davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again.
Consumer complaint received 2022-05-24
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: Southwest Recovery Services, Inc. (GA)

In accordance with the Fair Credit Reporting Act : Southwest Recovery Services XXXX  have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me! 
15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Prosper Marketplace, Inc. (MA)

Opened car loan in  XXXX   XXXX . Auto was totaled  XXXX   XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded.   Bought a new used vehicle based on the first payoff amount I received.
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
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. (TX)

XXXX/TRANSUNION/XXXX  reports inaccurate and false information here are the following : XXXX XXXX  XXXX  XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OR)

On XX/XX/2022, US Bank allowed a fraudulent person to cash a check for {$910.00} from my checking account. Then US Bank also charged me an NSF fee of {$12.00}. On XX/XX/2022 I contacted US Bank and showed them that someone with a different name than the payee cashed the check. The sent me a bunch of paperwork to fill out. I e-mailed the paperwork back to them on XX/XX/XXXX. Still no refund so on XX/XX/XXXX I contacted the bank. They told me that they had mailed me a new set of paperwork requesting that the payee sign the fraud paperwork instead of me. I still do not have my refund of the money for the check that US Bank should never have cashed.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, Equifax to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CT)

Citibank continues to charge me overdraft fees after posting messages on their site that they will no longer be doing so. 

I try to keep a positive amount in my account, but Citibank can take days for charges to clear. If i miss, it will only be for a few hours and for less than {$10.00}. It happens once or twice a month. I will check the account, add up the pending charges, put money in, and yet somehow I go negative. 

At the same time, Citibank keeps posting this message on my account " Citibank ends overdraft fees '' while they clearly charge me {$35.00} every time it happens. When I call customer service, nobody seems to know about this policy.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (DC)

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 

1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 
2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and I.C. systems, I'm enforcing my rights and demanding they CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ) 3 ) I as a consumer have the right to PRIVACY and I.C. systems violated 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 
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 may not communicate with a consumer in connection with the collection of ANY DEBT. 
I the Consumer/Beneficiary demand  account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section. 
Reference # XXXX
Consumer complaint received 2024-03-09
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. (OH)

For the last XXXX days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via TransUnion, XXXX, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on TransUnion and XXXX as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( transunion, XXXX, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **Transunion, XXXX, XXXX XXXX XXXX Bank Balance {$150.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a XXXX day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **Transunion, XXXX, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (WI)

this account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/202XXXX XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

Hi. I am XXXX XXXX and I urgently need your help because I am receiving letters from a collection company trying to collect {$4700.00} by mistake from the specialty pharmacy that supplies my medication. 

The drug XXXX XXXX XXXX has a monthly copayment of {$250.00} that I pay with a manufacturer 's assistance card with the copayment remaining for me to pay {$5.00} each month. 

The medical insurance of my workplace ( XXXX XXXX XXXX ) and the specialty pharmacy ( XXXX rx turned into XXXX XXXX ) denied me the medicine after XX/XX/2020 and through a foundation, XXXX XXXX XXXX supplied it to me in XXXX, XXXX and XXXX. 

When it was reauthorized in XX/XX/2020, the representative could not place the order because there was a debt of {$11000.00}. After a long wait, the presenter returned and said that he had consulted with the billing department and that the balance was negative and they supplied me with the medicine in XXXX, XXXX, XXXX and XXXX, but in XXXX I received the letter from the collection company. 

Many times I have called and written to XXXX XXXX and they only try to charge the health insurance and the copay help card again and they say that everything was solved, but the collection company keeps calling and I do not believe that the health insurance and Co-pay assistance card pays for XXXX error. 

Thanks for your help. 

Translated from XXXX  language by XXXX XXXX.
Consumer complaint received 2024-03-09
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. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to Trans Union to have several inquiries removed that I had not Initiated. 
I sent a letter as they asked and they still have not removed them from my report its been more then XXXX months.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2015-09-23
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (WI)

I had a valid student loan account with the Department XXXX. I sought to consolidate the debts and filled out an application to see which loans they would include in the consolidation. They would not tell me until I filled out an application. After Filling out the application I wanted to compare their offer with other options. They informed me I had fifteen days to cancel the consolidation and that I would never again be able to consolidate these loans. There was much discussion at which point I had to cancel the consolidation because the terms offered were unfavorable and unreasonable. They instead went through and consolidated the debt under unfavorable terms. They even continued accepting payments under the old terms and did not apply the payments towards my loans. I had no reason to suspect they had in fact consolidated my loans until it was too late and they refused to fix their mistake. They still refuse payments and refuse to comply with the terms of the loans I took out. I have multiple documents and notes I can submit for this issue. I need you to tell me which ones are relevant and what you need. Please contact me to discuss. Windham Professionsals is XXXX multiple companies that are either trying or have tried to collect on what appears to be the same debt.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct These Companies has violated my rights with Hard and Soft Pull Inquiries. 

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 2022-05-24
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX