davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I made my XX/XX/2021 payment on the day that all of my loan payments have been due which is on the XXXX of the month. Ally financial reported this payment as 30 days late. I spoke with a customer service representative on the phone who confirmed that I made the payment on the correct day it was due but because the month of XXXX had 31 days in it I should have made the payment earlier instead of the day that it was due on. The customer service representative was extremely unprofessional on the phone. When I asked to speak with a manager I was told that the manager would tell me the exact same information and that I would be on hold for 35 minutes ; before I could even respond I was placed on hold only to be transferred to the incorrect department.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Back in XXXX Ordered a TV off XXXX for my wife in the nursery at the time, but it came damaged. XXXX sent replacement TV, and used my XXXX card for hold for advanced replacement. The TV was revived but the charge was not taken off the card. Contact XXXX was told it would be taken off, and told not to worry. I did not use the card after that and they closed it with the amount not refunded. I have contacted XXXX, the creditor repeatedly, disputed and fax MCM the info asked. They are continuing to change the balance and dates on. I have the return receipt from XXXX. The card issuer XXXX Card used has sold the unverified debt to a collection agency named Midland Funding and goes by MCM. MCM has been disputed, contacted and faxed all information on this but continuing to re-age the debt and amount. The balance was {$150.00} and has been turn in to {$460.00} and the date was XXXX has been changed to XXXX with it being open and late payment monthly. This is unverified debt that the original issue does not despite was inaccurate. 

Please I have been trying to rectify this but am being extorted to pay debt I dont owe or have this affect me financially by other means. Thank you for your time.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc. (TX)

My medical debt was paid by me on XX/XX/XXXX {$680.00} to Harvest Associates Inc and I received a receipt it was paid. Requested it to be removed from my credit immediately. 
Called my medical insurance company on XX/XX/XXXX and was told they paid the debt as well on XX/XX/XXXX {$650.00}. I requested a transcript of all medical payments for XXXX since I never received them. 
I contacted XXXX XXXX XXXX XXXX XXXX and was told they did not know how to retrieve the virtual payment online, per the associate. Per a three way call with XXXX XXXX to my insurance company. I was able to get the insurance company to stop pay and reissue the payment sent on XX/XX/XXXX. Did three way call again another 2 times for payment to be reissued. 
Faxed copy of payment receipt to XXXX XXXX XX/XX/XXXX. My Insurance company would not allow me to cancel a payment to be reissued. Had to come from XXXX XXXX. 
Tried to get my insurance company to make the payment to me on XX/XX/XXXX was told the XXXX XXXX XXXX billed them it had to be paid to them. 
I faxed XXXX XXXX copies of receipt from Harvest Associates payment on XX/XX/XXXX and XX/XX/XXXX. Did not receive any contact from XXXX XXXX until XX/XX/XXXX requesting payment and I explained the issue again. 
I received a text to pay the {$25.00} co-payment on XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX to tell them again the bill was paid in full to Harvest Associates and I will not be paying the {$25.00} co-payment until I receive a refund of {$680.00}. 
Per XXXX XXXX XXXX no one reported to them it was ever paid. Per XXXX XXXX they contacted Harvest, on XX/XX/XXXX was waiting on response. 
On XX/XX/XXXX XXXX XXXX sent them a copy of the receipt again and was told it had to be researched. Not sure why, its a receipt they provided to me on XX/XX/XXXX. Called Harvest on XX/XX/XXXX, to avoid this letter and was told I would get a call back on Friday XX/XX/XXXX or Monday XX/XX/XXXX with a refund status. The owner that cuts the checks will be out till Friday XX/XX/XXXX or Monday XX/XX/XXXX. No contact from Harvest. 
I feel Ive been a victim of fraud.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NC)

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.
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

In XX/XX/XXXX I went on unpaid FMLA for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance with XXXX XXXX XXXX. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every XXXX weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to First Midland Mortgage. When I reached out to Midland Mortgage they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.
Consumer complaint received 2023-04-18
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I already reached out to the EQUIFAX and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$6200.00} ; XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX  XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$580.00} ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX XXXX XXXXCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1400.00} ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$850.00} ; XXXX XXXX XXXX XXXX Balance {$23.00} ; XXXX XXXX XXXX  Date opened XX/XX/XXXX ; XXXX ; Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as '' validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Experian states I owe {$1.00} on an account starting with XXXX with XXXX XXXX XXXX. I paid that account off and they still show me owing {$1.00}. It is paid in full and therefore should be removed and status should show paid.
Consumer complaint received 2021-07-15
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. (PA)

These are unauthorized inquires on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave Transunion any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.
Consumer complaint received 2022-04-27
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: LEXISNEXIS (PA)

Lexis Nexis has knowingly and without lawful authority stolen my identity, created a profile with my likeness and produced an item under the guise of " predicting risk assessment ''. They have proceeded to furnish this information to various entities all while profiting tremendously. As a consumer, I am aware of there being no statute of limitations on fraud. How is this fair and equitable to me as a consumer? I am also aware of various laws in place to protect me as a consumer. These fraudulently created and furnished reports contain my social security number. I am sure Lexis Nexis does not have the required forms provided by the XXXX : XXXX No. XXXX or XXXX  XXXX signed by me in their possession. All of the fraudulent information they have produced and provided under the guise of being me has caused me severe financial harm and stress and injury. I am looking for remedy immediately in the form of check totaling {$7500.00} made payable to me within 10 days.
Consumer complaint received 2022-04-27
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. (NC)

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. Please see attached documents and ID as it contains my full complaint and requests
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (FL)

I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FLXXXX XXXX XXXX XXXX XXXX FL, XXXX , I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank stopped sending me paper bills. I do not do online payments. Never have. I started not getting bills, once a new card was issued adding my husband. I started in XXXX getting emails, stating account was delinquent. Made numerous calls requesting a bill. In XXXX, I requested and finally go a paper bill... We paid the entire amount. Now, in XXXX, I get a notice stating we owe {$1200.00} I requested a paper bill yet again, on XX/XX/XXXX. They said they can not give full bills... Just the delinquent payment. I have requested that this account be closed, back in XX/XX/XXXX and have since destroyed the cards. I need to see if someone is using this card because it is not us. We were hacked back in the fall of XXXX and I want to make sure this is not part of that incident.
Consumer complaint received 2024-11-11
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-10
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. (VA)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-03-04
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. (TN)

Equifax and XXXX  are in violation of deleting several accounts ; then add the same account back on my credit report. I dispute my these accounts, and Equifax and XXXX were not able to verify the information. This accounts were detailed, and they added back on my credit report. 
1. Validate inaccurate/reported late payments XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 2. XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 3. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 4. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 5. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 6. 
Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

TransUnion Credit Reporting XXXXXXXX Credit Reporting XXXX  Credit Report All these agencies have negative/inaccurate information on my reports. 
Addresses where I have never lived. 
Names I have never had. 
Inaccurate information or old information that has never been removed. 
Transunion says not enough information to generate a credit score. Which negatively impacts my lack of score. 
None of them report the same information and you can not get the changes made to the reports. This has interfered with my ability to finance a home and purchase vehicles in my name. 
Also the score the banks get and the score the consumers are all different so what are consumers to base their information from. This entire credit reporting system needs to be over hauled. 
This is causing consumers too much money or denial of financing due to inaccurate reports of the XXXX major companies.
Consumer complaint received 2022-03-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.