davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

The person received there items. There a scammer trying to get XXXX back for items they received and PayPal believes them. Where is the proof that they never got any items. No one can come up with proof for me to see. Scammer is not getting money back unless they send the items back. If you don't have the items you get nothing back. I am not responsible for paying a XXXX back to a scamming frauder
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (CA)

I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the Guster law firm and spoke with XXXX XXXX who said it was a XXXX XXXX account for an outstanding judgement for {$5400.00}. 

I do not have a XXXX XXXX account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, OH XXXX
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

To Whom It May Concern, My complaint is with XXXX XXXX XXXX Navient. I attended XXXX XXXX XXXX  from XXXX. I had XXXX XXXX XXXX XXXX XXXX loans that were originated by XXXX XXXX and then there was a merger where Navient took over the loans that XXXX XXXX had. I have tried to contact XXXX XXXX and they tell me to call Navient, and Navient acts like they have no records of me having Federal Loans with them. ( Please see the attachments provided that proves that my Federal Loans were transferred to Navient ) In XXXX my mother who was my co-signer on the loans, took a loan against her pension for {$50000.00} to pay off Navient because she was receiving threats of garnishment from Navient and she was afraid she was going to loose her high-level managerial position with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX She paid off the loans with her pension loan. 
My complaint is that Navient never applied that money to my loans, and then they transferred my loans to the Direct Loan Consolidation program, where the loans were paid off by the US Dept of Education. This is all coming to light now in XXXX because due to the Sweet vs. Cardona lawsuit my loans have been forgiven by the US Dept. of Education, and when I brought it to there attention they told me I should contact Navient. I have contacted Navient on more than several occasions, and they refuse to provide me with any payment details, and only will tell me that the loans were transferred to the Direct Loan Consolidation program in XXXX. Any help with this matter is greatly appreciated, as I feel that I have exhausted all of my options for a resolution.
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting some personal information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (MD)

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (GA)

XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation.

Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted. 
Further, because my social security number ( credit card ) was used, and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your XXXX XXXX. The is an act of Aggravated Identity Theft. 
If youXXXX XXXX XXXX fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX, XXXX Without Recourse
Consumer complaint received 2023-09-27
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. (UT)

As XXXX  I have received the response from Experian stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XXXX XXXX XXXX   and XXXX XXXX XXXX Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. Now what public record vendor provided you with hearsay and yet you respond with no proof of your verification. I'm the debtor and the courts clearly stated they don't share any information with anyone not Experian, XXXX, XXXX or third parties period. So how can your public vendor verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!
Consumer complaint received 2023-05-23
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. (GA)

I filed a complaint with XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-12-10
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-10
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. (VA)

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

- Never been delinquent on a credit card in my life - BOA notified me on XX/XX/11 that my account was late - I use AutoPay generally and didnt get an alert- I paid over {$500.00} the moment I did on XX/XX/11 - BOA XXXX told me on the phone that once processed delinquency or missed payment would drop from my report. 
- Credit score dropped XXXX points since they reported it - I have been working with a Government XXXX XXXX XXXX XXXX fix my score. In spite of this, a misunderstanding like this just set me back years and now I am stuck. 
- My account is paid. Tried speaking with BOA to take this off report and they have not done anything - I need help since this card company is taking advantage of this situation I am stuck despite using government DMP resources- Fully employed at XXXX XXXX XXXX  XXXX making over XXXX annually.
Consumer complaint received 2022-12-10
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : Credit Coll : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (NY)

Hello Consumer Financial Protection Bureau : This is unacceptable that M & T Bank would send our stolen {$20000.00} check to our old former home address that we moved from in XX/XX/2022, just to continue to mess with us, when they only had our XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX business address on file. 

If this is not corrected ASAP we will be filing additional formal complaints against M & T Bank and all of its individual officers responsible for this abuse. 

Be guided accordingly. 

Thanks, cc : XXXX FBI XXXX XXXX, XXXX Attorney General, XXXXXXXX XXXX XXXX XXXX Department of Financial Services, XXXX XXXX of the Inspector General, Federal Trade Commission
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (GA)

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 an account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector many not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2015-12-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar is foreclosing on my home on XXXX/XXXX/XXXX despite the fact that I originally requested assistance from XXXX XXXX XXXX who serviced my 1st and 2nd mortgage. There has been numerous owners of my loan as well as assignments of which I was never given notice, furthermore, the Assignment of Deed of Trust executed on XXXX XXXX, XXXX, shows XXXX as Nominee for XXXX Lender transferring/assigning to XXXX Bank XXXX, the Holders of the XXXX XXXX XXXX Securities, with the Trustee being XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, a Corporate Assignment of Deed of Trust was executed for value received from XXXX XXXX as Trustee for XXXX XXXX which assigned and transferred to Nationstar Mortgage. On XXXX XXXX, XXXX a Substitution of Trustee was executed from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX which I received no notice, in addition less than one month a Notice of Default was filed on XXXX/XXXX/XXXX, how could XXXX Nominee for XXXX Lender substitute the Trustee when the loans was transferred to Nationstar prior? XXXX XXXX XXXX who serviced my loan after the fall of XXXX Lender wherein, my loan number was XXXX collected my mortgage payments for years however, I do n't see them on any transfers or assignments, and this point, I feel I have been shuffled around with no one offering any mortgage assistance. My home is currently worth {$600000.00} maybe? I have requested numerous times a principal reduction from XXXX XXXX I currently owe, however, Nationstar will foreclose the property with less money rather than assist me in keeping it.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (TX)

Credit Control LLC is the debt collection company that an account from XXXX  XXXX was sold to after XXXX XXXXXXXX refused to work with me, and REFUSED payment. 

Instead of arguing back and forth with Credit Control LLC I reluctantly set up a payment plan with this debt collection agency and was willing to pay them off. However, I asked for a letterhead of the payment plan via email, and they chose to ignore the option of putting it on a letterhead. They were advised to get me a letter on letterhead, and if not then the could close the debt and remove the NEGATIVE remark from my Credit Report. 

They never responded! I now go in to make the payment as agreed, and the account is no longer there, so I am assuming that they have closed this account as settled since the account is not able to be found. Due to this matter, XXXX XXXXXXXX and CREDIT CONTROL LLC need to remove their derogatory remarks from my credit report. Also, due to they have now seemed to refuse to settle the account when they were asked for a settlement and they said no and I chose to pay the debt in full in payment plans, they now have refused the payment due to closing the account. Therefore, the debt is no longer valid, and no longer worth dealing with. So, this company has made it clear that they believed I was a third party and told me that I was not responsible for the debt. I have emails to verify this, and therefore this DEROGATORY remark from this company needs to be removed from my credit report.
Consumer complaint received 2023-11-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, has violated my rights.

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