davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MI)

I filed XXXX  XXXX in XXXX I put this credit card XXXX XXXX XXXX  XXXX XXXX in my bankruptcy debt was sold to several collection which is now LVNV Funding LLC. My bankruptcy was discharged XX/XX/XXXX. I received several notices and court hearing from this company now they are suing me and garnishment is in place. I objected to garnishment and have court date XX/XX/XXXX
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 section 604 A section 2 it also states a consumer agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (FL)

This complaint is filed against XXXX, Espirian, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. XXXX s report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both Espirian and XXXX reports are missing date account opened. XXXX. Both Espirian and XXXX reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. Espirian reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and Espirian are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under Creditor 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. 9. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 10. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. Espirian failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of consumers smart credit 3 bureau report is included in this complaint to verify al errors and discrepancies.once all 3 reports are side by side there is no way all 3 bureaus verified different information from same account.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX   because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could do.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX # XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX ACCOUNT # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX this account.
Consumer complaint received 2023-06-17
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. (MI)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2023-06-17
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. (TN)

I've recently contacted the company XXXX and Experian about fraudulent activities I recently discovered on my profile that they have control over. I contacted them and let it be known that this activity had occurred and that I had several accounts that needed to be disputed as well as my address along with my name on the profile as well. I have also tried to dispute directly thru the company website but I can seem to reach any accomplishments. On XX/XX/2023, I was able to dispute one item. once I checked my profile all other negatives has been updated. I've Furnished documents such as identity theft reports along with ID verification uploads for addresses.
Consumer complaint received 2018-12-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I have been having a problem with my escrow account for the past 12 months. When we set up our mortgage on XX/XX/XXXX, in our Initial Escrow Account Disclosure Statement ( Attachment 1 ) it stated that our property taxes would be dispersed in two installments. The first installment was scheduled to be taken out in XX/XX/XXXX. The second installment was scheduled to be taken out in XX/XX/XXXX. Our mortgage company Nation Star Mr.  Cooper instead dispersed the full amount in XX/XX/XXXX causing a shortage in our escrow account. In XXXX of XXXX we spoke with XXXX XXXX of Nation Star Mr. Cooper and after discussing their mistake we agreed to allow the shortage for the year of XXXX, despite the fact that this significantly raised our monthly mortgage payment. Mr. XXXX assured us in an email on XX/XX/XXXX ( Attachment 2 ) that the following year our property taxes will be dispersed in semi annual installments. 

In XX/XX/XXXX we received our tax bill ( Attachment 3 ) that showed the option of paying semi annually or in one full installment. We decided to be proactive and verify that our property taxes would be paid semi annually by calling XXXX XXXX of Nation Star Mr. Cooper to confirm what had been arranged with Mr. XXXX the previous XXXX. She assured us that their previous mistake had been corrected. Ms. XXXX assured us of this over the telephone and in several emails ( Attachment 4 and attachment 5 ). She  assured us that the first installment was already made and that the second installment would not be made until XXXX. On XX/XX/XXXX the second installment was made, though it should not have been made until XXXX. This mistake once again has caused a shortage in our escrow account. I contacted Ms. XXXX on XX/XX/XXXX and she told me that she shared my frustration and that she is working on resolving the problem and that we would get a refund of the second installment. After several days we had not heard from Ms. XXXX and on XX/XX/XXXX I sent her an inquiring email to which she replied on XX/XX/XXXX. Ms. XXXX 's reply stated that nothing could be done about this matter.
Consumer complaint received 2023-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

Fifth Third bank, knowing committed fraud in violation of MGL 93A. 



They had recently bought my loan from XXXX XXXX ( XX/XX/XXXX ) and recd all the necessary accompanying paperwork, by XXXX they failed to make my insurance payment as required as my escrow agent, then forced insurance at XXXX greater than my insurance. They said that they sent letters to me, which they lied about, they never sent letters. My insurance agent called me finally to say that the mortgage company DID NOT PAY my required homeowners insurance which was due XX/XX/XXXX, speaking with Fifth Third, they have NO EVIDENCE of even attempting to mail my required homeowners premium and created a potential cancellation of my insurance by their deceptive practices and irresponsible fraudulent actions. 



I paid the insurance, myself, on my credit card after learning that Fifth Third refused to act responsible as my escrow agent and send a timely payment to renew my insurance. Fifth Third then forced insurance on me through their fraudulent insurance racket ( {$3700.00} instead of {$1500.00}!!!! ) they then further committed fraud by then elevating my escrow/mortgage payment by over $ XXXX mo in an attempt to defraud me continually. After looking up Fifth Third bank on the internet for complaints, I was surprised to see that Fifth Third Bank has a history of defrauding consumers, why do you allow them to continue to abuse the public? 

I am an XXXX who's professional job is to care for the sick, if I performed my job as poorly and deceptively as Fifth Third abuses their clientele, I would be fired. 

DO YOUR JOB and SHUT DOWN this fraudulent bank. They have made me spend HOURS on the phone, refused to do their job, passed the buck to other departments that then disconnected phones, and told me I WOULD NEED TO CONTINUE TO CALL BACK to make sure they did their job correctly ( and legally ) THIS IS UNACCEPTABLE, they owe me more than 4 hours of pay!!! I finally had to have my mortgage officer call in with me on conference and HE HAD TO SPEND OVER AN HOUR talking to these less than polite, non professionals at Fifth Third bank. 

With complaints stemming back 7 years, civil lawsuits and one brought by the CFPB itself, I dont understand why you allow them to commit fraud and do nothing about it. 

I DEMAND a resolution, I demand that the employees act legally and do not use deceptive practices such as I have explained above, please FINE THEM and have them pay me for my time, this is beyond ridiculous! 



Sincerely,
Consumer complaint received 2018-12-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bonial & Associates, P.C (TX)

I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/XXXX according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/XXXX that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XX/XX/XXXX I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
Consumer complaint received 2023-06-19
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. (CA)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Consumer complaint received 2018-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

MT Bank charged me a fee of {$360.00}. They claimed it was for legal fees of previous lender ( XXXX XXXX  ). Their employee XXXX XXXX investigated the matter and came back with information that the {$360.00} fee was for fees. He said that the fees was for 24 months of inspection cost of 14 day. This is totally illegal. They are making up stuff to cover up the fraudulent activity. I am so frustrated with this bank. Its so unfavor. I want my money back.
Consumer complaint received 2023-06-17
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. (TN)

I've recently contacted the company Transunion and XXXX about fraudulent activities I recently discovered on my profile that they have control over. I contacted them and let it be known that this activity had occurred and that I had several accounts that needed to be disputed as well as my address along with my name on the profile as well. I have also tried to dispute directly thru the company website but I can seem to reach any accomplishments. On XX/XX/2023, I was able to dispute one item. once I checked my profile all other negatives has been updated. I've Furnished documents such as identity theft reports along with ID verification uploads for addresses.
Consumer complaint received 2018-12-26
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. (CA)

Equifax is allowing these companies to continue to report fraud info on my credit profile, totally willfully disregarding my rights with the 605 ( b ) fcra law. I have sent in all the necessary documents to have these fraud items blocked from my report. They have had my documents far longer than the 4 business days of receipt stated in the 605b law. I call and they say they are still allowing creditors to pend their investigation, they will not block accounts, this is despicable. Willfully abusing a consumers rights.
Consumer complaint received 2023-06-19
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. (MI)

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received XXXX letters stating that my loans were to be discharged. XXXX now has my student loans # XXXX I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to XXXX but my balance with XXXX never went down. I called XXXX and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that XXXX has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
Consumer complaint received 2023-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

My XXXX XXXX XXXX is XXXX of California. 

They have a history of not recognizing nor respecting maximum co-pays for calendar years. 

for XXXX I hit my maximum co-pay on XX/XX/XXXX I was asked to pay a copay on XX/XX/XXXX and declined. 

XX/XX/XXXX XXXX sent me a bill. 

They gave me an email address ( XXXX ) to send the letter confirming this from my insurance. 

This email was sent XX/XX/XXXX. No response was received. 

I emailed a follow up XX/XX/XXXX. 

I received another bill in XXXX. 

I called XX/XX/XXXX and was told my email had been received and to reply to the email and ask them to call me. 

No followup nor phone call was received. 

XX/XX/XXXX I received a notice dated XX/XX/XXXX from Designed Receivable Solutions that they were collecting my debt on behalf of XXXX. 

I do not see how it can be legal to send a debt under dispute to collections without any attempt to address the consumer 's issue.
Consumer complaint received 2023-06-17
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. (AL)

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. Account name : 1. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.