davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
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. (AL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, US SM BUS ADMIN ODA, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I have tried to access my Equifax file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on Equifax 's end. I just want to be able to check my report like I do with the other services.
Consumer complaint received 2020-08-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (CO)

Global Lending Services has called me 3-6 times a day for the last three weeks, amounting to more than 60 calls from several different phone numbers. They call at all hours of the day, ranging from XXXX MST all the way to XXXX MST. They even call on weekends. 

Most recently, this company has tracked down my family members and started calling them as well. Neither of my parents co-signed on this lease and it is absolutely wrong of them to call my family members. They always leave a voicemail without stating their name or what they're calling about. 

My mother texted me today ( XX/XX/XXXX ) to say she receive yet another call. This needs to stop NOW.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (AL)

On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough   till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-10
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. (PA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (FL)

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

This complaint is concerning a false bond that was posted for my daughter my daughter was giving a XXXX term of XXXX XXXX but served a year in county XXXX when she was released there was a two week delay in processing her out I went to a bondsman for Assistance he stated that She had no bond and she was released but there was a hold up in her being released he stated that he could post a bond anyway and get her out me being ignorant to the bail system I gave him {$1000.00} to post bail she was released without bail he acted like he bonded her out but she was released because your time was done he also stated that when she was released she could put the remaining money owed to him in her name and she would be responsible to make the monthly payments my daughter was fully exonerated on an appeal and all charges were dropped he falsely posted a bail that was not needed and now it is appearing on my credit report this Was bad business and an injustice. She had Filed a Habeas corpus complaint that is the reason her release was held up but initially she was released and didnt need bail The debt was sold to AWA collections and its {$8900.00} this was from 2015 Interests applies daily.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

I submitted information in regards to a debt allegedly owed to SCA collections. I requested the information in which I am legally entitled to receive on XX/XX/XXXX. SCA indicated that I owed a debt from XXXX and place the account on all credit bureau reporting sites I received a response on XX/XX/XXXX. The letter attached indicated that the original creditor provided the information. However, the information was received on what appeared to be a typed word documentation and did not appear to be valid. The company indicated that I currently owe {$130.00}.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MA)

I had called Chase to report a lost/stolen credit card on XX/XX/XXXX as soon as I realized it went missing, unfortunately nobody got back to me until XX/XX/XXXX and by then there were 2 more transactions that were done on the account. Anyways Chase started their investigation after that and finally after almost 2 months of waiting they came back and said I was responsible for the transactions, even though I had reported the card lost/stolen and should not be liable for these transactions. The just sent me a letter without any documentation or anything as to why I should be liable for these transactions. This has never happened to me before and this is these second time its happening in the last 4 months, that Chase has denied my fraud claim ( s ) and is asking me to pay for purchases that I did not make. 
Here is the list XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On Friday XXXX I deposited money into my account and tried to withdraw money but I was told that I wasnt allowed to do that. I also tried to XXXX  my husband money and it said my transaction was canceled. I called chase bank and they said my account was on hold and no one could tell me why or how long it was going to be on hold for. I recently deposited a check that I thought was good on XXXX because I was selling some of my furniture and the person I was selling to sent me a check. Clearly that person is terrible and they put me in a bad spot. I got a notification a few days later saying the checked was flagged as a forgery and that the money was returned. But no one told me that my account was on hold. If I had known my account was on hold, I wouldnt have deposited a check into my account, knowing I cant access it. No one can tell me how long this will take and I am frustrated because I have bills to pay and I need access to my money now! The check was bad, okay return it but there was no need to put a hold on my account because the money that is in the account, is mine and I need access to it asap.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NM)

Started an online application on XX/XX/XXXX th, gave XXXX earnest money and all necessary documents that week, since then has been very limited contact from Amerisave mortgage, inconsistent information, misinformation, deceptive or inaccurate statements, attempt to contact, little success. When they do contact me they sound frustrated and befuddled, just say anything to get me off the phone. This company has all my sensitive financial information, am becoming concerned that the company can not complete this loan and doesn't want to admit it, possibly a total scam to get consumers information to sell?
Consumer complaint received 2020-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. 

" I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

This is a new " old '' request for Experian. Thank you for updating my correct address. However, on the website, I am unable to see the actual results. I have attached what I was able to " see ''. Thank you for adding my personal statement. However, I wish to adjust that statement based upon encounters with XXXX and Experian.
Consumer complaint received 2023-05-26
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have submitted a dispute several times in reference to a credit card reporting late. I was never late with this account and verified by the bank. XXXX refuses to update and remove without verification. I will seek legal action.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (IL)

I have had calls from Commonwealth Financial Systems going back 4 years for someone I dont know. 
Telling Commonwealth Financial Systems that I am not the person they are looking for does no good. 
Does anyone monitor these idiots or are they simply allowed to run amuck harassing whoever they please. 
This is absurd. 
Is there no oversight in your industry? 
I cant be expected to change my phone number just because these incompetents at Commonwealth Financial Services dont have the brains to get their contacts correct. 
I can not magically become this XXXX XXXX they claim owes them money from XXXX XXXX. 
I have parents in the mid XXXX and cant be expected to change my phone number to make this rogue company happy. 
Am I expected to take a XXXX  DNA test to prove I am not the one they are looking for? 
I am sick of their calls.
Consumer complaint received 2020-08-10
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX {$2600.00} US DEP ED XXXX {$20000.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$250.00} XXXX XXXX {$24000.00} US DEP ED XXXX {$25000.00} XXXX XXXX {$4300.00} XXXX XXXX {$870.00}
Consumer complaint received 2020-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Issues : 1. Navy Federal Credit Union is not complying with my request for a 180 mortgage deferment. I made the request because I am experiencing financial hardship brought on by the COVID state of emergency. 

2. I was offered a 90 day foreberance and told once it expires I'll need to request another 90 day foreberance which will be reviewed by NFCU. When asked what the review process entails and what qualifies/disqualifies a person for a 90 day extension the customer service manager would not answer. 

3. NFCU would not commit to any terms or options at the end of the foreberance period to repair the loan. I was told by the customer service manager that we can not talk about those details until the foreberance period is near expiration. 

Date of call/s : XXXX XXXX, 2020, XXXX. 

Customer Service manager : XXXX
Consumer complaint received 2020-08-10
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXnd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX {$2600.00} US DEP ED XXXX {$20000.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX {$24000.00} US DEP ED XXXX {$25000.00} XXXX XXXX {$4300.00} XXXX XXXX {$870.00}
Consumer complaint received 2022-10-30
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: U.S. BANCORP (TN)

Re : U.S. Bank XXXX Acct XXXX XXXX Dear Sir/Maam, I recently used a check provided by your bank to Integrity XXXX in the amount of {$15000.00}, since the check noted that was the limit for use. Not having any idea that I had gone over any limit, as soon as I got home, I immediately sent in a payment in the amount of {$500.00} as I customarily do as opposed to waiting for my first bill to come in the mail to make my first payment. 

In the spirit of being a good customer and taking proactive action towards my debts, two days later I receive a notice from my credit monitoring agency that your bank has notified them that I was over the limit on my account and that this information generated a XXXX  point drop in my credit score. 

U.S. Bank did not call me or take any type of action to allow me to remedy this situation and neither waited five days for my payment to reach them ( which would have easily resolved the situation ) nor wait for me to receive the first billing cycle to find out this information so that I could take corrective action. 

I have been a good client of U.S. Bank for quite sometime and was honestly surprised to see U.S. Bank react in such a manner towards my account. At this time I am requesting that U.S. Bank remove this information from any and all credit reporting agencies and to restore and reflect my rightful credit worthiness with these reporting agencies. If I may be of further assistance please feel free to contact me through the information provided. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

I realized on XX/XX/2020 my credit report had a collection from Waypoint Resource Group in the amount of {$1200.00} that I was unaware of. On XX/XX/2020 I certified mailed a verification of debt letter, which arrived to them on XX/XX/2020 and they have yet to respond to my debt validation letter.