davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have recently become an adult and monitor my account like I should. I purchased a myfico account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Consumer complaint received 2017-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (SC)

On XXXX XXXX XXXX TD Bank Locked My Account Holding Electronic ACH Deposits, I Have Made At Least 10 Phone Calls With No Resolution To This. My Debit Card IS Also Locked They Refuse To Let Me Close My Accounts and continue to charge a monthly fee depleting my balance the balance they wont let me access they tell me they dont know how to fix it and have given me no means to resolve it
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shermeta Law Group, PLLC (MI)

Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.
Consumer complaint received 2017-11-12
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. (GA)

cybersecurity incident Equifax on XXXX XXXX, XXXX notice of data breach. I got letter XXXX XXXX. I used a mastercard to pay for a credit freeze service with Equifax, XXXX XXXX my name was accessed, along with my name, address, and the expiration date of the card used. before I got this letter, I had tried to make a purchase my card it was declained. I called credit card company I was told there was a breach and I would be sent and new card by mail.
Consumer complaint received 2017-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.
Consumer complaint received 2017-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (GA)

I got a loan of {$700.00} on XXXX/XXXX/XXXX from XXXX. I have paid 4 payments of {$260.00} since my first payment ( monthly ) on XXXX/XXXX/XXXX. Before my third payment I called to ask the exact amount for payoff of this loan and was told $ 900+ which I could not pay at the time. I assumed after the third payment and the 4th payment my total payoff would be much lower so I called before my 4th payment to ask the payoff amount so that I could get this bill over with and was again told the payoff amount was $ 900+. I have paid {$1000.00} as of my 4th payment on XXXX/XXXX/XXXX. I feel that I have paid my original amount of {$700.00} plus {$350.00} in interest. 

Now, I am beginning to feel scammed because that is enough for a {$700.00} loan. I am a senior of XXXX years old on a fixed income, and this becoming unbearable  for me. I have borrowed from XXXX  before and only paid approx $ 100-200 depending on the amount borrowed, however, I always made the loan off on the first due date, this loan of {$700.00} is the first installment payments I have made. I am scared and know this is wrong, so please help me with this
Consumer complaint received 2017-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact Transunion, XXXX, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.
Consumer complaint received 2017-11-12
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (CT)

On Friday, XXXX XXXX, 2017, around XXXX, XXXX , XXXX Ext XXXX, from Reliant Capital Solutions elected to locate my grandaughter 's, associated with my grand daughter to call my home demanding to speak with my grand daughter. 
I played the game to attain info to report. My daughter has a college debt, she is paying down accordingly. This XXXX guy noted I WILL 'NOT SPEAK WITH ANYONE ' BUT XXXX . 
SHE IS AN ADULT, My daughter handles financial matters as XXXX attends college, has no income, by daughter supports XXXX 's financial needs. 
I advised XXXX that the call will NOT be passed on. My daughter was deeply hurt and angered as she is paying the balance, but XXXX INSISTS ON EXCLUSIVELY SPEAKING WITH XXXX TO TAKE ADVANTAGE / HARASS HER. WE protect our children from preditors, XXXX is a preditor. 

XXXX need to be directly advised of the threatening implementation of his calls. 

XXXX XXXX Grandmother
Consumer complaint received 2017-11-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

See my complaint attached. See XXXX XXXX vs. XXXX XXXX Transcript attached. See emails attached. I am waiting for Ocwen Loan Servicing counsel XXXX XXXX to respond to my email providing me with a good a day and time when my FBI forensic signature expert can authenticate the American Home Mortgage Modification with my forged signature. The Schedule A with my forged initials. The void assignment and the Manufactured Note. I have attached a part of the 2010 transcript of robo-witness XXXX XXXX swearing under oath to have all the records with him during the trial. Robo-witness XXXX XXXX changed his stories multiple times recalling things from his memory and remembering things around this day and that day. Having no records of amount owed on the bogus loan. Robo-witness - I do n't know of the exact amount! The Judge - the witness could not lay a foundation. XXXX XXXX - XXXX XXXX XXXX owe more then {$300000.00}? The Judge - He said he do n't know! Robo-witness XXXX XXXX either had all the records with him or his did n't? XXXX XXXX, American Home Mortgage and crooked attorneys committed fraud upon the court to be guaranteed favorable judgment to embezzle my home doing the time I was declared permanently XXXX hospitalized and unable to defend myself. Ocwen Loan Servicing unorganized crime operation and its shady pathological employees who lie through there teeth are attempting to illegally embezzle my home to enrich themselves. Ocwen Loan Servicing is the  worst unorganized crime operation of them all. How much more will the American people take?
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I disputed a XXXX  ( public record ) on my Experian credit report and it came back as verified with XXXX XXXX. 

I have contacted XXXX XXXX in the past and the public record was deleted from their records. 

When I disputed with Experian it keeps coming back as " verified '' which is incorrect. 

I called XXXX XXXX several times and they cant find the XXXX  public record on file. 

Therefore, I don't understand how Experian keep verifying with XXXX XXXX regarding the bankruptcy. Please remove from my credit report due to unverifiable information from XXXX XXXX. Experian keeps going off already investigated results from past disputes and keeps putting the same reason. 

I also attached a letter from XXXX XXXX court where it was filed and they don't release information regarding XXXX. 

XXXX XXXX sent a letter stating and verifying they don't have any public records for XXXX  under my name XXXX XXXX that Experian isn't reporting correct information. 

I have attached proof from XXXX XXXX XXXX XXXX XXXX XXXX .... 

Please have Experian delete the XXXX  from my credit report immediately, They're reporting false information.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion makes it very difficult to determine how to attach a credit freeze without paying for their ridiculous monthly service. By comparison, the others have it as a clear prompt on their home page and it costs {$5.00}. 

I have tried numerous times to call and log in online and the call has been dropped 3 times. Online, I end up in a loop where it does not accept my password, nor let me change my password. 

I was able to get my free credit report from TransUnion, but I do n't want any of their other garbage products. I simply want to put a freeze on. I 'm frustrated that they make is so difficult. I have not been able to do it.
Consumer complaint received 2017-02-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oakridge Direct Solutions Inc. (TN)

Oakridge is the company name. All threats are about legal actio. It 's a male calling someone else and me but wo n't disclose any information he just threatens me. Listed phone number is  (   XXXX   )   XXXX . He never identifies himself. He is extremely rude and says he 's going to do a lien and law suit. Says he will see me in. Putt but had been doing this for a year now and I still do n't have any idea why. It 's ridiculous.
Consumer complaint received 2017-11-12
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: Experian Information Solutions Inc. (GA)

I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, Experian, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards account.
Consumer complaint received 2024-10-04
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: WELLS FARGO & COMPANY (MA)

I was alerted by my credit card with XXXX XXXX  that my credit score dropped XXXX points. When I checked to see why, I noticed that 6 different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXX of XXXX '' XXXX. " XXXX XXXX NA '' XXXX. " XXXX XXXX XXXX '' XXXX. " XXXX XXXX '' XXXX. " XXXX XXXX  XXXX '' XXXX. " WFBNA CARD '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Consumer complaint received 2017-10-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally, they exceeded the XXXX response required by FCRA rules. Initial investigation started approximately XXXX/XXXX/XXXX Please see enclosed itemsACCOUNTS XXXXP XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SB XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX FEDERAL XXXX XXXX/XXXX/XXXX BK CHPT XXXX COLLECTIONS XXXX 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 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. Equifax, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I signed up for XXXX so sometimes the people email me about working for them and XXXX or being a my for their child. I had received a email XX/XX/XXXX saying that someone wanted me to contact their sister because she 's interested in me being a XXXX for her child. I emailed the email she had gave me giving them info about who I am and my experience in XXXX XXXX. I received a email back the same day and it said they 're interested in my working for them and being XXXX for their child and that they are on vacation in pureto rico right now so I would n't be XXXX until they came back. I was told I was going to receive a check they wanted me to cash and take my first weeks pay and send XXXX to the " landlord '' for Their house. When I received the check in the mail the next day I went to the back to cash it at Santander and I was told it would take a couple of days to go through. I went back the next day and met wit a lady there and she told me the check was fake so I texted the number I was given in my email and said that the check was fake and the person kept denying it and while I was texting the person I was still with the lady and she told me to prentend like the check went through and lie to the person so that they would send me the account number and so the person can send the account number so they could track who sent me the fake check. But the person did n't send the number so I told them I will be reporting it and I hope they have fun getting locked up. I 'm on here because I go to XXXX XXXX XXXX in Vermont so I 'm nowhere near XXXX XXXX in XXXX where I was when the incident occurred.