davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I've contacted this company regarding this account as my current report reflects that I've disputed and requested to be permanently removed as this account is not mines and placed on my credit report with this unknown company that I signed no obligations with.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX of XXXX, I lost my job and got behind in mortgage payments of {$830.00} a month. I called on several occasions and I kept getting the ride around. I still made a payment every month but was still in the rear. After a couple month, I received a letter stating I made to pay All monies or get foreclosed.
Consumer complaint received 2023-02-15
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. (MD)

I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET XXXXXXXX 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
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by TransUnion, which is a violation to my rights to privacy as a consumer. Furthermore, TransUnion exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and XXXX.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc. (MI)

I have been a victim of identity theft for several years and I recently contacted the Ohio Department of Education to have my information ceased sharing with any third party company. 

I have also filed a claim against XXXX  for the most recent data breach in which I was impacted and can be seen by my attachment. They sent me a response stating they do not disclose my information to third parties for marketing purposes, however I specifically asked to stop sharing all information regarding my account to third party vendors including by not limited to XXXX, XXXX, and XXXX  and was denied. 

My accounts are continuously being violated and all entities are soliciting me for paid services to " protect my identity '' although it has already been stolen and continues to be used for fraudulent accounts or applications that I did not authorize. 

I have used the security freeze option and fraud alerts that they provide however, when I am applying for any credit and have those things lifted. I am immediately hacked with someone verifying my information with the knowledge of my student loan history as a verification method. I would like to have a relationship solely with the Ohio Department of Education without them continuing to supply my account history, status or anything of the like with non-government entities such as XXXX, XXXX, and XXXX.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servis One, Inc., Titusville, PA Branch (NJ)

Spoke with XXXX at Bsi financial on multiple occasions about credit reporting and my payments being reported as late when they were on time when XXXX reported that it would be reported correctly when my modification was finalized. After my modification was finalized and payments were made on time I made multiple calls to get this fixed. To no resolution. Even after modification was finalized they continued to report my payments as not on time and have failed to correct that within a timely fashion. I have been dealing with this issue on both end since XX/XX/2018. I have never received a written response and received maybe two phone calls in reference to this
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IN)

I viewed my credit report and noticed I C System reporting a balance of {$640.00} which I do not recall which is reporting on my XXXX, XXXX, and XXXX credit file. Id requested which a letter documentation bearing my signature which I am entitled to if the company claims Im the owner of this account. With failure to provide me this documentation is in violation of the FCRA. And this item should be removed immediately.
Consumer complaint received 2016-06-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

My loan was sold ( again ) and serviced by Loan Care. This company is a nightmare, it is supposed to be a servicing company but they do n't provide any service. Recently I tried to log into my account to retrieve my statement ( I had signed up for online delivery ). Password resets and emails did not work so I called during the day. After significant attempts to reach someone ( there 's no option to talk to anyone ) I find out that their recent update made their website incompatible with XXXX. All the customer service rep would say is that I have to access through a PC. And his only solution was to email me my statement through unsecure email. He hung up before I could have the delivery changed to mail instead of a website I ca n't access. There was no mention of when it will be fixed nor any genuine concern or apology for their errors.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a XXXX XXXX. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?
Consumer complaint received 2021-03-24
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: Merchants' Credit Guide Company (TX)

After reviewing my credit report, I sent dispute letters to the credit bureaus in XX/XX/2021 requesting that the accounts showing for Merchants Credit Guide Company be validated and if it could not be validated that it be removed from my credit report. 

During their 30 day investigation time frame, I received two letters dated XX/XX/2021 from Merchants Credit Guide Company stating they were enclosing copies of the verification documents I requested and to contact them to make satisfactory arrangements. There were two additional documents appearing to be from XXXX XXXX XXXX XXXX which showed the DESCRIPTION as XXXX XXXX VISIT and appeared to be two bills. 

All four documents had different account numbers on them so it does not appear that any document included supports another. 

There were no contracts or signatures for the accused debts at all. A bill without a written signature does not validate the debts and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide Company has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.
Consumer complaint received 2015-08-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Account Discovery Systems, LLC (VA)

The debt collectors call and ask for someone that I have no knowledge of, in any way. I have told them they are calling an invalid number, but they have continued to call. I have advised them to stop harrassing me, but they say that I did n't tell them ( the person speaking ) personally so they do n't know not to call me. They are also harrassing my husband and he has told them the same, we do not know who they are talking about and ca n't help, stop calling. It 's been going on for months and they use different phone number, with no caller ID. Sometimes they 'll leave a message asking for this stranger, and we need to have him call them regarding an important file. They will not stop calling us.
Consumer complaint received 2023-06-09
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. (TX)

I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo sent me a letter about 3 years ago telling me I would receive a refund of {$7000.00} for the XXXX and fees that were over charged on my XXXX  XXXX XXXX XXXX XXXX never received my refund I did contact Wells Fargo and I was told my account was sold but Wells Fargo offed me a {$50.00}. check in with I did send back.
Consumer complaint received 2018-09-17
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: EQUIFAX, INC. (MD)

Equifax and XXXX was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. Equifax continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 Equifax forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. XXXX, XXXX state to contact the banks with no resolution otherwise.
Consumer complaint received 2023-06-11
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. (GA)

ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX XXXX XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/XXXX
Consumer complaint received 2023-06-10
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence
Consumer complaint received 2023-07-25
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: Nelnet, Inc. (VA)

The student loan debt listed on my credit report should have been discharged inXX/XX/2013 under Bankruptcy Case XXXX XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Consumer complaint received 2023-01-29
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that Synchrony Bank stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.

I never received a notice in writing from Synchrony Bank informing me that they were reporting negative information on my credit report.

Synchrony did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.
Consumer complaint received 2020-10-09
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. (NV)

I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. Thank you.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from Transunion Credit reporting.
Consumer complaint received 2023-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

I received a collection notice from Unifin , Inc. dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with XXXX. The debt was from XX/XX/XXXX and the balance owed to XXXX at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX Services.Both letters were dated XX/XX/XXXX and both referenced the same collection with XXXXXXXX XXXX and XXXX. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the XXXX account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with XXXX. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/2023 my debit card wasn't working and I went into my PNC Bank in XXXX, FL. and they updated the PIN number. After they gave it back to me, I went outside to the bank ATM to make a cash deposit and the ATM took all of my cash and my card and no reciept was recieved. I went into the bak immediately and they said they have to dispute it and I will not receive and answer or my money for up to 10 days if at all.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.
Consumer complaint received 2017-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (FL)

My account has been sold to a company, I did not receive information of the new policies, now they charge late fees, request extra payment if the customer wants to make a payment on line or by phone, for every transaction they want to charge, I did not received notification and they charge late fees for payment when I do n't even know about the new company.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have disputed wrong account information with experian, they have responded with unless you send us more information we would not investigate. On my behalf, I have send out release of judgement from spring leaf and I have specifically write on my dispute letter that such judgement is over 8 years old and according to experian spring leaf is still verify. I have disputed recent balances on accounts that have been closed and but financial institutions have close down for business but experian is still reporting it as verify. another accounts that are reaged but accounts sold to a third party are still been verify. Moreover, I have ask Experian for debt validation on collections accounts and they have fail to provide me with such information.