davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unity Asset Management (MD)

Received a voicemail today from a XXXX XXXX : Yes ________ _________ my name is XXXX XXXX I'm calling with the office ___ __ I'm contacting you today in regards to information received for a client they want us to make yourself or legal representative or the matter and also get your XXXX prior to them moving forward if either of you can reach you back from you today my phone number is XXXX number is XXXX and your claim over XXXX again this is a time sensitive matter so please make sure we hear back from either of you immediately today I found that it was a company from Unity Asset Management. I didnt receive the voicemail until XXXX and called to receive information about debt since they said they were a collection agency ( through the website ). I pressed zero to talk to a representative ( their website claims they are open from XXXX to XXXX ) and it did not lead me to ANY representative except XXXX XXXX XXXX I called numerous numbers from the website ( XXXX, XXXX ) and the one listed in the voicemail and they all lead to the same person XXXX XXXX. This seems to be the recurring thing with her and being contacted by a XXXX XXXX and so forth. I have NOT recieved a piece of paper from this agency or have been made aware that I would need a legal representative. I will not know until they call again it seems.
Consumer complaint received 2022-06-01
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. (TX)

In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I signed up for an Income-Driven Repayment Program in XXXX, 2017. I was able to keep those payments current until I was forced to take a XXXX  XXXX from my job. When I contacted Navient to report that I would be unable to make my payments, I discovered that my payments actually increased ( which I was never told ) and they gave me no other options that could help my situation. 

I have repeatedly reported to Navient that I have XXXX  XXXX XXXX XXXX XXXX and am struggling physically, emotionally and financially. Meanwhile, they continue to harass me. I was just given an ultimatum that I needed to pay {$6300.00} by this past Friday or I would be facing legal consequences. All the while I keep repeating to them that I just don't have the funds. 

Please help.
Consumer complaint received 2018-09-30
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)

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and Transunion advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and Transunion. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as Transunion. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

My mortgage was recently bought by Specialized Loan Servicing LLC. To pay my mortgage I can choose to pay by phone, online, or send a check. Unfortunately, with all those methods you need an account number. I was never sent an account number in time to make my payment on the first of the month. AND their entire website is down. I've tried it on multiple devices and connections .AND it is after-hours for the phone system.
Consumer complaint received 2018-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MO)

I am a lawyer representing my daughter on this claim ( and I am now the subrogee ). On XX/XX/2018, my daughter noticed almost {$800.00} in fraudulent expenses charged against her debit card issued by TD Bank. She notified the bank immediately. On XX/XX/2018, TD Bank denied her claim. In the letter of denial, TD Bank wrote : " You have the right to request documentation used to make our decision. '' The letter had a phone number at TD Bank at which we could call to ask questions. On XX/XX/XXXX ( before receiving the XX/XX/XXXX letter ), we reached that number and requested documentation of the reasons for the denial. The TD Bank representative said the information would be sent to us, but this did not happen. We wrote to TD Bank on XX/XX/XXXX specifically requesting the information. TD Bank did not reply to this letter. On XX/XX/XXXX, we both called and wrote to TD Bank reiterating this demand for the documentation of the denial. Again, TD Bank did not reply. Four months later, TD Bank is still refusing to explain ( or is unable to explain ) the reason for its action. 
In brief, my daughter suffered a theft from her checking account due to fraudulent use of her debit card. This caused her hardship. She complied with all procedures for submitting a claim. TD Bank is now ignoring our requests for the documentation they promised to provide. This refusal is unacceptable and, we believe, contrary to law. 
We ask for your help in requiring TD Bank to provide the promised documentation of the reasons for its denial of my daughter 's claim.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

I applied for a loan modification through Bayview Loan Servicing. My house was almost totally destroyed during Hurricane Florence in XXXX. Bayview Loan Servicing has received multiple payment from my insurance company. The amount of the insurance payments is approximately XXXX. The total loan payoff is estimated at XXXX. The home is currently in the process of being repaired and I have been keeping an open line of communication with the servicing provider so that I will not lose my home. I received a mortgage statement dated XX/XX/XXXX with {$2600.00} in unexplained fees. They claim these fees are for property preservation, property repair, hazard insurance claims, lock charges etc.. 
The property is covered by an insurance claim and these additional charges have not been substantiated. No one at Bayview Loan Servicing is able to tell me why we incurred these charges.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX account no.XXXX .... is wrongfully appearing on my Experian credit report.XXXX XXXX , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers. 
My 48 month auto loan was paid off.After receiving clear title, the pink slip from XXXX XXXX a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for XXXX XXXX fraud to Experian the account remains on my credit report.At the least this account should be immediately deleted and XXXX XXXX, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CT)

Since XXXX, I have had a Wells Fargo Visa credit card and have made all payments promptly and on time. 

When I received my XXXX bill, I wrote out a brokerage account check for the entire amount of {$9100.00} and mailed it on XXXX. It was paid on XXXX 

After receiving a text message from Wells Fargo on XX/XX/ indicating that my payment was not received, I asked an employee at my brokerage account to provide Wells Fargo 's Payment Research Department with documentation showing that the check was paid. 
I then received a letter from Wells Fargo dated XXXX indicating that " after completing the investigation on this matter, we have determined that our records are correct and the status off your account is accurate. '' On XX/XX/, I asked the same employee at my brokerage account to provide a copy of the canceled check ( front and back ) to XXXX XXXX at Wells Fargo 's XXXX XXXX. Upon receipt of the canceled check, XXXX XXXX assured me that he would look into the matter and follow up with me. 

When I attempted to use my Wells Fargo Visa card to buy groceries yesterday ( XXXX  ), it was declined.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Fraudulant charge on credit card-capital one. The charge was made on my XXXX account online with my capital one credit card. I believe it was a criminal employee. Someone ordered XXXX car stereos at {$500.00} apiece. Why on Earth would I order 5 car stereos? it was a fake order and fake delivery was set up and they claimed I ordered. I find it interesting that capital one and XXXX are both owned by XXXX bank. I disputed the charge but XXXX claims it was delivered and won't do anything about it. capital one is trying to force me to pay it. I refuse to pay for something I didn't order and never received. there was no delivery.I have a ring security camera I and never received. A fake XXXX tracking number was used.
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (GA)

I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 XXXX Dc XX/XX/18 XXXX XX/XX/18 XXXX Fa XX/XX/18 Discover Bank
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax is reporting a bankruptcy on my credit file that does NOT belong to me. I have reached out to them numerous times to have this issue resolved. Furthermore, I file a suppression request with XXXX XXXX so im Not sure how Equifax is verifying this bankruptcy.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received a copy of my credit report and, to my surprise, XXXX, XXXX and Transunion are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX lock that my information is on the XXXX XXXX. Strange addresses popping up under my name.
Consumer complaint received 2022-12-19
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 am a victim of identity theft. 

My information was used against my will. 

These fraudulent inquiries were UNauthorized. 

My identity was used illegally and these inquiries are fraud. 

Please block and remove these UNauthorized inquiries. 


Please Block and Remove these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-01
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. (SC)

Experian in their dispute process, is by all accounts lying about verification processes in order to continue reporting for profit. Their refusal to investigate because they had already investigated an items, isn't with merit, when creditable evidence exist that the reporting is wrong, I furnished that creditable evidence and they still ignored its. 

Recently it was found that some person or entity was using an old address of the consumer, and applying for a credit card from XXXX XXXX, and XXXX XXXX, which utilized a Experian report, and ultimately Experian reported the item to my credit, which is subjected to an investigation, upon which it was noted that the social security number of XXXX wasn't this consumers social security number. 

Now in reference to the reported Bankruptcy reported on this consumers credit report, from XX/XX/2014, the credit reporting agency stated that it was verified as belonging to this consumer, while XXXX stated it wasn't and in addition to this additional information, their isn't any manner of verification that they can stand on that it doesn't belong to XXXX, other than this consumer, because all they have is the last four in their reporting.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXL XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1600.00}
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-01
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. (TX)

In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

This complaint is in reference to Conn Appliance , Inc. On XX/XX/XXXX I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX which is the address listed on my credit report. This letter was returned to me unopened, as was the previous two that I sent over a year and a half time span. This time I held on to the returned letter. A copy of this letter is attached. I have also uploaded the contents of the letter with the information in which I was requesting from Conn Appliance , Inc. Here 's a little back story. On XX/XX/XXXX I was served by XXXX XXXX XXXX, XXXX. which is a debt collecting company filed with the plaintiff being Conn Appliance , Inc. I retained an attorney for my case number XXXX. Conn Appliance , Inc retained XXXX XXXX. This debt claim was canceled on XX/XX/XXXX. The balance due as of XX/XX/XXXX was {$0.00}. I have been trying to contact Conn Appliance , Inc so that I could get this removed from my credit report with all the credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported to XXXX that account as on-time ( copies attached ). On XX/XX/XXXX Conn Appliance reported to XXXX that account not paid since XXXX ( copies attached ). I did also noticed that the address listed on my credit report is the exact address that I have attempted to mail three previous letters to, and they all were returned unopened. This matter has caused my credit to plummet tremendously. This matter is now causing me a great deal of stress and uncertainty. I have to move in less than 30 days, because the home owner is moving back into the home due to returning to area on XXXX XXXX. My current credit score will not qualify me for a rental or to purchase a home which is going to leave me and my family homeless. I really need this issue addressed and rectified as soon as possible. Thank you in advance for your help and know that it is greatly appreciated.
Consumer complaint received 2022-05-31
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX  ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX , ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # : XXXX,
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my Equifax and XXXX credit report