davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (IL)

I am in receipt of your letter dated XX/XX/XXXX. The following is my response along with the attached Identity Theft Report from the FTC : American Education Services ( AES ) is defined as a debt collector pursuant to 15 USC 1692a ( 6 ) by 1. compiling and designing a deceptive form called a FAFSA and 2. defined under 15 USC 1692a the term debt collector means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is a fact AES is participating in interstate commerce, provided a FAFSA ( free application for federal student aid ) and is participating in the collection of any debt. The form was deceptive and its null and void. I, the consumer have all CFPB records and all mailing evidence providing the alleged debt was never verified. The consumer reporting agencies have removed this alleged account from my consumer file due to not being able to verify it and/or identity theft. FCRA 1681c-2 is the law that governs identity theft. I mailed a notarized Affidavit on XX/XX/XXXX to AES that stipulated failure to Cease and Desist shall be evidence that American Education Services intends to be guilty of the aforementioned crimes and more ( reference the Affidavit ). By failing to meet all of the stipulations required in the Affidavit, AES ' full agreement through tactic acquiescence was and is that there can be no case, collection, or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks, P. 2d 257 260. There shall be no reporting or any attempts to collect this alleged debt.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello. I have a complaint open regarding this XXXX. 
I was unable to find an area to add new documentation and information and Citizens Bank has escalated the situation. 

Citizens opened an account in my name after assuring me they would not multiple times in writing and over the phone ( please see the previous complaint and attached correspondences with Citizens ).

Since the previous complaint I received an email in response to a certified letter I sent to the Office of the Chairman. XXXX XXXX ' letter assured me they were looking into it and would handle it on XX/XX/XXXX On XX/XX/XXXX, more than a month later, I received MORE checks from them for the account they fraudulently opened. 

I just wanted this on record that rather than handling their actions, they are escalating it. 

Since this bank has proven to not be trustworthy, I am copying in all information from the previous complaint so it's very clear that they have it all together in once place. 

from complaint XXXX I had multiple XXXX accounts XXXX XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/XXXX ( receipts attached ). On XX/XX/XXXX I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/XXXX I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/XXXX who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/XXXX. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

this is XXXX XXXX pro collect in XXXX tx is saying this is my debt when i talked to them and told them i never been to tx they asked for a util payment which i sent them and they say debt still mine when they gave me the work company that person worked for wasnt even the company i worked for as a matter of fact i put on XXXX since 2020 for cance i been going for treatment in XXXX fl since then i told them that and still they say its mine XXXX XXXX
Consumer complaint received 2022-03-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-11-18
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

I have been paying on my mortgage on a bi-weekly ( XXXX payments a year ) for some time now. My total mortgage payment is {$2200.00} which is {$1100.00} every other week. On the XX/XX/XXXX, I changed my payment day of the week from XXXX to XXXX on Freedom Mortgages website and received confirmation that my next payment of {$1100.00} would be drafted XX/XX/XXXX. I then woke up to emails from XXXX XXXX on XX/XX/XXXX saying my account was overdrawn due to the payment from Freedom Mortgage being made. I tried to email and call to resolve this with Freedom Mortgage but was told by XXXX that this was an error on the banks side and I needed to deal with them. I called XXXX XXXX and they said that because it was an XXXX payment and not a bill pay, it falls on the shoulders of Freedom Mortgage. I finally talked with someone who knew what was happening, and they stated they need XXXX full business days to make changes to the auto draft which is acceptable, but not disclosed any where on the website
Consumer complaint received 2022-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I asked for the valid permissible permission used to access my credit report on XX/XX/2017 by XXXX XXXX XXXX XXXX ( XXXX ). Experian said they investigated and sent to XXXX who simply replies they are reporting accurately.?????? This has been going on for 5 years. Is Experian and XXXX managed by children or crooks because they are not professionals with integrity. XXXX and Experian play games to dodge liability.
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXXof 2018 I mailed certified letters to both Navient and the 3 major credit bureaus requesting the original loan documents that show my signature. They have never mailed any proof. I have also requested proof over the phone and I was advised that my monthly loan payment is {$0.00} per month. I was never sent anything thing in writing and the loan balance hasnt changed and is only increasing. I requested that the loan be removed!
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Quality Recovery Services, Inc. (GA)

XXXX XXXX - Quality Recovery is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or Quality Recovery.
Consumer complaint received 2023-04-10
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)

Inquiries XX/XX/XXXX XXXX - XXXXXXXX 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 Account name : CHILD SUPPORT Account Number 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 The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date is incorrect and the reported date is inaccurate. This is grounds for removal. My rights were violated under 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 : Its also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2024-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (OH)

My mortgage company said my escrow was short so my payment went from {$700.00} XXXX XXXX per month which I called them and said Im on a fixed income and youre putting me in financial hardship and can you extend the escrow loan over a three-year period and they told me youre not delinquent youre not in foreclosure we cant help which yes they can. This is not right, so I am contacting you to make a complaint with this mortgage company/bank dissatisfied
Consumer complaint received 2024-06-02
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called XXXX and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms butt dialed this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of Home Depot 's receipt that was canceled because I caught it this people in New York were trying to buy XXXXXXXX XXXX worth of cameras at Home Depot with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called Home Depot and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told Home Depot it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE FIVE incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report five things so that's why I'm here thank you to your help in advance
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (AZ)

XXXX XXXX was paid in full on XX/XX/2023 ( see attached receipt ). XXXX XXXX proceeded to send to collections ( see email from XXXX XXXX at XXXX at XXXX XXXX ). As a result, my credit score went from XXXX to XXXX ( see attachments ) forcing me into a significantly higher mortgage rate and delaying the close on my house ( see email from loan officer on XX/XX/2023 ). XXXX at XXXX emailed me on XX/XX/2023 and text me on XX/XX/2023 ( see attachments ) to waive the amount that went to collections and rejoin for {$1.00}.
Consumer complaint received 2023-07-07
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (TX)

XXXX XXXX  directory customer # XXXX repeatedly billed monthly services to my business account XXXXXXXX XXXX XXXX XXXX of {$360.00} after I had canceled with emails to the XXXX telecommunication directory. XXXX is trying to collect {$360.00} after the company received an email of cancellation and reported it to a third party for collection with True Accord account # XXXX. I had included an email of cancellation and received replies from the XXXX XXXX  directory, but they refuse to stop the illegal billing of subscriptions.
Consumer complaint received 2022-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Experian decided to willfully break federal law and illegally refused to accept a dispute of incorrect information on my credit report. I have a screenshot proving Experian is willfully breaking federal law.
Consumer complaint received 2022-03-19
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. (CA)

In 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.

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {XXXX  up to {$XXXX}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.
Consumer complaint received 2022-08-27
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: NEW CITY FUNDING CORP. (NY)

accordance with the fair credit reporting act XXXX  account # 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 states a consumer reporting agency can not furnished an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-19
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: Convergent Resources, Inc. (IL)

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$XXXX}, Date opened. XX/XX/2018.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

Fraudulent transaction on XXXX app with XXXX and synchrony bank for an XXXX inch television XXXX, never received never had communication with seller, listing and seller vanished as soon as I tried to report problem two days later. Seller on XXXX is huntethiel vanished when I tried to report fraudulent transaction. I have supplied sufficient documentation showing I never received item but the bank will not rule in my favor.
Consumer complaint received 2022-03-19
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. (MA)

I sent a certified letter to Experian XX/XX/2022 requesting confirmation of the accuracy of my credit profile, the letter was received by Experian XX/XX/2022 and I've yet to receive a response. According to law Experian has 30 days to reply, to date it's been 40 days since receipt of my request.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (SC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

there is/ no reason for/my credit score to decrease. All accouts are/up to date, payments on time and paid and debt to income has decreased. As usual in my opinion another examoke of uneotness and deliberate fraud to keep/my credit score low! 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. ell that to my bank who I am trying ti refinace with to rid myself of evikls kike you! 

XXXX XXXX Poor Fair 580 - 669 Good Very Good Exce