closed, remaining balances that were charged off and the creditors did not notate the accounts as collections. One of the accounts is 7 years old and due to drop off of the credit files in one - two months. Two other accounts were removed from two of the credit bureaus but not of them ( because they were errors ). 
I believe these requirements are over and beyond the requirements of Federal Housing Administration ( fha ) requirements ; And, are discriminatory against me.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (GA)

On XX/XX/2023, consumer contacted PRINCE PARKER AND ASSOCIATES regarding an account that was placed on my consumer report. This is the initial communication I have had with this debt collector. I have never provided my private information or written consent to them to furnish information on my consumer report. On XX/XX/XXXX, around XXXX consumer called PRINCE PARKER and XXXX, who later said her name was XXXX XXXX disconnected my call when I informed I couldn't hear and each call after that was made was disconnected by the company. The furnishing of this account on my consumer report is ruining my reputation with potential creditors, it is causing me mental and emotional stress and its defaming my character.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EXPERT GLOBAL SOLUTIONS, INC. (CA)

This is regarding a formal notification we received from a collection agency, EGS Financial Care , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Phone # XXXX ) for Creditor - XXXX, Shipper # XXXX dated XX/XX/18 amount of {$550.00}.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lake City Credit (VA)

I have received several calls from a phone number XXXX, XXXX Texas. They last called they claimed to be a debt collection company called Lake City Credit. They claimed I owed {$870.00} for a XXXX Account bill and were collecting the debt. I do have a XXXX Account that I have had since XXXX. After their last phone call at XXXX XXXX, XXXX XX/XX/XXXX, I contacted the XXXX Billing Dept. They confirmed that my account was paid up to date with no prior debt. That they had never sent a debt to collections in my name and had never heard of Lake City Credit or did business with them. XXXX told me to ignore/block their calls because it sounded like a phishing scam. What concerns me is that these people had knowledge of the last 4 digits to my social security number. I have never received any notification from this company in writing and only phone calls which I now consider harassment.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (CA)

I got vanilla  visa prepaid card as a gift XXXX $ value. In the moment I activated it on their website on XXXX, XXXX XXXX $ were pending for XXXX transaction I havent made. I tried few times to call them and dispute this transaction, they told me to call in 1 week, I called again and they said they will start dispute after I fill the form from them. They wrote down my email and I never heard from them again. Than I tried to call them and the same situation happened again.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I logged into my e-mail this morning, XX/XX/XXXX and received a notification from XXXX XXXX that my payment was rejected and my account was frozen. I received no notification from Citibank NA that my account had been frozen since the XXXX of XXXX and my checks are being bounced and I am racking up late charges, which in turn is effecting my credit as well as my Husband 's credit. When I contacted the bank on XX/XX/XXXX, I was transferred to another department in which I was told that our accounts are under review, therefore the reason Citibank NA froze our accounts without notifying us and after one hour on the telephone, I was told Citibank NA mailed documentation to us on XX/XX/XXXX. I was then told we need to complete the same trust forms as I completed in XXXX of XXXX, during tax season.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

We suspect XXXX XXXX XXXX and My Loan Care may be attempting to move high value, low interest mortgages to a separate service provider without ensuring the mortgagees have received adequate notice of the transfer, and removing the auto draft information from these accounts, in order to place the mortgages in default, call the entire amount due, and force the mortgagee to refinance at a much higher rate. Our mortgage had been with XXXX XXXX XXXX since just after we purchased the house in XX/XX/2021 ( {$1.00} mil, 3.4 % ). We set up auto payment and had perfect payment history. On Sunday my husband opened an email from XXXX XXXX showing our mortgage with My Loan Care ( a company wed never heard of ) and was in default. We did some research and saw that XXXX XXXX XXXX  had transferred the loan to a subservicer, My Loan Care. We received NO notice of the transfer of our account to My Loan Care. We have received letters from XXXX XXXX XXXX  monthly since setting up the autopay and disregarded those notices as we had Auto Draft set up. All the envelopes we received from XXXX XXXX XXXX looked identical to the previous statement envelopes we had received so we continued to discard those envelopes. We do not recall receiving any letters from My Loan Care. We did not receive any phone calls on this topic. We did not notice the money was not debiting because we keep a high amount in our checking account and the mortgage amount is diminimus. That same day, we attempted to create a username/password and login to the My Loan Care system. We received an error message and was unable to login. We also attempted to call the automated payment line and was told there was no automated service available on a Sunday. We contacted My Loan Care through a XXXX XXXX XXXX number and automated system. We set up auto draft and paid the amount. Despite us not receiving adequate notice, only 1 late fee was removed and the customer service representative refused to remove the negative reports on our credit reports without us sending a written letter. Additionally, when we asked why all of our personal information ( including our Social Security numbers ) was transferred to My Loan Care ( a service provider of XXXX XXXXXXXX XXXX ) except our auto draft information when we consented to such transfer of personal information in or original loan documents, a customer service representative stated it was " for our protection. '' We also spoke to a web services customer service representative who stated that we must " allow all cookies '' on our browser in order to log in to the website. We plan on contacting a class action attorney to discuss this situation.
Consumer complaint received 2019-05-02
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: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-06-14
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence.

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.