davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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. (AR)

On XX/XX/2021 I spoke with Agent XXXX ( exgXXXX ) in regards to fraudulent accounts XXXX, XXXX Funding, and XXXX asset Management who confirmed Equifax would be removing or deleting those account items from credit report within 24 to 48 hours. On XX/XX/2021 I spoke with XXXX agent ( XXXX  ) confirmation number XXXX and on XX/XX/2021 case number XXXX in regards to the these accounts that were initally deleted or removed and were placed back on my Equifax credit report after several disputes including a police report along with a notarized affidavit. As of today these accounts have re-aged or re-appeared back on my credit report after being blocked which has caused an unforturnated financial hardship in my applying for mortgage recently in which these accounts never should have been reporting on my credit file under sections 605b, 609, and 611 of the Fair Credit Reporting Act. I find these actions to be in clear violation of my consumer rights and is totally uncaccepatable. Also certified correspondence was received by Equifax on XXXX at XXXX tracking ( XXXX ) in regards to the fraud related accounts.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (IN)

My issue is with XXXX XXXX XXXX XXXX XXXX reporting inaccurate late payments to my credit report & not correcting the information. My auto loan was paid in full & was never late & my report should reflect that!
Consumer complaint received 2021-01-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AmerAssist A/R Solutions, Inc. (MI)

A claim of XXXX XXXX, which was not performed on me or anyone in my family, was issued by XXXX XXXX in XXXX XXXX XXXXXXXX, CA and sent to a debt collector which in turn was sent to me. I ignored the first bill back in XXXX, XXXX knowing full well I did not have any XXXX XXXX performed in California since I live in Michigan and last visited California sometime prior to XXXX before the age of XXXX. I do not have any information regarding dates or work performed as I never received anything but a debt collection notice. On XX/XX/XXXX I received a notice of potential collection by an attorney in XXXX, OH representing the debt collector also located in XXXX, OH. I am currently drafting a letter to the attorney, debt collector and XXXX  requesting information I can present to my XXXX and Insurance company in order to prove I had no work performed outside my own XXXX in Michigan. The total debt owed is {$1600.00}.
Consumer complaint received 2021-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

I attempted to settle for a lower payoff which was turned down cold despite the fact that I have new health conditions that do not permit me to work any more and a 279 % interest rate. 
I filed CFPB complaint # XXXX. The companys response to this complaint was simply to call them, which I did. I was turned down again. Manager told me that since I had modification in 2020, I was no longer eligible, which they never told me in 2020. 
I stand by my offer that I made earlier. 
The manager did offer to stop interest from accruing until XXXX if I would pay of THEIR balance. This is contradicting his statement that I am no longer eligible for any type of modification.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

Hello- i recently noticed on my credit report ( XXXX ) that  Transworld Systems has a negative entry under XXXX XXXX for {$13 0.00}. I called Transworld Systems on XX/XX/2020, and they were unable to find me in their system. If that is the case, I do not understand how they were able to file a negative entry for me on my credit report! 

Please help get this resolved.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I tried several times to update all my personal information with my creditors for all 3 credit bureaus and they have not updated correctly. My information should all report as follows : Name : XXXX XXXX XXXX DOB : XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (MD)

I contacted two different collection agencies XX/XX/XXXX and XX/XX/XXXX about the collection attempt for XXXX XXXX. Neither one has back down from Collection attempts after sending letters to the agency. XX/XX/XXXX contatcted XXXX XXXX Bankruptcy division and the rep was not knowledgeable about her job. The supervisor told her to not transfer her to me because she was getting off early.. 

The first letter was from XXXX XXXX XXXX XXXX MN dated XX/XX/XXXX. the second letter was from MRS Associates XXXX XXXX NJ Dated XX/XX/XXXX XXXX.forwarded from the very last address that we had service before we totally resolved our relationship with XXXX XXXX  XXXX XXXX  is not a reputable company very bad experince with hem and their collection agency. I am XXXX rs old. I do not work I get a very very small pension
Consumer complaint received 2021-12-04
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: CBC Companies, Inc. (FL)

I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/2021. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : ( Original Creditor : ) XXXXXX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX  does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (FL)

This correspondence is in regard to the denied application ( s ) for personal loan with One Main Financial. This denial/adverse action is a direct violation of my rights as a consumer.

This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.

This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2.
Consumer complaint received 2021-12-04
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2100.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I just spoke to a rep with XXXX XXXX and even a manager XXXX on XXXX XXXX XXXX ( they said they got my payments and in adm forebears til XXXX ) ). I called to get status of My loans to make sure they were under cares act until XXXX to get verbal confirmation they were reporting it correctly As well as to get date so I would be prepared. I was told my loans were under cares act Another reason I called was because I spoke to XXXX XXXX Ombudsman with dept of Ed ( earlier XXXX ) and she said XXXX and XXXX were reporting I had not paid anything XXXX. Plus I has received a letter after I made 4 payments through XXXX from XXXX XXXX saying that they only received XXXX payment! This was before they sent me a detailed list with payments i made, a late XX/XX/XXXX for interest and I paid an extra payment they were collecting and I didnt have to pay! I have never experienced a company like this!!!! It seems like they are trying to take from people anyway! Mess up credit and loan status they manipulate to their advantage.both XXXX and XXXX XXXX ..they change status to deferred or forebearance prior to coronavirus vs repayment in order to run them out!!!! this letter says I agreed to resume payments in XXXX but I didnt I wasnt working during the summer! Seem like bullies they both sent conflicting letters throughout my time! Its bad enough XX/XX/XXXXcame in picture XXXX because XXXX XXXX gave the loans I disputed several times and they seem to mix up loan information/conversation between the three companies and in phone the seem to say wrong thing then correct it!! I realize all of this is being recorded they have!! If it wasnt for the illegal entries in my apt , Forged docs and stolen signed green return card ( deleted out of mailing system found receipt and I saw green certified card signed by XXXX something day before made police report I organized them ) XXXX pension with XXXX may be stolen and a weird XX/XX/XXXX Ascension ( XXXX XXXX company- I didnt know who they were especially based on weird letter.nothing attached.. I was updated in payments on loans and they send a letter ... I thought it was a bogus debt collectors ) regardless something is so off with all three companies1.Big picture if i didnt see all this ... I wouldnt believe they were trying to steal from government and consumer!!! XXXX XXXX keeps changing my phone number and both companies said they dont do hyphens very odd but I think they are changing my name because they wont pull names together ... there is a dispute regarding a fake XXXX promissory note in name XXXX and my signature was crooked on bottom!!! Copies of certified disappeared- with hacking this can be updated to paid because I saw documents credit reporting and much conflicting info in various sources?? Looked like a setup ... .technology is more advanced than people know to- easy to steal our money ....
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am having trouble with my lender providing assistance to the freeze education offered by the president and education department. 
During the cares act AES claimed my loan was commercial only provided forbearance one deferred but with interest rate accruing.

During my investigation of my forged documents and illegal transfer of my loan by AES/ XXXX XXXX, the XXXX had informed me I was a federal loan and I was misinformed. 
I would like to know why the lender has overlooked this and now Im in delinquent account. 
I am still seeking answers from XXXX XXXX, of The XXXX XXXX XXXX  AES  XXXX XXXXl on my illegal forged documents and illegal transfer of my loans to Goal Financial. 

I have fully complied and submitted a XXXX page fraud package on XX/XX/2021. 
AES FRAUD DOCUMENTATION/ IDENTIFICATION THEFT / FORGERY SENT TO THEM via Certified mail on XXXX receipt enclosed * AS PER THEIR REQUEST AND NOTARIZED Adding to my case. Cyclical elusive tactics- The latest response from the service department PHEAA /AES PHEAA and AES are non compliant, elusive tactics and have ignored my case. I have been requesting assistance with AES since XX/XX/2021. After much frustration and run around by them, I finally requested the Fraud Package. 
I have sent them the fraud package in XXXX via certified mail. 
*See documentation on the pdf provided False certifications and forged signature forms. Affidavit, police report, notarized request of my signatures etc as AES requested
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (FL)

Hi my name is XXXX XXXX and I need to Dispute some late payment report history with XXXX XXXX It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with Jc Pennies with some late payments due to covid 19 as well. the account is SYNCB/Jc penny # XXXX and XXXX XXXX is XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (WA)

Binance asked for a memo on my transaction. I input the memo incorrectly. I have tried reaching out to recover my funds. But it has been two months now and they have yet to look into my claim. Binance is a FRAUD
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

This debt was disputed with the first collection agency. Now replaced with ERC. I didn't live in Georgia at the time the bill was created. I live in XXXX XXXX FL. I have asked for a wet signature but Noone have been able to provide it.
Consumer complaint received 2021-05-25
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. (CA)

I sent mail twice to Equifax with copy of SSN and driver 's license etc in order to correct my personal information. 
They did not process my mail and did not correct my info. 
They do not seem to process mails.
Consumer complaint received 2021-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am showing a hard credit pull inquiry from your company on XX/XX/2021 that has negatively impacted my score. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

late not true : FCRA violations send proof of it or remove it : XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$420000.00} Payment Info Status Account renewed or refinanced Status date XX/XX/XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$16000.00}
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC (OH)

On XX/XX/2017 DiTech Mortgage sent XXXX from XXXX XXXX illegally into my home.  Was told to contact XXXX XXXX to pay for damages and stolen property in the amount of $XXXX. Police report was made.  Have tried repeatedly to get this resolved to no avail.DiTech  Mortgage. Ph: XXXXXXXX XXXX XXXXXXXX  Az XXXXXXXX XXXX Manager XXXX  Ph: XXXXXXXX XXXX attn: XXXX XXXXXXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$91.00} XXXX  XXXX Balance {$130.00} XXXX XXXX Balance {$42.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX
Consumer complaint received 2022-04-07
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)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient in the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, pursuant to section 604, indicates the only permissible purpose for inquiries is a firm offer of credit, court order, employment, and insurance. From my records neither did I authorize these inquiries there is no permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them from my credit report.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

I have an account listed on my credit report as Discover Bank with a current balance of {$150.00}. The date of the first delinquency on my credit report is not accurate. This account was opened before XXXX XXXX. This debt is currently violating the statues of Limitations as this debt should have already been removed from my credit report. Every Time I reach out to discover bank I am put on hold and can never get to an actual representative to try to speak with someone on getting this removed. I am asking for this debt to be removed from all 3 credit bureau 's.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX XXXX  debit account XXXX Called Bank of America last week to have this all taken care of due to poor bank management. 
Bank of America agreed it was a mistake on their end and refunded overdraft fee of {$35.00} Today, notice account is overdrawn XXXX for same XXXX  payment of XXXX that was declined by Bank of America and another {$35.00} overdraft payment. 

Bank of America will not reverse overdraft even though they reversed the XXXX payment. 

Bank of America is causing pain and suffering due to their shady tactics a d shady employees