davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing this letter in hope of recovering a missing mortgage payment in the amount of {$3400.00} returned to my Bank of America checking account by the XXXX XXXX Mortgage. 
XXXX XXXX Mortgage, my mortgage holder claims, my XX/XX/2021 a mortgage payment was returned to Bank of America on XX/XX/2021 as Revoked. When contacted Bank of America to retrieve the funds, they have denied ever receiving a retuned mortgage payment from XXXX XXXX. 
XXXX XXXX have closed their investigation, and the Bank of America have refused to open a new investigation to locate the missing funds. 
Currently one month behind my mortgage payments to XXXX XXXX, and as a result having a hard time paying the mortgage on time.
Consumer complaint received 2020-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

Equifax Information Services LLC is mishandling my credit data and damaging my financial health. An Equifax Information Services customer care agent informed me that Equifax Information Services is reporting my social security number under someone else 's name. Equifax Information Services is refusing to provide a credit report to me under the claim that I have no established credit history. This is an outright lie, as I have confirmed with both credit card companies with which I have had accounts for longer than six months that both companies are reporting my credit data to Equifax Information Services. I was made aware of this problem on XX/XX/2020. I have provided numerous forms of identification on three occasions via mail and fax, as directed by multiple Equifax Information Services customer care agents. I was told that any information regarding this dispute would be relayed to me via mail, but I have received no mail informing me of the progress of this investigation.
Consumer complaint received 2020-07-17
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. (FL)

I have hard inquiries from XXXX XXXX/ XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX. These inquiries aren't mines they are showing on my Equifax. I have dispute them and can not get them to verify the inquiries
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due  process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (AZ)

It all started at the beginning of the loan. The loan was funded via Santander in which at the start was a challenge. I did not get a bill till about two months later because the funding was ( from what I understand ) delayed because of approval. I did take delivery of the car however, the contract had to be shipped to me while I was in Hawaii. I had someone come out to notarize the signing. There were many issues prior to taking delivery of the vehicle in which my son had to take delivery of it as I was still out of state. I am on a fixed income and did not have the best of credit. I started to immediately fall behind and then started to seek out assistance from Santander. To date they have referred me to the XXXX in Arizona to file a complaint and to inquire about the multi state lawsuit for prefatory lending and other illegal, unethical practices by Santander. I am getting the run around to find out about my status in this class action lawsuit and therefor my complaint today. Can you have the organization put my name on this list that they have to forgive this loan and send me the title as I know I am a victim of their business practice than landed them with this lawsuit settlement.
Consumer complaint received 2022-04-07
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: AMERICAN EXPRESS COMPANY (NJ)

Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (NY)

I submitted all necessary documents for a forbearance/deferment to be processed for my student loans, instead of processing paperwork someone in my borrowers office sent my paperwork to the Dept of Ed for default status, ( they did this behind my back even after telling me all my documentation had been submitted on time and they reassured me my loan would not be defaulted, ) I was told by the Dept. of Ed to contact my service provider to have them recall the loan but when I tried to contact them repeatedly I was stonewalled told a supervisor was reviewing my request but, there was not going to be an issue with them recalling the loan, then after calling repeatedly calling the Dept. of Ed. I found out they had turned my loan over to a collection agency unbeknownst to me, I immediately attempted to get a resolution, I am still waiting, I feel I Am the victim of predatory lending not only from the financial institution but, the Dept. of Education, To add insult to injury it has been 10 I repeat 10 years since I graduated and I am working XXXX part time retail jobs barely making ends meet, I am not even working in a position of my field of study. Now I have this over my head? Because someone in the XXXX Office turned my paperwork over with little regard to the consequences it would bring. I can not even further my education because of this. And my life is at a stand still until I can get this resolved. The entire time I have had this loan I have made sure it was on deferment until now, because of the irresponsibility of one or more people working in collusion. I always did that because I could not afford the payment and I did not want to have an adverse stain on my credit report and I always intended to pay it off someday. I still strive to get to an employment position that will allow me to satisfy my financial obligation.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was a customer at Wells Fargo bank from XXXX. My information and my account was used witout my permission or authorization. This ruined my credit score for credit card that I did not authorize as well as fees being put on me without my knowledge. I made my complaint to Wells Fargo and other issues with my information and identity theft because of my information and data including my social security number and other information. Mycredit score has been damaged and I still have not got my credit score fix and I am unable to get my credit back to a plus. I am askig for help in how I can get my score fixed. I made my complaint to all three bureaus.My identity is ruined from my information being compromise with banks and I was also scam and ask help from these two banks and XXXX dud nothing to help me as a customer gor my losses as well as my information being use to open credit cards without my permission or even knowing that this was going on. When I ask for help from banks I was treated unfairly and discriminated on.
Consumer complaint received 2020-07-17
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. (HI)

I sent Experian identity theft report, email the ceo, sent certified letters, call and try dispute it, sent letter Mov ... And they Keep sending me letters asking for everything I sent many time. 
Im writing you out of pure frustration and desperation. I am in the process of purchasing a home and Experian company is reporting in accurate information. I have sent the company multiple dispute letters and screenshots stating that this information is inaccurate. The Information that I speak of is ( XXXX XXXX ). Each time Ive spoken to Experian representative they have stated that the company has provided them with information that has verify the data. Ive sent multiple requests for method of verification data and I have been ignored for each one. I also Spoken to a XXXX XXXX representative they also have an inaccurate information about myself. The XXXX XXXX   representative described me as a totally different person Ive never had an account with them at all. Ive also sent in the Federal Trade Commission report ( FTC ) which I will attached at the end of email. I also sent in a verification letter which I also will attach. Ive spoken to representatives on everyones in I believe that I have done all the due diligence to make this matter correct, Im asking of you to please help me with this matter. Im just trying to do whats right to provide for my family a dream home that I promised them. I thank you for your time and your understanding, I appreciate everything you do. 
I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete
Consumer complaint received 2020-11-16
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: DISCOVER BANK (TX)

I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one DISCOVER FIN SVCS LLC with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my XXXX  report XXXX XXXX XXXX  with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Consumer complaint received 2020-10-26
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. (MI)

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are too block any and all fraudulent information. i will be including a copy of my XXXX  report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes so this company will not close this complaint saying they do not believe this was sent by me or authorized by me. I XXXX XXXX XXXX XXXX authorize this complaint
Consumer complaint received 2021-11-18
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: Spring Oaks Capital, LLC (MO)

I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them 1.spring oaks capital LLC XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus
Consumer complaint received 2020-11-16
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: 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 {$4900.00}, {$1300.00}, {$18000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Andrews & Cox, P.C. (AL)

On XXXX XXXX, I contacted Bleeker Brodey & Andrews to discuss possible payment arrangements for a debt that I owe to XXXX XXXX. I spoke with XXXX XXXX and he begin to ask me questions about my place of employment and I told him that I did not have to provide that information and that I am attempting to resolve this debt. At that point, he became very aggressive, hostile and rude. He said that he would not be able to provide any payment arrangements with me unless I provide him with my place of employment and that he can contact my place of employment to verify and begin the process to garnish my wages. I attempted a second time to discuss a possible payment arrangement and he said that I would need to pay XXXX upfront before XXXX enter into a payment arrangement ... which by the way, he previously stated that he would only be able to provide payment arrangement if he knows my place of employment. I proceeded to informed him that I know my rights under the fair debt collection practices and that he will not intimidate, bully or disrespect me when I am attempting to resolve this matter. He told me to call him back when I have XXXX dollars and hung the phone up in my face. 
I called the firm back and asked to speak with a manager and the representative informed me that is name is XXXX something ( cant remember his last name ) he is on the line with a someone and that I can leave him a voicemail. I left him a message informing him that, XXXX XXXX, was rude and disrespectful and that he hung the phone up in my face. Also, informed the manager, that I am trying to resolve this matter and asked if he could give me a call back. As of now, I still have not heard from anyone in that office. This company uses intimidation tactics to scare people, they are rude and abrasive.