davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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: NRA Group, LLC (FL)

National Recovery Agency violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the National Recovery agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.
Consumer complaint received 2020-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I recieved a letter in XXXX from Penny Mac mortgage co. informing me that my payment was going to increase due to escrow funding. I assumed that the payment increase was gon na be in XXXX. But it was for XXXX i sent my normal mortgage payment of XXXX and they recieved and cashed it on the XXXX of XXXXwell they took my payment and put it in a suspense file because it was XXXX short of the full payment.they say they tried to contact me but could never reach me and on XX/XX/XXXX they placed a 30day late on my credit bueau report.now they have my mailing address but never sent me anything they say they called me but if a number comes up on my phone as spam i dont answer they have my email address but never emailed me to notify me of the situation instead they were real quick to put it on my credit bureau report.I have brought the payment current but they say that they cant take it off my credit report now.I was trying to refinance my house but this mark on my credit has stopped that process thanks to this very rude and aggressive company.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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.
Consumer complaint received 2020-09-09
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. (TX)

This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX the account payment history is incorrect. Account never late. Please update. XXXX XXXX XXXX XXXX. No knowledge of account. Also this account shows a bankruptcy. An account can not report monthly if an account shows a bankruptcy. Non Factual reporting. Please delete the account. XXXX XXXX   XXXX The account payment history is incorrect. The account reflects multiple of the same amount of days outstanding every month consecutively from XX/XX/XXXX-XX/XX/XXXX. An account can not have the same amount of days outstanding consecutively every month. This is non-factual reporting. Please remove latenesses. XXXX XXXX   XXXX Does not have a contract with the company. Please delete. DEPT OF ED / XXXX XXXX This account payment history is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF ED / XXXX XXXX This account payment is incorrect. The account reflects three 120 late 's XX/XX/XXXX-XX/XX/XXXX and two 120 dates consecutively in XX/XX/XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

Purchased tv on 24 months promotion from Best Buy on XX/XX/2019 never picked up returned on XXXX XXXXOn my XXXX statement XXXX plus interest was added onto my bill.Contacted Best Buy to resolve issue the only solution they gave me was to pay XXXX for the amount of the original purchase.They said they put the return towards my regular purchases.That is not my fault as far as Im concerned thats fraud, I returned the tv there shouldnt be no interest.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I called to request a loan refund on XX/XX/26 and was told that it would take 8 weeks. After I called back today, I was told that it will take another 4 to 6 weeks.
Consumer complaint received 2021-05-15
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: RC Willey (UT)

Received hard credit inquiry without any consent, form, request or verbal or written authorization to do so. I found out when my. Credit monitoring alert notified me on this hard Inquiry hit. I am not inquiring on new debt or soliciting for any services from any retail company as I am closing on refinancing for my home. This is unacceptable.
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (UT)

My original loan through XXXX XXXX- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is DOVENMUEHLE. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the XXXX XXXX number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.
Consumer complaint received 2020-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

A debt in the amount of {$1400.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MO)

A Federal Perkins Loan was established in XXXX for myself. I completed my higher education in XXXX of XXXX and my loan was then eligible for payments in XX/XX/XXXX. Any time I received a bill in the mail, I paid it, via check in XXXX. This is shown in the enclosures that I made payments in XX/XX/XXXX to cover XXXX & XXXX of XXXX as well as XX/XX/XXXX to cover XXXX and XX/XX/XXXX. To the best of my ability, I do not recall receiving any other statements or past due notices in the mail. I also did not receive any emails or phone calls stating I needed to make a payment. When receiving a bad address notification, due diligence was not performed on behalf of University Accounting Services and I was not contacted via any other method with the information on file. My phone number and email address as of XX/XX/XXXX are still accurate. The information of this loan being delinquent and being reported to the three main credit bureaus as such is inaccurate because I did not receive notification that I had payments to make or that my loan was past due. I received 4 years of unfair late charges due to this diligence not being performed and not being notified of this loan still being open. UAS continued to submit information that was known incorrect, I am entitled under these laws to notices concerning the reporting, handling, and use of my credit information and was not notified of the negative handling of this account, another violation under the CRA. UAS failed to notify me when it supplied and continued to supply negative credit information. This would have been detailed in a billing statement but referenced above, they were not received, and all of these violations would have been avoided, had due diligence been performed on behalf of UAS in getting in touch with me. The company has not complied with my request to have this negative information removed from my credit report, even though I paid the full {$1300.00} on XX/XX/XXXX, including over {$350.00} of unfair late fees accrued over 4 years.
Consumer complaint received 2022-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (OH)

Lincoln automotive financial was paid on auto pay by XXXX in Ohio. In XXXX they sent me a letter stating theres no monies owed on this account. The car was turned back in at the end of the lease in XXXX, and then XXXX I received a check for an overpayment of {$650.00} from Lincoln financial Automotive. I then come to find out that they had filed suit for money owed in XXXX foXXXX XXXX XXXX  dollars. I was unaware of this until XXXX of this year when I had a application for a credit card denied because of this bill owed. Ive sent all the information to XXXX and Lincoln financial and two collections agencies to no avail.
Consumer complaint received 2022-08-20
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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. (UT)

XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and -XX/XX/2020. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (OH)

I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.
Consumer complaint received 2021-11-21
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. (WA)

This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them XXXX and Equifax XXXX payment amount for child support reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX is not acknowledging the uploaded documents online. Equifax and XXXX is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report
Consumer complaint received 2020-09-09
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. (UT)

XXXX XXXX # XXXX & XXXX is reporting a late on my credit report for XX/XX/XXXX XX/XX/XXXX -XX/XX/XXXX- I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XXXX XXXX and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XX/XX/XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys  would do this.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (CO)

I've been a customer of XXXX for several years, I've not missed a bill because my account has always been on autopay via credit card. In XXXX I switched plans from cable to internet streaming. XXXX I believe provided me a new account number, however they did not inform me of an additional amount owed of {$93.00}, which I did not know about until recently when running my credit. I paid the balance to the collections agency, Waypoint, on XX/XX/XXXX of this year. Since then I've requested several times to receive a deletion letter to remove the amount from my credit report, but these requests have gone unfulfilled. I believe that submitting my balance to a collection agency should never have happened in the first place as I currently have services with XXXX with no interruption in service that would have warranted a non-payment collection. I don't believe I should be held at fault that XXXX did not link the accounts together when I amended my plan options. Given the digital age their system should be to link accounts ( active and open ) when they have my name, SS #, address, etc. I do expect more from a communication company with how they treat their active customers. 

In short, due to negligent account management this collection needs to be removed post-haste from the credit bureaus due to erroneous mismanagement of my account and negligent communication to me by their representative with the process to expect when I amended my services. Also please note again the amount was paid to the collection agency once I learned of the balance due.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, I received an alert that my Chase card ending XXXX that someone was trying to charge {$1100.00} from a company called XXXX. I called immediately and report the fraud and closed the account. The amount stayed pending and I called because I was getting emails to confirm the purchase. I was told to ignore the emails and delete them because it could be virus or hacker. On XX/XX/XXXX Chase posted the amount. 

I have been calling at least once a week regarding this. The customer service representative are polite, but I keep getting letter saying that the amount of {$1100.00} is my responsibility because services were rendered. I can not get a hold of XXXX and the last representative I spoke to on XX/XX/XXXX, could not reach the company either. 

I have done my due diligence in protecting my card and reporting the fraud. They said the company had my email, XXXX and information. I told them that on had received alerts that my email was compromised. My husband on XX/XX/XXXX had someone try to charge travel on his XXXX card, he called and that situation was handle. 

My question is why would I use a company I have never heard of to purchase airline tickets on XXXX? I would use the companies website. I never boarded a XXXX flight to XXXX and never confirmed the tickets. I just know I am responsible for a purchase I did not make and they are now asking me to provide evidence. I don't know what evidence I can provide and I need help. Thank you so much.
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (PA)

On the date of XX/XX/2020 I sent out certified letter with return receipt to Equifax Information Services LLC at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) Dealerfund : is still on my credit report with Equifax deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.