davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00}
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have called numerous times about this issue as well as sent more than XXXX letters on the topic ( sending a XXXX letter this evening ). XXXX approved a forbearance on my mortgage during XXXX in XXXX and payments started back XX/XX/XXXX. In XXXX of XXXX, XXXX tried to double my escrow thus increasing my mortgage by several XXXX dollars per month. I inquired with XXXX regarding why my escrow was so short but they refused to answer. Eventually, I presumed that the escrow owed during forbearance was being added back to my account ( although this did not happen on my other mortgage, I think that it was pushed to the end of the mortgage instead ). Regardless, they never provided an explanation so I continued to pay the correct amount due while satisfying my taxes & insurance myself ( paid both in full ). So ever since XXXX of XXXX to date I have made the correct mortgage payment and in XXXX, I paid full taxes and insurance ( on top of my mortgage payment ) to compensate for the missing XXXX escrow caused during forbearance. On XXXX occasions, XXXX lost my payment and I had to resend the payment. Around XXXX of XXXX, my loan was sold to SPS and they have refused to adequately investigate this issue. They are still claiming that I am a full month behind on payments yet there was no where near a XXXX XXXX delta in escrow between the XXXX and XXXX years thus this can not be correct. I am being requested to make another full payment and I'm being charged late fees and being mistreated through this whole ordeal. I hope that you can provide some assistance to finally get this resolved and force SPS to adequately correct this error on my account.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Consumer complaint received 2023-11-14
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. (CA)

A card company duplicated inquiries to pull from my credit multiple times. Resetting the clock on the debt to remain on my credit report longer. I did not authorize this and by law technically my information was used fraudulently. 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. Every since then I haven't been able to receive credit.
Consumer complaint received 2023-11-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

Collection : MIDSTATE COLLECTION SOLU In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 2024-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (LA)

CFPB Complaint Against Synergistic Communications XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Consumer Financial Protection Bureau ( CFPB ) : I am filing a complaint against Synergistic Communications, a debt collection agency, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). 
Debt in Question : Briefly describe the debt ( e.g., type of debt, original creditor, amount ). 
State that you are unaware of this debt. 
Violations : FDCPA Violations : 15 USC 1681a ( 4 ) : Synergistic Communications did not provide a written debt validation notice within five days of their initia communication.

HIPAA Violation : They obtained and attempted to collect on medical debt without your consent to share this information ( mention HIPAA if applicable ).

15 USC 1692c ( a ) : They continued to contact you after you revoked your consent to be contacted by phone, email, or text message. 
FCRA Violations : I never received a proper notification of the alleged debt. 
If they claim you received notification, request a copy of the certified receipt with your signature. 
GLBA Violation : 12 CFR 1006.34 : Synergistic Communications failed to provide proof of their license and bond as required by law. 
Requests : Debt Validation : Request a written validation of the debt, including the original creditor, amount, and date of default.

Cease and Desist : Request that Synergistic Communications cease all communication with you except for debt validation purposes.

Proof of Licensing and Bonding : Request documentation proving Synergistic Communications is licensed and bonded to collect debt in your state.

Supporting Documents : Attach any copies of communications you have received from Synergistic Communications, proof that you revoked your consent to be contacted, or any other relevant documentation.

Conclusion : Synergistic Communications ' actions have been unfair and deceptive. I request the CFPB to investigate these violations and take appropriate action. 

Sincerely, XXXX XXXX https : //www.consumerfinance.gov/.
Consumer complaint received 2022-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (OR)

I paid well over the amount advertised. They took XXXX dollars out of my bank account every week for a long time after I realized I've paid more then what I should have I cancel the bank account. I wrote to them explaining that I've overpaid they then told me I agreed to pay interest which I never did and asked them to stop reporting negative false information. They closed the account then reopened and tried to take money out of my bank multiple times. I've tried to ask them to provide me with a valid signature from me agreeing to pay interest. The claim I owed XXXX dollars the within 2 months it's over XXXX that's pure insanity.i would please like this dispute to be open so that potential landlords can see I have disputed
Consumer complaint received 2023-11-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M1 Holdings Inc. (MD)

XXXX XXXX XXXX as XXXX XXXX XXXX  closed my checking account # XXXX that I paid annual membership oremium fee {$120.00} for this account. I tried to resolve with this financial institution for a partial refund of the M1 Plus membership annual fee since they shut down my checking account without my agreement. 
M1 Customer Service refused to refund a partial unused membership fee for several months after the checking account was shut down earlier before the annual membership expiration. 

I do not appreciate their lack of liability, unethical practices, and corruption with membership fees that they shut down my checking account and did not refund partial premium membership fee I paid for and the membership was unused and not completed in full.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AK)

I was placed in an " IDR PROC ADMIN '' forebearance. This means that despite the fact that I am on the SAVE plan, interest is accruing. My payments are currently {$0.00} a month under SAVE, I don't need the forbearance which will just increase my interest and overall balance for no reason. 

I tried calling Nelnet and was unable to reach them due to long hold lines. I sent them an email on XX/XX/XXXX and received no reply as of XX/XX/XXXX.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts : 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, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (SD)

My MoneyGram account was unfairly closed for baseless reasons and false alarm on their automated system, even after filing for appeal, it was not considered and they decided to close the account. l wanted to transfer around {$300.00} to my own bank account abroad. But after initiating the transaction MoneyGram suddenly closed my account based on false accusations, telling it was a high risk activity. I am not involved in any High risk activity, you can check and do any identity verification of you want. I am a genuine, clean and honest customer using the service to transfer between my own accounts. I can provide my bank statements or identity documents, paychecks/source of income if you would like to verify. The transfer was between my own XXXX XXXX Account in US  to My XXXX XXXX Bank Account in XXXX.
Consumer complaint received 2024-04-09
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. (TX)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX
Consumer complaint received 2023-12-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/ NOTICE OF ERROR AND OPPORTUNITY TO CURE WITH INSTRUCTIONS Overview It has come to my attention that account ( XXXX ) # XXXX, # XXXX, # XXXX reported three ( 3 ) times, # XXXX as well as 17 unauthorized uses in the form of inquiries that I discovered as well. So since 15 USC 1681 ( b ) states the reporting of my consumer report shall be fair and equitable to me, the consumer. That being stated, I would like for you to provide the documentation that has my expressed consent given even allowing you to allow anyone or any company to furnish reports on my consumer report or the documentation that has my express consent given allowing your agency to hold and distribute my private property. You are reporting inaccurate as well as unverified information pursuant 15 USC 1681 ( n ), ( o ) which holds your agency liable to me the consumer {$1000.00} per violation for failure to meet requirements of the law due to willful non-compliance as well the damages I have incurred due to negligent non-compliance, everything your agency is reporting is adverse toward me the consumer and if these issues are not cured within 72 hours from the reading of this notice an opportunity to cure by becoming fair and equitable on behalf of me, the consumer. I will be pursuing damages in small claims. I would like every account verified and reported accurately. I will be forwarding all correspondence to CFPB, FTC, Postmaster Inspector General, as well as the IRS. If your agency doesnt respond or perform within the time specified above i shall assume you are in agreement with the facts stated herein and will wire me XXXX as an out of court settlement for defamation, mental stress, financial hardships, violation of my privacy which is furnishing my PRIVATE information WITHOUT MY EXPRESSED PRIOR CONSENT which is a right recognized within 15 USC 1681 & 1692 consumer has the right to privacyunless your company or any of your constituents can produce such document ( s ) of me granting you or any of your constituents the permission to report inaccurate and unverified reports if such document ( s ) exist. Hopefully we reach an amicable resolution as this is done with clean hands and in good faith without prejudice. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX Authorized Representative
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/year> I received a notice from Portfolio Recovery Services advising that they were requesting the credit bureau delete the tradeline for the original creditor XXXX XXXX XXXX  ( USA ). However, as of today XX/XX/year> the account is still listed and reporting adversely on my XXXX credit report.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-14
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. (NC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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!