davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-16
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shermeta Law Group, PLLC (MI)

Shermeta Law Group with a XXXX XXXX XXXX submitted a request and Writ for Garnishment for a student loan which was consolidated with other student loans. They froze all my parents bank accounts dated XXXX XXXX, 2015. Still to this day, even after agreeing to pay a settlement amount, they have not notified the courts, took the money, or notified anyone, including myself. Also, they did not provide the original loan agreement. I believe this is another company like XXXX XXXX. I have no information regarding this matter except for the Writ for garnishment. Also, this debt is past the statue of limitations.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (CA)

PREVIOUS COMPLAINT ID XXXX Its my right to tell the truth and it seem Newrez LLC has not been true to their action. i want an immediate investigation or if you can retrieve our recorded conversation. 
I already submitted my reply to the previous complaint, Just retrieved the file from your end. In my honest opinion they have run my credit without my consent- i was with my spouse during the conversation and to my recall 110 % he did not gave my SSS number to run. Its only conversation to access what could the company offer. 

Once again i repeat no consent was given to run my credit report!!!
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have attempted to get debt validation from this company in XX/XX/2017 to no avail no validation was sent. I am filing this complaint after recently obtaining my credit reports from XXXX, XXXX, and XXXX. I believe the debt to be invalid and I am requesting and have requested in the past that this be rectified. I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am writing to bring to your attention serious concerns regarding inaccuracies present on my TransUnion credit report. Despite repeated attempts to rectify these errors, they persist, posing significant challenges to my financial well-being. 
Since XX/XX/scrub>XX/XX/2020, I have diligently worked to address fraudulent and unknown accounts, as well as errors in personal information, on my credit report. Regrettably, these efforts have been met with limited success. The following accounts require immediate attention and resolution : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I have noted an alarming discrepancy in the personal information section, with a total of 32 different names listed. This misinformation is not only inaccurate but also undermines the integrity of my credit profile.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (NY)

Im having a lot of issues with the companies I have sent emails I have sent in police reports and there is still a problem the fraudulent account is still in my report. Like I have said for the tenth time I have no knowledge of this fraudulent account. I should not be penalize for my identity being stolen. This is against the law. Help me do what's right. I have attached the FTC/Police report. & Proof of my identity
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

PUGET SOUND COLLECTIONS INC IS TRYING TO COLLECT MONEY FROM ME THAT IS NOT OWED TO THEM! 

I have requested information/validation on this debt BEARING MY SIGNATURE, as required by the FDCPA per code section 807-8, and have not received anything stating that I owe THIS company ANY money. 

They have repeatedly stated that they have validated this debt WITHOUT PROOF OF MY SIGNATURE. 

I have never done any business, never SIGNED a contract with them, nor do I owe them any money.
Consumer complaint received 2016-05-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (RI)

Green Tree changed the terms of my loan without ever contacting me or me agreeing to the change. I was paying my taxes separately from my mortgage for years. GT started to pay the city out of my payment without ever telling me. I went to the City to pay my taxes last XXXX 2015 and they said they were paid by my mortgage company. The problem I have now is because they took the taxes out of the money I paid towards my mortgage every month for 7 + months and reported me late on my credit report. I NEVER signed or agreed for them to pay my taxes. I have since gotten a modification ( took 3 + years of XXXX ) and they did finally lower my interest rate and I am now paying my insurance and taxes through them, but I never agreed to this before the modification. I want the late for 7 months taken off my credit report because it is not true. I was not late, they changed the terms of the loan without my consent or knowledge. Please respond.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contact Transunion and spoke with customer service name XXXX from XXXX and explained to her that in XX/XX/XXXX my inquiries from Transunion were deleted and reinserted back 2 days later without me receiving the proper documentation in writing as the law says every time something is reinserted customer needs to get within 5 days notification of issue which I never received representative said that there were no issues with Transunion that she would not help and take care of the negative inquiries reporting to my credit report. I demand her to delete those inquiries that were put back into my credit report she replied no because it was an issue with XXXX or XXXX website reporting wrong information for Transunion that it was not Transunion directly. The following are the inquiries that were deleted and reinserted back into my credit report from Transunion,,, XXXX Date FiledXX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX, ,XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,,,, XXXX Date Filed XX/XX/XXXX,,,,, ,XXXX Date Filed XX/XX/XXXX,,, ,XXXX Date Filed XX/XX/XXXX,,,,,, XXXX Date Filed XXXX,,, ,XXXX Date Filed XX/XX/XXXX ... ..
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, Transunion had inserted deleted collections and deleted hard inquiries on my credit report between XXXX, i had questioned Transunion, however they stated that there is no record of such transaction, i have screenshots to support my claim.Thank you
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (IL)

On XXXX/XXXX/XXXX I received an email from PayPal that my account was being placed on hold. I called them to get it resolved and they told me that they would have to close my account and open a new XXXX, thereby losing my entire PayPal account history ( of 12+ years of transactions ). They said the reason is that my account was opened in XXXX, before I was XXXX, and therefore my signed agreement with PayPal is null and void. I asked to resign the agreement but they did not comply. They are n't allowing me to withdraw my account balance until I 've agreed to lose my entire account history and have not provided any alternatives.
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding is reporting a collection account on my credit report with account number XXXX that was for a XXXX XXXX account. I have disputed this account numerous times to get proper validation for it and they have refused to send me anything. Further, they are reporting me 120 days late on XXXX  which I looked up and is a violation of their METRO-2 reporting per the CDIA guidelines. I attached a screenshot.
Consumer complaint received 2021-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (SC)

Nelnet has engaged in questionable practices over the many years it has serviced my student loan to include ignoring the soldiers and sailors civil relief act by failing to lower the interest rate on my federal student loan below 6 %, applying overages in payments to future payments instead of principal, and also lying to the federal government and the CFBP about the true terms of my loan in order to disguise its predatory practices. When I got engaged with Nelnet I was XXXX to XXXX.
Consumer complaint received 2015-05-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

On XXXX XXXX, 2014, I was unable to leave the property of First Merit Bank, XXXX XXXX, XXXX XXXX, Ohio because of a bank XXXX. I complained to the bank employees who did nothing. I was trapped at the bank. I filed a written complaint with the bank the very next day, including the following : " Because of this terrible situation I experienced at FMB, I tried to contact the offices of its XXXX, XXXX XXXX, to inform headquarters. I called the XXXX customer number. To my disappointment, XXXX would or could not give me contact information for the Bank 's corporate offices in XXXX. I then called the XXXX XXXX branch. To my continued amazement, teller XXXX had never heard of XXXX. ( Does n't the Bank educate its employees about such a simple piece of information? ) Nor could she tell me how to contact the Bank 's corporate offices. All she would say is call customer service. I informed her that I already had. XXXX had nothing more to add. '' No one from the bank ever responded. I resubmitted the complaint on XXXX XXXX, 2014. Still, to date no one from the bank has contacted me about being prevented from leaving the bank 's property, It is now more than half a year without the bank acknowledging the customer service problem, let alone apologizing or taking action to correct its mismanagement. It is against public policy and the public interest to be held 'captive ' by a bank and its contractors. And, just as bad is the inability or the intention of the bank 's customer service department to provide access by a current customer to the bank 's corporate staff. How can the public complain to headquarters when the lower ranks are a hindrance.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (CA)

When I applied for a Wal-Mart credit card they told me that if I spend {$75.00} " today '' I will get {$25.00} dollars of my purchase. I spent {$88.00} and they did n't subtract the {$25.00}. They told me that I was supposed to spend it all at once for them to subtract the {$25.00}, yet they did not tell me this when I applied for the credit card. I am very upset and very dissatisfied with the service that I received. I feel that they fooled me into applying for a credit card. I need them to refund me the {$25.00} right away or I will be taking legal action.
Consumer complaint received 2023-04-15
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. (NJ)

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX  : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries should be deleted from credit report. I did not authorize. some inquiries are like same or next day. 
XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX I XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX, XXXX XXXX XXXX Automotive
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (PA)

I have a mortgage with First Niagara Bank ( Niagara ). Niagara is also my loan servicer, and collects and holds my escrow for insurance payments. In XXXX XXXX, my homeowner 's insurance company, XXXX, billed Niagara for {$1500.00}, payment for the upcoming year. Niagara made the payment to XXXX late, after the due date, and as a result my insurance was cancelled. At the time I had funds available in my escrow account. I have never missed or been late on a loan payment. Additionally, I did not receive any cancellation notification from XXXX or Niagara. Today, XXXX XXXX XXXX I was notified by my insurance agent that I did not have any insurance coverage. This is not right, fair, or just. I have paid all of my bills, read all of my mail, and done everything a responsible homeowner should do. Niagara has mishandled my money and exposed my family to significant risk as a result.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

XXXX XXXX navient student loan.. XXXX XXXX school XXXX XXXX NY and XXXX XXXX XXXX NY..Loan is in default because i 'm unable to pay the amount. Their asking me for more than i make in my paycheck and its impossible to give a down payment of {$10000.00} and pay {$500.00} a month
Consumer complaint received 2021-06-06
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. (NY)

XXXX XXXX illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. XXXX XXXX in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and XXXX XXXX is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

Was not receiving statements in the mail. Payments were being sent with statement. I had called to see about reversing late charges and offered to pay the initial purchases but was told only half could be taken off. I have since paid the balance in full including all the late fees and fincance charges and interest. I want it cleared from my credit history.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I spoke with XXXX and XXXX and they told me that Confirmation number XXXX can not be viewed on the completed Equifax investigation online dispute website for me to see the results from the investigation dispute I filed ... However, XXXX told me verbally that the creditor reported accurate information on my credit report but can not verify it in writing on their website .... I 've been told by XXXX or XXXX that I will receive information in writing 7 to 10 business days and I never received any mail correspondence from Equifax. Please make sure Equifax is reporting information fairly and accurately ... .. Thank you very much