davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (MA)

For two years I have submitting docs to Phh mortgage to obtain modification. They just kept asking for more docs. On XX/XX/XXXX I received denial of modification because they refused to use a portion of my income and r refused to offer an opportunity to appeal. Also the desktop appraisals they keep using are highly inaccurate. I see no real report just a value that is more than {>= $1,000,000} over value I need to stop this foreclosure.
Consumer complaint received 2016-05-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

I recently lost my debit card and got my replacement on Friday ; then I activated the card on Friday. Then Sunday before I had a chance to update recurring charges with my new debit card number, XXXX emails saying thank you for the payment and showed my new debit card number. I never gave XXXX my new account number Wells Fargo released my number without my authorization.
Consumer complaint received 2023-06-13
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. (MD)

I recently ordered my credit report and to my surprise there were unknown, names, addresses, phone numbers and charges on my credit report. This is a form of identity theft. Ive reached out to all three bureaus but no changes have been made.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (IL)

Company Closed my account and hasn't dispersed the funds left in the account I have waited over a month to receive the check they apparently sent but have refused to provide a tracking number for and have given me 3 different answers as to when it should arrive stating 14 days to next week to it arrived on the XXXX with no proof of delivery I have spoken with everyone in the household and no one has seen a check from them
Consumer complaint received 2018-09-13
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. (CA)

There are 6 inquiries listed on my transunion and XXXX report that I DID NOT authorize. I called transunion and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

Collection company isnt license to collect debt in North Carolina. 
Their license expired as of XX/XX/XXXX and they recently started trying to collect in XXXX. I knew something was wrong when they rarely answered their phones. I got through a few times but after calling tons of times only to find that they arent license to collect. Attached photo of proof. 

Company : XXXX XXXX : Amount {$830.00} added to credit file account XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-01
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. (VA)

TransUnion, XXXX, & XXXX have misused my credit report by violating these codes 15 U.S.C ss 1681b exclusions ( 2 ) exclusions ( A ) subject 1681s-3 of this title 15 U.S.C ss 1681m- in relation of said requirement on users of reports
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2019-04-24
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. (CA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I had student loans with Sallie Mae since XX/XX/1998 which I kept deferring or forebearance. 
In XX/XX/XXXX I got harassing calls from XXXX XXXX XXXX   that I was in default. I agreed to make income based payment arrangement but for some reason they added {$22000.00} in late fees. My student loan was {$42000.00} but with the ridiculous fees added they said my loan was now {$64000.00}. I did not agree to those illegal fees so I did not agree to their repayment plan unless they remove those fraudulent fees. Next thing I know, I got letter about garnishment.i submitted my docs that I support 5 people and struggling but it did not matter. They filed for garnishment in a court in Missouri i believe and they have been garnishing my wages since XX/XX/XXXX. 
I need help. They also take my tax returns each year. I will agree to repayment plan on correct loan amount once garnishment is removed. {$22000.00} in late fees. That is simply absurd and criminal. 
Please can you help me fight them. 

Thank you
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I keep receiving bills from the Portfolio Recovery Associates, LLC about credit that was offered to me in the XXXX XXXX of XXXX, XXXX, New Jersey the medical services and dental services I informed that the charges was not submitted to Health Insurance providers which are XXXX XXXX and XXXX and States of New York Medicaid and that this company brought the debt from the bank with my medical history and did not ensure that Medical providers had mad they payment for the treatment I made services request for the to submit this to Health Insurance they informed the do not do that they only responsible is collect the debt with proper insuring that the agency have process the treat in the company billing system is this legal for XXXX XXXX and XXXX XXXX to sell my medical treatment services date and what I was treated for with proper submitting to Health Insurance and is it legal for banks to sell you credit information to collection agency the information share was medical and should have been protect by Privacy Act and XXXX XXXX should also been protect by Federal Regulations Laws for Privacy and sharing of Banking products and customer information is this legal and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations.
Consumer complaint received 2020-04-23
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. (PA)

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s )  versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Consumer complaint received 2021-09-02
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. (MN)

The following XXXX  XXXX XXXX MasterCard Credit Card Account : XXXX listed on my Equifax and XXXX credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX MasterCard Account.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am unaware that my courthouse has the ability or manpower to call each bureau and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the actual third party that provided you with the details for the following : Bankruptcy XXXX XXXXdismissed Filed on XX/XX/2017 Reference number : XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (PA)

My father passed way on XX/XX/19. Shortly after his passing we received an ambiguous letter in the mail from DCM Services , LLC to his " estate manager '' requesting information and stating that we had outstanding debts that needed to be collected. No amount was given in the letter and as I have been the one handling the medical bills from my dads XXXX treatment, I know that there is nothing that is past due. My dad was on Medicare and the insurance paid for nearly every part of his treatment, and the few thousand dollars that we did owe for various out of pocket costs have all been paid. To date we have received two of these ambiguous debt collection letters and one phone call from DCM Services , LLC has been made to my mother. My mother is XXXX years old, suffers from various mental issues, does not know how to use the internet to investigate these scams, and just lost her husband. A quick search online helped me to conclude that this company goes after people who have lost loved ones and tried to unjustly collect debts. DCM has been sued multiple times with class action lawsuits. It is sickening that this company would prey on older individuals who have just gone trough one of the most difficult times of their life. Today I, the daughter, contacted DCM Services , LLC   via phone and attempted to get them to take my mothers number off of their calling list. After speaking to two different gentlemen, I was thanked for calling and hung up on. So far I know that this issue is likely not considered harassment, but I worry that it will go in that direction and I am trying to put a stop to it now. I have been handling everything for my parents for the last year while my father was sick, and now that he has passed and I am continuing to handle their bills, finances, paperwork, etc. I know for a fact that we have nothing outstanding, my parents had the means to pay any bills that we received, so there is no reason that anything would have been left unpaid. We have a balance of {$250.00} on his hospital bill and that will be paid in May and that is all that is left to pay. And I imagine if they are doing this to us, people who have no actual debt to collect, they are absolutely harassing others that have unpaid bills much more. All I want out of this is for them to stop calling my mother. I don't care about getting paperwork in the mail, but I can not have these people harassing her needlessly in her fragile state. I have instructed her not to communicate with them if they call again and not to give them any information over the phone at all, but that doesn't mean that they will not continue to call her daily.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-13
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. (CA)

for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because Experian and XXXX  are denying me a dispute claiming I already disputed and no longer have rights to a dispute. Experian never responded to my complain so I attempted a new one and now I am being denied. 

Also, XXXX is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX deposited a two party check to me XXXX XXXX XXXX and her XXXX XXXX XXXX from XXXX Mortgage for the amount of {$2700.00} into her Bank of America account ( account number not known ). It is not a joint account and the funds were supposed to sent to me XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX but instead she called and them send it to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX which is a XXXX store. She then in return once I called XXXX and had them reissue the check, deposited it that same day and will not respond to me at all. I have filed a complaint to XXXX as I was the primary borrower, and BOA as I didn't have a joint account or sign the check, local police will not do anything. I fault her most of all, but Bank of America should not have taken the check for deposit as it is a 2 party check. XXXX should not have mailed a check to a non residential PO Box and meanwhile I am out of my money because of these mistakes.
Consumer complaint received 2018-09-13
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: Performant Financial Corporation (NJ)

on XXXX a company by the of XXXX XXXX XXXX . opened an account in my name. I found out by checking my credit report. I have no knowledge of an account and why they would do this. I know i own XXXX XXXX dollars but that do not give them the right to open an account in my name. Which now has affecting my credit score. The company is located in XXXX   Fl. Please tell me what I need to do
Consumer complaint received 2018-09-13
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: EQUIFAX, INC. (CA)

for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because XXXX and Equifax are denying me a dispute claiming I already disputed and no longer have rights to a dispute. XXXX never responded to my complain so I attempted a new one and now I am being denied. 

Also, Equifax is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.
Consumer complaint received 2023-02-01
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-01
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. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX