davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

I requested a validation letter with proof of my signature and company failed to comply. 
Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name XXXX XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, TX XXXX. I have no association or knowledge of address or where address came from. 
The information is not mine and is not related to me. 

Address reflects on credit as XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2023-04-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc. (CA)

I have a CD at Bread XXXX/Bread XXXX XXXX I've tried to log in many, many times. Last week I tried to log in and my password didn't work. Finally, I tried changing my password but they never sent an email link, nor did they text me a link. I called customer service but was on hold for an hour before I hung up. Today, I tried again and went through the same process except this time the program suggested I use a different browser which I did with the same results. I have not been able to talk to a person or " chat '' with customer service. I believe I somehow sent a message last week describing the trouble I was having but I have not received any communication from them.
Consumer complaint received 2024-04-16
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. (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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : 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 2023-04-25
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. (NV)

To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX XXXX 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON XXXX, XXXX and Experian ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX 3-120 plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity
Consumer complaint received 2023-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2018-11-19
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. (LA)

I have been having issues with Identity theft for some time now and have fraud accounts and inquires show on my Experian report. I have sent in supporting documents as well as police reports and ID THEFT Affadvits in support of this matter. The following is the result of this on going ID THEFT. They please need to be blocked and or removed ASAP Thank You Report Number : XXXX 1.XXXX XXXX XXXX Inquired on XX/XX/2018 2.XXXX XXXX Inquired on XX/XX/2018 3.XXXX XXXX Inquired on XX/XX/2018 4.XXXX XXXX Inquired on XX/XX/2018 5.XXXX XXXX Inquired on XX/XX/2018 6.XXXX XXXX Inquired on XX/XX/2018 7.XXXX XXXX Inquired on XX/XX/2018
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (GA)

The account was settled and the company XXXX XXXX XXXX paid in full and a refund then reversed it 2 months later causing me adverse harm to my bank account and credit worthiness. Now they are reporting the account as late and reporting inaccurate information. I also sent them a cease and desist and they still continuously harassing me causing me XXXX  and mental anguish. Being duly sworn, hereby swear under oath that : My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to optout of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of XXXX. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated XXXX  by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Under penalty of perjury, I hereby declare and affirm that the abovementioned The statement is, to the best of my knowledge, true and correct.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Stearns Ventures, LLC (VA)

I have an issue with my mortgage lender Stearns. I bought my house a few years ago with a30 year fixed GSE XXXX XXXX mortgage through Stearns. It had taken me years of scraping by, but I was able to come up with the 15 % down payment. I have gone through multiple hardships that caused me to fall delinquent but have always tried to engage with Stearns and have even made a reinstatement payment to them at one point in time which they did not apply to my loan balance. I feel that they no longer are interested in working with me and are denying me access to government and internal programs that I should be reviewed for. I am back on my feet and working full time after a yearlong battle with XXXX and expect Stearns to work with me and review me for homeowner assistance options. Instead they have set a foreclosure sale date of XX/XX/XXXX! 

At the time I purchase my home I had a good paying job and was easily able to afford my mortgage payment. Not long after that my son was XXXX and there were XXXX XXXX and he needed the XXXX XXXX XXXX XXXX XXXX XXXX. This kept us in and out of the hospital for 9 months and I had to take a lot of time off of work to try and manage and care for him. As a result, I missed a couple of mortgage payments. I entered into an accelerated payment program in order to try and get back into good standing with Stearns. The problem is that these payments were not applied to my balance and I did not know where the extra money went. A few months later I made a good faith payment of {$9000.00} which should have brought me current. However, Stearns failed to apply the money to my loan and I was still reporting as behind on the loan and this money sat in suspense for a long time. 

In 2016 I was diagnosed with XXXX XXXX and had to begin treatment and also had multiple XXXX. I was unable to work and once again defaulted on my mortgage. While going through treatment I was shocked to find that my lump sum payment had STILL not been applied and that I was reporting over one year late. I am happy to say that I am now XXXX XXXX, and that I resumed working at my job this past week. I make a good living and I am able to afford a fair mortgage payment. The problem is that Stearns seems more interested in foreclosing on my home than giving me a chance to fix this matter. 

I really feel that I have been deceived and misled by Stearns. I paid the accelerated payments and then made the lump sum reinstatement payment but they still showed me as late. I continued making my monthly payments until I had to battle with XXXX and was physically unable to work. I was still trying to negotiate with your Stearns during that time but made no headway. My case was transferred from department to department and I never had a definitive account manager. Now that I am back on my feet I need Stearns to work with me.
Consumer complaint received 2024-02-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (TX)

I can not currently pay my student loans and I reached out to AES for a forbearance. I applied online on XX/XX/year>. 

XX/XX/year> 11 minutes not including hold time - received verbal approval for forebearance. 
Calls from AES continue during this time XX/XX/year> XXXX minutes not including hold time - After seeing this was not reflected on my account, I called back. Received another verbal approval for forebearance Calls from AES continue during this time XX/XX/year> XXXX minutes not including hold time - Followed up again, because verbal forebearance was not reflected in account, nor was the payment my mother made on the account. AES continues to call and harass for payment. I was once again assured the forbearance was approved. It is at 34 days past due and they said they would report this to credit agencies. 

These do not include calls and time spent by my mother, who is the cosignor.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

In XXXX I opened a checking account with XXXX XXXX  in Washington DC. I received monthly paper statements and continued my account when the bank was sold to SunTrust and again to Truist. 

In XX/XX/XXXX we sold our house in XXXX, Virginia and moved to a new residence in XXXX Virginia. During the first week of XX/XX/XXXX, I notified Truist of my address and telephone changes by going into my online account profile and making the changes. In XXXX and XX/XX/XXXX we received a monthly statement from Truist bank at our new address in XXXX, Virginia. In XXXX I did not receive a statement from Truist and received a notification in XXXX from Truist of a XXXX dollar return statement fee. I telephone XXXX and talked to a nice gentleman in XXXX for over an hour trying to straighten out what the XXXX dollar return statement fee was. He finally informed me that there had been a miscommunication between the various branches of the bank and my statement had been sent to my old address in XXXX Virginia. He asked me what I wanted to happen and I told him that I wanted the statement to be sent to my new address as it had been in XXXX and XXXX and for the fee to be reimbursed to my account. He assured me that this would happen. 
In XXXX I received another another notification from Truist that a XXXX dollar return statement fee had been charged to my account. In XXXX another XXXX dollar fee for a returned statement was charged to my checking account. I immediately called Truist and spoke to a young lady somewhere in the United States and explained what had happened. She investigated and informed me that I needed to go into my profile and change the statement delivery method from a paper statement in the mail to a digital statement. She stayed on the line and talked me through making the change to my online profile. She informed me that the change had been made and that I would be able to switch back to a paper statement in the mail in two months. Additionally she assured me that the prior XXXX dollar fees for the returned statements would be reimbursed to my account. 

Yesterday, XX/XX/XXXX I received a notification from Truist that a XXXX dollar return statement fee had been charged to my checking account. 

Im at my wits end and dont know what I can do to satisfy this mistake-prone financial institution. None of the fees have been returned to my account. 

I hope you have more success in resolving the situation than I have. 

Thank you for your assistance.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-04-25
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. (NV)

To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX  that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all XXXX major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON TransUnion, XXXX and XXXX ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX XXXX plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity
Consumer complaint received 2024-04-16
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. (CA)

Upon reviewing my recent credit report, I discovered unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorize any individuals associated with these companies to access my credit report. This constitutes a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious infringement of my privacy rights.

I request that you verify this information with the respective companies and provide me with copies of any documentation associated with these inquiries bearing my signature authorizing them. If no such documentation bearing my signature is found, I formally demand that these fraudulent inquiries be promptly removed from the credit file linked to my Social Security number.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I ordered clothing to try out and send back. I did not like the clothing, so I returned it within the time required, but the company charged me anyway and now refused to refund my money, even though they received he clothing back. 

I disputed the transaction with Bank of America, who refused to refund the money that was stolen from me.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I used my Walmart branded Capital One credit card. I regularly charge about {$2000.00} at Walmart per month. Last month I used the card to also buy a freezer at XXXX XXXX which added a {$1000.00} charge to the card. Later that month my card was refused at Walmart because of the credit limit of {$3500.00}. I applied for an increase to {$6500.00} and was denied. At first I thought it was because my credit bureau accounts were frozen so I unfroze them and reapplied. I was still denied. All three reporting agencies have my credit as outstanding. My card is always paid automatically by my bank on receipt of the bill. My total assets are about {>= $1,000,000} and my household income is over {$220000.00} per year. I am XXXX XXXX XXXX. The credit card company would not tell me why I was denied. I figure it is either because of my age or because they don't make money from me as I always pay the full amount of the bill. Are either of those reason sufficient to deny me the credit increase? Don't thy have to tell me why the increase was denied?
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (CO)

I received a notification from the 3 credit reporting agencies of a collection on my credit report. However, the collector has never reached out to me or made contact of any kind. Isn't this against the law? My credit is very important to my job and now I will have job issues because of this. I have perfect credit. Never missed a payment in my life. How can they just put something on my credit report without making any attempt to collect the dept? 

Please help.