davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX was the executrix and sole heir of XXXX XXXX estate. XXXX XXXX passed away on XX/XX/XXXX. She had no children and did not leave a will. As her common law husband of 49 years, I am her sole surviving heir and a successor in interest. 

My completed loss mitigation application, submitted on XX/XX/XXXX, included a copy of the deed conveying the property from my wife to me. The attorney for the servicer requested additional documents ( death certificate for my wife and hardship letter ), which I submitted on XX/XX/XXXX. The complete loss mitigation application constituted a written request to be confirmed as a successor in interest. 

On XX/XX/XXXX, I contacted Citizens regarding the status of my loss mitigation application. The representative I spoke with said there was no application pending, even though Citizens counsel confirmed there was. By refusing to communicate with me about the status of my request to be confirmed as a successor in interest, Citizens failed to comply with federal law. 

On XX/XX/XXXX, Citizens requested documentation proving that either XXXX XXXX or I am a relative of XXXX XXXX. This request is unreasonable and unnecessary. XXXX XXXX was the executrix and sole heir of XXXX XXXX estate, and Citizens had previously recognized her as the successor in interest its XXXX complaint against her. The Complaint filed in XXXX included a deed granting title from XXXX XXXX XXXX to my wife, XXXX XXXX, and it included the letters testamentary granted to my wife over XXXX XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent a Notice of Error outlining the above allegations. Citizens has still not responded to my Notice of Error, even though federal law requires a response within five business days. 

Citizens should immediately confirm me as a successor in interest to XXXX XXXX and communicate with me regarding my complete loss mitigation application.
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have repeatedly requested verification for the debt that they are trying to collect in the amount of {$1300.00}. I have sent 3 certified letters with return receipts requesting this information and to date have had nothing showing they have the legal right to ask for this money.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NH)

Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do
Consumer complaint received 2017-04-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CASHCALL, INC. (AL)

This debt was cleared in chapter XXXX - they have been told repeatedly since they started calling me after I completed chapter XXXX in XX/XX/XXXX/XX/XX/XXXX that it was included and it was illegal for them to try and collect. They have harassed me on and off since and would stop when I threatened legal action last year. Now they have reported to my credit report
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HANCOCK WHITNEY BANK (MS)

I was charged on XXXX {$100.00} and charge again on XXXX $ XXXX charged on XXXX XXXX XXXX I realize that my charges I had over a draft protection an my charges were totaling {$130.00} the bank charged me {$250.00} my only income is a total of {$930.00} a monthly I get on the XXXX {$830.00} an on the XXXX {$91.00}. XXXX totally {$930.00}. 00 monthly I I called them and they said they would return my call somebody call me back and nobody ever called and has it still and that's been XXXX days ago all I have to live off nothing else my checking account has {$570.00} in it right now I have that's why I'm reaching out to you this is ridiculous I can't afford this I pay {$350.00}. XXXX rent an live in a rv from having to bury my son no insurance I'm not going to be able to eat you know I suffer from XXXX I lost my XXXX son 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 in XXXX my XXXX is Extreme right now this right here is just adding to it if there's anything somebody can do this is an injustice please help me I'd really appreciate it please help me thank you God bless XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Mississippi XXXX my email address is XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2017-04-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation (TX)

I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. 

XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX and list of Inquiries 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 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove the different variations of my name, incorrect addresses, incorrect telephone numbers, incorrect social security number, and non factual unauthorized hard inquiries from the following : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.I received a response 4 days after my dispute it can be assumed that there was no investigation. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information and for non factual unauthorized hard inquiries that does n't belong to me. I did n't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Aargon Agency, Inc. (CA)

Collection agency sent me a letter saying I owe {$150.00} to XXXX. I paid full balance of {$62.00}. I have their receipt stating a {$0.00} balance after the payment of {$62.00}. I sent an email to this collection agency attaching the receipt and I never received any a response. To anyone reading this I do n't recommend XXXX. They were nice before, but as soon I accepted their services they forgot about me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. Caine & Weiner, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. 
Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Received an Amex egiftcard for XXXX, however unable to use at various online stores, such as XXXX. Contacted Amex on XX/XX/XXXX to register card to my address, however still unable to use at an e retailer. They advised to use it in a physical store. Added to my XXXX XXXX XXXXand attempted to use in store on XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX However all declined. Contacted Amex on XX/XX/XXXX, and they advised XXXX and XXXX XXXX are restricted vendors due to security reasons. They advised to keep trying different stores, both online and in store, but they do not have a list of restricted vendors. When asking for a physical card with the remaining balance, they advised they can not issue and e payment as a physical giftcard. I am unable to use AmEx e-gift card at any retailers that accept amex payments, despite AmEx Gift card being advertised as such.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

This account was opened on the following date : XX/XX/XXXX There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX XXXX and Experian failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY (MA)

I had applied for a furniture loan from  XXXX   XXXX   XXXX  in  XXXX  Massachusetts. They have a promotion going and I feel its a fraud when it comes to loans. Everyone that applies for a furniture loan gets denied during this promotion. I tried on my own. got denied I tried with a cosigner got denied. I had a sister try by herself who has a  XXXX   credit score a nd makes  XXXX  a year got denied. So basically their only wanting you to pay cash for the furniture during this promotion. I should have the right to opt out of the promotion and just get loan for a   XXXX   couch. I contacted the company and no response for the decision
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

**Complaint Regarding Credit Reporting by PennyMac Loan Services** *Date : * XXXX XX/XX/year> XXXXLoan Number : * XXXX *To : * Consumer Financial Protection Bureau ( CFPB ) *Subject : * Inaccurate Credit Reporting by PennyMac Loan Services I wish to file a formal complaint regarding the erroneous credit reporting related to my loan, number XXXX, by PennyMac Loan Services on XXXX XX/XX/year> XXXX This inaccurate report was sent to at least one credit reporting bureau and contains the following issues : 1. **Incorrect Loan Balance : ** The report indicates an incorrect outstanding loan balance of {$440000.00}. This figure does not reflect the actual amount owed on my loan. 

2. **Incorrect Account Status : ** The report also states that my account is past due, despite there being no missed or late payment for the month of XX/XX/year>, as evidenced by PennyMac 's own payment system on XXXX XX/XX/year>, where no payment was recorded as overdue. 

3. **Violation of Forbearance Agreement : ** The current reporting fails to acknowledge the forbearance agreement in place with PennyMac Loan Services . The erroneous reporting disregards the terms of this agreement, which directly affects the accuracy of the credit report. 

I kindly request immediate correction of these inaccuracies and confirmation of the updated and accurate reporting to the relevant credit reporting agencies. 

Yours faithfully, XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX, I received a call from them XXXX that I owed a debt after I notified XXXX XXXX to send me a validation letter they went off to tell me to give them my email. I told them to send me a validation letter thru mail in which they seemed to have my address and include all info I needed from them. Very rudely he said u already know what u owe even to call me a rude name. This is very rude and unnecessary tactics and very unprofessional and he did not have to call me an unpleasant name. Please investigate this company. This was my first time speaking with them this is very unfair and did make me feel uncomfortable.
Consumer complaint received 2023-08-02
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 am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXXXXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX has not provided documents of late payments which I also requested.
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

I applied for PLSF on XX/XX/2023 through XXXX. I applied to consolidate my loans appropriately, too. I got an email on XX/XX/2023 telling me that no further action was needed. When I checked the website next, in early XXXX, it said that my e-signature request has expired. XXXX does not allow me to register an account, which I was instructed to so to upload my signature. I don't know how to reapply for PLSF, and now I have an IDR Plan Request on my account pending. I want PLSF. I saw EdFinancial has been sabotaging these applications and I am worried it happened to me.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX