davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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 — Problem with personal statement of dispute
Company: PNC Bank N.A. (IL)

I have filed XXXX  XXXX for XXXX XXXX  and paying on the plain. my mortgage is not included in the XXXX  XXXX payment plan I pay that regular. I called XXXX credit agency directly at XXXX and was told that they do not have to report the mortgage to the credit agency. I am pretty sure this is not correct as this is a FDIC insurance back securitized bank. And they are to report all mortgage history accurately what ever the status. I did not file XXXX  XXXX but XXXX, PNC Bank is stating that they can not report until they reaffirm the mortgage. To reaffirm the mortgage means the mortgage is part of the filing of XXXX  XXXX. If that is the case then fraud can occur if mortgages are not reported that makes no sense. I am asking for an investigation to be conducted not this. My car loans that were not part of the XXXX  XXXX reported the payments and that I paid them off. So if that was the case why would they report. So something is not right. I really believe this can be a problem and why mortgage fraud is occurring because if the banks are not reporting it then how would another lending institution know? 

I can be reached on my cell XXXX or email XXXX Respectfully and thank you! 

XXXX XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

I have asked American Express to stop calling me numerous times and in written form. A legal group called XXXX and XXXX is suing me on their behalf. I have asked American Express 's legal representation to stop the calls but they continue to call me almost every day and claim that it must be about something else. They do not leave a message or provide any contact details. They just call and call and call. I am getting numerous settlement offers from American Express via mail and email but their lawyers claim they don't know about them. This is a huge and frustrating mess and I just wish they would stop calling me and harassing me every day.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing extensive evidence and documentation demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries continue to adversely affect my creditworthiness. 

I initiated the process to dispute and remove the fraudulent items from my credit report. I provided thorough explanations, supporting documents, and any other relevant information required to facilitate a comprehensive investigation. However, much to my disappointment, my request was denied, with insufficient justification provided for the decision. 

The presence of these fraudulent items not only inaccurately represents my credit history but also undermines my financial credibility and opportunities. It has resulted in significant distress, inconvenience, and financial repercussions, which could have been avoided with prompt and appropriate action from your agency. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting immediate action to rectify this matter. Specifically, I demand that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (SC)

I sent {$570.00} to XXXX using the online service of WorldRemit money transfer on XXXX XX/XX/2019 ( 5 days ago ) now today they start to asking me to send them my passport copies, driving license ( front and back ) bank statement, and AN SELFIE OF ME ( I still don't know what for ) then I have to call their agents to verbally say to them my address, phone number, the company I'm working for, why I'm sending the money, to whom and what is our relationship ( is only {$570.00} US dollars ) Five days after I send my money, WORLDREMIT do not deposit to the recipient, Mr. XXXX XXXX in XXXX, this means WordRemit is doing business with my money.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

I gave information to XXXX XXXX XXXX  to see if I was prequalified for a credit card to take advantage of a deal they had going on. They told me that I was approved for a credit card for {$400.00} and I decided against opening it and told them that I was not interested in opening a credit card through them. A few days later I get a notification on my credit report that a new account was opened for XXXX with a {$400.00} credit line. I in no way authorized this account to be opened and when told I was pre approved I said no. I am now stuck with closing this account and having it reflect on my credit report as something I authorized, when I never did. I was told I was getting a pre approval and I went against opening the account. This credit card was opened fraudulently and I did not authorize it. I simply gave my information to see my options, and since it did not work for my needs I told the clerk NO. I have no information about this card other than it was opened at XXXX and is through Synchrony bank. I have no idea of the interest rate or where the card would even be sent to.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (TX)

Online Information Services ( OIS ) claims to have some debts in my name. I requested that they validate the debt and OIS responded with a formatted letter that claims validation of the debt. However, the record of the account is printed so small it is incomprehensible. No name, dates, address, amounts or important information can be deciphered from their alleged record of this debt. This is a blatant act to circumvent the Fair Debt Collection Practices Act by using unfair practices in an attempt to collect a debt and avoid validation of the debt.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (ME)

XXXX/XXXX/XXXX emailed hardship application and supporting financials to Caliber XXXX/XXXX/XXXX Caliber requested rental agreement for rental income XXXX/XXXX/XXXX LOE needed for one item on the RMA XXXX/XXXX/XXXX Letter from Caliber acknowledging receipt of a complete packet, review to be conducted in 30 days, letter is attached XXXX/XXXX/XXXX contacted XXXX for status update, XXXX advised that the in house was completed but then they realized that this loan qualified for HAMP review ; file went back into review on XXXX/XXXX/XXXX XXXX/XXXX/XXXX Caliber advises file pending review XXXX/XXXX/XXXX Caliber advises need more information to complete review-additional docs send right in XXXX/XXXX/XXXX Caliber advises again more information There have not been any missing documents letters received by the homeowners. It has been nearly 90 days since the original packet was sent to XXXX ; XXXX review should have been completed prior to an in house review. We do not understand how they can get away with violating the guidelines. This loan is incurring additional interest and escrow advances making it more difficult to leave modification options available Caliber needs to be looked at for violation of CFPB guidelines
Consumer complaint received 2022-02-25
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Consumer complaint received 2021-03-10
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have been in talks with US Bank and XXXX XXXX XXXX XXXX XXXX  each company is blaming the other one bank says a property payoff wasn't receive and the other says it was sent. because of this error i now have 3 loans on my home. US bank states they sent the payoff and check and XXXX  says they merely received a payoff check but not an actual payoff. both loans were for 2nd position and now there is a 3rd how is that possible This will surely force me in Bankruptucy and i will also need to hire an attorney to look into this matter. It is not fair that rules were put into place by regulators but big banks dont need to follow them.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (NJ)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in 2020 and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's EQUIFAX but remains on my file. Please remove.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

When student loan repayment restarted in XX/XX/XXXX I never received notice of my monthly bill. In XXXX I had returned to school but planned to keep my loan active since I am working full-time at a XXXX and XXXX the XXXX program. When I reached out in XXXX about my payments they stated they put me in automatic in-school determent despite my old loans and new loans being separate. I asked to be taken out of deferment and started making payments. I also set up auto-repay. They wouldn't allow me to pay XXXX and XXXX so they could count toward XXXX despite being will to pay and having worked full-time at a qualifying employer. Now I find out that they cancelled my auto-pay and did not withdraw money in XXXX or XX/XX/XXXX and AGAIN put me in deferment. That is ANOTHER 2 months I will lose out toward XXXX. This is a nightmare.
Consumer complaint received 2022-02-25
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Genuine Debt Solutions, LLC. (CA)

I have been receiving call repeatedly with threats of lawsuit. In the past I asked for written documentation, which they have failed to send. They have contacted family members who do not live with me. Very abusive messages. When I have talked to them, they are verbally abusive. I do n't like to respond b/c I do n't want to give personal information over the phone. I ca n't clearly understand the company they are calling from, which makes me more suspicious. I would send a letter asking the calls to cease, but I do n't want to let these people scam me. I am very scared. The numbers they have called me from are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law offices of Steven Cohen LLC (NY)

I received a letter from XXXX XXXX XXXX XXXX in XXXX NY in XXXX of XXXX. It was a judgement letter from a supposed debt that was rendered in XXXX. I was never formally served with any paperwork stating that I was to present to Court to contest this debt. They stated that the full amount owed was {$3900.00}, stemming from interest, fees and poundage at 5 % from XXXX to the present. A debt verification was sent to the attorneys in question, since I have no knowledge of said debt. Stating that he was collecting on a judgment, I was sent a copy. The debt is from XXXX XXXX XXXX XXXX, whom I've never heard of until the receipt of the letter from XXXX XXXX XXXX XXXX. I've requested the original copy of whatever agreement was signed that accrued this alleged debt. They have threatened garnishment and/or to freeze my bank account if I don't pay, yet they are unable or unwilling to present evidence of what this debt supposedly is and who owns the original debt in question. 

Both the Law Offices of XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX are included for this complaint.
Consumer complaint received 2021-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC (MA)

On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the XXXX XXXX XXXX. I was given Ticket number : XXXX regarding my call and inquiry. 
She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. 

Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 

This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar to me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

remove collections from credit re. 
| Search in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.