davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (FL)

This dept was previously disputed on CFPB website on XXXX18. The original debt collector was XXXX XXXX XXXX, the debt was then removed from my XXXX credit report however, it was recently added back on to my XXXX Credit Report again from a NEW debt collector " Sourcerm ''. 

Sourcerm NEVER made any attempts to contact me. I only found out about it when I logged onto my XXXX XXXX account a few days ago.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Nelson and Kennard (CA)

I became a victim of fraud and embezzlement by trying to help a supposed friend/partner XXXX XXXX scam ) who claimed to be in the military and said he did not have access to his own money to pay for storage security ( of {$1.00} in gold bars ) and XXXX customs XXXX This covers a time frame of XXXX 2020 to current, and involves 4 banks ( one of which has cleared my account in full and sent a check to me for fees paid ). I have a number of promise notes from the suspect 's attorney but none of them paid me back. I spoke to my pastor in XXXX 2020. It was then I realized that I was scammed. I filed a police report, FTC report, and National elder abuse report all in XXXX of 2020. I have sent a number of faxes to all four banks to show that I was a victim of fraud and embezzlement. Two of the banks have now turned over the issue to a debt collector. My only income is social security.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have tried to fix the way my additional payments are applied several times with this company. I can never pay down the principal balance because ALL of my payments are going towards interest. I also NEVER signed up for the weird graduated repayment plan that I just realized I am on, and I am being charged more interest for this. I pay my regular payment monthly, plus additional. Every payment is going to interest only. This is not ok. 


XX/XX/2020 - {$140.00} {$23.00} - applied to principle {$110.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$140.00} {$0.00} - applied to principle {$140.00} - applied to interest Again, I pay on time monthly without fail. This is so wrong in so many ways. Ethically it is almost criminal.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Franklin Collection Service, Inc. (GA)

Franklin Collection Services sent me a letter dated XX/XX/XXXX, of which I did not receive until XX/XX/XXXX. Upon receipt of this letter, I immediately sent them a letter asking for them to validate this debt as indeed belonging to me and that I truly do owe them money. After this letter, I did not hear from them again until XX/XX/XXXX ( letter dated XX/XX/XXXX ) where I again sought debt validation from them. I finally received a letter from them ( see attached ) where they are stating that I requested a final bill. I DID NOT REQUEST A FINAL BILL FROM THIS COMPANY. MY LETTER ( SEE ATTACHED ) SPECIFICALLY STATED THAT I WOULD LIKE A SUMMARY OF ALL ACCOUNT ACTIVITIES, INCLUDING PAYMENTS MADE, LATE CHARGES, AND DATES OF CHARGES POSTED, COPIES OF SLIPS INVOICES, PROMISSORY NOTES AND ALL OTHER DOCUMENTS PROVING MY INDEBTNESS, COPIES OF ANY PAPERS THAT SHOW I AGREED TO PAY THEM WHAT THEY SAY I OWE THEM AND THAT THE PAPERS BEAR MY ORIGINAL SIGNATURE. Per the FCRA, I have a right to dispute and request validation for any item on my credit report. This company is reporting this account on my credit report and they DID NOT VALIDATE IT AS MINE ; THEREFORE THIS ITEM MUST BE REMOVED FROM MY REPORT.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Richard Sokoloff, Attorney At Law (NY)

XXXX XXXX I contacted XXXX XXXX at the number XXXX that left attached to the order he used to gain access to {$5300.00} on XX/XX/22. 

The person that answered the call tried to make me believe that she did not know why I was calling and asked for my sons name ( XXXX XXXX XXXX XXXX ) and has nothing to do with this. 
Then after she acted out her role of not knowing why I called, she then tells me about the attempt to collect a debt. She gave me a name, XXXX XXXX x XXXX would be handling my case, the person then asked me for an index number, I told her an index number would be on a court document which I don't have and don't know why money was taken out of my account. The woman said she would transfer me to XXXX XXXX, and then the call ended, as if I was hung up on. I call back and get the voice mail of XXXX XXXX, I left a message that I called to request that my money be returned to my account. It was taken illegally and want it back now. This occurred at XXXX : XXXX XXXX  today XX/XX/22. It is now XXXX : XXXX as I propel my claim again, against XXXX XXXX. I did not receive a call back from this office at all today. In addition, I called my bank to get more information and was told that there was no Index number attached to the legal order. 

I'm caught in this web of XXXX XXXX and associates while he continues to scam people and also scam community agencies with legal jargon and what I now believe is false court documents. He makes it a habit to come after me, and it's seems like it always around the holidays, I'm not sure if he has other stakeholders involved in his money scheme but it really has to stop. How many bills is he going to accuse me of owing and the timing of his actions are unsubstantiated and could not be in a collective state. 
I keep track of my bills, and maybe he thinks I don't know that and tried again to surprise me with made up cases.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing this letter requesting that my file be removed from the consumers affairs department. I was informed by the consumer affairs department that the reason I'm in that department is due to an issue that occurred in XXXX. Due to the timing and the fact that it has been long been resolved.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX XXXX XXXX XXXX charged me {$110.00} for a membership renewal twice ( XXXX for mine, XXXX for my husband ) so XXXX separates transactions of {$110.00} totaling {$230.00}. On their policy states that a refund can be requested within a certain amount of time from the renewal date and I submitted a request for cancellation and refund within those days. XXXX accepted my request and issued refund for both transactions and sent separate emails with different confirmation for both refunds. 

I received credit for XXXX on my american express card but not the other. XXXX states both refunds were processed and American Express says XXXX was issued and the other one they have a confirmation but not a refund. I disputed this charge for a few months and American Express says nothing they can do. XXXX states refunds were issued to american express. So I was charged from Amex with a late fee and interest on this charge while they told me that I wasn't going to be penalized while the dispute is under investigation. Yet I was charged, as they state that my dispute was closed on XX/XX/XXXX while unresolved and I didnt receive notifications. Meanwhile, I have an email on XX/XX/XXXX that my dispute was resubmitted and that I wasnt going to be penalized until it was resolved. 

I had to pay the charge to AMEX and close my accounts. Meanwhile I didnt receive my money back and I did not receive services from XXXX XXXX.
Consumer complaint received 2022-07-12
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. (IL)

I am a victim of identity theft I did not authorize the inquiries listed below. I tried contacting Trans Union but they keep sending bogus letters back saying they are not removing and to contact the creditor. I contact the creditor and they tell me they can't talk to me because I didn't authorize them and to contact credit reporting companies. This is going back and forth when by law pursuant to section 605B of the Fair Credit Reporting Act Trans Union is required to remove them. That is why I am filing this complaint. 

The information listed below appears on my credit report, but I did not make or approve of these inquiries. This happened because of identity theft. Please BLOCK the information.

Thank You! 

Fraudulent Inquiries to be deleted XXXX XXXX XXXX Requested On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Requested On : XXXX. XXXX, XXXX XXXX XXXX XXXX  - Requested On : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (AL)

I exercised my right of rescission due to non disclosure of my right to rescind pursuant to XXXX XXXX XXXX, along with violations of : XXXX XXXX XXXX XXXX XXXX XXXX ( c ) XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which were included in the " AFFIDAVIT OF TRUTH '' which was mailed via registered mail on XX/XX/2022 # XXXX and received on XX/XX/2022. TRUIST has yet to comply the lawful effects of my rescission.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (CA)

So I sent a letter off on XX/XX/2022. My tracking number is # XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act XXXX XXXX XXXX. I have the right to privacy. Also according to XXXX XXXX XXXX. No financial institution is suppose to share my information to XXXX party people. 

These are a clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-12
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. (CA)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AZ)

On XX/XX/20, I received a statement amount of {$130.00} from collection agency XXXX XXXX. This bill was generated from XXXX XXXX  which contains the {$40.00} amount for XXXX XXXX as well. I made the settlement payment of {$100.00} on XX/XX/2020 with XXXX  XXXX. I thought this matter was resolved until XXXX sent a " final bill '' of {$40.00} to a third party collection Agency entitled Sequim Asset Solutions in XX/XX/2020. I already paid this final bill and XXXX  XXXX can validate this payment. I am requesting that XXXX follow-up with the collection agency and cease attempting to retain this alleged {$40.00}.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

received a letter that said welcome to XXXX financing - only problem... i did not open this account - someone else did under my social security number. received the letter today- monday, XX/XX/XXXX and no credit card was issued, only received a letter
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2022-08-06
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. (GA)

I have sent letter to all 3 Credit Bureaus Experian XXXX XXXX In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Experian XXXX # XXXX ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX ( XXXX & Experian ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX  XXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus )
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MCS MORTGAGE BANKERS, INC. (MI)

Lender XXXX XXXX Branch Manager and Business development NMLS # XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA promised me loan was approved gave me numbers and told me not to worry dont pay the next two house payments my appraisal came in then he changes his numbers added extra fees and basically treated me like a pile of XXXX honest to XXXX i have never felt be little before. I went to another lender. He continued to harrass me calling me ongoing day and night bribing me with changing the numbers basically threatening me if didnt go with his lending company ask him nicely to sign off on my appraisal that i paid nearly XXXX for. He has been doing nothing but stalling. I am so fustrated at his professionalism, which has been none. I was underder the impression u canchoose and have he choice of a leder which you choose I have asked him nicely repeatedly for the documents my new lender requesting tell me he does not wan na waste his time if not going with him. I have several voice message i saved several emails too many too send would have to make a file and send everything ut has been a horrible esperience with this guy. No one shoudl be treated like this Then proceeds to tell me how he is paid and doesnt make money off me XXXX this is rediculous i told him several time i am not doing my loan with him all i want is for him to sign off on my apprasal so i can use iit. he has not only made me late on my mortgage payments he has put me in a finacial hole along with lying and bribing and to tell you the truth i am sick and tired of it please help
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a text message from what appeared to be Huntington Bank asking me if I had authorized an {$800.00} XXXX payment to someone named XXXX XXXX I was prompted to text Yes or No if it was an approved XXXX payment. I texted No and then received another text saying the Fraud Team would be calling me. I received a call from a man claiming to be XXXX XXXX. He said there were two XXXX transactions, one for {$800.00} and one for {$700.00} totaling {$1500.00}. I was at work preparing for a meeting and wasnt paying full attention but The number the guy was calling from showed up as Huntington Customer Service number listed on XXXX so I thought it was legit. He said that my account was on hold and he needed to help me get my money back by sending a XXXX for {$800.00} and another one for {$700.00} under my name. He said he needed my user name and password since the account was on hold and hed help with resetting the info, I let my guard down since the phone number matched XXXX and unknowingly provided this sensitive information and he walked me through how to XXXX myself the money so Id get it back. He said it was going to his managers phone number XXXX and his managers name was XXXX. I did as instructed and he said to hold a minute then disconnected the phone. I called and filed a dispute with a digital rep at Huntington named XXXX. I told her I did not authorize these payments to anyone and was told by this person whom I thought worked for Huntington the {$1500.00} was going to be back in my account soon. XXXX processed a dispute number XXXX and told me go to the branch bank and cancel my checking account to get a new one which I did today. I was told by XXXX it would take 10 days to here back from the Fraud team and possibly up to 45 days. She said normally the bank issues a temporary credit in 10 days however, the bank can deem me at fault and take the money back. This is no different then someone fraudulently charging my debit card in my opinion but the bank rep I talked to at the branch said theres a slim chance I would ever get my money back. I spoke with another digital rep tonight at Huntington named XXXX who said I have about a 30 percent chance for getting money back. This is totally not fair. I swear the guy on the phone claiming to be XXXX XXXX with the Huntington Fraud Team sounded legitimate and totally fooled me into believing he worked for Huntington. Please help me to get my {$1500.00} back! Thank you.
Consumer complaint received 2020-11-27
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: Colony Brands, Inc. (FL)

On the XXXX of XXXX, my credit was pulled without my consent, while I've already had my credit line with them for over a year. This caused a hard inquiry which dropped my score. I called the company ( XXXX ) and gave me a runaround, ultimately advising me to call the bureau to dispute it.