davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-07-17
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. (AL)

In accordance with the fair credit reporter act conversion XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

I made my first request for a refund of payments made during covid on Monday, XX/XX/XXXX. The representative stated that because I had paid off the loans during covid, and they did not have a balance on XX/XX/2022, they would not be eligible for forgiveness even with a refund. I have come to learn that this is not true as their origination date is far earlier, XXXX. 

FedLoan Servicing needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled. These refunds are taking up to 150-200 days with no email or paper trail confirmation. I was not provided with a confirmation email, and anticipated dates, and was led to believe the loans may not apply for forgiveness. Many people are getting their refunds much faster with other loan providers, but Fedloan Services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about FedLoan services. HELP US PLEASE
Consumer complaint received 2020-05-01
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. (IL)

I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

My Credit report shows : " Paid. Closed. '' XXXX This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, XXXX ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX  XXXX XXXX M Th XXXX XXXX   XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

After watching an infomercial on TV about credit and how it is important to check it regularly, I decided to check mine even though I rarely use it. I discovered an unknown account on my credit from a company called Enhanced RecoveryXXXX it says its for XXXX. I have had XXXX XXXX XXXX for the past 10 years and I have never had an account with XXXX. I don't know where they- Enhanced Recovery get their data from but this is far from the truth!! I have also loved at my address for 10 years and I have never received a notice or call from them. I feel like my rights have been violated. I have sent them a dispute notice and I have yet to hear back. I know the pandemic has slowed things down a bit- I get it- but the account should have never been placed on my credit in the first place. 

ENHANCE RECOVERY ACCOUNT XXXX
Consumer complaint received 2022-07-17
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)

There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies Experian, XXXX, and XXXX, regarding the following accounts, 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. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc (NC)

Flexshopper charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. 
I am not a small lady, nearly XXXX ft, but I am no match for the goons they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. 
Anyway the " goons '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.
Consumer complaint received 2020-05-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (FL)

My wife and I entered into an agreement to buy a home from DR Horton. They recommended we use DHI Mortgage company for the loan. My wife and I were both on the application and got pre approved for the mortgage. Since it is new construction it has taken some time for the home to be built. It is not ready. When the covid-19 pandemic hit my wife lost her job with XXXX and is currently not making any money. My credit score has taken a significant hit as well. I have reached out to  XXXX from DHI on numerous occasions through voice mail but she will not return my calls. The last email correspondence was on XX/XX/-20. Therefore I went to another mortgage company to inquire about the possibilities of going through them instead. I was told that my credit score is to low to qualify and was denied. I gave the realtor the denial letter to submit to DR Horton so that we could get the {$5000.00} binder returned since we don't qualify for the loan anymore. They in turn terminated the contract for the new home but refuse to release the binder to us claiming we breached the contract which is untrue. The truth is we no longer qualify. I called DHI yesterday and spok with XXXX who is the manager and XXXX 's boss. I requested either an approval letter from him or a denial letter. I have received neither. He was supposed to email me last night about starting the process but I heard nothing from him.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am paid automatically the same day every month by the US Government. This pay is guaranteed for my lifetime due to my combat service and non taxable. I have never had a negative mark on my credit history until this incident with Capital One. This past year the government made a clerical error at no fault of my own and withheld money in the spring of XX/XX/2018 and then again in the winter of XX/XX/2018. I received no notifications that I would get no pay prior and had to wait both times for the government to process a refund. During the last payment interruption I contacted the credit company to notify them of the government shutdown. They agreed to waive the late fees and I made a payment of {$10000.00} as goodwill to show my credit worthiness. I was told multiple times on different occasions by creditor that I would not be receive a mark on my report for payment. In XXXX they reported I had been 60 days late on payments although we had agreed to the payment waiver. I formally disputed the report and then they changed the report to 90 days. I formally disputed it again to no avail. I have called the company three times to voice my concerns and communicate these errors with Capital One and they will not offer any assistance or accept the official documents from my bank account, Department of Defense, or Veterans Affairs that prove the validity of my income, missed payments, and claim. 

I used this company specifically for the benefits of travel points they advertised. Capital One is taking advantage of XXXX veterans and servicemembers that have guaranteed income. I would have never used this company if I had known they would not cover government pay hardships that are formally documented.
Consumer complaint received 2020-05-01
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. (OH)

On XXXX I mailed to Experian their Dispute for identifying multiple errors. The first is an incorrect phone number. It is off by a digit and XXXX  agreed with me on an identical complaint to them and corrected the problem. Second, Experian has an incorrect spelling of my first name ; they have a version as XXXX, which leaves out the " r ''. XXXX  and XXXX  do not have this misspelling. Experian has two mispellings of my eployer 's name, a law firm. In one example they run together names without spaces between them and do not capitalize the names and do not have the full last name of one named partner ; In another they do not list all of the names of the named partners. During my employment the firm names have been : XXXX XXXX and XXXX ; XXXX XXXX XXXX and XXXX, another name with multiple names partners and, currently, XXXX XXXX XXXX and XXXX. Experian assigned a case number to my dispute, XXXX and by an undated reply, probably XXXX, denied my dispute. This is mind-boggling and evidences an historical and on-going inability or unwillingness to deploy care and attention to information. Now Experian has added insult to injury. Their response to me adds a new mispelling, of their own making. They now have my middle name as XXXX instead of XXXX. I now have located yet another Experian mistake which surfaced as I tried to create an account for myself with the IRS. As the IRS bases personal identification on what Experian lists and as that information is incorrect, the IRS, on line, would not recognize me as me. Experian has an icorrect number for my current mortgage account number. First they do not list all of the digits in the account and second, they have an incorrect digit. As Experian does not show all of the digits of the account number, they may well have additional digits with incorrect numbers. If I were a betting man, the good bet is additional errors.
Consumer complaint received 2020-05-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA (WA)

For the past 10 years I have paid FedLoan {$710.00} per month, on time without any delays or missing payments. Every month they would email me reminding me that my payment was due. I called them and asked them why they need to keep reminding me when my account is in full compliance, they told me they would stop, but the reminders did not stop. When I talked to them asking them why they were not forgiving any of my debt after working in a XXXX XXXX school for more than 5 years, they told me that I was signed up for the wrong forgiveness program. Again, completely misguided by them. When my loan was very nearly paid off earlier this year I did not get a bill in the mail as usual, but instead I got a Paid In Full letter. I was relieved, but then the harassing phone calls and emails began again, telling me that my payment was late, and a collection agency would be called, even though it had been less than a month past due date. When I would call them I would need to talk to several people due to the rudeness of the people attending to my account. FedLoan has been completely unhelpful, discourteous, and unprofessional in assisting me over the past ten years of payments. It has been a terrible experience ; the worst ten years of my life. FedLoan is a greedy, shameful institution that I recommend people stay clear of.
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (VA)

I scheduled a payment plan to pay {$150.00} on XX/XX/30. On XXXX, they took that payment and an additional {$1100.00} from my account. Taking my entire stimulus payment and leaving me in the negative. My rent check bounced and my other utility payments that I had set to clear the first week of XXXX will also bounce. XXXX XXXX XXXX  ... we cant do anything, call your bank. Ruthless predators that are taking advantage of people during a pandemic.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NY)

Bridgecrest Financial - Acct # XXXX In approximately XX/XX/XXXX I was struggling financially to maintain my car loan after contacting the car company with a 91 day delinquency they informed me that my loan was charged off and if I wanted to keep my car a XXXX XXXX XXXX I would have to pay them {$1900.00} to keep the car and {$480.00} per month after that no later than the XXXX of the month. 
I have maintained this agreement until recently when I lost my job due to COVID-19 & a work slow down at my employer. 
My complaint is that on my credit report this loan shows as charged off and none of my payments have been noted or deducted, this account being inaccurately reported is having a negative impact on my credit life and it is causing me a great deal of stress and negatively affecting my ability to obtain new credit, a mortgage and new jobs. 
I have made contact with Bridgecrest and asked for a credit bureau update or correction and they informed me that nothing will change until the loan is paid in full. 
Please help me if possible looking for the account to show Im current since I have been paying the loan.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AL)

On XXXX I called Franklin, I had to email them to get permission for my negotioator to speak with me on the line in writing. After she did this I was emailed back and so was she telling us to call the servicer. 
On XX/XX/22 I called the servicer for Franklin XXXX XXXX XXXX XXXX XXXX ) to see if I could settle the {$830.00} medical debt it shows owed on my credit report. I spoke to XXXX XXXX at XXXX and she told me I owed {$1800.00}. I asked her if she had been mistaken as this is over {$1000.00} more than is shown on my credit report. She say it was because of interest and other costs. They are posting {$830.00} on my credit yet demanding {$1800.00}. This can not be legal. I have received nothing in the mail about this as they didnt even have my correct address on file prior to this phone call.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There is inaccurate information that keeps getting " verified '' by equifax. Portfolio Recovery is reporting negatively and its paralyzing me from moving. Portfolio has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called XXXX  to mail them the letter of proof from portfolio but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! XXXX  HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone