davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

Credit Card Debt FRAUD from XXXX XXXX purchased by Asset Acceptance LLC c/o Midland Credit Management , Inc. ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX KXXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-16
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. (FL)

I have inquieries on my credit report thati did not authorize these companies to do. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

My loan was transferred from XXXX XXXX to Gregory Funding but I had applied for a loan modification on XX/XX/2021 and my loan was transferred to Gregory Funding on XX/XX/2021. When I used to check my XXXX XXXX XXXX, it stated a modification was successful but now Gregory Funding agent telling me when a loan is transferred, there are 100 of documents. Gregory Funding LLC has been a nightmare to me and by looking at their reviews it say 1 star. Almost everyone with similar complaints. It doesnt seem that Gregory Funding will not abide by the process that was already in place. I got everything in writing from from XXXX XXXX what was my options after my forbearance. Gregory Funding agent was asking me what documents I have and instantly I felt something is not right.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (LA)

I have mailed XXXX municipal bonds that has been stamped and endorsed with an instruction letter along with supporting documents through certified mail to New York XXXX Bank XXXX on XXXX. The tracking number is XXXX. After no response I called and emailed and still today I have no response. The reason I sent the bonds to them is because they are the indenture trustee for the following companies and on the companies XXXX forms you can find the agreed indenture between them. By XXXX XXXX being the indenture trustee they have fiduciary duties, per Trust Indenture Agreement, Trust Indenture Act XXXX to act on my behalf that is why I sent in writing an instruction sheet. I am seeking monetary relief. I want them to wire transfer my remittance to my treasury direct account so I can also reduce the national debt by doing so. In the instruction letter it states that the companies that they are in an indenture agreement with have not only been keeping my securities interest but also charged me as if it wasn't already paid for by the treasury. I am not only reclaiming all rights to my securities interest from the following companies XXXX XXXX XXXX, XXXX, and XXXX XXXX but I also want repayment from XX/XX/XXXX remitted to my treasury direct account. The totals are for XXXX XXXX, for XXXX XXXX XXXX both accounts total XXXX, XXXX XXXX XXXX XXXX. I have included in the Certified mail the supporting billing statement up to XX/XX/XXXX. I have also included the additional charges I have received since mailing the instruction letter and no action has taken place. I AM SEEKING MONETARY RELIEF. Which is to be remitted to my treasury direct account. I have attached the instruction letter that was mailed.
Consumer complaint received 2022-03-29
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. (FL)

Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX XXXXXXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX XXXX XXXX  is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX XXXX  XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.
Consumer complaint received 2021-08-20
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: ALLY FINANCIAL INC. (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2018-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (MD)

I used XXXX through my online bank M & T to make a transfer to an individual to purchase a handbag on XX/XX/18. The individual states she never received the funds and I as well never received my handbag. I have been given a USPS tracking that shows no package was received by the post office. I have communicated with this individual and still receive the same information. I contacted M & T and was informed that the individual received the funds and nothing can be done.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

I am a guy from XXXX who started investing into XXXX 6 months ago into Coinbase, what happens its that my account is restricted and I can not withdraw my money and its everything I have. I have been without using my Coinbase wallet since XXXX of XXXX and still can not use it to invest and retire money. I would like to get a compensation because nowadays that bitcoin is getting in its highest numbers again and casually Coinbase restricts my account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is XXXX XXXX XXXX
Consumer complaint received 2019-06-05
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. (GA)

I have contacted Transunion 4 times about a hard inquiry on my credit report. They will not dispute it. I have contacted the company XXXX XXXX XXXX, XXXX IL and they sent me a email that I should submit a dispute through transunion, the only credit reporting Company that has not contacted them. It has been removed from the others but not transunion. They keep giving me the run around and telling me to do this or that. I have sent them 4 letters disputing this and I get nothing but XXXX  letters back.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

complaint involving fay servicing - I fell behind on my mortgage and filed bankruptcy chapter XXXX ( with a lawyer was informed to start making a fresh start XX/XX/XXXX and that my XXXX payment was included in the bk cp XXXX case. After discharge i received a bill from fay servicing showing doubled for XXXX and XXXX. I've called fay servicing multiple times requesting research and correction to my acct. Last call was around XX/XX/XXXX rep said he would send a pencil ledger to my case manager. I haven't received a call back as of yet but in the mean time fay servicing filed a motion for relief on my home. i have brought my account all the way current but they are still saying i am behind. i have all my payments which where made by check so i have my bank transaction history to fay servicing to provide. I fell they are misleading and it's not fair to me also i feel like they are eager to take my house instead of correcting the issue and they keep charging lawyer fees on my statement but won't address my issues.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion - XXXX XXXX XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX/XXXX  is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX/XXXX  credit card is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a credit card with XXXX nor was I aware that an account was ever opened in my name. I've already attempted to reach XXXX - please see the documents attached. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with them. In accordance with FCRA Section XXXX I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX University. XXXX University was closed - shut down due to fraud. By continuing to report a tradeline with derogatory marks XXXX XXXX is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX University through XXXX XXXX. Thus any and all activity on this account is fraud.
Consumer complaint received 2020-07-23
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)

This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXX through early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX  side ( I wasn't able to make online payments XXXX. I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX  as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,
Consumer complaint received 2022-09-16
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited {$7000.00} in cash to an ATM at Bank of America in XXXX, NY on Friday XX/XX/XXXX. The machine timed out during the transaction and my cash deposit was never credited to my account. That is all the cash I had access to and this has caused a devastating hardship. I have called multiple times and all they tell me is that it could take 45 days to figure this out. NOT ACCEPTABLE. They have my money and there is no reason this can not be resolved quickly. Been a customer for 25 years.
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXXthrough early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,