davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Received a XXXX with the Letter F in identifiable event, Box 6 F- Means by agreement according to the XXXX form.

1 ) I have never had an agreement with either OCWEN or XXXX XXXX XXXX XXXX, Please provide me with the agreement. Please provide proof of Agreement. 

2 ) Box 7 it says Fair Market Value XXXX  ( XXXX  ) How did they come up with this? What is it based on? please provide proof 3 ) Box 2 XXXX amount Discharged. 
How was this number acquired or reached? 
What documentation can you provide to verify the accounting? Please provide proof 4 ) Box 1, Date of Identifiable event XX/XX/XXXX. 
How was this date entered based on what facts or documentation, please provide proof 5 ) Whose Creditor Federal Identification Number is XXXX, Please provide proof of funds that were Lent and for what purpose. What Agreement I had with them as a Creditor, Borrower, Show me proof of any Money, funds that I Received or borrowed on my behalf provide check Numbers, accounts, accounting of where, when, how money was transferred and for what purpose. 

6 ) Account Number - Whose account number or Numbers are these?

How are they associated with Me?

5 ) Box 5 Was left unchecked? it says if unchecked, the debtor was personally liable for repayment of Debt.

Definition of Fraud : Intentional deception, resulting in the injury to another.

If I was not liable, then How did I have an Agreement with the company or companies submitting this false document to the IRS and Me Via US Mail constituting Mail Fraud 18 U.S.C. Section 1341, the two elements have been provided 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and 2 ) use of the Mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ) Schmuck v. United States ,XXXX U.S. XXXX ,XXXX XXXX. XXXX ( XXXX ) ; see also XXXX v. United States ,XXXX U.S. XXXX ( XXXX ) ( " The elements of the offense of Mail Fraud under ... 1341 are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail and Wire Fraud ,31 AM. Crim. L. Rev. 703,704 ( 1994 ) ( cases cited ) I was monetarly and emotionally injured by the mailing of this document and others associated  to it and by these companies. 
I am asking for The Attorney General to File a Quo Warranto Action on behalf of the Citizens and consumers of the United States being taken advantage of and being deceived by these companies causing financial damage and loss of trust in the Financial stability of this country.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo XXXX Branch cashed a check that was in my name for someone I don't know. 

I was mailed a check from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in the amount of {$390.00} Someone intercepted the check and cashed it at a Wells Fargo XXXX Branch on XX/XX/2021 using account number ending in XXXX.
Consumer complaint received 2020-06-02
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. (MD)

I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX the following accounts were taking off my credit report 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 On XX/XX/XXXX all the items were put back on credit report.

In accordance with the requirements of the FCRA s

e ction 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These
items need to be removed off of my credit reports immediately.
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (VA)

Back in XXXX I sent a dispute to the major credit bureaus for XXXX XXXX XXXX  XXXX I do not owe these people a single XXXX they're trying to collect on a debt that I paid my entire 3 year contract. I sent a debt validation letter to the collection company and never received a response. 

I also made the credit bureaus aware of this mistake and did not receive a response. I realized in XXXX that more than 2 months had went by so I sent the credit bureaus a 30-day no response letter XX/XX/XXXX.
Consumer complaint received 2021-10-21
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: ENCORE CAPITAL GROUP INC. (NY)

PLEASE REMOVE 1. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (GA)

On XX/XX/2021 I sent a certified letter in regards to a letter I received onXX/XX/2021from Capital management service LP, regarding this alleged debt. I requested that they send me validation of this debt and they sent billing statements. OnXX/XX/2021I sent another certified letter indicating : :You are hereby requested to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

2. You are also requested to CEASE and DESIST contacting me with regards to this matter, unless it is to notify me via U.S mail that you will be terminating all attempts to collect this alleged debt. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

They responded back with the same documents that they previously submitted.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WV)

My PayPal account has been permanently restricted without notice or reason given. My account is locked for 180 days and no ability to remove my cards or funds. Again, no reason given and the help number could give no information.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (CA)

Company, GreenSky, is trying to collect a {$17000.00} debt. I have called GreenSky many times about this issue since 2016. They have been reporting negatively to the credit bureau. Multiple times I have asked GreenSky for a signed contract they have with me. One representative of GreenSky says they do have a contract and that they will send it out by email. Another representative of GreenSky said they will mail it out. A third GreenSky representative says they dont use contracts. All representative have said different things when I ask for a signed contract. Im still waiting for signed contract through email and mail. They will never send me a copy of a signed contract because they dont have one with me. GreenSky representative say they have tried reaching out to a company called XXXX, to respond about my complaint. I have asked GreenSky if I can have the number to XXXX  so I can call them. GreenSky responded that they dont have information about XXXX. I scratch my head and wonder, why doesnt GreenSky have information on a subcontractor or business they are doing business with? And why would GreenSky be billing me if they dont have a signed contract with me? Why would they be reporting to my credit bureau if they dont have a signed contract with me agreeing to charges and or debt? Something really wrong with this GreenSky business model.
Consumer complaint received 2022-04-08
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. (NC)

I contacted XXXX on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Bank ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX -TXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX AXXXX XXXXL ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXXH ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (WI)

I received a letter from US Bank dated XX/XX/2021 stating, " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application ''. I did not apply for a credit card from US Bank ( XXXX ) and I tried to call the phone number on the letter ( XXXX ) to inform them and get more information but I was on hold 30 minutes and no one answered my call. I called several times Monday XX/XX/XXXX and Tuesday XX/XX/XXXX with no luck. The REF # on the letter is : XXXX. It stated the creditor and issuer of this card is U.S. Bank National Association.
Consumer complaint received 2021-12-08
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. (TX)

Hi XXXX has a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-19
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. (TN)

I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I called multiple times today and in the past in reference to synchrony Bank with the CareCredit account card. They miss apply payments whenever there are standard charges they apply them to the promotional balance instead of the standard charges and then charge you interest. They refuse to reverse the interest charges. No other credit card company does this. They day you have to specifically call to get the payments applied to the standard purchases in order to avoid interest.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

Sent a Debt Verification Letter to Fidelity Creditor Services on XX/XX/2021. They responded with an Invoice that does not verify any debt belonging to me. I'm asking for documentation verifying I accepted that debt. I have never lived in XXXX XXXX where the debt originates per the credit report. Please provide verification of this debt owed or remove from my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-02-09
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 discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the XXXX credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-12-08
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.