davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (FL)

According to the FCRA and the FDCPA by law, Equifax, XXXX  and XXXX  are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on Equifax and XXXX  are two different amounts. 

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE
Consumer complaint received 2021-10-12
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. (NJ)

I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX Notices XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is a resident not no retail business as stated by Experian. Experian needs to stop putting incorrect information and creating address and false information and stop adding made up address with incorrect information. Every other few months Experian has this pattern of false. Stop creating false address for profit to sell.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

Went to XXXX to request my reportdsince you can only now get charged for reports on XXXX, Experian, and XXXX site. 
Provide an excessive amount of personal information, far more than I have ever had to provide in past years. 
Then, in order, each agency throws up some bogus info indicating their site is down, they can't recognize me, or I need to make my request through the mail. 
I when through the process several times and got differing messages from each agency each time. ( I saved screenshots. ) Unless this site has been hijacked, it appears the agencies will do anything to get me to pay to view my reports in violation of federal law.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (OH)

I got letter saying XXXX XXXX was going to garnish my wages. Im single mom on welfare and I can not afford {$86.00}. Im fine with the garnishment but last time you took. {$10.00} pay out and I would be okay with that again. I am willing to pay my debt. I also was never notified about this until, my employer told me.
Consumer complaint received 2018-08-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OH)

Several phone calls to all my family members and released my personal financial situation, I tried to resolve by asking payment options they have threatened garnishment and said they are unwilling to assist with payment arrangements, I had to State I would need to contact my attorney if they continued but then they wouldnt comprise at all, they call several times a day, use different names for myself that are not my last names and calling several people in my family XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (FL)

i have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper took over for our loan servicing company in XX/XX/XXXX.Loan number XXXX.My monthly payment is XXXX per months.Now due to an error on their part they are raising the escrow required. 
They are using docs from XXXX to adjust the escrow.Instead of using docs from XXXX and XXXX. one of the docs been used in my homeowners policy which was higher in XXXX than XXXX and XXXX.I have tried to correct this with them but they refused. 
My loan is a conventional loan without any PMI osr any other requirements.Attached you will find my insurance bills from XXXX that shows premium to be {$2600.00} yr and my XXXX that shows {$2600.00} yr.I am also attaching my tax bills from XXXX and XXXX.where it shows that my taxes went up {$57.00} for XXXX which equates to {$4.00} more a month. I spoke to a rep from Mr.Cooper today XX/XX/XXXX and they couldn't explained to me why the increased on the escrow.In fact they were using docs from XXXX and wrong tax info. 
I am appalled that this outfit is allow to practice as a loan administrator/Apparently they do not know how to do math or they are just crooked. 
Please help. 
XXXX XXXX
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX H ( XXXX ) XXXX C ( XXXX ) XXXX Social Security number XXXX XXXX Consumer financial Protection Bureau To whom it may concern : I would like to dispute and have remove a Public Record listed on my Transunion Credit Report. This Public record is inaccurate and incomplete its missing the outcome ( Discharged Dismissed Etc. ). It also does not state what chapter etc. I have disputed This Item several times however it continues to be verified as accurate.

Enclosed with this request is a copy of my social security card and my drivers license.

Thank you for any help you may provide in this matter
Consumer complaint received 2019-09-08
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: Experian Information Solutions Inc. (GA)

Hi after going over my Experian credit report I see a long list of collection agency that has flagged accounts that was disputed and never verified. Theses are from XX/XX/XXXX to XX/XX/XXXX. They flagged my report and post negative marks and thats not right and shouldnt be allowed to do that and Im a XXXX senior
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I moved out of a rental property on XX/XX/XXXX and was given a final account statement 18 days later on XX/XX/XXXX for an amount of {$210.00}. I was then sent a revised statement for {$760.00} on XX/XX/XXXX which is outside of the 21 day limitation set by California Civil Code 1950.5. I have informed the collection agency of this discrepancy multiple times and no action has been taken by them.
Consumer complaint received 2021-07-14
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. (WI)

I went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from chexsystems A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and Experian as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Klarna AB (DC)

KLARNA XXXX " buy in 4 installments '' plan no longer allows me or other consumers to use our accounts as KLARNA is doing a soft pull on our XXXX credit reports. 

I have never given KLARNA access to my XXXX report. I do not recall them asking for my permission. 

I was in a merchant that KLARNA uses and they were unable to complete my purchase although I had {$590.00} in available credit. I contacted KLARNA on XX/XX/2022 at approximately XXXX EST and was told by a representative that KLARNA decided to " try something new for future purchases ''. 

I feel this is unfair, illegal and very biased. 

Please help.
Consumer complaint received 2019-09-08
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. (FL)

I have sent in multiple police reports and ftc reports regarding accounts that were open fraudulently under my name. I have been able to get these accounts removed with no problem with the other credit companies except Experian. I was told by a rep on the phone if the accounts are ever added back to simply send back in my ftc reports. I have uploaded twice on their we site and sent in 2 certified letters via usps but no resolution. the fraudulent accounts are still on my report. I have traced and seen where my letters have been received.
Consumer complaint received 2019-09-07
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. (MN)

Experian is refusing to delete a fraudulent lease debt from my credit report. They also continue not to throughly investigate disputes, if they had they would be aware that this fraudulent activity was removed/Expunged from public record as well as Experian databases in XX/XX/2018. Which was a direct result of me taking the Debtor to court and winning my case. I have sent uploaded official documentation from the housing court stating there are no adverse lease judgments against me nor has there ever rightfully been. Yet, Experian has made no attempt at removing this false and fraudulent information.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

ON XX/XX/XXXX I WAS GOING OVER MY CHECKING ACCOUNT AND NOTICED, THAT THERE WAS A WARNING SIGN ON MY CREDIT CARD STATEMENT. THIS WAS DONE LOOKING AT IT ON MY CELL PHONE. IT SAID THAT I WAS OVER MY LIMIT. SO I STARTED LOOKING AT THE CHARGES. THERE WERE 18 CHARGES ON MY CREDIT CARD THAT DID NOT BELONG TO ME. SO I CALL WELLSFARGO CREDIT CARD FRAUD DEPARTMENT, AND TOLD THEM THAT THESE WERE CHARGES THAT I DID NOT MAKE. I TOLD THEM THST THE LAST TIME THAT I USED MY CARD WAS AT THE XXXX XXXX XXXX ON XXXX XXXX, AT XXXX XXXX, I WAS LEAVING MY NIGHT JOB, GETTING READY TO GO TO MY DAY JOB AT XXXX XXXX. IN THE BEGINNING THEY GAVE ME MY MONEY BACK, THEN THEY REVERSED IT. THEY SAID, THAT MY CARD WAS PHYSICALLY USED. I TOLD THEM THAT THAT COULDN'T BE BECAUSE I HAVE MY CARD. THEY BASICALLY CALLED ME A LIE. THEY NEVER INVESTIGATED ANYTHING. ONE OF THE CHARGES ON MY STATEMENT WAS FOR A HOTEL IN XXXX, I HAD MY SISTER LOOK IT UP. WE GOT A PHONE NUMBER CALLED THEM THEN WENT DOWN TO THE HOTEL. I ASKED THE MANAGER, YOU GUYS DON'T CHECK ID WHEN CHECKING IN. HE SAID IT WAS DONE MOBILE TO MOBILE. THAT THEY NEVER HAVE TO EVEN SEE THE PERSON. IT WAS A SIGNATURE ON THE RECEIPT THAT DID NOT BELONG TO ME. SO THERE WAS A WELLSFARGO ACROSS THE STREET I WENT OVER AND SPOKE TO A BANKER THERE. HE REACHED OUT TO THE CREDIT CARD DEPARTMENT ON MY BEHALF, AND SUBMITTED THE DOCUMENTS THAT I GOT FROM THE HOTEL, VIA FAX. THEY DENIED ME A SECOND TIME, SAYING THAT THEY INVESTIGATED. DENIED ME AGAIN. SO I FILLED OUT A POLICE REPORT SUBMITTED TO THEM, VIA FAX. THEY DENIED IT AGAIN SAYING THAT THE CARD WAS PHYSICALLY PRESENT .I TALK TO SOMEONE FROM A DIFFERENT BANK AND THEY TOLD ME SINCE I FILED A POLICE REPORT THAT I CAN ASK FOR ALL CAMERS TO BE PULLED. SO ON XX/XX/XXXX I CALLED AND SPOKE TO A SHARETTAIN CLAIMS, AND ASK ALL CAMERS TO BE PULLED. I ASKED FOR PROOF AND DOCUMENTATION SENT TO ME. THEY TOLD ME I HAVE TO WAIT. I HAVE TAKEN OFF WORK TO TRY AND HANDLE THIS. IT IS VERY FRUSTRATING. I BEEN IN TEARS. PLEASE HELP!!!!
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-06-10
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. (NY)

While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Day LATE PAYMENT - XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I requested validation of the debt. The company sent me a screen print of the purported debt from its own computer system. It has not sent me any contract between myself and the alleged original creditor, and it has not provided me with any statement sent to me by the creditor. I do not owe this debt, and a screen print from the company is insufficient validation.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smart Money Alliance (IL)

Hello. Our company XXXX XXXX XXXX XXXX partnered with a loan company called smart money alliance to fund loans. We we're told if someone goes thru the entire process of the loan, we will have to pay a origination fee of {$1200.00}. They informed us that either we pay it or charge the customer for the fee. One of our clients we submitted however the client never went thru the process and refused the loan. Smart Money Alliance is trying to charge us for the loan that never was completed thus their trying to charge us {$4700.00} in fees for a loan that our client never went thru. They keep sending invoices and we're at a point that we're tired of the harassment. WE DON NOT OWE THIS DEBT
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

Explanation of Amount Due Principal {$1600.00} Interest {$330.00} Escrow ( Taxes and Insurance ) {$2000.00} Regular Monthly Payment {$3900.00} Fees & Charges Assessed* {$11.00} Past Due Amount** {$52000.00} Total Amount Due*** $ XXXX This is incorrect I want to get this resolve on my monthy statement to send the payment
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JH Portfolio Debt Equities, LLC (NY)

The Law Office XXXX XXXX XXXX XXXX " XXXX '' XXXX has been retained by XXXX XXXX XXXX XXXX " XXXX '' ) to assist him in a short sale of his property located at XXXX XXXX XXXX. XXXX XXXX granted a 2nd mortgage loan to XXXX on XXXX/XXXX/XXXX which loan was then taken over by FDIC and assigned to XXXX Bank in XXXX. XXXX Bank in turn assigned the loan for servicing to XXXX XXXX in XXXX. XXXX XXXX went out of business and Credit Control LLC took over their accounts. As per XXXX XXXX, a manager at Credit Control LLC, their records show that they have released the mortgage in XXXX but the records do not state who took over the servicing of the loan. Credit Control sent the right to service the loan to an unknown entity. XXXX XXXX has not received any correspondence since XXXX in regard to the servicing of the loan. Credit Control LLC never informed XXXX XXXX that it had taken over for XXXX nor did it inform XXXX XXXX who Credit Control sold/transferred the servicing rights to.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (IL)

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (IL)

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX 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