davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im 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 these items from my credit report it has been over 45 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 Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (KS)

ON XX/XX/XXXX I tried to contact XXXX  to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

Started communication with Pacific Credit back in XXXX by responding to their dunning letter. I sent them a request for validation and they sent me a statement with a signature that is not mine ( Forged ) which had my personal and medical information on it. I sent them a letter asking them to send the alleged debt back to XXXX because they sent something that I didn't sign or authorize. I have also sent them letters asking them to remove the alleged debt due to Pacific Credit not validating the alleged debt they claimed I owe them. They have not responded to any of my requests after they sent the fraudulent document. If they would like to have an analyst review the document I would be glad to assist them in this process. I have also been in contact with XXXX XXXX about this and have gotten no response.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNT ON THE REPORT IS AN ACCOUNT THAT HAS BEEN PAID IN A SETTLEMENT AGREED BETWEEN ME AND THE COMPANY. SINCE THE ACCOUNT HAS BEEN CLOSED AND SETTLED, I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF MY CREDIT FILE. IT HAS BEEN TARNISHING MY CREDIT AND I AM IN DISTRESSED THAT IT HAS BEEN HOLDING ME BACK FROM ACQUIRING NEW CREDIT. PLEASE HONOR MY REQUEST AND HAVE THIS ACCOUNT REMOVED OF THE CREDIT.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Pursuant to 15 U.S.C.sec 1681 Pursuant to 15 U.S.C.sec 1681c-1 ( A ) I the consumer have the right according and under the Fair Credit Reporting Act ( FCRA ) to have any fraud alert removed. I want the fraud alert that has been placed on my credit file removed. I'm attaching appropriate proof of identity for such purpose.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

ON XX/XX/XXXX I tried to contact TransUnion to dispute inquiries that appear on my report as a result of fraudulent activity. Two representatives refused to help me and would not apply a fraud alert. The following inquiries are fraudulent : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TN)

I check my consumer report & seen that SPRING OAKS CAPITAL LLC was reporting a ALLEGED DEBT on my report! SPRING OAKS CAPITAL LLC never sent me any information about this ALLEGED DEBT. I am disputing and requesting validation according to Title 15 U.S. Code 1692g SPRING OAKS CAPITAL LLC HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS
Consumer complaint received 2020-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (WV)

I paid off a loan with University Accounting Services In XXXX of 2020. When I paid I made an over payment of around {$270.00}. I have made several phone calls to the company, always getting the run around and different answers. I was originally told 45 days. It was then extended to 60 days. I was told the check was in the mail, then I was told there was no check and they didn't know what was going on. I am owed over {$270.00} from University Accounting Services due to over payment.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXB XX/XX/XXXX.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

We have been working with the Mortgage company for over a year with this same problem The Mortgage company continues to report missing months of payments. We have sent documents to provide proof of payments made and received by this company. 
They have sent default letters and return payments back to us, stating we are 90 days overdue. We asked in certified mail to send us confirmation of proof we are behind. We have never gotten a response with this information requested. They have add insurance cost to the mortgage payments. We have provided documentation from the insurance company with proof of insurance on this property. They continue to overlook all the efforts we tried to handle it between us I feel it time to contract or try another way to get this problem corrected. I am open for advise on how or what we need to do so e can end this matter. False information is been reported to Credit Bureau and need to be corrected on our Monthly Statements also. All we are asking is to provide information confirming missing payment, because our records do not show anything missing. ( payments nor insurance ).
Consumer complaint received 2020-12-30
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: CITIBANK, N.A. (MD)

i have been trying to resolve this matter with this company Citibank for almost a year to no avail. 

My recent correspondence with them was as early as XX/XX/XXXX when i sent a letter and they received it XX/XX/XXXX but never responded. 
i sent them a fax to there dispute department XX/XX/XXXX no response. 

I have requested verification for this debt through an original contract bearing my names, signatures and any identification verifying my identity prior to them offering credit due to the inconsistency and misinformation being reported. 
under the fair debt collection i have the right to requests for contractual agreement between both parties if i believe there is misrepresentation in there reporting to the credit agencies. 

I have disputed this account with all the three credit bureaus to request the creditor to provide contract based documentation to me but they were not able to. 

Here attached you will find inconsistent dates this account was opened, high limits, credit limits, last payment, last active and last payment dates. 
and they are unwilling to provide to me documentation to verify this account is mine.
Consumer complaint received 2022-11-01
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. (CA)

I sent a letter on 10/15/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-12
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a XXXX person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America claimed my account was overdrawn on XX/XX/XXXX and charged me a {$35.00} fee. The closing balance on XX/XX/XXXX was {$9.00}, however.
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (GA)

Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.
Consumer complaint received 2021-08-26
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX  : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX  : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NV)

On XX/XX/XXXX and XXXX I put two deposits on merchandised it was not received. One was for XXXX US dollars and the other was for XXXX US dollars. After receiving the money this person blocked me and did not deliver on said merchandise. I tried disputing through google pay which is what I paid him through and google pay denied my dispute. I tried disputing through my bank, which they denied my dispute as well claiming that because it was through a third party they could do nothing. XXXX  XXXX XXXX has referred me to your company.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

Hi, I am filing a complaint against TD Bank. 

XX/XX/2021 my husband purchased running shoes from XXXX XXXX. The phone number is XXXX. I highlighted the charge on the attached XX/XX/2021 statement. The amount is {$140.00}. My husband never received an order confirmation from XXXX XXXX XXXX the shipping information. Therefore, he filed a dispute with TD bank. We received a letter from TD bank stating that fraud did not occur. While waiting to resolve the dispute, the sneakers arrived. My husband returned the sneakers to XXXX XXXX, asking for a refund. XXXX  XXXX returned money to a closed TD bank but TD bank refuses to refund us the money. TD bank can not locate the money. 

We worked with the local TD branch in XXXX XXXX, Florida to find the money. The money is not found after a month. 

Can someone help us locate the money and reimburse us? 

Thanks. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GVA Holdings, LLC (AZ)

I was checking company 's to try and get a loan to help with bills. The company then forged my signature and forced a loan on me that I did not agree too. I reached out and asked why they did this. I tried to return the funds by check since they were not responding. I then had the check returned to me. They forged my signature and forged an agreement which I did not agree too. Now they are trying to force a payment out of me with interest payments. They still refuse to respond and take back just the original amount. They hacked my phone and got my banking information cause it was connected to my phone.
Consumer complaint received 2023-03-04
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. (NJ)

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XXXX/XXXX/2022 XXXX/XXXX/2022
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (PA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (GA)

Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I was told my income recertification was coming up and I was required to recertify my income for my SAVE plan. When going through the process, I discovered that switching to a new plan ( ICR ) would have me paying a lower monthly payment while staying on PSLF. So I switched to this plan. Shortly after this, I saw through the news, that the income recertification was delayed and pushed back! Mohela never sent me notification about this. When I reached out I have received several different conflicting answers. 

1. It would happen automatically and there is nothing to do on my end.

2. Since I switched IDR plans, I do not qualify for the extension on the deadline to recertify.

I only switched plans due to the deadline of income recertification, and would have stayed on my existing plan to keep my lower payment.

I am looking to have my payment reverted, and a refund of the difference between my old payment and my new payment.

I have done online messaging, and called in to Mohela several times, but nobody can give me a straight answer, and some flat out lie and make up answers https : //studentaid.gov/announcements-events/idr-recertification-extended
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

I am writing to complain that XXXX account or even closed it to avoid the fees. The account had {$12000.00} when I closed it XX/XX/2021. 


This is for a business that I own that is not active. 


The bank failed to send me statements for years. They said they didn't have my newaddress. My address is on the checks I wrote each year for the license renewal. 


THEY HAD MY ADDRESS TO SEND ME A BILL EACH YEAR FOR A SAFE DEPOSIT BOX.. 


The address can certainly be found on XXXX. The bank representative over the phone said they had returned mail on file. That too would have had my newaddress on it. My phone has not changed. 


This account has only been used by me to write 1 or 2 checks a year to renew license etc. 


It has been sitting there for almost 10 years with the bank taking from it. 


What are my options to have these unauthorized fees refunded to me? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX cell XXXX office