davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide (CA)

Bank Account that belonged to my mother was garnished because my name was on the account. When my mother did an injury why her balance was so low on her account the bank told her about the garnishment. The bank gave my mom the information to call and find out what happened, That's when she was told that there was a judgment against me from a debt from 20 years ago. 
I was never informed of the debt nor the judgement. I did not receive any information regarding this debt or that I was being sued. 
Had I known that I needed to appear in court I would have gone. NO paperwork was ever sent to me regarding a court date. 
When I received the information I called Harris and Zide that is who filed the judgment. I was told that they don '' t have to notify me that they are suing me or of the court date. 
I asked about the account in question and all I was told that it was too old and they didn't have the information, I asked them how then can you sue me? I was told that they can
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

On XX/XX/2020 I refinanced my mortgage with Quicken loans. I told my loan representative that I didnt want my payment taken as the refinance funded and paid the prior loan. I was assured again and again that they would not take my payment. They did. I've talked to numerous people including the district manager of mortgage lending and was assured they would correct their mistake. 22 days later I still dont have mymoney back.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (PA)

I am court appointed guardian for XXXX year old suffering from XXXX and in facility. Guardian appointed after Older Adult Protective Services determined her to be neglected and financially exploited by family members. In 2012 she co-signed for a federal PLUS load to benefit a great niece. We applied for XXXX XXXX XXXXXXXX XXXX XXXX of co-signer obligation. We have doctor certification that co signer is permanently XXXX and can not engage in gainful employment. We submitted Great Lakes Education s Loan Services ( Servicer ) account number XXXX and copies of correspondence from Servicer indicating borrower making payment schedule. Servicer provided us with copy of loan application but redacted social security and birth date info.We provided this application to XXXX. Original loan ID # XXXX. XXXX is refusing to grant discharge of co-signer obligation because family is uncooperative and we can not obtain dates of birth and social security numbers for borrower and student.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our  solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-12-15
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: Early Warning Services, LLC (FL)

RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that { XXXX  XXXX XXXX acct # { XXXX } dated XX/XX/2020 has listed negative information on my file i have no knowledge of these accounts please remove asap thanks, ( XXXX  XXXX XXXX acct # XXXX XX/XX/2020 ( XXXX XXXX  acct # XXXX ) XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX  acct # XXXX } XXXX XXXX XXXX account # XXXX } i don't have no knowledge, of these accounts I am therefore writing to request full REMOVAL of this information as is my right underneath the Fair Credit Reporting Act. 

I request that these { negative listings } be permanently removed from my report. 

For your records, my contact information is as follows : { XXXX XXXX } - { XXXX XXXX XXXX XXXX # XXXX } { XXXX fl XXXX }
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-02-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MI)

My mortgage is a fixed VA with assumption rider signed XX/XX/XXXX. I divorced XX/XX/XXXX and I want my ex off of my mortgage. I am being denied mortgage assumption and any information about my mortgage companies successor in interest program. 
My mortgage company ( New Penn Financial, New Rez LLC d/b/a Shellpoint Mortgage Servicing ) denies eligibility in VA loan assumption or their successor in interest program, sends email or letters requesting more time, offers far more expensive refinancing and cash out options, and transfers phone calls through their phone system until disconnect. Since my divorce I have called, emailed and used my mortgage company online utility ( each multiple times ) to try and work with my mortgage company. My mortgage assumption rider requires approval of the Department of Veterans Affairs. I completed the VA assumption package and have been approved to assume full responsibility of my VA loan since XX/XX/XXXX. I have only received hang ups, email with links that dont work, and letters requesting more time. I wrote my mortgage lender and their parent company another request for mortgage assumption after receiving a notice of bankruptcy from my ex ; with explanation of circumstances, and included my divorce decree, quitclaim deed, and signed VA Release of Liability. I received a denial almost 90 days later due to a claim of account past due although I do not have any late payments ; and my ex already completed her bankruptcy two months prior. 
XX/XX/XXXX Original VA mortgage signed with XXXX XXXX XXXX  with assumption rider XX/XX/XXXX Denied assumption by New Penn Financial in email you can only refinance XX/XX/XXXX New Penn Financial changes name to New Rez. No change to mortgage terms and conditions. 
XX/XX/XXXX Letter from New Penn Financial stating working to gather the requested information and will forward it to you as soon as possible. 
XX/XX/XXXX Letter from New Rez stating working to gather the requested information and will forward it to you as soon as possible. 
XX/XX/XXXX Letter from New Rez stating due to complex nature of the matter we respectfully request additional time to respond fully to your inquiry. We apologize for inconvenience and appreciate your patience in this matter. 
XX/XX/XXXX email from New Rez offering refinance. 
XX/XX/XXXX my email requesting assumption due to exs bankruptcy, including VA assumption approval, divorce decree, completed quitclaim deed. I receive email from Shellpoint Mortgage Servicing We are working to gather the requested information and will respond as soon as possible. 
XX/XX/XXXX Letter from New Rez LLC d/b/a Shellpoint Mortgage Servicing You are ineligible for an assumption. The account is past due. I have the statements to prove the account is not past due or even late.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

I attempted to contact Experian, XXXX, and XXXX about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my report.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FTC Report Number : XXXX Victim Fraud Assistance Department, XXXX Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Transunion and XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Consumer complaint received 2020-02-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (FL)

On XX/XX/XXXX I returned the Car that I had a lease with US Bank. The monthly payments were {$950.00} done on the XX/XX/XXXX every month automatically by my bank, the XX/XX/XXXX of the month was the due date ( as seen on US Bank statements attached ). 
On XX/XX/XXXX US Bank fraudulently sent a statement with a due lease payment by XX/XX/XXXX ( The lease had finished by then ). My Bank on XX/XX/XXXX paid the due amount of {$950.00} for the period of XX/XX/XXXX to XX/XX/XXXX. This payment was a wrong charge as the Lease ended on XX/XX/XXXX, so the last payment should have been on XX/XX/XXXX, covering the period on XX/XX/XXXX through XX/XX/XXXX. 
I called US Bank and they told me the money would be refunded, I called again on XXXX and was told the same thing and today XX/XX/XXXX ( two months after ) I was told the same story.
Consumer complaint received 2022-12-14
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. (MA)

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (AL)

XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 on XX/XX/2023 i lost my wallet thats its showing hard Inquiry
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

This is regarding the following billing disputes with Citibank : XXXX XXXX XXXX Purchase Price {$9.00} Purchase Date XX/XX/XXXX Dispute Date XX/XX/XXXX Withdrawn XX/XX/XXXX : XXXX XXXX XXXX Purchase Price {$10.00} Purchase Date XX/XX/XXXX Dispute date XX/XX/XXXX Withdrawn XX/XX/XXXX : I was issued permanent credits with no additional documentation required. Recently, I was informed by Citibanks executive office, XXXX and XXXX, that they have been issuing me permanent credits, but when a merchant disagrees with my dispute, they have still been paying them as well. Then, they have been taking the amounts and charging them off on their P & L sheets. Then, they have been coding my disputes as misrepresented despite failing to ask me for my own supporting documentation. 
I have discussed the problems with refunds over the last 12 months with the XXXX store manager, I have written an online complaint to their corporate office ( they still have no responded ), I have filed a XXXX   complaint against their corporate office ( they still have not responded ). The XXXX store manager apologized for the problems and has issued me in-store comps for three meals. I have received two so far. I have withdrawn both of the disputes despite not knowing whether Citibank paid this merchant or not, because they have failed to provide me with a complete list of the so-called misrepresented disputes. Despite withdrawing both, the only one that has been rebilled is XXXX. In addition, despite asking for full dispute paperwork and the merchants response in writing to their billing department, they have failed to provide me with the documents to date. In addition, Citibanks Notices and Letters page isnt showing any of the dispute paperwork. The majority of my dispute paperwork has either never been uploaded or has mysteriously vanished. They have also not sent paperwork to my mailing address regarding these disputes. 

I am including screen prints of the dispute summary, copies of the comped receipts, copies of e-mails sent to billing disputes, a copy of the transaction rebill, a copy of how to calculate sales tax for XXXX, and a copy of this letter in PDF format.