davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

On XX/XX/2019, I started an online application with AmeriSave Mortage Corporation for mortgage refinancing with Mr. XXXX XXXX, Loan Originator NMLS ID # XXXX, AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX. Mr. XXXX informed me AmeriSave had the lowest rates in the market then shortly sent me a Loan Estimate. He also said I should start my AmeriSave account first which I began signing documents which he rushed me to do before I could even look at them. He also said in order to lock in the rate he would need a credit card payment. I provided the number for the payment. I told him that I wanted to read all my documents first before doing anything final. I received what he stated was a generic application and not to worry just continue signing the docs on the yellow tabs. After completing the signing, I sent a few documents but never got to the appraiser process before canceling my application the next day by email due to a circumstance. I did not know there was a nonrefundable application fee because he never gave me a chance to read any documents beforehand only rushed me to sign them. In addition, Mr. XXXX also sent me some new disclosure forms to sign I took a look at them and found a numerical error in the figures. This was confirmation to cancel my application further. Please see the email conversation requesting a cancelation and why. I also explained to him he did not have the right to a full payment there was no other cost incurred. He was getting too personal with the situation. Thank you
Consumer complaint received 2022-05-06
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. (DE)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION (TX)

30 day Late Payment for XX/XX/2020. 

Regions Financial Corporation / Car Loan Due to Covid. During the beginning of the pandemic I was working seven days a week & all hours of the day due to being an essential worker.

I have called twice and sent two letters ( one to the EVP of Customer Relations and one to the Credit Monitoring Dept ) explaining the reason for my late payment. All four times I am told that this is correct and they will not do a " goodwill removal ''.

This is the only late payment that I have had in almost three years. My account is current.
Consumer complaint received 2019-07-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (MN)

I received a {$950.00} loan about XX/XX/19. I made one payment of {$260.00}, then I found I am being forced into retirement due to needing XXXXXXXX  XXXX XXXX. I was then going through all debts owed and found the interest rate of 742 %. I know they are illegal in the State of Minnesota. I contacted them and informed them I was willing to pay the principal balance of {$680.00} over 2-3 months on the day I receive my social security payments. I also told them they were illegal in Minnesota. The reply was they are a tribal lender and their rules apply, not the laws of the state I live in. I do plan on paying the principal balance but can not afford their ridiculous interest rate. They have ignored my requests since, threatened with a 3rd party collector, etc.
Consumer complaint received 2019-07-04
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: SYNCHRONY FINANCIAL (IL)

I first noticed a credit card on my credit report when I started to get negative remarks added to my credit report by the bank this credit card is with. The bank name is Synchrony XXXX. This account has made my credit drop over 100 points. When I call the only number I have for Synchrony XXXX   which is provided on my credit report it will NOT let me talk to anyone unless I have a credit card number or account number, how am I supposed to have a account number when I did not open this account. I finally hired a credit report dispute law firm. This firm sent a dispute letter to this company. When I noticed on my credit report that this Synchrony XXXX account is noted being disputed this bank started stacking the negative remarks on my credit every other day. And still not word from Synchrony XXXX. On my credit report there are now remarks saying this creditor is following a credit reporting guide lines. How? I have never applied or have had a account with them. Obviously this account is fraudulent or put on my account in error but they dont seem to care. Instead they see I am disputing it they start hitting my credit report with as much negative remarks as they can without even reaching out to me. I've found it impossible to reach them without any account info.
Consumer complaint received 2019-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019 I send {$200.00} dollars through Zelle to XXXX a Zelle customer unfortunately I was a victim of fraud as I never received the tickets for the event I was promised I called my bank to report the fraud but XXXX XXXX   told me there was no Fraud that could be reported due to quick pay with Zelle policy 's devastating
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I was made aware equifax hasplaced an extended fraud alert on my credit file for a second time without my knowledge or consent. I made a written request to have all fraud alerts removed from my credit file and included the documents in the attached file to show proof of identity ( passport, state issued Mass commission for the XXXX ID and cable bill with addresses clearly visible. The response from them is also included in the file I submitted. Asking for the exact items I submitted several times prior
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NM)

XX/XX/2019 on this day when i wen to purchase i teams from the store for my son my account got permanently suspended. I received my direct deposit on XX/XX/2019. When contacting bank they told me they couldnt reopen my account. The only reason I can think is when my account got hacked an I disputed it twice and stoped my direct deposit. I have a XXXX year old son an rent that needs to be paid. My bank witch is bluebird ( Amex ) told me they have to send me a check of whats in my account.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Meridian Financial Services, Inc. (MA)

On XX/XX/2019 on my experian report, Meridian Financial Services reported two items placed for collections for {$3300.00} and {$1100.00} both of which are inaccurate. I have had no contact or communications with XXXX XXXX XXXX ( the original creditor ) dating back well over seven years from XX/XX/2019. To report delinquent information beyound the 7 year mark is beyond the statue of credit reporting. The information has negatively impacted my credit and is inaccurate and should not have been reported in XXXX. Additionally, statue of limitations is six years in MA. I would like to get this resolved and removed from my credit as being current.
Consumer complaint received 2022-05-06
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. (DE)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION (PA)

I called on XX/XX/19 to bb and t and aske them if i was ok to open an account due to a fradulent bank account being open i was unable to do it. Today i was cleared to open the bank account earlier in the morning but upon arrival this afternoon at the branch the story changed saying that there was no paper work sent the manager in charge of my investigation she never answers the phone and ive been dealing with this issue for more than a year.
Consumer complaint received 2022-05-06
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. (DE)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-04-19
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. (GA)

Im a victim of identity theft! I sent in a police to XXXX  and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

MIDLAND FUNDING LLC HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO XXXX OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
Consumer complaint received 2022-05-06
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I have a complaint against LexisNexis. I had a bankruptcy appearing on my credit report I disputed this with LexisNexis. They concluded their investigation and stated that they removed Chapter XXXX bankruptcy that didn't belong to me and they sent me a confirmation letter that it's been removed my record with them. I submitted that notice to all 3 bureaus and XXXX  and XXXX  honored it and removed the account. XXXX refuses to remove the Chapter XXXX bankruptcy from my credit file as they're saying that LexisNexis is confirming that the Chapter XXXX Bankruptcy is reporting accurately. Please find my attachments as proof that the bankruptcy shouldn't be reporting on my credit profile.
Consumer complaint received 2018-02-24
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. (MO)

I have filed the XXXX with all 3 agencies, XXXX XXXX and XXXX won't show any credit report, and experian wants me to pay {$4.00} a month to get credit reports from all 3, and will not show my FCIO score from them individually. Only Experian showed my inquiries. XXXX and XXXX out right denied any information.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.
Consumer complaint received 2019-07-04
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. (CA)

XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.
Consumer complaint received 2019-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My mortgage was purchased from MBFinancial by Fifth Third Bank starting XX/XX/2019. Since the merger, Fifth third Financial help submitted multiple automatic payments from my checking account resulting in over {$500.00} of overdraft fees. I tried to negotiate and fix in XX/XX/XXXX but on XX/XX/XXXX/XX/XX/XXXX it happened again. The website is always down and the issue is unfathomable? 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (GA)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate : XXXX XXXX Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (GA)

It has recently come to my attention that Fraud has been created under Title 12 United States Code 73 " Oath '' and that the alleged creditor has hypothecated for a loan. It has been found as a discovery for studying and applying laws that they know to be true, correct, and unrebutted by affidavits sent. CONDUENT EDUCATION SERVICES, XXXX under Title 28 Section 3002 ( 15 ) ( A ) e is a United States Corporation constructed in ALL CAPITAL Letters for which they are conducting business with an Ens Legis Artificial Person. The true Definition of a " Person '' is a Corporation. I am not an Infant as define by Internal Revenue Service Code 21.7.13.3.2.2 ( 2 ). If the matter is not resolved, under Title 12 United States Codes 83, and 582 I will conduct a lawsuit if they stay in dishonor. " Indeed, no more than ( affidavits ) is necessary to make the prima facie case. '' United States v. XXXX, XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ; XXXX XXXX XX/XX/XXXX. Supreme Case Law and the affidavits stand as truth, The Affidavit was sent onXX/XX/2019via certified mail no. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and received XX/XX/2019. The Default Judgment received via certified mail no. XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. See Attachments :
Consumer complaint received 2019-07-05
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX XXXX ; XXXX   XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2020-02-10
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)

Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my XXXX  I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for equifax I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.