davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (FL)

I'm a natural person, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Negative remark appeared on XXXX and XXXX   in the amount of XXXX. Was not advised payday loan would impact my credit after filing bankruptcy XXXX several payday loans were being offered XXXX XXXX being one of them. On my report it shows Buckeye credit solution who never contacted me about this amount due. They have now sold the dept to XXXX XXXX who i have never heard of or from until XX/XX/XXXX reached out and was given no explanation why I wasn't contacted about them selling my dept to XXXX  XXXX XXXX.
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-27
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. (OH)

I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Credit Network Inc (CA)

Financial Credit Network. I am exercising my right under the Fair Credit Reporting Act pertaining to the Accuracy and Completeness of information provided to any credit reporting agency. 
I am also exercising my rights under the Fair Debt Collection Practices Act Section 807 which pertains to False and or Misleading Representation of information being reported to the credit agencies. 
On XX/XX/XXXX I went online to the Financial Credit Network website and made a payment in full on account number XXXXXXX. The original amount owed was {$250.00} dollars, but after the company 's additional fees the total amount that I paid online ( evidenced by the receipt ) was {$370.00}. 
I updated my credit report XX/XX/XXXX only to see that Financial Credit Network is still inaccurately reporting this {$250.00} account as an unpaid collection. 
Now I am requesting that Financial Credit Network update their records and update the information with XXXX, XXXX XXXX and XXXX. 
I have already sent Financial Credit Network a certified letter with a copy of the receipt for payment in full on their Company Letter Head from there website and have yet to receive a response of any kind. 
Financial Credit Network is very quick to place and keep inaccurate information on hard working consumers accounts. Now they need to demonstrate the same speed in updating and correcting the status of their accounts with the Credit Agencies as well.

It is against state law to report incorrect statuses and balance information to the Credit Agencies
Consumer complaint received 2021-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

THE COMPANY, CONVERGENT OUTSOURCING INC., HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM AN ALLEGED DEBT. I HAVE NO AGREEMENT OR NEVER SIGNED AN AGREEMENT WITH CONVERGENT OUTSOURCING INC. THEY PURCHASED A DEBT FROM ANOTHER COMPANY WITHOUT ME BEING INVOLVED IN THE TRANSACTION. I am a natural person as defined by 15 U.S.C. 3002 ( XXXX ). PURSUANT TO 15 USC Code 1692e False or misleading representations.15 USC 1692 states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. XXXX ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. I, XXXX XXXX XXXX give authorization for Convergent Outsourcing , Inc to move forward with this complaint.
Consumer complaint received 2020-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (TX)

Have been trying to contact Conduet/ ACS for the past several months and there are no valid numbers. I also referred to some old correspondences from ACS but none of the numbers are working. I am trying to get some information regarding a loan listed on credit report. My login information is not valid and nothing is working to help me get the information I am seeking
Consumer complaint received 2018-03-05
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: SYNCHRONY FINANCIAL (FL)

A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Consumer complaint received 2023-05-24
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. (FL)

I XXXX XXXX recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX  Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-12-27
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. (PA)

Inaccurate collection reporting to my credit report from third party company XXXX XXXX XXXX XXXX Account # XXXX. They are attempting to collect {$280.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX XXXX XXXX without my consent. According to FCRA, this is against Hipaa law.
Consumer complaint received 2020-01-13
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. (CA)

I discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank is holding funds that I placed in my savings account as collateral for a personal loan that was issued to me by Regions in an account that was not authorized by me. I did not agree to have these funds in my savings account held. This was not explained or approved by me. I did not sign any document during the loan process or the loan signing that gave approval for regions to hold my funds placed in my savings account in a undisclosed account and would not allow them to be available to me.
Consumer complaint received 2020-01-13
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 discovered several accounts reflecting badly on my credit report on XX/XX/2020 when I was denied from refinancing my car due to these accounts in negative standing. None of those accounts belong to me and I did not allow anyone to open those accounts with my information. I did not benefit anything from these accounts and I did not make any payments towards any of these accounts.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 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 an account without my written instructions.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (CA)

After attempting to validate debt with ARS National Services I received a response with a statement from the original creditor however with no documentation from the original creditor that the debt has been assigned or sold to ARS. If ARS National Services Inc does not have this from the original creditor they are authorized to collect on this debt.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (IL)

I loaded {$1500.00} across two transactions on to Skrill on XX/XX/XXXX. The first transaction for {$500.00}, and the second for {$1000.00}. 

The next morning, I tried to withdraw the funds and was immediately told that my account was restricted and was told to contact Skrill. I promptly submitted a ticket immediately after ( Case # XXXX ). I received an email the next day ( XX/XX/XXXX ) which asked about the nature of my use of Skrill, to which I promptly replied with my truthful answers. I never got a response after that. 

On the XXXX, I got an email that said my account was permanently closed. No reason given for account closure, and I still have not gotten a response to the answers I submitted. No information was given on if my funds would be returned for me. I've tried submitting subsequent support tickets, but have never been told a ticket has been generated or given a case number for subsequent requests. Calling Skrill 's support line is met with " This phone number does not accept anonymous calls '' before an automated system hangs up. XXXX around, this seems to happen to most other Skrill users as well who try to contact Skrill via phone. 

On the XXXX, the day I'm writing this, I still have not heard anything from Skrill after being told my account is permanently closed.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already to " XXXX XXXX XXXX '' I have enclosed my government issued ID, social security number, and affidavit of identity for verification
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

SPS Servicer for XXXX XXXX  Note Holder Since XXXX, I've been in the process of a modification for a loan as well as the assumption of the loan per court order in a divorce settlement. Over the past actually nine years, I've been trying to do the modification process. 

Within this process of review, they filed a foreclosure during a dispute. The dispute was filed in XX/XX/XXXX, and they filed a foreclosure in XXXX of XXXX while it was under review. I received a letter stating that there would be no legal actions taken against me, but there was. 

Then COVID happened which put things behind for a couple of years. And here we are in XXXX where I have consistently supplied all the documents they have requested. And each and every time I get a letter of a completed package, it never fails that a week later they say something's missing. And the same item that's missing they say is an income statement or profit and loss statement or a W2 or a paycheck stub. 

I have several emails showing that things have been received. I've attached a sample letter of the most recent situation on XX/XX/XXXX where my package was completed and sure enough a week later they said that a paycheck stub was missing. I have submitted paycheck stubs and profit and loss statements as far back as XXXX beyond the three months that they're asking for. 

This has been a grueling process for the past seven years and no one should have to go through this. I applied for loan forgiveness, for the arrearages, and asked for fees to be waived because they are accumulating while I am in the mod/assumption process. The foreclosure sale also keeps getting rescheduled and then canceled. 

All I want to do was addressed the arrearages that were left to me in the divorce and pay my mortgage. 

My best contact phone number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (NY)

XX/XX/XXXX this year i called BMO Harris Bank Cash Back credit card to order paper check for the negative amount of {$190.00} ( see attachment ) / Female named XXXX took my request and assured me that i will receive the check within 7-10 business days. Today is XX/XX/XXXX and i still don't have not check neither money on my credit card balance. 
I think that this bank uses on me it's fraud-like practice again. 
Please force them to give me my money.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

Back in XXXX of XXXX my mortgage company XXXX XXXXXXXX XXXX sold or transferred my mortgage loan to Shellpoint Mortgage Servicing of XXXX, Texas with out notifying me. At that time I was 3 payments behind on my mortgage and struggling to catch up on my payments. On XX/XX/XXXX I received a intent to foreclose letter from Shellpoint Mortgage which was dated XX/XX/XXXX. I immediately called Shellpoint custome rservice to inquire about this. 
A service rep by the name of XXXX XXXX instructed me that Shellpoint Mortgage Servicing was intending to foreclose on my home. I told him that I would be receiving some money before XX/XX/XXXX to make the past due payments of around {$9400.00}. XXXX XXXX told me that would be ok and would prevent my home from going to foreclosure ... On XX/XX/XXXX I received the money needed to get my mortgage payments caught up. I then called XXXX customer service to make a phone payment. The rep told me that my home was in foreclosure and she would have to call me back with the past due amount to reinstate my loan. Two days later, I was told my Shellpoint that the amount needed to reinstate my loan would be around {$14000.00}. I was 4 payments past due plus foreclosure fees of about {$2800.00} due to XXXX XXXX, XXXX. I complained but made the payment of around {$14000.00} via the phone. On XX/XX/XXXX I faxed and emailed a dispute letter to Shellpoint Loan Mitigation Dept concerning this matter and requested that they reimburse me the {$2800.00} in foreclosure fees they paid to XXXX XXXX, XXXX. I finally received a certified reply letter from Shellpoint Loss Mitigation on Saturday XX/XX/XXXX denying my claim. Since my loan was reinstated in XXXX, XXXX, I have not missed a payment, Last week I received my XXXX mortgage statement via regular mail stating that I had an overdue payment of {$950.00} plus my monthly payment of {$2200.00} for a total of {$3200.00} that is due by XX/XX/XXXX. I called Shellpoint customer service automated payment line on XX/XX/XXXX to make my payment, they stated that the amount due was {$2200.00} which I paid from my bank account. Later complained to the service rep about the additonal {$950.00} for title fees, which was new to me. Service rep said there was nothing that could be done about it. Appartently, these were additional fees they tacked on from the foreclosure. Please help me. Shellpoint is trying to get me back in foreclosure. My Loan # is XXXX.