davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
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. (MO)

I have called Experian twice to report over 40 mistakes on my report, from incorrect addresses, social security numbers, names and collection accounts and only 5 of my disputes where processed. The second time I called was to complain that the gentleman I first spoke with didn't include all of the mistakes, I was on the phone over an hour and she did nothing to try to help me correct my credit report, even though she kept asking " And your next dispute? ''
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AL)

There is a dent on my credit reports for Calvary portfolio that I do not owe, I have disputed numerous times and contacted them numerous times for them to provide proof that this is my debt, however I have yet to receive any documents or a resolution. they continue to increase the balance owed every month on my report and no one will tell me anything about this debt
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

In 2015, while I was stationed in Alaska with the XXXX XXXX, I was given a directive by my chain of command and my commanding officer to move from my apartment in XXXX ( XXXX XXXX, where my " debt '' is allegedly from ) after my son was born, to which I gave notice to the apartment complex. 

We moved back onto XXXX XXXX XXXX XX/XX/2015, and my wife successfully closed out our apartment with the staff. 

We have been receiving telephone calls ever since from predatory collection employees, one of whom made threatening statements to my wife over the phone about damaging our credit reports, having 24 hours to pay the amount quoted to her on the phone, often from spoofed area codes mirroring ours.

To this day I have never received paperwork pertaining to this supposed debt, and I PCSed to another state two years ago. 

My credit report is otherwise immaculate, but IQ Data International had other thoughts, I suppose.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

Hello there, Recently I have been going through all my finances and my credit report, and it has come to my attention that Nelnet, my student loan servicer, has been reporting that I have had scheduled loan payments dating back to XX/XX/XXXX. This is incorrect because I received a letter back in XX/XX/XXXX in the mail, saying that my first payment was not until XX/XX/XXXX. I also went online to check my Nelnet statements, and for the month of XX/XX/XXXX and XX/XX/XXXX, it says the same thing. In early XX/XX/XXXX, I called for a forbearance which I received, so there is no mistake for the month of XX/XX/XXXX, but for the month of XX/XX/XXXX and XX/XX/XXXX, Nelnet has been providing false credit reporting. Because of this, my credit score has  decreased.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MODERN FINANCE COMPANY (CA)

I have a loan with MODERN FINANCE COMPANY. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and MODERN FINANCE COMPANY with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018
Consumer complaint received 2019-02-28
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: Harvard Collections, LLC (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.HARVARD COLLECTION IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXX XXXX  IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
Consumer complaint received 2019-03-03
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. (MO)

I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.
Consumer complaint received 2019-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hap applied for XXXX XXXX credit card on XXXX  2018 and received XXXX referenced letter. I did not have and still do not have any negative remarks on my credit report. I would like to have detailed explanation regarding why XXXX XXXX  did not approve my application and how I can solve the mentioned " unsatisfactory '' relationship. I faxed them the same request back in XX/XX/XXXX however they did not reply.I do have other credit cards and accounts. Kindly investigate and advise.
Consumer complaint received 2019-02-26
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. (NJ)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

I applied and was approved for the XXXX XXXX XXXXd on XX/XX/XXXX. I signed up because I had a 50,000 point welcome bonus after spending {$2000.00} in the first 3 months. I chatted with American Express on XX/XX/XXXX to make sure I was eligible for the bonus and the agent confirmed that I was and repeated the bonus that I signed up fo back to me. I paid the annual fee ( {$250.00} ), put over {$2000.00} of spend on the card. Then I chatted with American Express on XX/XX/XXXX to find out when I would be receiving my bonus. The agent tells me that I won't be because I am not eligible. Then I ask if I could get a prorated annual fee credit for cancelling. Nope! That is some major bait and switch. I never received a pop up saying I wasn't eligible for the bonus and an American Express agent even confirmed I was eligible after signing up. The agent I talked to on XX/XX/XXXX told me I would have had to cancel the card in 30 days to get an annual fee credit. If I would have known I wasn't getting the bonus I wouldn't have signed up for the card! Really shady business practice and false advertising.
Consumer complaint received 2020-12-13
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. (FL)

I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls.

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2019-03-03
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. (CA)

XXXX and TransUnion Credit Reporting Agencies  are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both XXXX and TransUnion are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

XXXX and TransUnion further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX  account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.
Consumer complaint received 2020-12-14
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. (PA)

I have disputed XXXX XXXX XXXX on my XXXX/XXXX/experian report a few times now. They are reporting different things to each Credit bureau which is a discrepancy. I have provided proof of this and I have XXXX/XXXX/experian to show proof of their investigation, not just the word of XXXX XXXX XXXX and I havent heard nothing back and when I do hear it something its oh its been verified which isnt possible since its reporting different dates and numbers.
Consumer complaint received 2019-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CO)

XX/XX/2017 Ditech Rep. told me not to pay so i could apply for LMOD, I applied 8 times, HAMP 4, HARP1, FLEXMOD 3 times, never revived an answer on any FLEXMOD applications, and the others it was always the same excuse, documents missing and I always re-sent them, my calls have been handled wrong and research department has never responded to my request for investigation, and please dont just send me to them, this is my 3rd complaint with you, also I wasnt served a motion to sell 120, so that i could plead my case to a judge, i until all my court summons run out to save my house that I have worked so hard for
Consumer complaint received 2019-03-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association (OK)

A Cashier Check of {$8900.00} was written to XXXX XXXX XXXX XXXX XXXX College on date of XX/XX/18. It was the amount own to the college. I looked at my credit and saw that I had a debt of {$10000.00}. I then immediately double checked with my parents and they confirmed it was paid.
Consumer complaint received 2019-03-03
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. (SC)

I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.
Consumer complaint received 2019-03-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I have a federal student loan with XXXX XXXX. In XX/XX/2018, my family and I started the process of buying a home. My loan was on forbearance since I had my son because I couldn't afford the payments and have been switching positions often since I returned to work after my maternity leave. Since I was on forbearance, the mortgage company wanted to see me in repayment, so I adjusted my account. When I did this, I was smacked with a {$55000.00} penalty. When I called to find out, I was told this was capitalized interest that was living in a bubble ( not sure what that means and it was not explained to me when I asked ). Since this happened, my payment went up, making it impossible for my husband and I to get approved for our mortgage on our own, so we thankfully had a co-signer. I tried to talk to the customer service people asking to speak with a manager about this and I was always given the run around. I now  have a higher monthly payment because of this penalty that I can not afford. I do not know what to do since my loan has ballooned so much due to high interest rates, having my interest capitalized and paying interest on top of interest. Every time I call to try to figure out my loans and get myself on a realistic payment plan I can afford, they just put me on forbearance, and this has been going on for 3 years now. I have become very stressed about this because I see no end in sight or solution and have started thinking of hiring a lawyer to help me.
Consumer complaint received 2019-03-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage is DUAL TRACKING my account. 

I have been applying for loss mitigation for over 1 year. 

I have provided all of my personal income and asset information, proof of residency, etc. 

At the same time they have hired and attorney to process a foreclosure. 

The documents that the attorney submitted to the foreclosure judge to get a summary judgement against me were falsified. 

The name of the Servicer is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

In XX/XX/XXXX I missed 4 mortgage payments due to loss of monetary contribution from my ex-spouse and slow in business revenue from my floral business. I called my lender XXXX XXXX ( now Bayview Service ) to ask for reinstatement but they refused. So in XXXX, I called XXXX XXXX XXXX in XXXX XXXX to help me with loan mod assistance. From XX/XX/XXXX-XX/XX/XXXX I got denied for the loan mods. I then hired XXXX under XXXX XXXX to help me stop foreclosure as well as appeal the loan mods. While we were in loan mods appeal and review, they sent me foreclosure letters with auction sale dates. They violated the law by doing Dual tracking foreclosure. My sale date was in XX/XX/XXXX then postpone to XXXX, then back later to XXXX. It was postpone only because I called them to ask where's all my documents I have sent them. Their excuse was that they can't find them. But that didn't stop them from stopping the sale. They harassed & left me with no choice but to file Chapter XXXX on XX/XX/XXXX. It is still under the court 's review. I don't think I can afford the payments under Chapter XXXX. I am not upside down in my house. There's still equity in my house but Bayview wanted to take my house away without giving me a chance for reinstatement or loan mod. Since my dad is the grantor and he's XXXX yr ( I'm secondary ), I really believe they discriminated against him because they believe he doesn't have much time to " pay back '', so they denied giving us any kind of assistance. They violated the Fair Lending act for discrimination based on age.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

This complaint is regarding Franklin Collection Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MS XXXX : XXXX Toll-Free : XXXX Client Services : XXXX Disputes : XXXX One Date : XX/XX/XXXX I sent an email to FRANKLIN COLLECTION SV at XXXX to address my concerns. The email read " I spoke with XXXX ext XXXX and he advised me to email you all that this debt is nonexistent and I do not owe your company or XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with a rep who informed me that I did not owe XXXX XXXX XXXX  anything. All accounts in my social were paid in full as of XX/XX/XXXX. That means your company is reporting inaccurate and misleading information on my credit report which caused my credit score to go down. Im in the middle of purchasing a house. That is an FDCPA violation and I will be filing a complaint. Please remove this account off of my credit report as soon as possible. If its not removed within the next 7 days I will move forward with an attorney '' Today is XX/XX/XXXX and the company has yet to remove this debt from my credit report. Instead, they have updated XXXX  and XXXX to say paid as if I paid the collection company themselves. I have never done business with this company and have written several letters asking for validation and verification that 1. I owe this company and 2. that I have ever done business with them. On XXXX, the collection is reporting unpaid so the information between the 3 bureaus is not even the same. This company is causing me a major financial hardship for I am trying to close on my home and can not due to the negative, inaccurate and misleading information they are reporting. I want the information removed
Consumer complaint received 2019-03-03
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. (SC)

Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in 2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called Experian and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.
Consumer complaint received 2019-03-03
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: Experian Information Solutions Inc. (MO)

I'm disputing these 4 unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX ( XX/XX/XXXX )