davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX  - Account Number : XXXX
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

i am on fixed income and i tried to find out what my balance of how much money i had in my account in which they declined to provide me with the information that i needed instead they gave me a XXXX number to call and i waited for some one to come on the phone to check my balance but no one came on the phone to answer my questions about my account and my online banking. and when i asked to speak with a supervisor about the problem she said that i accused her employees that she was lying and she was lying. and if i was not telling the truth about i never had a problem by the other employees giving me my balance over the phone. well why do i have to call a XXXX number now? and also i had one of the man employee to tell me he was not the one. well i guess he was not because i told his supervisor about what he said and i tried to explain to him what his employee said he pretty much hung up the phone in my ear. and this has not the first time i had a problem with this bank. i wanted to get a secured credit card to rebuild my credit and i had the {$300.00} dollars and that was the requirement that was needed and after spending all that time up there just to get a credit card that was a waste of my time gas and everything just to get a credit card. and i in good faith i told them what i use out of the {$300.00} to draft it out of my account to put it back in good standing. and they put something in their computer system saying that i don't qualify to get a credit card so i just wasted my time hoping just to get a credit card to rebuild my credit.
Consumer complaint received 2020-04-16
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: EQUIFAX, INC. (OR)

There were Fraudlent accounts on my credit report that were not removed by equifax and by law they were supposed to remove the fraud account.If its not removed in 9 days I will be seeking litigation. XXXX XXXX XXXX  XXXX and sprint XXXX Ftc complaint number XXXX
Consumer complaint received 2020-04-15
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. (PA)

I filed a dispute regarding an account listed on my credit report by XXXX XXXX XXXX. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. Transunion claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( XXXX XXXX XXXX ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT WORLD SERVICES, INC. (MO)

After pulling a copy of my credit report i notice that there was a reporting on my credit from Credit world service. I sent them a letter in regard to what they were reporting on XX/XX/2020 certified tracking XXXX XXXX XXXX XXXX XXXX. As of today this collection agency is still reporting on my credit report. i have no contract and dont recall signing any contract with this agency. They failed to provide me any viable evidence, bearing my signature, showing the account is being reported accurately. 
i also would like to know who claim to have " verified : without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. that is why not only i dont understand why they are reporting an account knowing i have no knowledge of doing any transactions with Credit world service.
Consumer complaint received 2020-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I purchased my home XXXX at that time my lender was XXXX XXXX. After closing XXXX  sold my loan to SLS loan servicing. I received a welcome letter from SLS stating that I would be making my mortgage payments to them starting XXXX. I actually made my 1st mortgage payment to SLS on XXXX. About a week or 2 later I received a welcome letter from XXXX XXXX   XXXX  stating they would be my new loan servicer and that I would be making payments to XXXX. Now mind you by this time I had already made the 1st payment. So in XXXX I call to make my payment to XXXX and they informed me I was late. I explained to the representative that I had made that payment with the old loan servicer. XXXX also stated that SLS should've forwarded the payment to XXXX. So I contacted SLS and they informed me they would forward the payment within 30 days to XXXX. Here it is 2 months later and SLS still has not released the payment and now XXXX has threatened to report me to the credit bureau as late. At this point I don't know what to do because I can't afford to kick out a extra mortgage payment and it seems like SLS will not be returning my payment to me or XXXX. SO PLEASE HELP!
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

In mid-XXXX I started communicating with Wells Fargo, my mortgage lender after reading about programs to assist with mortgage payments ( etc. ) .I did not wish to enter into a forbearance program but offered, instead to continue making payments towards accrued interest and ( tax and Insurance ) escrows and commencing with the XX/XX/XXXX payment.My only option ( because telephone prompts would not connect me to a " Live '' person ) was thru e-mail.I did not get any response so I made the full XXXX payment ( P & I plus escrow ) .I followed up with a second e-mail explaining that I was not interested in forbearance ( This appeared to be the only " Automatic '' option on line ) because I did not want to be responsible ( In the end ) for accrued, accumulated or compounded interest.I stated that this was a win-win for the bank since my mortgage was less than 50 % loan to value. In mid XXXX I got my first response.It was a " FORM '' LETTER RESPONSE STATING I WAS APPROVED FOR FORBEARANCE .Another e-mail from me plus two frustrating telephone calls and several attempts to resolve the issue thru my on-line account .To date I have received three e-mail responses, each with a different correspondent.But in each case the same " form '' letter.I have begged not to get any more form letters and asked that someone actually read what I have written.Here is my complaint.It is now one month following my initial request! in 15 days my next payment is due ... except they have told me that I am in forbearance ... Something I DID NOT REQUEST. As of this time I have only Social Security benefits and would have a serious hardship to make a full mortgage payment ( {$2100.00} ) .but I can not get to speak with any one in charge or with authority .There is no mechanism, on line, to pay any thing but the full amount. If I pay nothing, they ( Wells Fargo ) will assume I have accepted FORBEARANCE ( which I never  requested ) .Try getting through to Wells Fargo!!! It is impossible!!
Consumer complaint received 2020-04-15
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. (OR)

XXXX/XXXX XXXX XXXX XXXX FL XXXX * ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX XXXX XXXX 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, 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 XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX No phone # Date : XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX twice ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, or XXXX was hit twice Date XX/XX/XXXX XX/XX/XXXX should of only been hit once
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX and XXXX XXXX wrote a check to XXXX XXXX from their XXXX bank account. Someone, pretending to be XXXX, forged XXXX 's signature and wrote his ssn # on the back of the check to cash. Bank of America cashed the check against our checking account. The check on XX/XX/XXXX was for {$1900.00} and the check on XX/XX/XXXX was for {$1900.00}. We filed a claim on XX/XX/XXXX with Bank of America. On XX/XX/XXXX we received a letter from Bank of America denying the claim.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

After losing my job recently, I got in touch with Mercedes-Benz Financial Services regarding early return of my vehicle. I simply can not afford the payments any more. They offered me two options. Firstly, defer my monthly payments, but this would trigger a bulk repayment of missed payments upon then restarting payments. For someone with no income, stacking up {$2800.00} of payments is not an option at all. They also told me I could turn in the car and pay off the lease at a cost of {$7000.00}. This too is not really an option given I would have to find {$7000.00} and be left with no car. The specific advice from MBFS was to list my car on XXXX  to find a buyer to transfer the lease to. My lease permits transfers and I was aware of this when I signed the original agreement. They also told me to speak to the dealer from whom I leased the vehicle. The dealer gave me the same options, so I I listed the car on XXXX at their direction. I found a transfer 'buyer '. However, MBFS are now not supporting lease transfers. When I called to ask why, I was told 'MBFS is too busy helping people who have been affected by COVID-19 '. This was appalling to me, since I have been affected by losing my job. They have effectively changed the term of my lease, without notifying me first. They are also falsely advertising lease transfers on their website. Plus, I have now incurred advertising costs which, on top of my other financial stresses, are not helping my current situation.
Consumer complaint received 2024-05-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MN)

In XXXX, I started working at a XXXX non-profit that is approved for XXXX forgiveness. At the time my loans were in deferment. I had issues with the servicer XXXX XXXX in getting documentation submitted. I applied for XXXX and was approved XXXX, and was told I was to make a small interim payment to continue on the {$0.00} XXXX plan. The next time, I sent in my XXXX with the application and they lost it. They admit they lost it. In XXXX of I believe XXXX?, I sent in again. They processed it, but I didn't receive information or the statement for the small payment until well into XXXX, when the payment was due in XXXX. As soon as I knew, I called in and they put my loans in forbearance until they could straighten out the issue. They then rejected my application and placed me back on a standard payment plan. I again received no communication about this until months later when they sent me to collections. I have filed multiple complaints with the XXXX XXXX XXXX in regard to XXXX XXXX. I worked XXXX  years for the XXXX, and applied for XXXX by XX/XX/XXXX deadline after rehabilitating my loans out of collections/default. My service went back and forth from XXXX to MOHELA. Currently MOHELA states that any collections time ( albeit my loans were rehabilitated ) and any deferment or forbearance, which were the result of issues with the servicer errors, are not allowable as part of the XXXX  months for XXXX and I would have to continue to work at a XXXX at a decreased wage for XXXX more years to qualify. That is XXXX  XXXX because the information provided by a servicer that is no longer contracted because of errors and mismanagement ( XXXX XXXX ) should be held accountable for the XXXX issues, and MOHELA should be asked to process as XXXX right now.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Hello I was charged for the month of XXXX {$40.00} late fee and for the Month of XXXX a {$39.00} late fee was assessed to my account. I spoke with someone directly after making my payment and he stated that he will not be able to waive the late fee after bringing my account current. The employee ID number is XXXX. I am just getting over the virus and was shocked that the system would not allow this to happen. Please help me resolve this matter. Thanks.
Consumer complaint received 2020-04-15
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: MARINER FINANCE, LLC (KY)

Over a year ago I filed a complaint on this site with Mariner Finance.  The dispute number is XXXX. They responded saying they would remove the late marks from my report ( attached their response ) They have yet to do so. They are still calling me to do additional business with me, but I do not trust this creditor.
Consumer complaint received 2023-03-10
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. (IL)

This is not a duplicate complaint, I'm sending this complaint due to frivolous respond from Transunion Credit Bureau. ONLY TRANSUNION HAS REPORTED THIS ACCOUNT ON MY REPORT. 
I'm not using any third party for this matter and represent myself by myself. 
I would like to be provided with ORIGINAL application and my signature that match with my addresses and personal information on the account that Transunion has told me that that they have verified. 
I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives therefore for the surname/given name XXXX, Consumer, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact,, The Truth in Lending Act is intended to inform consumers about the cost of credit.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that XXXX XXXX - XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
Fact, XXXX is aware and has proof in attached labeled as exhibit A that XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1692 ( B ) ( 2 ). ANY debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit that XXXX XXXX - XXXX is in violation of 15 USC 1692 ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection business or that the communication relates to the collection of debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that is XXXX XXXX - XXXX in violation of 15 USC 1692 ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
I'm asking TRANSUNION to verified all included my original signature on that account, address, amount that have been paid or balance and provide all to me, or delete this account - XXXX XXXX - XXXX XXXX FROM MY REPORT IMMEDIATELY.