davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally address and dispute the collection account being reported by XXXX XXXX, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with XXXX XXXX, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to XXXX XXXX regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support XXXX XXXX ' claims to the contrary. 

Furthermore, XXXX XXXX lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by XXXX XXXX, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by XXXX XXXX or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward XXXX XXXX due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither XXXX XXXX nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, Equifax, XXXX, XXXX XXXX, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or XXXX XXXX are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by XXXX XXXX and XXXX XXXX until these issues are satisfactorily resolved.
Consumer complaint received 2024-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I already have three previous complaints. The latest was XX/XX/. It would seem Truist has no intentions of correcting the issues. I will continue to make payments to " other '' options. There's no option for principle and interest payments.
Consumer complaint received 2024-05-09
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. (TX)

I am a victim of identity theft. I have reported this Three times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX XXXX XXXX XXXX Wrong addresses reporting
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I am eligible for XXXX XXXX XXXX XXXX but Mohela can not get my payments correct. The dates of employment I submitted are entered in incorrectly, the amounts owed have changed drastically over the past several months, and I have made XXXX payments of the XXXX required but only XXXX are counting. This system and the rules are confusing and difficult to access so I overpaid for years. All of these extra payments have been deemed ineligible because it was during forbearance but I was working full-time at my university then so they should count. Last month I got a notification that XXXX payments out of XXXX counted. Every month I get drastically different information about whether my payments count and how much I currently owe. 

On the main account page it says my next payment of {$330.00} is due on XX/XX/2028 because of all the extra payments but I just got a statement saying that {$1100.00} is past due from last month. Which one is it? And shouldn't all of my extra payments be applied toward loan forgiveness? 

It is impossible to get someone on the phone ( I have tried 3 times and I get disconnected or never called back or called back at times when I can not pick up ) and unclear what I should be doing now. 

The bottom line is that I have made many more payments than I needed to in order to qualify for loan forgiveness and my loans should be forgiven. I have paid into the system much more than I needed to and have been paying my loans off consistently for over 10 years at qualifying institutions.
Consumer complaint received 2024-06-27
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. (TX)

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report. 
They are hurting my ability to get credit. thank you very much and blessings
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

My information was illegally bought and sold as a result of the XXXX data breach. I have attached proof from XXXX confirming I was a victim of the breach. 
XXXX and XXXX have acknowledged this fact and taken action to delete the items from my credit report but Experian has done nothing. 
I have made over XXXX formal, written requests ( example response attached ) to Experian to directly validate these items and delete them but they have not. 
I believe they are outsourcing the validation to a third party called XXXX XXXX and I think the third party is using data that is inaccurate due to the XXXX data breach. 

In XXXX, I started noticing an increase in illegal activity with my compromised information that correlates to the time immediately following the XXXX breach. I've attached XXXX examples including another data aggregator which is likely used by Experian. 

In XXXX, I started seeing more inaccurate information on my credit reports. 

In XXXX, the trend continued with inaccurate personal information and public records being reported. 

The point is that Experian is using data collected by a third party that has bad information and Experian can't validate the accuracy of these items on my report themselves. 

All of this has hurt my ability to pass background screenings for employment and qualify for home and auto loans.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

The Servicer on the loan is : GREGORY FUNDING The person in charge of the Short Sale : XXXX XXXX I am trying to get a Short Sale Approval since XXXX, XXXX An appraisal was done on XX/XX/XXXX ; however, Gregory Funding DENIED to give the results of the appraiser, but request a Counter offer for {$460000.00} which was provided on XX/XX/XXXX However, they DENIED the Short Sale because they were asking to close in less than 30 days, and the contract was specific in this : CLOSING AFTER 30 DAYS OF APPROVAL A new complete package was sent on XX/XX/XXXX with a {$460000.00} offer, and XXXX XXXX sent the complete package to the Lender on XX/XX/XXXX, by next day XX/XX/XXXX the Servicer sent a DENIAL letter on the Short Sale specifying that the offer was not enough, and that it was under the market price ; THEY DID NOT ASK FOR A COUNTER OFFER AT THIS TIME. 
Moreover, GREGORY FUNDING " revoke '' all 3rd party authorizations including the realtor XXXX party authorization. There is NO transparency from Gregory Funding in this process, and servicer does not want to provide the appraiser results, so we don't know how much the property appraise at this time. 
Gregory Funding specifically Miss XXXX XXXX called the borrower stating that the lender and her do not want to work with the Realtor from the sellers " XXXX XXXX '', and that this is why they are not moving forward with the short sale that we should find another realtor
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (AZ)

XXXX, XXXX XXXX  XXXX, XXXX, VA XXXX has been billing me weekly for well over a year. I have contacted them between XXXX and XXXX times reporting to them that this is not my account and that it is fraudulent. They have zeroed out my balance every time and have assured me that they would cancel the account, but I would still get bills weekly. XX/XX/2024 they sent me a collection notice that I received XX/XX/2024. I called XXXX on XX/XX/2024 and once again reported that the account is fraudulent and they once again assured me that they would take care of it. I have now received a collection notice from Synter Resources Group, LLC attempting to collect money for this account that is not mine.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Admin Recovery, LLC (CA)

I went to XXXX XXXX  Located at : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX I did an special order on XX/XX/XXXX of several pieces of furniture. 
Since it was a special order there was no cancelation or refunds on it to which I agree. I waited for the order to be delivered On XX/XX/XXXX I received a phone call from the delivery guy that was going to deliver the dresser. All I said was that I wanted to wait for the rest of the furniture to be delivered. The delivery guy took it as not wanting the furniture. It took almost a year for them to send me to collections because of the policy I have signed. I was calling the furniture store wanting to know if they still had the furniture that I was willing to take it. 
The answer was that it was sent back. How am i suppose to pay for furniture that i never received. The last time I called the furniture place the guy that was helping me was rude and said I was too difficult to deal with. Now am getting a letter stating that they are willing to reduce the debt of {$6100.00} to {$3000.00}. It's not fair that a misunderstanding in the language can turn a I'll wait to and I don't want it.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, XXXX, CT XXXX Account Number XXXX DEBT {$210.00} THIS COMPANY REPORTED {$210.00} DEBT TO XXXX, XXXX, AND XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND THIS COMPANY IS NOT LICENSED TO COLLECT DEBT IN THE STATE OF GEORGIA. 
I ATTACHED A SCREENSHOT OF WHERE THEY ARE LICENSED AT.
Consumer complaint received 2023-10-23
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. (TX)

There is an inquiry from XXXX XXXX on my credit profile with XXXX that I do not recognize from XX/XX/2023 thats not mine. 

There are also incorrect inquiries on my credit report with TRANSUNION that I do not recognize that arent mine on XX/XX/2023 at XXXX XXXX  XXXX, XX/XX/2023 at XXXX and XX/XX/2023 at XXXX XXXX XXXXXXXX. 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I alerted citibank that XXXX unauthorized amounts were withdrawn from my bank account : {$430.00} for XXXX {$70.00} for XXXX {$10.00} for XXXX I DID not authorize these amounts and they are not my charges. 

Citibank informed me that it would take 10 days to receive a credit, then they changed their story to I need to " wait for a letter ''. I never received any letters. I spoke to someone again on XX/XX/XXXX and they told me on XX/XX/XXXX to reach out and if no letters arrived, I would be given a provisional credit of my money. 

Today, XX/XX/XXXX, I called them back and they said that the claim had been closed, the bank determined none of my money was taken, and that I wont be receiving a credit. 

I am missing {$510.00} from my Citibank debit account at this moment. I don't know why they are claiming that it wasn't taken from my account when I have told them these charges were not mine, but this is where we are.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (GA)

I called into experian today on XXXX XXXX 2024 in order to dispute some inquires on my credit report. I was transferred to the XXXX department in order to speak with XXXX about these inquires on my credit report. I explained to XXXX i was involved in XXXX data breaches in the last XXXX years that i was unaware of. I also let him know i did not apply for any XXXX LOANS IN 2023. After this XXXX proceeded to cut me off and let me know i couldnt dispute this info with EXPERIAN due to them not being the ones who placed the inquiry. He told me that he couldnt verify weather these inquires were valid or not. I then advised XXXX it is under the FAIR CREDIT REPORTING ACT HE SHOULD REPORT ACCURATE AND VERIFIED INFORMATION ON MY REPORT. He then proceed to advise he couldnt help me with this issue.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these items. It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (TX)

On XX/XX/XXXX I sold my trailer to Buyer... I have a bill of sale and AZ ADOT Release of Ownership/Sold Notice. On XX/XX/XXXX I received Letter from Linebarger Goggan Blair & Sampson LLP ( Attorney At Law ) stating on XXXX there were 2 violations # XXXX and # XXXX for {$6.00} each that I owe with additional fees. I did not own this trailer after XX/XX/XXXX. I have certified mailed and faxed to LGBS all documents as a rebuttal on XXXX XXXX after making several phone calls to them between XXXX XXXX and researching documentation to be sent to them on XX/XX/XXXX, I made several calls to LGBS asking if they received and reviewed the documents. I requested they send me documentation they have dropped these charges as I also included DELDOT documents showing the charges were paid by new owner. LGBS now on XX/XX/XXXX are sending me a letter that claims no one with this firm has reviewed the particular circumstances of my account. But included another letter saying I owe them once again! Once again... I did not own this trailer at the time of the charges and did not incur the toll charges and documents have been sent to LGBS as proof of this. I want them to cease and desist as if they would review what I have sent them I would not be spending more of my time and they would not be spending their time either! If you need the documents I am happy to send them to you for review.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VA)

XXXX XX/XX/2023 : I was the victim of a computer hack. Warning messages appeared on my screen saying I needed to take immediate action. My family financial security was threatened. I foolishly allowed the hacker access to my computer and eventually was contacted by a cyber criminal posing as a XXXX agent. I was subsequently scammed by this fake XXXX agent and a fake Barclays agent and instructed to proceed to a local XXXXXXXX XXXX hardware store and purchase XXXX separate {$2000.00} gift cards. My attempts to contact a legitimate Barclays rep and sort out this ongoing scam were not successful. The story line presented by the fake agents was that someone had tried to make a fraudulent {$5000.00} transaction from my account on an online gambling site. I passed the gift card numbers to the fake agent and the cards were quickly activated and my money was lost. 
Their fear tactics worked as I did in fact purchase the 5 gift cards, essentially reaching the credit limit of my Barclays card. At no time during this horrible day did anyone from Barclays reach out to me and determine what I was doing and why. These transactions had to set off some sort of fraud alert at any respectful credit card company. Don't allow the payments until you communicate with your customer in an attempt to prevent fraud. I have always been contacted by my credit card company regarding unusual purchases or high value purchases. Not this time.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION (PA)

I have repeatedly overdrawn my account with Fulton Bank NA and paid the overdraft fees when my next paycheck would get direct deposited. I never receive live paychecks and have direct deposit. When i confronted the bank around XXXX of XXXX  they initially refunded an amount of {$5000.00} in overdraft fees as a ( 1 time payment ). I then asked that they no longer honor overdraft and return payments that exceeded the available funds. I was informed over the phone that this was completed. The next time the account was low on funds the bank allowed overdraft and charged me an overdraft fee. I then had to go to a branch, speak with a manager and was at that point told that they couldn't 've done the account change over the phone. I then applied for overdraft protection and was denied. Even though I have direct deposit and the overdraft protection would be paid weekly, which can be verified by my and my wife weekly direct deposits. I understand that my credit score is used to determine eligibility, along other information. My proven history of direct deposits weekly for roughly 20 years would have been taken in to account but wasn't. I feel as though Fulton Bank does not want to help their members only use them to extract more money from them and are predatory.
Consumer complaint received 2024-05-09
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I wrote a check ( via Citizens Bank account personal check ) and put it in the US mail to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the church and was never cashed by the church. However, the check was cashed on XX/XX/XXXX at the XXXX  XXXX XXXX. I filed a report with citizens Bank XX/XX/XXXX, which is when I found out that my church had not received the money. I have a claim number with citizens bank which I filed on XX/XX/XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call XXXX  XXXX XXXX as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called citizens bank again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.