davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian is still reporting 2 delinquent accts as active. One was a car loan with XXXX XXXX XXXX that was closed in XXXX and they have been reporting it as not paid for 3 years. Also for the year of XXXX partially paid on time but then other months have no remarks. The car has been out of my possession since XXXX so all the information is inaccurate. This has been reported until XXXX. Again the car has been out of my possession since XXXX. XXXX and XXXX have it totally off my report as it has passed 7 years. They are also showing a power bill from XXXX with XXXX XXXX XXXX as non paid which was paid many years ago and always on time. Neither should be on my report. Again XXXX and XXXX have this information correct. When you try to call them you ca n't get an answer or resolve the problem. I have sent letters and tried to do it online which they say I can not due for some reason. Basically just give you the run around and will do NOTHING to help. This agency is ruining my credit and I would like something done about it. I have read many many many other horrible reviews about Experian and their business practices. Hopefully this reaches someone who can help. Thank you XXXX XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephen L. Bruce, P.C. (OK)

I was involved in a XXXX accident in XX/XX/XXXX in which I suffered a XXXX. I had been reported to a collection agency in XXXX. ( XXXX XXXX XXXX XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) date of first first delinquency and also when I missed my first payment. 2 ) Statute of limitations may not  validate the debt.3 ) Copy of the original signed agreement and balance on the account from XXXX to present. 4 ) What is the account number of alleged debt. 5 ) When was the last payment made on this debt. 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX XXXX XXXX are trying to collect a debt that s not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with the stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have express to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XX/XX/XXXX ) being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from XXXX XXXX, XXXX XXXX and have also survived a XXXX attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen.
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2017-10-29
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. (SC)

Equifax refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my Equifax report so the information had to be verified through Equifax as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, Equifax had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX  accounts were removed.
Consumer complaint received 2017-10-30
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 sent the below letter to Transunion. 

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Transunion continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Transunion. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Transunion, this should be removed, correct? I was not given any additional information on this.
Consumer complaint received 2017-10-30
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. (FL)

I sent the below letter to Experian. My report now reflects the bankruptcy as updated but this is not the case at all. Several credit items stated included in bankruptcy, but this is not the case. These items should all be removed. To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Experian continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Experian. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Experian, this should be removed, correct? I was not given any additional information on this.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2.XXXX XXXXXXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3.  XXXX XXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXXXXXX XXXXXXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Consumer complaint received 2017-10-30
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. (NJ)

there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?! 

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus TransUnion is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus XXXX and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL INC (GA)

Coast professional via phone set up a series of XXXX payments of XXXX monthly for a delinquent federal loan as a representative of the dept of education. After the XXXX payment they have continued to demand mandatory official proof of my monthly salary via my workplace HR and all paperwork showing other financial aid payments as well. Given this demand as I had yet to provide it they said I could not be in their repayment program. ( I TAKE IT THIS MEANS A MUCH LONGER OR NO TURNOVER TO THE DEPT OF EDUCATION? ). 

I have asked twice for a written copy of this " policy '' and was denied as they supposedly ca n't send the contract out to me without knowing essentially my official gross bank incoming and outgoing cash. Her responses made no logical sense so my red flags went up. ( they also asked me details of my monthly spending - a backdoor approach to knowing my bank account ). I 'm still not sure why this is the case, but no debt XXXX prior to this have demanded this mandatory portion of the arrangement. 
Questions : XXXX. Is this official paperwork mandatory for me to supply to secure my loans being sent back to the dept of education? 
XXXX. If this is not mandatory, the agreed on amount and XXXX payments duration - is this legal to hold me in limbo past this agreed on time period? 


XXXX. In addendum to this not associated with this debt collector, is it legal and mandatory once a payment has been established to tack on administrative fees or a penalty fee beyond the agreed sum?
Consumer complaint received 2017-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

On a regular basis, annually, I get threatening correspondence regarding my mortgage with OCWEN LOAN SERVICING, LLC. XXXX last case was # XXXX XXXX which was only resolved with the help of CFPB!! THANK YOU ) I have been up to date with " all '' my XXXX payments! 

Again, on XXXX XXXX, 2017 I received correspondence, dated XXXX XXXX, 2017 from this company, that my XXXX 2017 mortgage payment is past due. 
I have paid the full amount of {$1400.00} ( interest and principal ) on XXXX XXXX, 2017 by 'CERTIFIED MAIL ' which according to the XXXX was delivered to them on XXXX XXXX, 2017 at XXXX. My XXXX 2017 payment was the forty-ninth ( XXXX ) payment I have made to OCWEN, who bought the mortgage years back from XXXX BANK.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Financial Group (WA)

I for the first time leased a phone from XXXX.I had been a customer and swore by them being the best ... until they treated me in professional, charging me for a broken phone that off & on from XX/XX/XXXX ... They did n't want to fix their phone bcuz it has had a warranty on it by XXXX ... They would not help me at All ... I had to go to XXXX XXXX to get a phone # ... .So I sent the phone back to them and received it the end of XX/XX/XXXX it is still not working ... Do now XXXX nor XXXX are returning my calls no one is listening to me at XXXX..I had to remove everyone off of my account ... .I am on by myself and they are charging me for a broken phone, I had someone finally reach out to me & put me through to someone who knew that there were broken teeth on the mother board, he was sending me a replacement phone bcuz I could n't break the phone it was internally broken. 
So I received two letters one said I had a month left to pay the bill I have stood my ground that my phone is broken and need someone too listen and assist me Second letter gave two months so it would carry me through the end of contract ... They stressed me out to the point where my XXXX XXXX was XXXX ... So I told them you are charging me for a broken phone, a replacement phone that does n't work either bcuz the phone # is on restriction so I have been charged for a BROKEN PHONE, NO SERVICE SERVICE TO REPLACEMENT PHONE & I caught up with anything I owed from XXXXXX/XX/XXXX ... .So BASICALLY they were charging me {$750.00} a month With no service, on the broken or replacement PHONE They never turned on ... So after my contract ended I started with another company explained everything I needed them to know .... 
Thank You for allowing me to vent & put everything that I could SHARE ... It is a Very hard time even to getting me SICK I never have dealt with careless people ...
Consumer complaint received 2017-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Provided by XXXX XXXX XXXX XXXX & XXXX claims XXXX XXXX XXXX XXXX XXXXXXXX  Claim numbers XXXX XXXX In Cfpb complaint no. XXXX president/ceo XXXX XXXX of XXXX XXXX XXXX stated that XXXX XXXX XXXX XXXX XXXX are the underwriter of the wells fargo transaction to XXXX XXXX XXXX/XXXX/XXXX. 

In XXXX XXXXXXXX response of cfpb # XXXX she stated that XXXX provided me a mortgage loan for XXXX on XXXX/XXXX/XXXX. I AM ABSOLUTELY SURE THAT MY MORTGAGE LENDER ON THAT DATE WERE XXXX XXXX AND MY SERVICER JP MORGAN CHASE TO ITS END. 

Also she states that XXXX conveyed the property to XXXX XXXX as XXXX. That also is not what happened on XXXX/XXXX/XXXX shows a quit claim sale for XXXX from XXXX to XXXX XXXX. 

Please clarify in writing of your role in this matter to clear up the confusion as other agencies keep describing your role without a written clear answer from you.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Assist (CO)

The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been discharged by the federal Government ( XXXX ) 2 years ago. due to my permanent XXXX they have discharged my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was College Assist Corporation. I explained to them that the loans were discharged and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

Each year, I submit documentation to " recertify '' my income to continue with the XXXX XXXX XXXX which I did on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX from FedLoan Servicing stating that they " were unable to process your request '' because they needed a different type of documentation. Evidently, I sent them a copy of my contract which has my annual salary on it but they wanted a pay stub. So I mailed them the paystub and then I received a second letter from them dated XXXX XXXX which stated " Your New Payment Amount '' which increased from {$290.00} to {$2100.00} per month. I called and asked why this incredible increase. They acknowledged that they had received my documentation but that it had n't been processed yet and to call back next week. Then I received a letter dated XXXX XXXX that says " Your payment has been adjusted by {$0.00} per month '' and that my new amount is {$370.00} per month. I called and asked them to explain this and they could n't. I asked to have this amount reconsidered because it was too much of an increase considering that my income at the time had not increased. I called again at least two more times. The last time I called was XXXX XXXX and was told just to start the re-certification process over. I asked during that phone call and then followed up with an email through their website requesting a written response to my concerns. They are not responding. When I called and asked what I should do while my request was being considered, I was told to just pay my old amount, which I have done, but now it looks like I 'm delinquent because I had n't been paying the new amount.
Consumer complaint received 2017-10-30
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)

To whom this may concern, I recently obtained a copy of my credit reports, as I was revewing everything I noticed some unauthorized ( hard inquiry 's ) reporting on my files with the CRA transunion, I have sent disputed letters certified mail, also disputing over the phone only for them to tell me there 's nothing that they can do, these unauthorized inquiries need to be deleted/removed from my credit report ASAP, I have no accounts linked to these inquiry 's. 

UNAUTHORIZED INQUIRIES : XXXX XXXX
Consumer complaint received 2017-10-30
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)

To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to Equifax, XXXX and XXXX. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( XXXX ) and 25 ( Equifax ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.