davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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. (FL)

This is my 4th 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 : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I moved to my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. 

I called XXXX for internet, after that they called me telling me that theres a charge for {$300.00} for connection, and I said cancelled the order. They didnt want to cancell the order, but still for months send me bills after bills and i never used the service. 

I contact XXXX telling the story but cant do anything. 

Later I have for almost 5 years service with XXXX and im never late in my bills. The situation affect my credit that is perfect all my bills are paid on time. Im planing to buy a house but this is affecting me.

I need the help of this agency cause nobody help. or many hire a lawyer but it is expensive. Im not going to pay for something I didnt used. I cancelled the order but the insisted and insisted. Horrible experience., like I said 5 years ago. Now a new company bought this account and they are putting this in my credti like something new. The name of this new company is IC SYSTEM INC. 
Thanks in advance for your help.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (MI)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2023-07-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XX/XX/2023, I received a statement that I'm in a negative balance XXXX that has occurred with out my knowledge. Multiple forced insurance policies have been placed without my knowledge. The contract states that I was to pay them for insurance, but instead they sent the check back and stated that it would be covered without any further acknowledgement. I had XXXX in XX/XX/2023 which had me sick for weeks and for reasons unknown did not receive any mail stating I was even behind, now months later this preditory loan company is charging for unforseen charges on every level, attorney and things like home inspection that don't even happen. I'm being charged for everything under the sun that they can come up with. As of XX/XX/2023 charges have occurred for attorney fees and whatever they can change me for. They're trying to take my home, for a contract that was transferred from another company and changing the terms of agreement.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I filed a dispute and the creditors and Equifax, Im not liable for this debt with XXXX XXXX account number XXXX. Also XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXXXXXX XXXX XXXXXXXX XXXX they did not provide me with the original contract as I requested
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account capital one financial is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report
Consumer complaint received 2023-04-22
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. (NC)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX & XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

Two problems. First problem is they raised my monthly payment by forcing me into a different payment program. The second problem is they sent an erroneous bill on XX/XX/2023, and I trusted them so I paid the bill in full. They admitted I didn't have to pay this and that they made a mistake- but they have not refunded the erroneous payment from the fraudulent and fake bill they sent me. I tried calling and sending messages. The phone system takes you into XXXX minutes of automated messages, and then they put you on hold with estimated wait times of XXXX minutes- if you wait, they disconnect the call. I sent multiple messages to which they respond with copy/paste responses that do not address the issue.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Hi I was hoping that you might have the availability to help me my as I'm sure this has happened to other unsuspecting consumers. The lender in my case is Mr. Cooper ( Nationstar Mortgage LLC, ) who currently has several class action lawsuits against them now. 

I have attached a copy of a letter recently sent to Mr. Cooper which is self explanatory referencing a property I own. I respectfully hope you find the time to read it and come to a conclusion that what transpired just isn't right. If for no other reason than the 3rd party placed insurance which is explained in the letter. Someone unsuspecting as myself would be paying an exorbitant premium based on a fabricated liability coverage amount, assuming they had no choice. Or argue the position with them as I did and still lose having no recourse to their charges and unwittingly lose my property as well.

I have to question then, is it in some way a predatory lending practice that shouldn't be permissible but because they're in charge they just do what they want, the little guy be damned.

I thank you very much for your time and any consideration you may have to my plight. 

Again, Thank You,
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (OH)

My credit card was stolen from XXXX  and the Citibank MC people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. CITIBANK MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with Citibank? They need to correct this NOW and alert XXXX XXXX XXXX XXXX NOW!
Consumer complaint received 2024-04-11
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. (GA)

Hello, I'm requesting a re-investigating. I just received my TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please Give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX XXXX XXXX XXXX XXXX  Do not send me any stall tactic letters. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CA)

In XXXX of 2023 XXXX XXXX XXXX XXXX sold my loan to Selene Finance. On XX/XX/2023 my insurance came due and Selene Finance did not pay the insurance policy as stipulated in the mortgage agreement. The independent broker that did the deal paid the insurance policy from his own personal funds on XX/XX/XXXX with the expectation that once Selene Finance paid the the insurance out of the escrow account as required, his money would be refunded back to him. It is now XX/XX/2023 and Selene Finance still has not paid the insurance bill after the numerous calls I have made and the supervisors I spoke to, each of which told me that the insurance bill would be paid and they never paid it. I am not being threatened by legal action because the broker needs his money back. I made calls on the following dates and Selene Finance has still not handled their responsibility, each time telling me they would pay the bill : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Both myself and my insurance company have sent them the declaration pages with the payment that is due and they have not paid. Last Friday, XX/XX/XXXX, the supervisor I spoke to said my file was erasing before his eyes and he needed to research and call me back. He never did. Today, XX/XX/XXXX, I received a letter they sold my loan. 

It was their responsibility to pay the insurance and owned the loan at the time the insurance was due and they need to pay it before the account moves to yet again another company. This is also the XXXX time this loan has been sold since XX/XX/2023, which feels excessive. 

Selene Finance needs to pay the total amount due of {$3200.00} asap.
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NJ)

I am a XXXX XXXX XXXX and XXXX XXXX veteran and there are multiple collections reported on my credit report wich seems to be fraud. As per the va whitehouse line, thus must be fraud. I never had any business with a few companies listed on my report so someone must of stole my identity or trying to scam me to get money. All my medical debt is to be covered by the va as I was XXXX from the XXXX with the XXXX XXXXXXXX XXXX and XXXX XXXX rating in XXXX. Any medical debt on my credit report is fraud. And " bull city financial " one of the main ones, seems to be listing things and changing them to get money from me. If you have any questions please contact me at XXXX. I'm trying to buy a house with my va loan and this fraudulent charges on my account are really hindering the process, and I'm about to become a homeless vet because of it.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I deposited a check for XXXX on XXXX I asked the clerk when it would post and she told me XXXX. Now there is a hold on the deposit and I cant access my money until XXXX. 

This is a check the cash value of my surrendered life insurance policy. It was printed in the XXXX of XXXX and I just received it in the mail on XXXX. 
Their reply is there is a confidential source that states the funds may not be paid. I have bills to pay! That is why I cashed in my policy. My Father died on XXXX and I have not been working since. I have XXXX children to care for and my car note and insurance are at risk of being repossessed and cancelled. 

This is not right. Had she been truthful with me I could have cashed the check at a XXXX XXXX and paid the fee for the processing. 

Fifth Third Bank is not the bank to bank with. 
I called them this morning to ask them to release the funds and all of the agents I spoke with are reading a script and telling me to refer to the letter, which I already read, in regards to the hold process. 
I am so frustrated right now!
Consumer complaint received 2024-07-01
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: DISCOVER BANK (CO)

I purchased what I thought were XXXX XXXX XXXX XXXX cards from an XXXX seller on XX/XX/year>. Upon receiving the package ( XX/XX/year> ) I opened the box and verified that they were in fact " Unlimited '' edition XXXX XXXX cards. This is vital, as the market value of unlimited edition XXXX  cards are significantly cheaper ( 75 % ), easier to obtain, and are not a true collector item as advertised. When purchasing the item, I specifically looked for " XXXX XXXX '' cards as they are significantly more valuable, hold value over time, and are the only cards that are true XXXX prints that will maintain value. This was purchased as a gift for my XXXX  son, as I wanted him to have collectible cards in the future that would also hold some value. Upon contacting the seller on XX/XX/year>, the seller lashed out at me, calling me names, acting like a child, and absolutely refusing to accept a return for the product even though they knew they were not XXXX edition cards as advertised. After that conversation, I simply only had the option to put in a dispute with my CC company ( Discover ). Upon my initial dispute, the case was found to be " in my favor. '' I even contacted Discover to verify, and they assured me the transaction would be reversed and credited ( which did happen ). Suddenly, out of the blue ( probably a week or so ago, XX/XX/year> ) I got a message saying XXXX verified the transaction and sale, and they re-posted the expense to my card. I contacted Discover multiple times and tried to explain the difference of " XXXX XXXX '' XXXX cards vs. " Unlimited '' XXXX  cards and they didn't seem to understand. I also very clearly put in my claim as " false advertisement, inaccurate posting description '' for my dispute. The cards received ( attachments below ) are clearly non XXXX edition XXXX XXXX cards, and now as of XX/XX/year> @ XXXX XXXX  MST Discover is just ignoring all of my messages in the customer service portal. I was trying to contact a dispute resolution manager to get this case resolved, as out of principle I'm not paying for something that was incorrectly advertised and sold. It was a lie, plain and simple. If you also look at XXXX  posts, it looks like Discover habitually handles disputes in this manner, which is just disheartening. I've had a perfect payment history with Discover, have a low card balance ( currently, just the XXXX XXXX cards that are being disputed ), and I've always worked well with them until this point. This has been the XXXX dispute I've ever put in with Discover.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS M & T BANK
Consumer complaint received 2023-12-13
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I was attending a XXXX XXXX a few years back, not to sure of the exact year, the school was XXXX XXXX, I attended in XXXX, Nj. They had some problems with the institution and was shut down. Pressler law firm took over and now sueing students that attended there for {$11000.00}.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XX/XX/2023, there was a new credit card application submitted to Chase with my personal information. 
I immediately contacted Chase, verified that it was not me, & they closed/cancelled the application.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (WA)

This complaint is against a consumer reporting agency called Early Warning Services ( full name : Early Warning : Risk and Payment Solutions to Move Money, which is as Orwellian name as possible since I am no risk whatsoever ). 

I just tried to open a basic checking account with XXXX XXXX but was denied and without even waiting for a response from the bank, I am 100 % certain it was because of some bogus " deposit score '' calculated by Early Warning since this exact same thing happened to me 2 years ago. 

I make over $ XXXX, my current XXXX score is XXXX, i.e., EXCELLENT, and I have NEVER had a delinquent bank account. The account I tried to just open is a deposit account and there is no justification whatsoever to be denied based upon my income and credit score, not some arbitrary " deposit score '' assigned by an unaccountable and UNREACHABLE agency ( I repeatedly tried to speak with someone in charge at Early Warning 2 years ago to no avail ). 

These consumer reporting companies ( NOT credit reporting agencies ) need to be held to much higher standards.