davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance - XXXXXXXX XXXX XXXXXXXX , ( Original Creditor Name XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXXXXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX  Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (FL)

I mailed my IRS payment check of {$2000.00} from my office which is located at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, FL. XXXX on XX/XX/. The check was cashed on XX/XX/. I didn't realize it wasn't cashed by the IRS until I received a notice from them they hadn't received it. Looking into it at my bank, Regions Bank, the check was stolen and cashed by an individual of XXXX XXXX XXXX. I made a police report with the XXXX of XXXX XXXX XXXX police report with officer XXXX XXXX and the case number is # XXXX. It's been over 90 days now and Regions hasn't refunded my {$2000.00} and have had no written correspondence on this matter. I have called on numerous accounts and keep getting the run around. The person at the bank I made the compliant with is XXXX XXXX ( XXXX ) XXXX. I refuses to give me his manager and any additional person to talk to to get this resolved. I've been more than patient and can't even get a response. I believe there is something fishy going on her and would like to get some help. I have additional accounts with them and I'm nervous about my other funds.
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

Two were sold on XXXX  and the transactions were paid for on PayPal. Item number XXXX was paid on XX/XX/XXXX in the amount of {$140.00}. The second item number is XXXX was paid on XX/XX/XXXX in the amount of {$100.00}. The total amount that was paid to PayPal was {$240.00}. Paypal is refusing to make payment on the items that i sold on XXXX, but was more than happy to accept the shipping fees that I paid them to ship the items sold to the purchasers. 

Trying to rectify this situation ihas been a complete nightmare. Despite numerous attempts, I have NEVER been able to speak with an actual representative, just a computer generated dolt.
Consumer complaint received 2023-03-11
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2020-08-03
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: Credence Resource Management, LLC (IL)

Asked XXXX and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports
Consumer complaint received 2023-03-11
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX sent 33 pages to Wells Fargo at one time to begin with that i filled out which included bank statement, proof of my income and itemized lists of my bills etc and copy of tax return etc.. 

Over time more copies were sent. of other requests from them, Nothing ever happened as far as response from Wells Fargo, i was hoping to get a lower payment which the options were {$500.00} to {$900.00} but after all the paperwork etc i sent them i was not offered anything. 

I talked to XXXX XXXX My Executive Support Specialist assigned to me XXXX and he said he moved up the closure date from XX/XX/2019 to XX/XX/2019 to get everything through to save my losing my house ( XXXX ) start making a reduced payment every single month ( which i will do )
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NH)

On XX/XX/XXXX a " Withdrawal By Check '' for the amount of {$1900.00} was taken from my Checking account, which was the entirety of my account. When I called Navy Federal Credit Union to ask why this had happened, she transferred me to the garnishment line and told me it was due to a garnishment being filed on my account. I currently reside, and have resided in the state of XXXX XXXX Since XX/XX/XXXX. The landlord who is suing me, lives in the State of XXXX  and is suing me in the state of XXXX My attorney, XXXX XXXX XXXX and I called the garnishment line of NFCU to tell them that due to me residing in the state of XXXX  and have been since before the official XXXX  XXXX filing, the garnishment of my bank account is non enforceable and they took the funds from my account when they shouldn't have. NFCU responded that there was nothing they could do, even though they wrote a check to the creditor when they shouldn't have.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Colony Brands, Inc. (MA)

This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX file on XX/XX/2015. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
Consumer complaint received 2018-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$6800.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$5000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Santander who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Consumer complaint received 2021-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dyck-O'Neal, Inc. (MO)

this company kept telling us about the debt. we never knew about that till recently. 
they said they will acting getting money from us wihtout further notice? 
we are XXXX couple..they said they refused to talk to us because we use XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX comunity.. i am thankful for the techlonoly for us to use.. they kept saying '' im not allowing talk to you " i said excuse me.. 
i send them email with the information about relay service.. 
we felt discrimated by them they kept sending us letter and calling us never never left any message on my answering machine??? where is our respects? 
i need respect from them. we recieved letter recently they report on our credit history. they told me that they are not report? 
XXXX supposed to be but they kept telling us we owed them XXXX? 
date is XXXX XXXX they kept threatnin us so much.. where is our respect? i talked with the XXXX VRS manager they said that the company was wrong.. they are against FCC ADA about VRS relaay service ... 
please help us. 
im tired of them kept calling us..they won't tell us wihtout the authroization form for VRS relay service ? it is against the Law because we are XXXX.. we felt discrimated by them. 
im afraid they take money away from us without our permission because we are XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (SC)

There appears to be a collection account from XXXX XXXX XXXX with the original Creditor being XXXX XXXX XXXX in the amount of XXXX. I have no knowledge whatsoever on this collection account, and was never seen by any physician of XXXX XXXX XXXX. When asked to be provided with proof that this debt belongs to me, I was sent a list of services provided, none of which was performed on me. Also, I do not have any kind of contract with XXXX XXXX XXXX, allowing them to collect such debt. I need this collection account removed from all 3 credit reporting agencies immediately!
Consumer complaint received 2018-12-27
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. (TN)

Disputed the inaccurate negative mark on my Experian credit report which Experian did not look at all of my supporting documents showing that the balance was paid in full. I sent in numerous documents that showed tenant total balance is XXXX  and they still reported the account as accurate. I also sent in emails from the Tennessee Housing Development Agency coordinators stating that I do not owe this debt but it was still reported. I need for Experian to look over all of my documents that I had sent to them XX/XX/2018 by U.S. postal service mail. I have disputed with all three major reporting agencies. XXXX  has updated my dispute to reflect this account is closed and is no longer reported through XXXX. I am still waiting for XXXX to complete their investigation at which time if my documents are not correctly investigated, XXXX  will be reported as well. I have several emails from my THDA   Section 8 housing coordinators stating that this debt is fraudulent and I should not pay it because there was no verification of money owed. It also states that if this is reported on my credit that I should pursue criminal charges against the property manager of XXXX XXXX. which I have in pending status Thank you.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX  {$4100.00} on my XXXX, TransUnion, and XXXX My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.
Consumer complaint received 2023-03-11
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00XXXX XXXX XXXX XXXXXXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX XXXX XXXX  : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX  : {$23000.00}
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (FL)

On XX/XX/2020, I received an unsolicited U.S. Bank ReliaCard debit visa card from the Colorado Department of Labor. The paperwork indicated I had applied for unemployment compensation. I have never lived in Colorado, and I have not filed for unemployment compensation in the State of Florida where I live. I am XXXX/retired, and have been for years. I tried contacting the company by the telephone number provided, but they want me to activate the card before talking to someone. I do not want to activate the account.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

I checked my XXXX XXXX account in XXXX when the inquiry was made to open the account and told them it was not me I was told that no account was opened and I caught it on time but XXXX XXXX XXXX still let the account become opened and I'm just finding out in XXXX XXXX that it's open for collection after they told me in XXXX that I was ok and that no account was opened
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing in regards to your response to our complaint ( XXXX ) with  Consumer Financial Protection Bureau ( CFPB ). I refuse your decision on the fraud as I will not be held liable for documentation with forged signatures. Please see attached detailed correspondence.
Consumer complaint received 2023-03-11
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance (MA)

I got a call from a company called STUDENT LOAN FINANCIAL ASSISTANCE. This woman by the name of XXXX XXXX ( a real person ) said she would set up an account where I can pay XXXX for 3 months then XXXX  for the remaining and my loans would be forgiven. It sounded promising. She has my banking info and my social security number. This happened today XX/XX/2020. It happened around XXXX XXXX. I need them to pay for what they are doing to people that are in desperate need of help with student loan debt. I didnt submit anymore information after I thought about everything that happens but she does have my information and I did sign an online document which at the time I didnt think much of.I CALLED her number a zillion times and you can tell its a spam. no answer and weird noises when i tried to call. I called the original number back of them and a man answered and he put me on hold and never came back. I emailed her and she never responded.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

This complaint is about : LoanCare, XXXX XXXX XXXX.XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. 
XXXX XXXX The loan number is XXXX Under the name XXXX XXXX Loancare Credit dispute # XXXX They are refusing to fix errors they have made to my account : On XX/XX/2020 I received a call from Loancare saying my payment was late. After trying to get ahold of Loancare for two and a half days. I finally got through to XXXX # XXXX on XX/XX/2020 at XXXX XXXX. I explained to her it was there error and to get ahold of my credit union who sends the checks out. I gave her their phone number to call. I had been sending the same checks to them for a year without any problems. She refused to call and clear up their error. 

On XX/XX/2020 I sent an email through their site to explain that they had made an error and please clear it up. I again gave my credit unions phone number. I also asked them to stop the daily calls to me. I still receive the daily phone calls. The company refused to call the credit union. I then got ahold of the credit union and they sent me proof of the check and on XX/XX/2020 I sent the information to loancare. On XX/XX/XXXX a late payment of {$26.00} was added to my account. 

Later in XXXX the check in question dated XXXX, XXXX payment, was sent to my home. As I am not living there right now it takes a while before I know what was sent to the house. There was a paper sent with it as to explanation as to why it was sent but there was nothing marked on it. 

Later another check arrived at my home dated XXXX, XXXX payment. This did have a mark on the paper saying they could not identify the check. They had been identifying these check for a year now. Why the problem? I have repeatedly asked where to send these two checks to so they can be applied to my account. They will not answer me. 

On XX/XX/XXXX they sent a letter to my home saying they did not have my insurance information. 

On XX/XX/XXXX I emailed them the insurance information. 

On XX/XX/2020 they informed me that an escrow account was opened in my name and insurance money was taken out of it. 

I never opened an escrow account. 

On XX/XX/2020 I sent an email through their site asking 1. I need to know where to send the two checks too.

2. Have the escrow account removed from my account 3.Have late payments taken off but there has been no response to this email On XX/XX/2020 I received an email thanking me for my check dated XX/XX/2020, XXXX payment. On that sheet was an email address to send complaints to so I sent them another complaint about my account. 

I received an email back saying this site is no longer being monitored. 

I am completely stumped as to how to get my problem with loancare fixed.
Consumer complaint received 2021-07-19
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. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I was an authorized user on 3 XXXX cards. I had called XXXX  and asked to be closed on all authorized users accounts I was on which was on my cousins. But I don't won't wan na be held accountable for the money he owes.

If you guys can kindly close me out of all these 3 XXXX cards it would be greatly appreciated.