davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2016-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (FL)

Gatestone & Co called me XXXX on XXXX and once again on XXXX from phone number ( XXXX ) XXXX trying to contact a co-worker regarding a collection. Gatestone has the appropriate contact information for that co-worker as they have contacted him directly in the past. Gatestone should not be contacting me at work and on my work number in an effort to use me, an uninvolved party, to resolve their issue. When I called to inform them of such, they denied any knowledge or record of the calls, my name or my phone number
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

I called MOHELA multiple times over the course of the last 18 months. Most recently on XX/XX/XXXX to request an explaination of letter they sent to me following my original complaint that loans listed in forbearance on the MOHELA website should be counted in my PSLF. 

Over the last 18 months MOHELA has placed me on extreme holds lasting upwards of 2 hours waiting to speak to a manager following continually being given different reasons why my loans were not being counted. I was told on many occasions it was due to the loan being defaulted. I contacted the XXXX XXXX XXXX on two occasions and requested the dates my loan had been in default. Those dates were provided in XXXX, they were listed as being rehabilitated in XXXX of XXXX and put back into good standing. There remains a period time between XX/XX/XXXX- XX/XX/XXXX where there is no record of my loan, MOHELA has been unable to share what servicer it was with, as it was moved from XXXX to XXXX to XXXX. The XXXX XXXX XXXX has no record of my loan being defaulted in XXXX until XX/XX/XXXX. I requested MOHELA provide me with the information proving that my loan had been in fact defaulted and what documentation was sent to me, the OWNER of the loan during that time. My address, phone number and email were all accurate for that period of time and on notice was received on my end, no proof has ever been provided, and the XXXX XXXX XXXX has no record of it. 

MOHELA sent me letter on XXXX, XXXX XXXX that included no relevant information to my ask, but was merely a recap of my phone calls and stating the dates they claim I was defaulted. This is not proof of default, words and paper from MOHELA do not prove the loan was defaulted.
Consumer complaint received 2020-07-07
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Consumer complaint received 2020-11-08
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. (NY)

this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

SEE ATTACHED LETTERS BEEN SENT AND PROOF OF MY ID
Consumer complaint received 2015-08-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (TN)

This is about a collection company for XXXX. I was in the hospital in XXXX for over XXXX years. The phone number XXXX called me on the hour every hour. When I was released from the hospital they called me last me last night. I asked what company this was. I explained I had been in the hospital over XXXX times in the last XXXX days and when I got settled, I would review the situation. I got another call from them XXXX minutes later and then again in an hour.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus. 

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2020-07-07
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. (CA)

There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have requested the company examine the Public Service Loan Forgiveness documents I submitted on XX/XX/XXXX in order to discharge my loans, as I have made the required XXXX payments and have served with the U.S. FDA since XX/XX/XXXX I have yet to hear from them on the matter. I have attempted to talk to a live person by both chat and phone, to no avail. Additionally, I have been required to make payments during this timeframe $ XXXX.
Consumer complaint received 2020-07-07
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. (CA)

There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (FL)

I received a book of checks in my name from TD Bank and when I called customer service using the account number listed on the checks, the account had over {$4000.00}. We called the XXXX Police department and they documented everything and opened a case but I was told to opened a fraud case with TD Bank. I called the bank and someone took all the information but never gave me a case number and never called me back. I went to the bank in person to find out who opened the account and was told that they could not disclosed that information. They just closed the account two months later. 
I want to know why the victim dont have the right to know who opened a fraudulent account with TD Bank XXXX I wrote to the TD Bank Escalated Senior Department who referred me to the Chairman Services who never answer my email, then I called and left several messages and finally today I received a call from that department and was told that I can't get any information and that is normal as he ( XXXX XXXX. ) has been able to open accounts without any id. This made me question myself if this is a case similar to the one that XXXX XXXX had were employees were opening fraudulent accounts in order to keep their jobs because they had a quota to meet. I found information in the FCRA page that states that " I received a book of checks in my name from TD Bank and when I called customer service using the account number listed on the checks, the account had over {$4000.00}. We called the XXXX Police department and they documented everything and opened a case but I was told to opened a fraud case with TD Bank. I called the bank and someone took all the information but never gave me a case number and never called me back. I went to the bank in person to find out who opened the account and was told that they could not disclosed that information. They just closed the account two months later. I want to know why the victim dont have the right to know who opened a fraudulent account with TD Bank when the Fair Reporting Act states that by law they must provide copies of records without a subpoena.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX {$10000.00} late payments in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC (IA)

Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$83.00} FIRST XXXX XXXX {$0.00} XXXX XXXX {$0.00} PORTFOLIO XXXX {$960.00} XXXX {$1300.00}
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

Error Resolution RequestI made a {$10000.00} payment in XXXX 2015 and per XXXX XXXX of Shellpoint, this payment was not credited until XXXX XXXX 2015. Shellpoint has failed to explain to me why the delay in timely crediting my XXXX repayment plan payment? They refused to give me anything in writing to support I was actually in a repayment plan. 

Monthly Mortgage StatementShellpoint has failed and refused to send me any monthly mortgage statements since XXXX 2015 to which CH of Shellpoint said on XXXX/XXXX/2015 at XXXX PST " we do not send monthly mortgage statements on severely delinquent accounts ''. Please immediately provide me with each of the following monthly mortgage statements and show me any regulatory instructions that Shellpoint can refuse to provide monthly mortgage statements. 
Monthly Mortgage Statement Demand for XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015. Per Regulation X Part 1026 ( e ) - 1026.41, you are required to provide me with a periodic billing statements. 
Demand for Payoff amount good through end of XXXX 2015. 
Request to postpone foreclosure saleAs I notified CH of Shellpoint we have received a full price offer which will satisfy the entire debt on this loan. We respectfully requested a 30 day postponement of the scheduled foreclosure sale to finalize this sale and we have not been given any assistance, nor did they even ask for a copy of the purchase agreement..
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Interstate Recovery Service, Inc. (GA)

I keep getting calls from interstate recovery collections threatening me that they have a recording of me ordering over {$1000.00} worth of magazines. I do mot think this is accurate. I dont read magazines and they call constantly from different numbers threatening to send this recoding somewhere although they don't say where when i ask. Then they get nasty and hang up on me. I'm sick of this.
Consumer complaint received 2024-01-19
Product: Credit reporting 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)

I have reviewed my consumer reports and I noticed that I have XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX, XXXX & XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

I discontinued service with XXXX on XX/XX/2016 and paid a final bill of {$150.00}. I was billed in to the month of XX/XX/XXXX for the amount of {$260.00} which was turned over to Credence debt collection after several attempts with calls and letters to XXXX to get the matter resolved. I have disputed this bill with Credence, XXXX, TX XXXX, Phone XXXX although I spoke with someone in XXXX email XXXX. I appreciate your assistance in this matte
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Allied Collection Services, Inc. (Nevada) (NV)

Was called numerous times and was being threatened to be taken to court and have my wages garnished, because of these threats I signed a payment agreement so they would n't take me to court now I can no longer afford the payments I signed up for and am asking them to lower it they are stating they ca n't lower it because I signed a legal agreement
Consumer complaint received 2020-07-07
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. (NJ)

I never had a XXXX account why is it on my credit Equifax is the only credit bureau who didn't delete it. I was XXXX when the acount was open. I didn't have an account or a job please delete its not mines please delete XXXX XXXX XXXX XXXX from my credit unin from my report please
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my ongoing concern and dissatisfaction with the attempts to rectify fraudulent items on my credit file. Despite multiple efforts, I have not seen a successful resolution, and these fraudulent entries continue to impact my credit negatively. 
I have diligently followed the dispute procedures outlined by your agency, submitting all required documentation to substantiate my claims. Despite these efforts, the fraudulent items persist on my credit file, causing undue stress and hindering my financial opportunities. 

I understand the importance of maintaining accurate credit information and the role of your agency in ensuring the integrity of credit reports. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I request a thorough reexamination of my case and a swift resolution to remove these fraudulent items from my credit file. I have attached supporting documentation for your reference. 

I expect a written response within XXXX days, in accordance with the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} 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 Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-01-20
Product: Credit reporting 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)

I do not recognize these credit inquiries. And I have ask for them to be remove and the bureau did not do as I ask. I am providing identity theft report and I am requesting them to be remove because there are inaccurate and they are not mine.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/21 I sent a letter to Portfolio Recovery regarding a debt that I do not owe and a card I never signed up for. I sent this letter by certified mail receipt # XXXX by USPS postal service. I never received a validation with the items that I requested to prove that this debt was mine, and I assume that they never responded because you can't validate something that is false. I followed up with another letter on XX/XX/21 and still received no response to my request nor any validation that this debt belonged to me, which I mentioned numerous times in my request that this account was not opened by myself.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

On XXXX, I started getting notifications that my card was being denied. I noticed that it expired on XX/XX/20, but I never recieved a replacement card. I did a chat with customer service on XXXX and they informed me my account was closed due to delinquincy and to call customer service. This card was never delinquent, not even a late payment. I had had it for four years with no problems at all. When I called customer service they said that I could apply for a new card but they had closed my current one - my guess is they wanted to charge me a higher interest rate rather than renew my current card. They said they sent notification of the closure but I never recieved a notification, they just cancelled my card for no legitimate reason. Again, I have online access so I could see that the card was current on payment and you could see the payment history where all payments had been made on time.