davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northeast Recovery Solutions, LLC (AL)

This company is listing 7 accounts on my credit report and I have no knowledge of this company or alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 
Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MA)

Hello, My mortgage company ( loanDepot NMLS # XXXX ) have failed to pay the taxes out of the escrow account that I have been paying into. I have called and talked online with them at least 5 times as well as emailed to their tax department. They claim they've paid the taxes on XXXX ( they were due by XXXX ) by wire and show withdrawal from my account, however the town have not received the payment almost a week later. And they only sent the original amount without interest accrued as a result of missing the deadline. Please help. 

Thank you! 

P.S. Last communication was via online chat with employee XXXX XXXX said the identification is XXXX ).
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me frustrated especially when accessing to a different form of credit I needed for me and my family. I had no choice but to file this complaint.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AR)

For the last 5 years XXXX XXXX XXXX has harassed me about a debt to XXXX XXXX cedit card company. I have made payments through XXXX and the when they were not making the payment on time I took it from them and stated paying XXXX. They then sold the account to XXXX. I was locked out of XXXX website in order to make anymore payments. There is no record of the payments I have made to anyone. They are demanding I pay XXXX. 
They have sent this to an attorney in XXXX XXXX, Mo XXXX and XXXX. 
They to say they have no records of any payments made. 
The amount they are asking for is mostly late fees and interest. I have no way to retrieve my payment info. 
They have threatened me and harassed me for months with phones calls and letters. 
They refuse to send me documentation of payments I have paid. The lawyers refuse to send me proof of my payments either.
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GFS II, LLC (MD)

As of today XX/XX/2021, my affidavit remains unrebutted. Therefore, it remains a fact that the debt from the beginning is fraudulent. Gateway financial solutions is still in possession of my vehicle and have stolen from an address they did not have on file which is a violation and refuse to give it back at this point. Ive had to retrieve my items out of my vehicle just in case anything ends up stolen during this process, which was stressful and inconvenient. This is my 2nd complaint regarding the debt in question. On OXX/XX/2021, I spoke with XXXX an agent and supervisor with the company, she confirmed for me that they abide by the Truth in Lending Act, I then asked her if she was aware of the proper and lawful way to respond when a consumer sends a request for validation according to the law, she claims not to be aware, or could not remember. I asked her to reply to my affidavit with the requested documents, she exclaimed that she was not obligated to do that admitting that they have in fact not addressed all of my request. Its a fact that FDCPA has clear laws on what a debt collector is to do when the debt is challenged. Since the company refuses to send the proper documents requested, they were to stop all debt collection acts until the matter is resolved. They have decided to ignore my request, ignore the law, and continue with collection. Late XXXX Gateway Financial Solutions stole my vehicle AFTER I sent an affidavit and notice to validate the debt. They continue to respond in a dismissive manner. They have threatened to sell my vehicle on XX/XX/21completely disregarding the fact that I, in all my rights as a federally protected consumer have launched an investigation. l will not sit back and allow anyone or company to take advantage of and scam me, no matter how common this scheme may be. I asked in good faith, they ignored in dishonor. As of today XX/XX/2021, my affidavit remains unrebutted and stands as truth. It is my unalienable right and my right as a consumer to rescind any contract if there is evidence of fraud pursuant to 15 USC 1635. There has been no contract in place since XX/XX/XXXX when my initial affidavit was sent. Any power of attorney given has since been revoked. Since the company was not willing to provide me with the bilateral contract, which is lawfully binding and enforceable, proves one does not exist in fact XXXX confirmed that when I spoke with her on XX/XX/21. The unilateral contract that was in place proves that my signature and personal information was used to retrieve the credit that paid for my vehicle. I unknowingly gave the company my information to do so after being made to believe that I was receiving a loan from Gateway Financial Solutions or affiliates.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$48000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account.
Consumer complaint received 2020-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cumulus Funding LLC (IL)

Cumulus Align - not sure of the exact legal name since it appears to have changed is the epitome of " loan sharking ''. I secured this " income sharing '' loan which was not correctly explained to me by the agent, with the very clear definitive understanding I was agreeing to a 36 month term. Since I have this set to auto-pay I was not watching my balance but knew that the term should be ending in XXXX of XXXX. I requested a statement because I noted a date on a incomplete form I received that showed the maturation date as XXXX, XXXX. I was immediately alarmed and knew it was an error. I immediately contacted the company first by telephone with no success and then by email. I challenged the term and was sent an electronically signed document that was associated with my email address but the esignature did not match the font or name I use and more concerning was that the term of the loan was on a page well after the signature page where it showed the term to be for 48 months. A term of 48 months would mean that a loan for {$12000.00} would be a payback of over {$30000.00} which is more than 200 % interest. They don't talk about interest rates but they only talk about a percent of your income and sell you on the concept that if your income does down then so does your payment. The confusing and clever use of language initially led me to refuse the loan. The agent continuously called me pressuring me to take the loan and again we agreed that it would be for a term of 36 months. I never received any documentation until I requested it. Someone modified the document because I the term was so emphatically clear and stated by me several times. This is not only deceptive loan practices but a clear abuse of consumer protections. I refuse to pay more than {$30000.00} for a loan of {$12000.00}. Note the eSignature uses my middle name which is NO WHERE on any other documents.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

The date of XX/XX/XXXX I requested three withdrawals from Coinbase to my XXXX XXXX bank account. 

The first withdrawal was for {$5100.00} The second withdrawal was for {$270.00} The third amount was for {$330.00} I was informed that the funds would be in my account on the XXXX. The funds were not deposited by this time. 

I contacted Coinbase Support and was given two form letters, asking me to wait an additional 5 days. Still there was no transfer to my XXXX XXXX account. 

I was finally able to contact XXXX from coinbase who informed me the wire had been sent on the XXXX and I should check with my bank. 

My bank has no record of any wire from coinbase in these amounts. 

Re-contacting Coinbase Support i requested the federal wire number that accompanies wire transfers. I have not received a response, nor my funds, as of the time of this submission.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: SECURITY FINANCE CORP (TX)

This is a formal complaint against Security Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Security Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions
Consumer complaint received 2020-08-25
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)

I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX 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.
Consumer complaint received 2022-10-12
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. (OK)

XX/XX/2022 : I need to remove associated names from my credit report that I've not ever used to apply for anything. 

My legal and actual name is XXXX XXXX XXXX which is the actual and precise spelling. 

I need for the associated name identification numbers XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX removed from my credit report immediately to avoid any confusion or identity theft situations to remain based off of my recent credit report received and a ongoing issue of my mail missing or confusion of who I am when attempting to get basic local issues resolved versus whoever all else is or maybe attempting to act as me based off of associated name errors on my recent credit report.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with Lexis Nexis, XXXX and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

XXXX has failed to remove after several request. 
Lexis Nexis-Dispute in progress.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXH
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MN)

I made several contacts with XXXX XXXX XXXX XXXX to remove the charges that were occurred in my name as a result of identity theft with no luck it was then sent to collections and now it is derogatory on my credit score
Consumer complaint received 2018-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

In XX/XX/XXXX my student loans were consolidated into FFEL Consolidation loans by  XXXX, which later changed to Navient. I first learned about the Public Service Loan Forgiveness program around XX/XX/XXXX. When I contacted Navient to inquire about this program. I was advised that it was not necessary to refinance my loans. 

I recently submitted my application for the PSLF program and was informed that my FFEL loans are not eligible after all and the 10+ years of payments I have made to Navient do not count towards my loan forgiveness.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.