davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account Number XXXX EQUIFAX, XXXX AND XXXX continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR 60 months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN 7 YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD EQUIFAX, XXXX AND XXXX continues to VIOLATE the Fair Credit Reporting Act
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2018-10-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (FL)

On XX/XX/XXXX XXXX a crime was committed inside my apartment at XXXX XXXX XXXX XXXX XXXX. Through court order for the safety of me and my baby the judge granted that the lease can be broken. I security deposit totally XXXX was given to XXXX on XX/XX/2014. Rent was XXXX enough to cover 2 months rent. XXXX XXXX maintence men enter my apartment while i was at work robbing me for many of my personal belongings. Not only i was physically abused prior i had to experience getting unlawful eviction through XXXX XXXX .. On XX/XX/2014 My babsitter called me at work because she was taking my son to the park stating the locks was changed and she is locked out. I to call locksmith upon getting in the maintence men had tstole all of my electronics computers, personal items, shoes etc.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX {$400000.00}
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been requesting Mortgage Assistance with my lender Bayview who was transferred from XXXX XXXX XXXX. I have done what i can to keep close communication with my lender Bayview, but it seems Bayview is having employment issues going on and cant keep people employed with them. I had my file submitted to them about 3 times now and I had been told when my 3rd Party was calling that they got the docs and no more docs are needed- then they would call back a week later for a update and get complete different answer with who ever answered the call had no experience at all and no clue what they are doing. I have about had it with Bayview and need your assistance getting this file assigned and to stay assigned to one person w/ Bayview and not ever be transferred to one other person again. You will see the notes from XXXX XXXX XXXX that have been doing all that can be done to help this process move forward to get me a resolution with my lender, this is my home and I am very ill and suffer from XXXX and have many major other medical issues going on and i know i dont need a lender that cant hire a staff of people to do the job correctly
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

XXXX XXXX XXXX is a fradulent school that was shut down by the school board. 

I had attended XXXX XXXX in XXXX for about 2 months. They told me and my dad i did not qualify for complete financing and that we had to get a PRIVATE loan together through XXXX XXXX and that we would have to pay the full tuition upfront and if i ever wanted to come back i could if i needed to take time off. So i had gotten a new job around the time i started school and it became to much for me to juggle. I stayed with the job and im still with the same company to this day. XXXX i had tried to go back to school but they requested another XXXX XXXX private loan pulled out for me to go back to class. in which i already payed XXXX for 2 months. Me and my dad had contacted the school multiple times after that to have whatever was left of the money we paid to be returned to XXXX XXXX. Ignored our calls and never got a response. They had now shut down the school for fraud and i am here years later still owing XXXX JUST IN PRIVATE and XXXX in Federal aid for fraudulent schooling who stole money. Ive tried everything to get some help about this situation and i cant catch a break. I have been paying 300+ a month for the last 6-7 years and XXXX XXXX told me i  still have another 22 years before its paid off. 


As far as documentation i have the loan papers from XXXX  XXXX  and getting a hold of anything XXXX XXXX to get my actual school documents is going to be impossible. Any other information needed please let us know so we can try and get this taken care of.
Consumer complaint received 2018-09-15
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. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I was a recipient on a XXXX money transfer from XXXX XXXX Denver/XXXX to me Maryland/ XXXX XXXX through Truist bank. 
On sender side said transfer completed and money was withdrawn from company account and on my end said money received but money isnt posted/deposited to my account for 3 days. After I called truist bank hotline and explain next day status changed to failed but money still not refunded to the sender.
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I was on XXXX and this guy said he would pay me money to be his sugar baby well he was given my email and phone number and XXXX acct, but he gave me his after when I said I'd send it when I got to my I'd, and I haven't sent it but I did pay XXXX dollars to bitcoins on XXXX and XXXX to try to recieve the 2000 he was paying my XXXX, and now he's trying to get me to pay more and I can't get mine back he gave me his phone number XXXX XXXX XXXX XXXX and XXXX for XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

REGIONS BANK ALLOWED A COMPANY CALLED XXXX TO TAKE MONEY OUT OF MY ACCOUNT IN SOMEONE ELSE 'S NAME THE NAME XXXX XXXX THERE IS NOT A XXXX XXXX ON MY ACCOUNT XXXX TOOK OUT {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$150.00} 0N XX/XX/XXXX, {$140.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX {$120.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$100.00} ON XX/XX/XXXX, {$99.00} ON XX/XX/XXXX, {$92.00} ON XX/XX/XXXX {$86.00} ON XX/XX/XXXX. AND ANOTHER & XXXX
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I received a letter from Berlin-Wheeler Inc on or about XX/XX/18 that I owed a debt for {$390.00} for XXXX, but I have never had an account with XXXX. I then sent Berlin-Wheeler a certified debt validation letter that was received on XX/XX/18. They sent back copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to Berlin-Wheeler that was received on XX/XX/18, letting them know of the violation and asking them to remove the inaccurate information from my credit file, but the debt has not been removed nor has Berlin-Wheeler responded as of today ( XX/XX/18, which well pass 30-days ) I am requesting to have this inaccuracy removed from my credit report immediately.
Consumer complaint received 2017-06-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC (TN)

Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.
Consumer complaint received 2022-07-11
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, US DEPT ED account XXXX, XXXX account number XXXX XXXX have all 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 an account without my written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-12
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. (VA)

In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

XXXX ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (AZ)

On XX/XX/18 I found out I owe Nationwide Recovery Systems {$900.00}. I called them XXXX, the number reported on my credit report, I spoke to an agent to settle the debt. I settled for {$540.00} and asked for a letter sent saying the debt was settled. The agent stated yes but only sent me a receipt. I called back spoke to the agent again and he said he cant send me the letter until 30 days. I said I wish to speak to a supervisor but he placed me hold brought on a supervisor who sounded a lot like the original rep. The supervisor said I have to wait the 30 days but if I want it now I have pay the full amount. I explain that was never explained to me, I explain I need that letter but he said pay the full amount and if I keep up this attitude then they wont settle my debt. I stated im going to report them to the CFPB and they said maybe they can do it in 10 days but to call them at XXXX and ask for XXXX XXXX. also he refuse to escalate my issue
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Transunion should totally removed the XXXX XXXX XXXX XXXX derogatory reports instead of closing them and leave them till certain dates. Although, you have done your investigation and they should be deleted because the medical billing were not mine. XXXX XXXX, XXXX and XXXX XXXX XXXX are fraudulent companies and needs to be investigated further and their companies shut down. 

XXXXXXXX XXXX XXXX is a billing company and not Medical Center as mentioned by the XXXX XXXX XXXX XXXX XXXX 

I do not attend XXXXXXXX XXXX XXXX and owe no bills to them or anyone. 

XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2018-10-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (OK)

XX/XX/2018 I was contacted in reference to this debt. I was told that the account was transferred to them on XX/XX/2018. 

We filed bankruptcy on XX/XX/2018. We had went to the Federal Bankruptcy Court XX/XX/2018. We received notification that the case was DISCHARGEd at the end of XX/XX/2018. The Federal Student loans that company was referring was in the Bankruptcy, the name that the account was under was also added to the file.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My personal data was unlawfully sold and acquired due to my unfortunate victimization in the XXXX data breach. I urgently request the immediate removal of these unauthorized entries from my credit reports. Attached herewith is evidence confirming XXXX 's acknowledgment of my status as a victim in this breach, yet no corrective action has been taken.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$460.00}.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

I have been enrolled in Experian 's TripleAlert credit monitoring for a number of years. On XX/XX/18 I received an e-mail from them telling me they were " upgrading '' me to a more expensive service ( $ XXXX/mo vs. {$4.00} ) which I never asked for, so I decided to cancel. There is no means of doing so online nor does the website give a mailing address -- only a telephone number and an e-mail address. On XX/XX/18 I called the telephone number which connected me to an automated system ; it asked me for various personal identification data ( which, oddly, did not include my account number ) and then told me they had no account on file matching that information and then disconnected. There was no provision for speaking to a human operator. I made numerous retries over the next several days, both to this number and to several other Experian numbers which I looked up ; all led to the same automated system with the same result. 

Meanwhile, I sent e-mail messages on XX/XX/18 and XX/XX/18 to the address given in Experian 's FAQ. I have not received a reply to either. I am effectively left with no means of canceling.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Equifax should demand itemize billing documentation of medical bills that I attended XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXXXXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX