davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

A collection agency called Diversified Consultants out of Florida keeps placing a collection on my credit file for an XXXX XXXX account. It doesn't show a balance or a date. They have done this twice in the past and I have gotten them to remove it because I've never had an att uverse account. I had XXXX internet years ago that I dont owe anything on. I paid the account and returned the equipment ( which XXXX lost and tried to bill me for and I had to provide a tracking number ) I dont owe any XXXX XXXX  account. I'm trying to by a house and about to close and now they stuck this fraudulent collection on me and it will cause me not to be able to close and cost me thousands in appraisal and inspection fees. 

Please.for the love of God do something about these rouge companies doing whatever they want to collect money and get commissions. They monitor credit inquiries and slap collections on right after as a ploy to force people to pay.
Consumer complaint received 2024-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

The Studen Loans I am paying back were under XXXX. These loans go all the way back to 2007. XXXX mis led us on deferments and forebearance. Loan principal amount has hardly gone down over the past 17 years, currently at {$23000.00} As XXXX was getting banned from servicing student loans due to deceptive practices, they transferred my loans to another servicer, MOHELA. Nothing changed, principal still does not go down I believe this was a deceptibve if not illegal transfer to another student loan servicing company so XXXX could get around the court ordered ban. The Biden Administration was forgiving millions of student loans while I am still getting cheated by a 8.5 % interest student loan balance that never gets reduced. I am ready to file a lawsuit against XXXX and Mohela if I can not get any relief or resolution here. Please help me.
Consumer complaint received 2024-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My student loans are currently in forbearance because of the SAVE litigation. I do not want to be in forbearance because none of these months count towards my PSLF payment count. I have tried to call Mohela but am not able to even get through to a customer service representative. There is no way to get information about my loans either through Mohela or through Student Aid or through the Department of Education.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX attempted to contact ARS . Asked me to provide DOB and I said I would not until I confirmed the debt and validity of the company that has been harassing me.

I asked these questions to confirm validity of ARS : Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors XXXX gave her name but then said she did not know why I was asking here these questions and hung up on me. 

Called back again same date. Said I would not share my DOB until I had my questions answered. XXXX hung up on me.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Someone is opening debt/checking accounts in my name. I have spoken to Bank of America several times to have them close this fraudulent account and to never let an account be opened again in my name. This issue is NOT resolved and someone has all of my information and could take this serious problem further.
Consumer complaint received 2021-01-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

My mortgage company placed forced insurance on us last year in 2020 regarding our condo hotel located in XXXX XXXX XXXX. The amount was {$3100.00}. I have reached out to my insurance agent and she told me I had plenty of insurance and that she provided that information to my mortgage company. On XX/XX/2020, my insurance agent sent me an email stating that she just got of the phone with Fay Servicing and they stated they will show nothing further is needed to clear my account. Since then, my mortgage company still shows I have inadequate insurance ( which is untrue ) and I don't know what else to do. When I call the company, I can never get a hold of anyone higher than the call representative. It is if I have to plead my case all over again to a new individual. Even if I ask to speak to the person I spoke with before, they tell me they will handle it. I can never get in touch with anyone in the insurance department or management that can help with this issue. My escrow balance is in the negative and I have been paying close to {$400.00} a month more just to stay current with my mortgage and escrow payments. Please help!!!
Consumer complaint received 2023-01-09
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. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2022-07-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a checking account at Bank of America. I scheduled the payment of certain bills from my checking account in XXXX on XXXX separate dates, and made a XXXX transfer into those accounts from another Bank. The Bank of America application suggests that funds will be credited with 3 days ( not business days ) to your account and I scheduled bill payment in accordance with this expectation. On the day bills were paid, the transferee funds werent credited and my account ended up being overdrawn causing a two {$10.00} overdraft charges hitting my account. I had called Bank of America and explained to them the issue and asked why werent the funds I transferred via XXXX credited to facilitate payments of the bills. The response was as follows : We dont take responsibility for XXXX payments even though the service is offered on our platform. XXXX transactions usually post within 5 business days ( contradicts the 1-3 days stmt they have on the app ) and we will NOT reimburse you for the {$20.00} overdraft fee.
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: EQUIFAX, INC. (MI)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 or extortion. 



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
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. (MI)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 or extortion. 



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
Consumer complaint received 2023-01-09
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. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2020-06-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (CA)

My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.
Consumer complaint received 2020-06-24
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (MD)

Based on race XXXX XXXX, age and gender, Experian has segerated my consumer credit report to what they referred to as an special department and refused to allow me to dispute inaccurate fraudulent activity and obtain information regarding the consumer credit file via telephone. I brought this illegal practice of preveting certain American from obtaining information via telephone several years ago via multiple complaint filed with CFPB against Experian and to date you have refuse to provide the consumers protection from this abusive practive especailly during COVID-19, a consumer should be able to immediately dispute fraudelent activities. I had made several attempts to report inaccurate information and fradulently activity to Experian, each time after being transferred multiple times and placed on hold for over and hour I am either disconnected or transferred to an voice mail. To date experian has refused to allow me to dispute fradulent activity and inaccurate information contain in the consumer file.
Consumer complaint received 2020-06-24
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. (FL)

XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX XXXX XXXX SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX  Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-24
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: EQUIFAX, INC. (PA)

On XX/XX/2017 I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!
Consumer complaint received 2020-06-17
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. (DE)

This was regarding a XXXX - XXXX XXXX loan which was opened on XX/XX/XXXX and was paid regularly and prematurely in XXXX. Subsequently due to the error of the company sending me the final pay off amount at the wrong address and other delay, they charged me late fees for XXXX $ times XXXXwo for total amount of XXXX , I  contacted the company and they agreed to remove this from the credit report and still it has not been removed Equifax and it shows as charge off account.This has severely affected my credit history. 
I can be reached at XXXX. 

Thanks- XXXX
Consumer complaint received 2024-11-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Under UCC 3-415 ( b ) the indorsement by Bank of America on the note states that it was made " without recourse '' and it disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument and can not claim any injury in bankruptcy against the debtor or claim injury to initiate foreclosure!!!!
Consumer complaint received 2022-07-14
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

4 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX  XXXX  XXXX should not be reporting a collection/chargoff in the amount of {$12000.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX County Magistrate Court partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.