davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
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)

I have requested an investigation be completed by XXXX, Equifax, and XXXX to request the data furnisher of my student loans, XXXX XXXX report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by MY FICO. I found the following errors : The XXXX and Equifax payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in February 180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2016-12-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (IA)

received XXXX bills in 2013, XXXX for {$70.00} and XXXX for {$44.00} I paid both and have XXXX check duplicates and statements to confirm, however according to the billing rep at XXXX clinic, the check amounts were applied to another bill that I never received and the XXXX bills that I had paid specifically were turned over to collection and that i had a credit due me. Now the billing agent says she will forward the balance due me to H & R collections which will leave me a balance of {$64.00}, I do not see how money paid on specific bills can just be used to pay an unbilled debt and the debts I specifically paid turned over to collection agency. who has been reporting them since XXXX of 2013. The continued re- reporting has affected my credit score negatively. Apparently it is the billing departments practice to apply monies where ever they choose to direct them. I directed her to have the collection agency call me directly to get the matter removed from my report, but am sure they will require me to pay the full amounts to resolve the them, I will re submit complaint if this the case.
Consumer complaint received 2020-05-13
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. (AR)

I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Consumer complaint received 2019-07-24
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: Exeter Finance, LLC. (CA)

On XX/XX/XXXX I sent a letter to Exter Finance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Exter Finance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have been trying to get some assistance from Loan Care and they will not return my call. I wrote them a letter on XX/XX/2020 regarding my XX/XX/XXXX mortgage payment. Funds in the amount of {$2500.00} left my bank account on XX/XX/2020 and they never applied them to my mortgage balance. When I discovered this I made an additional payment over the phone for {$2500.00} on XX/XX/2020 because they said if I did not I would be reported as delinquent to the credit bureau 's. 

I received a letter back from them on XX/XX/XXXX through this website still insisting they did not receive my payment and requesting proof of payment from XXXX ( my bank ). The letter was signed by XXXX XXXX at XXXX ext XXXX. I left him 2 voicemails asking if he would please provide an email address so I could email him the proof of payment from XXXX. I have not heard back and I just don't know what to do at this point. I would like my additional mortgage payment returned to me. 

Any assistance you could provide in this matter would be appreciated.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

I XXXX XXXX have tried through three separate mail requests to obtain a copy of my Equifax report. I did receive a free annual report from XXXX XXXX and XXXX, but need my Equifax report ASAP.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pankey & Horlock, LLC (GA)

In XX/XX/XXXX we reached a settlement that the case would be dismissed. 

In XX/XX/XXXX. I received an invoice showing no fees fines. This was due to case being settled. 

I complied with all the terms of settlement. I mailed Certified mail with return receipt the settlement offer to debt collectors office. 

Without any notice After settlement was reached attorneys filed a motion for Default XXXX. After settlement was reached with no notice attorneys decided to proceed to trial. 

Debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ga XXXX. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Ga XXXX
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020, I requested a credit line increase on my XXXX credit card from Barclays Bank through an online form. I later received notification that there had been a hard inquiry on my XXXX  Credit Report. Completing similar online forms with other issuers does not typically result in a hard inquiry on my credit report- when it will result in one, it is typically made abundantly clear by the institution ( usually through a pop-up or similar alert, or at least through highly visible text ). Attempts to resolve this with Barclays have made it clear that they will not work with me on this.
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I have disputed XXXX Chapter XXXX BK 's with XXXX Balances and a Tax lien that does not belong to me. I called XXXX that they are getting this info from that was on my Equifax credit report. They told me the last time Equifax received information from them was in XX/XX/XXXX. I have been disputing the BK issues since XX/XX/XXXX. I have repeatedly asked them to show me proof with my signature that those BK belong to me, They need to pull a new report from Lexis Nexis and show me proof with my signature, I already called the BK Courts and they clearly stated to me that they do not report to any credit agency. Information on BK filings can be incorrect. If this is n't done then I will fill another small claims suit against them. I already filed a lawsuit against XXXX XXXX XXXX the CEO of Equifax adding this tax lien on my credit report, the court case is XX/XX/XXXX. He has already been served. I will do the same if those XXXX BK 's and tax lien on my credit report are n't removed at once.
Consumer complaint received 2020-10-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

-- INSTALLMENT LOAN -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IN)

Hello, i was sued by XXXX XXXX  service back in XXXX of 2018. They sent a letter to garnish my wages. I have made several attempts to work out this debt with a better payment option than a 25 % garnishment. I spoke with the XXXX firm through their online system and also the phone. I am a fulltime XXXX student with XXXX children, my hours have been reduced due to school and now with the current situation. I am only working about 10 to 20 hours a week. The loan was for approx {$4500.00}, and they won the case for nearly {$14000.00}. I tried to get it reduced by paying a lump sum, and they refused. I also had endurance on my loan that only paid {$930.00}. I wanted to get them to update my credit to show this payment and have gotten ignored. This has been an ongoing issue with the firm, and its already been are to make any money to survive as is. I am sadly contemplating bankruptcy, so I have some kind of breathing space. They used a secure messaging site that no longer has our communications. I am unsure if there stopped using the service.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and XXXX XXXX is attempting to collect at least {$980.00}, a {$170.00} difference.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC. (AL)

I opened an account with Ally bank online. I sent {$400.00} to fund the account and they cashed the check and locked the account. I called the number they said to call and they switched my to the fraud department. I have tried to call for 3 days and have been on hold for 3 days. I have left 2 messages with no reply. I tried an online chat and they would not help me because my account was locked. You can not get a hold of anyone to fix the problem that there might be.
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing in hopes of assistance with an issue with transunion credit reporting agency. I have been disputing wrong information that is reporting on my credit report and getting no where with this credit reporting agency. My first complaint is transunion will not remove a loan that is reporting with XXXX that I do not owe. It is showing a balance of {$860.00} it is showing open/collection/charge off. I received a letter last week telling me that they will not re-investigate this anymore for me. This is a violation of my rights that they are reporting inaccurate information which is affecting my credit. My next complaint is I have been disputing XXXX in the amount of {$4800.00} which again I do not owe. This was paid in full when I turned in my lease. It is reporting my new lease payment which is correct but then showing a monthly payment of {$4800.00}. Common sense shows that a auto payment can not be {$4800.00} per month. I have disputed this with transunion and they keep responding it has been verified. I also contacted XXXX and was told that I have a XXXX balance as my old loan was paid off in full with no late payments. Another complaint I have is my XXXX account which is also paid off to a XXXX balance is still reporting a balance of {$120.00}. I contacted XXXX and was told they have contacted the credit reporting agency and verified that I have a XXXX balance on my account. Transunion responds the balance of XXXX is correct. This shows me that they are not doing a valid investigation. My credit score is low due to wrong information that transunion is refusing to correct. I am about to obtain legal advise as I have been dealing with this for months now trying to correct my report. Transunion also agreed to remove some of the XXXX remarks they are reporting which again is affecting my credit score. To date they still did not remove any remarks. I questioned why they keep reporting negative remarks on accounts that are current ... .paid ... .or closed? ... ... I am very fustrated as they are affecting me in obtaining substantial credit when they refuse to fix my report. I also have been disputing in public records XXXX tax liens that are paid in full. In essence there was only XXXX tax lien ... .not XXXX ... ..and it was to be removed from public records. XXXX and XXXX has removed them as it was deemed to do so but transunion just keeps telling me it 's been verified. Yes I had XXXX tax lien that is paid in full but it is suppose to be removed from my credit report. Transunion is a horrible credit reporting agency and they have no right to report wrong information about my credit worthiness.
Consumer complaint received 2020-05-13
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: ECMC GROUP, INC. (PA)

ECMC is a collection company that has a private student loan debt that is more than 10 years old that has never had a payment made on it and is still reporting the debt as originating in XXXX which is not possible because I last attended school in XXXX and with the debt being more than 7.5 yrs old the company refuses to stop reporting it stating that I had made a payment in XXXX which is false.
Consumer complaint received 2020-05-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc. (NY)

Im a costume of XXXX and my account is correct and pay every month on time, but for some reason they have a next account in my name that doesnt belong to me and XXXX wants me to pay for this account what doesnt belong to me because I only have one account with them, it was removed before from my credit report
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (GA)

I have received contact from XXXX XXXX XXXX about a debt and I have requested validity of debt. I have requested hard copy proof where I expressly agreed to debt by way of contract with original creditor and XXXX XXXX XXXX. Hard copy agreement. Credit control purchasing debt and being assigned to debt. Amount they paid for said debt. Full accounting of the transaction history. I requested all collection activity to stop immediately.
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

In complaint XXXX, the company agreed to report the account, which was timely paid under a trial plan, as current. The exact words : " MidFirst has requested the credit reporting agencies to which it reports to revise the credit for the consumer to show the loan paid-as-agreed for the months of XX/XX/XXXX through XX/XX/XXXX. MidFirst has not received any communications in response to this request and, because it thinks that the credit revision resolves the consumers concerns, has not planned any follow up action in response to the complaint. '' On or about XX/XX/XXXX, the action described above was taken on all three credit bureaus. 

However, Midland has now reversed course and worse. As of today, XX/XX/XXXX, Midland reported numerous >90 past due for XXXX, PLUS it has failed to record the timely-paid XXXX and XX/XX/XXXX payments to the loan, and added a note that claims that I am not paying the loan because I am " affected by a natural disaster. '' This reversion to the history presently appears in my XXXX  report, and the other two reports include the refusal to report my timely XXXX and XX/XX/XXXX payments and the notation that I am not paying the loan because I am " affected by a natural disaster. '' I attach proof of Midland 's reneg on its previous commitment as well as proof of timely payments and a copy of the previous complaint and resolution.