davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (FL)

I never received any notice of debt attempting to be collected from GLA Collection Company. After noticing not one, but TWO derogatory marks on my credit report from them : account # XXXX for {$3300.00} and {$1000.00}. I initiated communication with them to get a better understanding of where this debt is coming from. I have not paid any hospital a visit in the last 5 years. I contacted the supposed original creditor XXXX and asked for further understanding on how my information has been obtained, why it has been disclosed to a third party, and when was I going to be informed. XXXX confirmed to me they actually do not have any of my information on record, and could not have shared any information with this collection agency due to that being a violation of HIPAA. I contacted GLA Collection Company in XX/XX/XXXX to request a validation of these debts and all i received was a bill summary ( It can not even be classified as an itemized bill ; itemized bills list each item/charge ), which i have attached. This document did not include any context of the charges or any breakdown of each supposed charge, and as requested, any and all itemized bill should have a full detailed breakdown for what is being collected on. Upon receiving their response, I noticed on my report the debts are now dated for XX/XX/XXXX but in the bill summary provided by them, the date is XX/XX/XXXX. This is illegal according to the FCRA and reporting as a recent debt, which is another valid reason for removal. I again attempted to reach out to this company with no current response, as it will approach the 30 day mark on XX/XX/XXXX. I have attached my 2nd attempt to validate this debt as well. This company states they are collecting on behalf of an original creditor and I'd like more confirmation on how that is possible if : a ) the original creditor verified no debt was sold to this company because they have no record of me at their facility. b ) YOU as the collector can not even verify, validate, or confirm any information on these debts besides a total amount. I strongly feel there have been many violations of my rights under the FCRA and request these to be immediately removed. It's not logical ( nor ethical ) to expect money to be paid, but as a company you can not communicate or validate any requested information.
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM

IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please del
ete the items as soon as possible.
Consumer complaint received 2023-08-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AGS Financial, Inc (NC)

AGS Financial Inc XXXX XXXX XXXX XXXX XXXX  NC XXXX This company has used and sold my personal information for about 10 years. 
This company has put a XXXX debt on my credit report. It has been sold to a company 's different agencies every month. Harrasing phone calls daily have been calling and adding this debt to my credit report. 

This has been disputed with all three credit bureaus for 10 years, and nothing has been deleted. Also, I've never seen any signed agreement with my signature. Credit Bureaus have told me several times that it was deleted, but the debt is still on my credit report, along with phone calls daily. 

This has caused a great deal of pain and unwanted financial stress. 
They are abusing their credit power and causing me consumer stress.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I sent a letter with account information that is incorrect and asked that it be deleted. Sent back been verified, also sent a second letter asking to show how it was verified, response was validated. False statement my account are froze and I received no call or nothing asking to verify. Sec 609 and many more putting false info on my credit report.
Consumer complaint received 2015-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

XXXX is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (MN)

Credit Collections Services continue to contact me via phone and mail for a debt that I do n't owe. The debt is a fraudulent debt. I sent Credit Collections Services a police report and a letter informing them the debt is fraudulent and do n't belong to me and I am a victim of identity theft.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I sent letters out to the credit bureaus XXXX Experian and XXXX XXXX on XX/XX/2022 letting them know that the courts have not verified this alleged bankruptcy needs to be removed immediately, this is damaging my credit profile. I received a letter from my local courthouse stating that this information is not and was not verified. I will attach this letter.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: P&B Capital Group, LLC (AL)

On or around XXXX XXXX I sent a debt validation letter to Ameriassist XXXX XXXX requesting validation of the account they were suing me for. The client was XXXX XXXX. for the amount of {$1700.00} and they were given 30 days to do so. They removed this account from my credit report on or around XXXX XXXX XXXX XXXX. But around XXXX XXXX a company who I have never received a letter or phone call added this same account back to my credit report ( XXXX ) causing my score to drop XXXX points. I would like this removed immediately!
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SUNTRUST BANKS, INC. (TX)

I sent in a cashiers check over a week ago and it's been confirmed received and they still havent updates my account and still charging me daily interest. This is causing financial harm and totally illegal. I need them to credit my cashiers check to reflect payment in full and manually updated the 3 credit reporting agencies to show the account is XXXX balance and paid off.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

Breach of Contract 1. I was approved for a HAMP Tier 1 Home Loan Modification back in XXXX XXXX, I followed all instructions as given to me. I signed and returned via fax the modification agreement that was supposed to be finalized. Ocwen did not fulfill their obligation under this agreement and I was rejected from the program due to no fault of my own. 
2. Ocwen alleges that they sent notification to me via certified mail but I did not receive the correspondence. The letter was notification that they needed proof that my home address was in fact my primary residence. 
3. I received a copy of this letter from Ocwen only in response to my initial " letter of complaint '' to the Georgia Office of the Attorney General 's office back in XXXX XXXX. The letter did have a United States Postal Service tracking number as reference of their attempt to deliver said notice. 
4. I tried to use the tracking number to see what results I would get and due to the lapse in time my results were limited. I contacted my local Post Office that would have made the attempt to deliver this notice and discovered some shocking results. 
5. Ocwen sent the letter from themselves to themselves therefore never being delivered to me. I have enclosed a copy of the letter as well as the tracking results I received from my local post office. This action by Ocwen is what has caused me to be rejected from the HAMP Tier 1 Home Loan Modification Program not any actions by me. Now Ocwen is once again attempting to foreclose on my property and the sale date is scheduled for XXXX XXXX, XXXX.
Consumer complaint received 2019-11-21
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-09
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. (WA)

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a balancXXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ XXXX paid this account off this account but 's still showing that i owe a balance, XXXX XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT BELONG TO ME.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (SC)

Late XX/XX/2022 or very early XX/XX/2022, I contacted Credit Karma to help me get into my online account of which I have a small savings account as well. Unfortunately Someone hacked into my email and gained access to usernames and passwords to several businesses as well as credit karma. I tried to get XXXX XXXX to help me with my phone, but was only told that there was nothing wrong with my phone. Since I could get no help, I did a factory reset on my phone. XXXX now says that my ID and phone number do not exist. Which makes things very difficult because everyone wants you to use your original phone number to get into your accounts. No exceptions. 
After contacting credit karma, I received an email back from them asking for proof of which I submitted photos of my drivers license as well as social security card. This was evidently enough to prove to them that I was telling the truth. So, I received other emails which led to them sending email to reset my password. Unfortunately, it was going to send that reset to my dead phone number. I tried over and over to explain to member support at credit karma and even sent pictures of my ftc fraud and identity theft report as well as the XXXX report. I didnt hear anything more from them All I want to do is to have access to my small savings account there. I am going to close it if I ever get access to MY money because its impossible to get in touch with this company.
Consumer complaint received 2022-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I submitted an employer certification form for the PSLF program back in XXXX and I still haven't heard whether or not the employer I have worked for since XXXX is qualified. They are in the system as approved and this is unacceptable that this is taking so long.
Consumer complaint received 2022-04-09
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. (WA)

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a XXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ i paid this account off this account but 's still showing that i owe a balance, XXXX  XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (AZ)

I submitted a cease and desist letter to stop communication via phone and only have communication in writing on XX/XX/2023 yet I still keep getting two three calls a day from them and they are using different numbers. The company in question is FBCS.
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

On XX/XX/2021 AmeriSave took, a home loan refinance application from me, and {$500.00} over the phone. I was instructed, to verify documents & submit information on their portal. I noticed, the Pension amount I shared during the phone application was inaccurate and underreported by approximately $ XXXX. By email, and phone message requests I asked the correction be made so the amount is consistent w/ the bank statements and Monthly pension statement I provided via their portal. I did not receive an email response, nor phone call. I will attach the email, along w/ several other ones for which no reply was given to me. Those emails, detail technical and/or other non user friendly and inefficient relative to AmeriSave 's portal. For example, I repeatedly get requests for bank statements which I provided, along w/ permitting their access to my accounts. The challenges, AmeriSave presents to me is quite consistent w/ countless customer complaints on XXXX XXXX Yes, I should've researched the corporation. Moreover, its why I am reporting their problems now. I sincerely, believe by their approach, and the customer responses, I may have been scammed of {$500.00}. Or/and ... maybe, I am concerned, XXXX will include me in their not correcting false information on a mortgage application. During my career, I achieved and served in 3 separate peace officer classifications, so following the law is important to me.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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. (IL)

XXXX XXXX SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT DEMOCRAT COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX BANK. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON
Consumer complaint received 2019-10-15
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. (GA)

Step 1 : What is this complaint about? This complaint is related to a problem with XXXX  and Equifax displaying a public record ( bankruptcy ) inaccurately on my credit report. 

Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA, which is the issuer of data on my XXXXXXXX and Equifax credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies. 

Step 3 : What happened? I then reached out to XXXX   and Equifax disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my Equifax and XXXX credit Report.

Step 4 : What company is this complaint about? The companies I am complaining about or XXXX and Equifax, XXXX XXXX, XXXX, and others. 

Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of XXXX, Equifax, XXXX XXXX, XXXX, and XXXX. 

Please help me. This is terribly effecting my score.
Consumer complaint received 2019-10-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

The company I am receiving a loan from failed to add the closing costs of the transaction to the loan after I specifically requested that they do so. 

On XXXX XXXX, I discussed with my realtor that the closing costs would be difficult for me to cover and that I would like to add it to the loan. He spoke with the loan depot representative and they said it would not be an issue and relayed to me that it would add {$8.00} to my monthly rate, which I was absolutely fine with. 

On XXXX XXXX, however, there was an update appraisal on the house, noting that it was {$10000.00} less than the asking price. The seller agreed to the new price and new documents were made, however Loan Depot failed to add the closing cost we'd discussed on the XXXX to the new loan and failed to inform me and to run down the new rates before the closing signing occurred on XXXX XXXX. 

All documents were signed, in what felt like a very rushed manner and in a way I did not feel I had adequate time to review at XXXX on Friday, and after I left the building with the keys, my realtor called me to inform me that there was an issue, that {$2100.00} that I'd requested to be added to the loan was not added, and I would have to wire come up with this money and pay the closing cost.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (IN)

Collector has reached out to me several times. They call from an internet based number. They do not identify themselves in the voicemails and give no information about being a debt collector. Additionally, their website has a section to settle debts but it is not operating, therefore, forcing you to call them. Also, the letters they sent me, have the account number backwards, making it difficult to login on their website, I had to figure this out on my own. This is for a utility bill that I settled prior to moving and bill says " supplies '' yet I had no supplies delivered.