davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (GA)

I, XXXX XXXX, was in the process of being approved for a short sale with my servicer XXXX XXXX XXXX , XXXX ( XXXX ). 

I was aware that I may have some negotiable contractual issues with the current interested buyer ; however, I was unaware that the Short Sale was denied and or closed. As, my servicer ( XXXX ) did not send any written notice via mail or electronic notices through their on-line portal which is directed to my email. Wherefore, I was unaware that the Short Sale was denied and/or closed. 

On or around XX/XX/2019 I began to receive postcards stating that my home was in foreclosure and would be sold at public auction on XX/XX/2019. 

To date, ( XX/XX/2019 ) I have not received proper notice from the servicer ( XXXX ) stating that my short sale was denied and that my loans was directed to the default department. Nor have I received any written communication to date from the advertising law firm ( Aldridge and Pite, LLP ). 

From my basic understanding of Georgia Foreclosure Laws, Aldridge and Pite, LLP are violating state ( Georgia ) and federal laws ;  including but not limited to the Fair Debt Collection Practices Act. 

Aldridge and Pite, LLP has failed to give notice that they are in fact the debt collector assigned to my mortgage. Aldridge and Pite, LLP has failed to give me notice of the current holder and owner of my mortgage and the amount of debt they are collecting nor was I given the proper time frames per law to question the validity of the debt they are collecting. 

I have checked the Georgia State Public Notices website and it appears that Aldrdige and Pite began to advertise the sale on or around XX/XX/2019. Per state law in order for a sale to be valid it must run 4 full weeks/30 consecutive before the sale date. 

To date, I am not sure if XXXX has denied my Short Sale request and sent my loan to Aldridge and Pite, LLP or if Aldridge and Pite, LLP are working without the direct consent of SPS.

I have sent proper notice to Aldrige and Pite, LLP however, to the best of my knowledge they are still advertising the sale and have not removed my home from the XX/XX/2019 sale date foreclosure list. 

Which is why I am composing this complaint because XXXX as well as Aldridge and Pite, LLP have violated several state, federal and consumer protections laws. 

Cordially, XXXX XXXX
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. (TX)

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 the 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
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: CITIBANK, N.A. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MACYS/DSNB XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Consumer complaint received 2021-11-13
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: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with COMENITYBANK/VICTORIA XXXX Balance {$920.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and Equifax Bureaus Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$140.00} ; 2. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$120.00} ; 3. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$810.00} ; 4. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$1100.00} ; 5. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$75.00} ;
Consumer complaint received 2022-05-19
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)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge Off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$8900.00} XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7700.00}
Consumer complaint received 2022-05-19
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 received a copy of my credit report and I have found the account listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX Balance : {$4200.00}
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Consumer complaint received 2021-11-13
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: SLM CORPORATION (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with SALLIE MAE BANK INC XXXX Balance {$23000.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PA)

I bought Vanilla Gift card from XXXX XXXX XXXX on XX/XX/2021 and loaded it with {$500.00}. 
I used the card on XX/XX/2021 at XXXX XXXX for {$25.00} Today on XX/XX/2021 I checked the balance on the Vanilla Gift card and it has only {$1.00} left. Remaining money is removed from the account through fraudulent transactions. 

There are 94 transactions of {$5.00} each on XX/XX/2021 from XXXX to XXXX i.e. within 1 minute using XXXX XXXX. There are 2 pending transaction of {$1.00} each on XX/XX/2021 and XX/XX/2021 using XXXX XXXX XXXX 

Please ensure i get my money returned back at the earliest.
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: DISCOVER BANK (FL)

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for Discover Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I made a puchase with Lowe 's on XX/XX/XXXX in the original amount of {$1400.00} on an 18-month, 0 % interest promotion. My credit card is set to have all payments allocated to promotional balances, first. Steadily, since that purchase, every payment I've made has been well in excess of {$200.00}, and lately, closer to {$350.00}. {$140.00} of my payment ( approximately ) is first paid to a fixed payment purchase I made earlier in the year. The rest of my payments should go to the promotional balances. On XX/XX/XXXX, this promotion balance ended and I was charged over {$700.00} in interest. When I contacted Lowes on  XX/XX/XXXX, they stated I still had a balance owed on that promotion of {$1100.00}. I requested a review of how each payment I had made since the promotional purchase was applied to my balance. The chat representative said that he could give me the payment allocation over chat, but would not be able to send them to be in the mail or e-mail claiming " security reasons '' for why he couldn't send it via either of those methods.
Consumer complaint received 2017-07-04
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. (FL)

I have requested the below-listed problems be fixed several times. The  Cre  dit agencies and letters and telephone calls in vein to the Company reporting  the trademarks in error. Every trademark being reported has errors listed, The most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively.  See Attched documents : There are four more Trademarks with issues listed on each Credit repor t.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 :  Letter, Payment etc. Bach-up documents for my claim
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: Colony Brands, Inc. (LA)

In accordnce with the fair Credit Reporting Act, Ashro Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AFNI INC. (TX)

Date of loss : XXXX/XXXX/XXXX Total Damages : {$3200.00} On XXXX XXXX XXXX I was driving on a freeway name XXXX XXXX or XXXX East bound I aproached the intersection of XXXX and XXXX and stoped at a red light. I was in the second line wich was a either or opcion to continue straight or make a legal right hand turn. So when I had a green light to continue I began to make a right hand turn, as I was turning I saw a car go by me but by the time I stopped I felt that the car had swiped the right hand side of the service vehicle that I was driving. It was a individual that was not suppose to continue straight, because that was a right hand turn XXXX XXXX. When police arrived no parties were cited due to the lack of witnesses, the person that caused the accident is a customer of XXXX XXXX. This is the second time that they are making an illegal attempt to collect the amount shown above. There is no judgement from any court that make this legal of makes me liable for the damages. This company XXXX XXXX Department located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone ( XXXX XXXX XXXX Fax XXXX XXXX XXXX They are making treats of having my license suspended and garnishing from my bank account. I made contact with them and explained the details of the accident in wich I was involved and they refuse to acknowledge the fact that XXXX XXXX XXXX was the person who caused the accident.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX. My credit score drop with Trans Union XXXX points and it dropped with XXXX XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But XXXX and Trans Union allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes anxiety. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is inaccurate.

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.
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: Experian Information Solutions Inc. (GA)

In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, a transaction was made from my checking account for {$100.00} at a XX/XX/year> in XXXX, California. This was NOT me, as I am in Washington  state. I filed a claim of fraud, closed that debit card, and shipped a new one. 

Today, I was mailed a letter that says the claim was denied because according to the investigation, the card used in California  was mine. This is impossible. The card was in my wallet in Washington  state, and there are no duplicates out there. 

The letter states the transaction was made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission. Once again, impossible. 

In addition to this, there are statements on my account clearly showing evidence of me making purchases with my card in XXXX, WA hours before my card information was stolen and used in California. 

Wells Fargo refuses to refund my stolen money, which is absolutely not okay.
Consumer complaint received 2021-11-13
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)

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : XXXX, XXXX, and Transunion. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to XXXX, Transunion, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : XXXX, Transunion, and XXXX. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-13
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. (OH)

I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from XXXX XXXX on my car loan. XXXX XXXX reported my car loan as closed, settled for less than owed and late. I reached out to XXXX XXXX and disputed the issue with all three bureaus. Experian, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with XXXX XXXX. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately XXXX XXXX has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. XXXX XXXX admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from one of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with XXXX XXXX last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, XXXX XXXX did report incorrect info to all three bureaus. Experian confirmed that XXXX XXXX only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. XXXX XXXX has to request from Experian to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved asap.