davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

I have  a   XXXX   XXXX   XXXX   hom e in  XXXX , CA and     XXXX     contracted with sub-servicer  AmeriNational  to handle my monthly payments. Due to job loss in   XX/XX/XXXX , I e nded up behind in payments. Back on track  in  XX/XX/XXXX , I re started making regular monthly payments - accepted without incident- until     XX/XX/XXXX / XX/XX/XXXX   when I received a letter from AmeriNational seeking a total of $ 23+K as an outstanding balance for one month  in  XX/XX/XXXX . I rep lied. We went back and forth. I asked for a loan modification. They sent an application. I completed it then returned it. They responded that they needed  by  XX/XX/XXXX  tax returns but a t that time I had not filed. In lieu, I sent in all the employment info/paystubs I had and when I did file  XX/XX/XXXX , I sent in copies. From there, everything went dormant for a couple months and no one from  AmeriNational  would tell me what they did with my app and why it was never processed. I filed a consumer complaint. The company 's rep responded online and said that they 'd resend another app " but it did n't mean I 'd get it ''. Never received it. I continued making monthly payments. They were received without incident. In   XX/XX/XXXX  , they sent that month 's payment back. Said they only wanted my defaulted payments. We went back and forth and I still sent in monthly payments. In   XX/XX/XXXX  , they retur ned  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  but not  XX/XX/XXXX .  Do n't know what happened to it. In the letter attached to those payments, they asked me to stop making payments all together. Shortly before this happened, they 'd referred me to HUD. I do n't have a HUD loan ...  .. H UD  's  site says " if your servicer asks you to stop payments that that 's illegal ''. I 've asked AmeriNat several times -in writing- if they partnered with any agency who can help me. I wrote to HUD. In their response, they indicated that my mortgage is n't FHA so I 'm not sure how AmeriNat categorizes it. I wrote them and asked what they did with all the other payments I 'd made. They wo n't say. They sent me a copy of a USPS receipt for mail they sent but my signature is n't on the form b/c I did n't receive anything. I told them this. No response. Along with that copy was a printout that I could n't even digest. They also wo n't say why they just wo n't move this defaulted amount to the end of my loan. I 've received letters from at least 4 different people in this company. At  one  point during  XX/XX/XXXX , they emailed that they 're no longer AmeriNational, they 're AmeriNat. This was after I wrote that I intended to report their activities to their executive  Board ( thos e identified on the AmeriNational website )  XX/XX/XXXX  says they do n't get involved. Just want to keep my home.
Consumer complaint received 2022-07-18
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. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2021-11-29
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: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response. I feel like I am being taken advantage of and ignored of my disputes. I am requesting you send me any signed contracts and or proof that this account belongs to me or I am demanding you stop verifying false information to the credit bureaus. I am also demanding these accounts be deleted immediately from your database as i have no recollection or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-04-23
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: M&T BANK CORPORATION (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

Collection opened XXXX XXXX Contacted CMRE Financial Services via phone, email, and sent letters, asking for validation of collection. 


I was not sent anything. 

They said they sent a medial bill. I was never seen at XXXX university XXXX as stated. 

I live XXXX hours away from XXXX, I do not go to XXXX.
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (FL)

The National Recovery Agency is continually harassing me about a debt that is not owed and that I have already sent them proof of having been closed and paid. It was my account with XXXX when I lived in XXXX. I moved to XXXX  and paid my XXXX bill in full and closed the account when I moved out of state. This company National Recovery Agency has harmed by credit by putting negative information on my credit report despite my having repeatedly telling them that the information they have is inaccurate and wrong.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I signed an exclusion policy with XXXX to seal my house from potential rodent infestation in XXXX, XXXX. The work was started, but never completed. The work that was done was minimal. I made numerous attempts to contact the branch to resolve the issue. The charge was for {$1200.00}. After receiving no response from the company, I disputed the charge with my credit card company. XXXX responded by saying I had not given them the opportunity to resolve the issue. I responded to my credit card company with a letter that layed out all of my grounds for disputing the charge and the lack of response from the branch. A copy of that letter is attached. A couple of weeks later, my credit card company informed me that the XXXX branch accepted my response and would no longer pursue the charge. But I began receiving bills from XXXX for that work that was never done. I tried to contact the branch, but never received a response. After several calls to the national XXXX customer service department, I finally received a call from XXXX XXXX, who identified himself as the branch sales manager. After explaining everything to him, he promised to cancel the bill. After receiving another bill for the work that was not done, I contacted XXXX XXXX via email on XX/XX/XXXX. He said he was working on the matter and would " let me know ''. Much to my surprise, I received a letter from Nationwide Credit , IncXXXX attempting to collect the debt. I have responded to them disputing the debt. But this is now on my credit report. I have and have always had Excellent credit history. I am retired and feel I am being treated very poorly. Can you do anything about this matter? I don't know where else to turn. The address of the XXXX branch is : XXXX XXXX XXXX, XXXX, CA XXXX. The address of the debt collection agency is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc (NC)

PayPal , Inc. does not send the refund payments that are sent to PayPal by merchants to PayPal CreditXXXX XXXX in a timely manner. 

This causes the customer/consumer to file a " dispute '' not knowing that PayPal , Inc . 
actually has received the merchant refund credit but has not forwarded the refund/credit paid by the merchant to PayPal Credit or XXXX XXXX  XXXX 

This causes a lot of headaches. I simply hate/despise using PayPal, Inc./PayPal Credit because of all of the confusion and miscommunications. It is simply horrible. 

XXXX XXXX has sent PayPal, Inc. a number of refunds/merchant credits that have not been forwarded to PayPal Credit . Not knowing this, I have had to filed disputes unnecessarily. 

XXXX refunded PayPal, Inc. the total refund for order placed on XX/XX/2023 but PayPal , Inc. has not notified PayPal Credit and a dispute was created. 

Also XXXX had refunded PayPal, Inc. almost {$120.00} on an order of {$170.00} made XX/XX/2023. I did a dispute. 

This process with PayPal , Inc. is horrible, inefficient, does not communicate with PayPal Credit, and is not worth the time, energy, and headache..

PayPal 's lack of record keeping and working with PayPal Credit causes the consumer to be upset with the merchant and PayPal Credit needle
ssly when it is the fault of PayPal , Inc. itself. 

If I was XXXX XXXX I would stop doing any business with PayPal as it causes too much conflict.

When PayPal , Inc. was simply PayPal, things were much better.
Consumer complaint received 2023-04-23
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information
Consumer complaint received 2023-04-23
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. (MA)

I recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

XX/XX/2023 XXXX EST Amount = {$570.00} Seller advertised concert tickets on XXXX. After agreeing to a set price of {$550.00}, we exchanged PayPal information. At this point, {$550.00} was transferred via PayPal to the seller. After numerous texts to have the tickets transferred, they asked for a " show merch-fee '' of {$200.00} additional. Seller was reluctant to transfer tickets until the {$200.00} dollars of additional fees were sent. At this point, we believe this activity to be very suspicious, therefore, I contacted both XXXX XXXX and PayPal to stop payment as we never got what was advertised. Subsequent, seller was contacted on numerous occasions to cancel transaction, but I never got a response and was ghosted.
Consumer complaint received 2024-02-13
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 urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

A lawsuit was made recently against wellsfargo which I strongly believe i was part of the customers who were wrongfully charged fees, i had addressed the problem with the bank in the past. When I found out about the settlement wellsfargo was no help in telling me if i was included in that. I explained that if I had received a letter then it was likely i thought it was junk mail and threw it away. I requested it be sent again and they said that was not possible
Consumer complaint received 2022-07-18
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. (MS)

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-05-28
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. (LA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (NY)

I originally received a loan from XXXX I was given XXXX up front and have a XXXX bye weekly payments, I had a little over XXXX left to pay off and then have access to the XXXX. I paid off the loan a week ago and they will not let me take my XXXX because of some process I was unaware of. I originally got my loan from XXXX  about 7 months ago XXXX sold the company to sst now I cant access my funds until they deem it on. So I ask that all the interest my money is gaining by sitting in the bank am I going to get he told me no me building a savings account is for me not you. So now I paid them interest on the loan and now my money is sitting in the bank gaining interest for them because they wont let me access it til they deem it ok. I have guys name and badge number that pretty much told I have to wait
Consumer complaint received 2023-04-22
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. (CA)

XXXX XXXXXXXX XXXX reported XXXX on XXXX XXXX that I have no knowledge of and reporting company would not send me original debt verification letter. According to section 15 u.s.c 1681 [ a ] states that no consumer reporting agency can report false or incorrect information on my credit report.
Consumer complaint received 2021-03-30
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: First Financial Resources, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... FST FINANCIA  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-18
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)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing of EXPERIAN. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act Experian is required by law to remove account XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} which is found to be opened due to identity theft.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

" XXXX " Medical Revenue Service has refused to present me my HIPAA AUTHORIZATION for acct XXXX. 
Medical Revenue Service has violated my HIPAA rights. This account must be immediately removed from my credit report or I will sue!