davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
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)

XXXX handles Perkins Loans for XXXX University. I have not been a student since XX/XX/XXXX years. I only had sub and unsub direct loans but there is a perkins loan is not mine. Additionally, I received a letter stating that all my institutional loans were forgiven. I reached out to XXXX, Experian and the Department of ED to get the fraudulent entry removed from my account. When I spoke to XXXX they sent me Disclosure paperwork and a Master promissory note that wasn't signed by me and they all had different dates. The dates were also different that what was in NSLD database. I reached out to Experian and gave them all the information regarding and, I see that this loan was reported on my credit report XXXX of this year.After several calls between myself, experian, XXXX, XXXX, and the department, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to Experian, when I dispute this, they correct information instead of just accepting the dispute. And finally, this loan could not have been mime because i filed for bankruptcy in XXXX and awarded full discharge!! If this was mine, it would have been included ( perkins loans can be included ). This loan is fraudulent and I'm out of options
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (MI)

Are mortgage transferred to mr. Cooper also known as Nationstar in XXXX of 2019 we were not properly notified of the time of the transfer in XX/XX/2019 I received a phone call from mr. Cooper stating that I had a back balance owing and was I aware that our account and transfer. At that time I stated to them that I was not aware and that I wish to pay the amount up to date in full I was provided an amount and paid that day. I was done reported 30 days late to the credit bureau even though my payment after the transfer had fallen within the grace. I contacted them and submitted a dispute to which the updated the payments to on time only 30 days later to again report it as 30 days late I contacted mr. Cooper to inquire as to why I was 30 days late and they stated that I did not pay the XXXX payment on time I submitted a dispute on that which they did not update to on time since the ketchup payment in XXXX from the transfer I have made Regular monthly payments on time. I am trying to recuperate my credit after a devastating family situation and they should be more on top of things as far as when someone says I want to pay my account in full to provide them with the full amount due
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Focused Recovery Solutions, Inc. (VA)

I am filing a complaint against the company for violating my consumer rights. I initiated a dispute and request for validation through the credit bureau and sent the company a written request for proof of this alleged debt. In this communication to them, I gave a reasonable time frame for the company to respond in writing ( 30 days ) and also requested that they cease and desist any verbal communication. The company has ignored my request for proof of this debt and has also violated the FDCPA by continuing to place calls to me. On XX/XX/19, A representative contacted me by phone against my wishes. I explained that I do not believe this to be a valid debt and advised her that I sent a request for validation with an updated address for all communication to be sent to me in writing. The collector told me they are not required by law to provide proof of the debt and would not be providing validation. I explained that the law states if they choose not to validate the debt, they must stop all collection activity which includes credit reporting. She proceeded to try and argue with me and started to raise her voice and speak to me in a condescending tone even while I remained calm and professional. This company is blatantly disregarding the FDCPA and FCRA. They are refusing my rights and also reported back to the credit bureau that the information is certified as accurate. They have yet to send me any documentation to validate this claim.
Consumer complaint received 2019-08-30
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 am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.
Consumer complaint received 2023-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (LA)

XXXX XXXX  Someone opened an Affil account In my Name and used my Social Security number, The house address is XXXX XXXX XXXX XXXX XXXX La XXXX Im I was un aware of this action, Please Contact me or notify this person ASAP
Consumer complaint received 2019-08-29
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: WELLS FARGO & COMPANY (VA)

The claimant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ***Legal Notice & - Complaint- XX/XX/2019 - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - Today is XX/XX/2019 This is a final notice demanding from Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) to please comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. 
To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. 
- - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. 

_____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. 
- Sincerely, -. 
_______The claimant ._______ -XX/XX/2019 - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. 
XXXX receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XX/XX/2019. I reserve all my rights.-
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (TX)

XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/XXXX
Consumer complaint received 2019-08-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am writing to dispute the amounts on our Loan Modification with  Chase, which was dated XX/XX/XXXX. Our original Mortgage, dated XX/XX/XXXX began with an original unpaid principal balance of {$86000.00}. The Loan Modification recites an unpaid principal balance of # XXXX and an additional {$29000.00} with a new unpaid principal balance of {$110000.00}. I have requested information from Chase Specifically, 1 ) What was the original unpaid principal balance when the Loan Modification was written.

2 ) How the new unpaid principal balance was calculated and or adjusted 3 ) How the additional adjustments were calculated and what they comprised of. 

I have requested copies of mortgage statements 3 years prior the the modification so that I can see the unpaid principal balance. Their response only consists of statements which I do not understand and work off of the current unpaid principal balance, NOT FROM THE ORIGINAL MORTGAGE. Our mortgage was 16 years old when this modification was written and the new unpaid principal balance incurred over an additional {$30000.00} in adjustments! 

I feel as though we were victimized by Chase and taken advantage of during our financial distress. This modification was written during a time when thousands of foreclosures were being penned through with unfair practices and fraudulently inflated expenses.

We feel as though the amounts on the Loan Modification are unjust and overly inflated.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX XXXX Equifax published a derogatory mark on my credit for {$1400.00}. 
I tried to applied for credit card on XX/XX/XXXX of 2019. I got declined because of the dergatory mark. My credit score is really low. I can't do nothing to boast it up. I dispute with Equifax 3 different times. I got declined all 3 times. I faxed them my Id and social security on XX/XX/2019. I called back a week later and nothing they said they didn't get my file. So I'm trying really hard to get this off of my credit report. I dispute with other credit bureaus and got it all off. The only one I can't get it off of is Equifax. They are very lazy.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I was targeted to receive a {$300.00} bonus. I received a flyer in the physical mail ( code is : XXXX ) I took it to my local branch and sat down with a personal banker by the name of XXXX. I gave him the flyer and he did the rest. I signed all the papers and that was it. I was to make 2 or more direct deposits totaling {$1000.00} within 60 days. Did that. I was to receive my bonus in 60 days of DD verification ( XX/XX/XXXX ). I called and spoke with XXXX on the XXXX and the XXXX of XXXX. Both times saying to check back on Friday of that week. The bonus still not showing up. I then called the XXXX #. They said they would e-mail their promotions department. That could take another week! All I want is the bonus in a timely manner. That's not much to ask.
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Primus Law PC (UT)

I received a debt notice that is obviously not mine. I have tried to contact the associated law firm but I have only gotten voicemail. This is for a missing XXXX for a high school student that is not my child. I believe that this debt is fraudulent, and I have to question the validity of any other debts that I may or may not be responsible for in their office. The document clearly shows that this debt does not belong to me, and they are threatening to sue me over it. 

The law firm 's name is Primus Law, PC. Lawyer 's name is XXXX XXXX XXXX. I requested any and all paperwork they have regarding my supposed debts, which I received on XX/XX/ ( file number XXXX ). ID # XXXX with XXXX XXXX XXXX as the debtor. I know this document was researched by this firm because they sent me a scanned copy of it. It clearly lists who the debt belongs to, but for some reason my Wife 's name is hand-written on the copy with a false phone number. I believe that this is a predatory operation and I question the legitimacy of their law license. 

Anyone who is literate will immediately understand that this is not my debt. 

Please contact me at your earliest convenience.
Consumer complaint received 2023-04-11
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-11
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: Army and Air Force Exchange Service (AL)

I requested a goodwill forgiveness from AAFES/MILITARY STAR for late payments on my account, which was granted. I explained I had been medically retired and at 100 % XXXX and was trying to repair my credit after also being divorced. I was thrilled that my request was granted. It was after that request that my account that was paid in full had the status change after more than a year. Upon being granted the late payment forgiveness, my account status began being reported as charge off and in collections status. I am pleading that this status be changed from derogatory and removed from collections. I retired XX/XX/2020 and my remaining account balance was taken from my taxes before the account was reported as collections or charge off.
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: FCN Catalogue & Equipment, Inc. (CA)

I received a payment reminder 2 days ago when I responded to the text it was then and only then that I learned that the money 's I was to pay them was going to interest and not until the 5th payment would anything go toward the principal that was the first I ever heard of such a thing the terms that I was told and understood was that on {$1000.00} I was going to be charged {$300.00} and the first payment of {$300.00} was due on XX/XX/XXXX which was fine and then the next two payments would be for XXXX and the payment and that they would be directed toward the principal which was {$1000.00} and then the loan will be paid off well their response was that whatever I pay over the XXXX would go toward the interest not the principal and that the principal payments would not begin until the 5th payment which means I would have had to pay {$2300.00} on {$1000.00} loan never ever agreed on this never knew about it had no knowledge about it did not confirm it because I would have said no way they were deceptive deceitful misrepresented the elder abuse and basically a bunch of scam artists and liars and they tell you one thing and then do another thing and try to rob you blind blood money is what they want and blood money is what they've seem to want to get they're disgusting and I even received texts asking them to provide me with this confirmation of such a thing and then I never got it when I can pay it off XXXX dollars if I pay before the XXXX then I got another one saying that they wanted XXXX again if I pay it off by the XXXX and then they process a payment that I never confirmed our date intent to do which was 2 days ago and it made my account overdrawn because I'm on Social Security and the money wasn't even in there and I want to pay them back but but the kids attacked if they use were so deceptive I don't want you anymore I think that they need to pay me for the troubles that they have put me through and the stress to my heart and my physical well-being
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Marlette Funding, LLC (ND)

Best Egg is basically calling my place of employment multiple times a day almost every day of the work week. I need this to stop for as I am in fear of losing my job because they constantly harass my place of employment. I have XXXX along with XXXX which stems back from a work accident which killed a coworker right in front of me. Im pretty much XXXX as since my wife and I had to move in with my parents. I am very worried that my employer may take action against me for the harassment coming from Best Egg Financial
Consumer complaint received 2023-04-11
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: Amsher Collection Services, Inc. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from AMSHER COLLECTION SERVICES on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 9 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi Priority Checking Account in XX/XX/2023 as it advertised to provide 50000 miles of XXXX XXXX when I opened it. 
I finished all the requirements on XX/XX/2023 : 1 or more bill payments and spending $ XXXX with its debit card. But I still did not receive the promotional offer yet even after I asked the Citi agent to check it on XX/XX/2023.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-07-16
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. (CA)

Submitted request asking that duplicates and items that were over 7 years old be removed from XXXX, XXXX and Experian. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (LA)

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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, XXXX, Tranunion isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Consumer complaint received 2023-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NY)

My mortgage company after I was in a XXXX forbearance was with Suntrust and it got transferred to truest bank. They would not send me the packet to sign and notarize to have my payments put on the end of the loan. It went on and on they told me not to make payments because they could not accept them without the packet being signed and notarized. I never received it I called and called I never received it they got promising but would not send it. Now they are saying that theres a lien that came forward and they cant honor the XXXX forbearance