davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my back statements I seen there's been credits loaded from EDD and most Depits made are not mine. I never could used my EDD card at stores because it will decline I had to call the number behide the card first before I can used my card at any stores. And I couldn't go to bank of America to withdraw money because My EDD card had the name XXXX XXXX XXXX and my ID was XXXX XXXX so I never could of used that EDD prepaid card from bank of anerica. I got XXXX from EDD to my bank of America prepaid card. The mosti got was XXXX the rest I don't know what happen. There's transaction not from me or even return purchases that I never return. In the month of XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  I had a balance of XXXX plus credits XXXX and new balance of XXXX credit and summary of transactions XXXX were depit from my account in 1 months. You can see my bank statements it only shows Depits where you can investigate n see on there cameras where they used card is not me or who ever tookthe money bank of America. I don't know all I know I did not used that money .when I would call bank of America n explain to them my problem after listening and knowing what I was talking about they will hang up on me even the manager of bank of America will hang up.
Consumer complaint received 2017-10-20
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: Experian Information Solutions Inc. (MD)

I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX 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 It is Experians responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MINNESOTA LIFE INSURANCE CO., THE (IN)

On XXXX-XXXX-17 I called to inquire why I was not receiving my statements. I was advised by the branch manager XXXX XXXX that the third party affiliate of XXXX XXXX XXXX ( XXXX? ) No longer sends out paper documents. I have to go online. I advised that I have the right as a consumer to request paper documentation. They said that I could not request this information to be mailed and there was nothing that they could do for me. I find it very unprofessional that they do not respect my rights. If they can not respect my rights the debt should be waived in full.
Consumer complaint received 2019-02-28
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: Innovis (TX)

I have uploaded the document from XXXX  as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is XXXX XXXX also called XXXX XXXX XXXX, " XXXX, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : XXXX XXXX XXXX XXXX   XXXX : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. 
Therefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (GA)

Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 

1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 

2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I was XXXX at the time when I originally got XXXX XXXX loans ( now Navient ). They gave me multiple private loans one for {$3000.00} with a cosigner and one for {$7000.00} for myself. I was current on my loans for many years. Then in XXXX 2013 was in a serious car accident that XXXX XXXX XXXX XXXX XXXX XXXX I was going from making {$42000.00} a year to making XXXX. Right after my accident my credit plummeted I obviously was unable to pay nothing as I XXXX and learned things such as how to dress and shower myself. All of the other loan companies worked with me and eventually XXXX my loans through XXXX and XXXX XXXX. All except XXXX, they were completely unwilling to work with me on my loans or even lower my payments which was eventually $ XXXX month by then. I told them countless times I was not working, but I im in a VR assistance program ( still am ) trying find gainful employment. I asked them to make payments more reasonable but they said there was nothing I could do. They called so many times. When i was n't able to pay my lower loan of {$3000.00} the continually harrassed me and my cosigner who was also going through a financial difficulty after XXXX her husband. Still the harassing of my cosigner and me continued. They never stopped calling, at times I felt just like XXXX. They were so harassing. When I answered i would say I 'm XXXX I ca n't pay the now {$600.00} they wanted. They also said forbearance was n't an option and I pleaded with them their response was " it 's out of our hands ''. I said again I ca n't pay this stop calling. Still I got XXXX XXXX to XXXX harassing phone calls telling me of my delinquencies and that i needed to pay up. They often changed their numbers including area codes and I told them countless times I was not able to pay. Currently Navient has a charge off on my credit that is increasing monthly and is at the amount of {$17000.00} while i get XXXX and still search for a job - I ca n't pay this! Navient has completely ruined my credit and their shady practices need to be thoroughly investigated.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In reguesting my 3 free credit reports because my credit information has been affected by the XXXX data breach, TransUnion had denied my reguest stating I have obtained a free report within the last 12 months. I have not made a reguest for my 3 credit reports since XXXX/XXXX/XXXX. My reguest was made and denied on XXXX/XXXX/XXXX from TransUnion. My concern is that someone else had made a reguest and received my credit report from TransUnion. I want to freeze my credit reporting from this agency but fear it may be too late.
Consumer complaint received 2017-10-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Experian " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. There were specific things requested that the company furnish to validate and they failed to. None the less Experian responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Experian removed it and they to only furnished a bill as validation. So now I do n't understand how Experian ca n't validate on one collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Experian is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws. After searching the Secretary of the State of Connecticut, this collection agency is not registered or licensed as a business in the state of Connecticut and is not accredited by the Better Business Bureau.
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MA)

I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from TD Bank regarding SOMEONE ELSE and their " personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was " I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this " resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as TD Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give TD Bank his information. TD Bank refuses to take said information. I appreciate any help I can receive.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

Im submitting a complaint against Commonwealth Financial Systems, INC. in regards to a collection debt placed on my credit report at all three credit bureaus. I have been disputing this debt all year and they wont remove it and I believe this debt doesnt belong to me and it should be removed from my credit reports ASAP. 

The information they submitted to me doesnt support that the debt belongs to me. The invoice they submitted doesnt have the full explanation of benefits and on the invoice it states XXXX XXXX XXXX. 

The reason Im stating this is not my medical bill is because I have worked for the same company for XXXX years since XXXX and I have the same medical insurance since XXXX. All the claims ( XXXX ) ( XXXX. Acct XXXX ) that were submitted by XXXX XXXX XXXX at XXXX for the date of service on XXXX/XXXX/XXXX had the correct medical insurance information and was paid by my health insurance company. There are no records with my health insurance company that this medical bill was submitted to them in XXXX. 

When I contacted XXXX XXXX XXXX XXXX in regards to the original medical bill they wasnt able to provide me with any information. They only information they were able to provide was my name and that the invoice had the wrong insurance company information on it. They werent able to provide the doctors name or invoice amount. 

The representative ( XXXX XXXX with XXXX XXXX XXXX XXXX informed me that this debt was sold to XXXX XXXX XXXX and he didnt have a record of Commonwealth being the collection agency and he wasnt sure why they referred me to contact them because there was nothing they can do. 

I feel this is not fair to me because I never received a copy of the bill. Im not sure who is at fault with providing incorrect information, if its the hospital but Im suffering from it. When I spoke with Commonwealth they informed me they would not remove this from my credit report unless I pay the full {$960.00}. 

I truly believe this is not my bill because all the bills submitted for service on that day was submitted to my health insurance company and they were paid. I also asked Commonwealth why did they wait so long to report this to the credit bureaus and they stated because they just received the medical bill in XXXX XXXX. 

If data is being passed from XXXX to collection agency to collection agency their might be an error with incorrect data being reported. Please look into this issue and remove this incorrect data from my credit report because the original creditors are not able to assist me.
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (GA)

I am trying to use XXXX XXXX with the card that 's been on file yet for some reason its not connecting or verifying my card when its valid and the app is n't properly logging my hours to match my pay.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TN)

My home was foreclosed XX/XX/2016, My property deed was recently reinstated and I have been making monthly mortgage payments since XX/XX/2016 to Ocwen Loan Servicing. The deed has not been reinstated with the XXXX County Register office and the property is not showing in my name. Since Ocwen Rescinded the property foreclosure
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IL)

In XXXX 2016, a collection account began reporting to my various credit reports by XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. 
Moreover, the report claims that I made a payment of {$110.00} in XX/XX/XXXX, yet the balance remains the same. In my dispute, I noted that XXXX XXXX XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. 
I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (TX)

DiTech Mortgage is improperly placing a 30 day late on my mortgage trade line. I make extra payments nearly every month, just in case a payment isn't received by mail, or if payment changes and I haven't been warned ( See attached Payment History ). I received a notice that showed an account number different than the one I have on my ACH payments from XXXX XXXX. There are 2 accounts with DiTech that are in my name, but one of them is managed by my ex-wife and has been for over 10 years. So, I thought it might be hers. I would have been able to take care of this notice of short payment if the letter had the property address on it, but it didn't. I found that really odd. So, by the time I was able to hear back from my ex-wife, we were at the XX/XX/XXXX and a bit over {$100.00} was due. Since I was not at home or had bank routing information when speaking with a diTech representative, I had no choice but to send an ACH payment THAT DAY from my mobile phone ( See attached DiTech Supp Pmt ). My bank shows to have executed a payment on XX/XX/XXXX. DiTech is noting they didn't receive the electronic payment until XX/XX/XXXX ( See Payment History ). DiTech also is not applying my money payments WHEN RECEIVED. They claim to keep money " in suspense '' until the full amount is paid. My note ( See attached ) makes no mention of lender being allowed to hold payment and not apply it to the balance immediately. They are also not sharing with me where the money is being held, if it is collecting interest, and who is entitled to that interest. I ask that DiTech and ALL OTHER lenders CEASE and DESIST from this business practice of holding money in suspense. 

So, the bottom line is that I am paid well in advance of my amortization schedule, I pay extra every month so that nobody may report me as not being credit worthy, or paying back on time. I feel they are trying alternative ways to make money. I want late fees credited, the 30 day late removed from my credit, and a letter from DiTech stating their apologies for improperly handling this matter.