davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (AL)

ACCOUNT NUMBER : XXXX I submitted a dispute to XXXX regarding OneMain Financial. The account is reporting Paid but also shows a charge off amount. OneMain sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX OneMain sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to XXXX that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted OneMain and XXXX and asked them to correct their error but, as you can see by one of the attachment, XXXX is stating that they have contacted OneMain and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED IMMEDIATELY!!!!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

MY Credit Report LOSS XXXX I HAVE BEEN A XXXX XXXX XXXX Customer For 15YEARS THAY MADE A MISTAKE AND I DID NOT PAY THEM {$40.00} I PUT THE RECEIPT ON MY Consumer report thay took it off thay gave me ONLY XXXX BACK ON MY CREDIT I NEED MY XXXX BACK I CAN NOT RENT A HOUSE MY CREDIT SCORE IS LOW I HAVE PAID FOR 2CARS 15 YEARS CREDIT CARD XXXX 5YEARS I NEED MY SCORE TO GO BACK UP I WILL BE PUTING MY RECEIPT TO THE ATTORNEY OFFICE THIS IS AGAINST THE LAW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX On XX/XX/XXXX, I submitted a formal request thru email to my mortgage company ( Freedom Mortgage ) for removal of mip insurance for my fha loan. I had already spoken to someone in thier Customer Care department and I was told that I met all requirements for mip removal for my loan, except that the secondary loan I had already paid off did n't apply towards getting me under the 78 % loan-to-value ( Ltv ) ratio required, so I had earlier given a payment towards my principal in the amount of {$6000.00} so that I would be under the required 78 % Ltv.
On XX/XX/XXXX I received a email from Freedom Mortgage stating my request for mip insurance had been received. I few days later I received a letter from Freedom Mortgage saying they were reviewing my account and to allow up to 30 business days for a response. After the 30 business days had past I began to contact Freedom Mortgage 's Customer Care Department to tell them I had not received anything in the mail and if they could please update me if the mip removal had been approved. I was told that my request had been approved and I should receive something in the mail soon. I waited about a week and still had not received anything in the mail and called again. Again I was told I met all requirements and this time I was told they were waiting for a Fha approval letter. On Wednesday XX/XX/XXXX I called Freedom Mortgage 's Customer Care Department once again so I get an update on my request. I spoke to a man named XXXX who I told that after calling multiple times I still was n't clear if my request for mip insurance removal had been approved or not. He told me that I did meet all requirements and that FHA had until XX/XX/XXXX to contact Freedom Mortgage and that I should call back on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received a written response from Freedom Mortgage or a phone call. I just spoke to XXXX in Freedom Mortgage 's Customer Care Department who told me my request was just submitted to the FHA on XX/XX/XXXX! and that a request like these could take up to 3 to 6 months!
Consumer complaint received 2017-08-13
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: PENTAGON FEDERAL CREDIT UNION (FL)

I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1.  XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (OH)

XX/XX/XXXX IC Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Please be advised that your disregard and violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ), and my rights as a consumer have caused harm by seriously affecting my credit rating, causing the denial of credit, as well as causing higher interest rates and unfavorable loan terms. Your continuous phone calls causing the telephone to ring repeatedly throughout the day and evening is harassing. Furthermore, at no point in a conversation with your company has your representatives ever disclosed their identity, the company being represented or the reason for the call, which was misleading. These oversights on your part are clear violations of the FDCPA Furthermore, we verbally disputed the debt with your company on XX/XX/XXXX and again via an XXXX through XXXX on XX/XX/XXXX. Not only did collection activity not cease during this time, but you  failed to send validation not once, but twice with the 30 day time frame for each dispute. In fact, we have yet to ever receive validation and the letters and calls are continuing even after 90 days. Again, this is a clear violation of the FCDPA and FCRA, which I am sure you are aware of as a Data Furnisher. We are for the 3rd time requesting validation. We are also requesting you review the attached conversation with XXXX, where they clearly state all charges will be removed and the XXXX receipt where they received their equipment back. XXXX XXXX : Once you return the equipment back the unbilled charges will be removed Consumer : So why am I paying for a full month when I terminated the service today? XXXX XXXX : All the charges will be removed once the equipments are received back to XXXX In light of the harassing phone calls, deceptive practices, lack of providing the mini miranda and inability to provide validation after 90 days, we are requesting that IC System correct our account to reflect a XXXX balance, cancel all collection efforts and have the trade lines deleted from our credit history. In the event, IC Systems neglects not to comply, I will file a formal lawsuit
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

Fifth Third Bank is reporting derogatory information onto my account. I am hereby asking Fifth Third Bank to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valley Credit Service, Inc. (OR) (CA)

On XX/XX/XXXX I received a notice of garnishment in the mail. Until that time I had been unaware of the debt, a {$500.00} line of credit I had opened in XX/XX/XXXX at Oregon XXXX XXXX XXXX when I was living in Oregon 14 years ago. I had completely forgotten about it, and I never received any notices for any hearings or judgments. Upon receiving the notice of garnishment for the total amount of {$1600.00}, I contacted [ collections agency ] and worked out a payment plan of $ [ XXXX ] a month, to be withdrawn by [ collections agency ] on a monthly basis out of my bank account. I checked at the end of the month to make sure the payment had gone through successfully, and it had. On XXXX XXXX, XXXX I received notice from my bank that [ collections agency ] had withdrawn the entirety of the money in the account, totaling $ [ XXXX ]. When I called [ collections aghency ] to inquire about this, the representatives confirmed that they had received the XX/XX/XXXX payment but said they had not withdrawn any subsequent monthly payments due to a mistake in their records, and upon realizing their mistake, they withdrew all of the money in the account instead of just the missed interim payments. Though they acknowledged that it was an error on their end, they told me I should have known of the error and found another way to pay them somehow, and then they demanded I pay the remainder of the total amount of the debt immediately. Throughout our interaction, the representatives were extremely verbally abusive. They told me I was cheating the credit union and said multiple times that I was irresponsible, even though I had willingly set up a payment plan as soon as I became aware of the debt and then made sure there was enough money in the payment account for my monthly payments. I informed them that I am not able to pay the total amount and asked if we could work out a settlement or a new payment plan with the terms in writing this time. In response, the representative demanded my paystubs, home information, and other personal information and would not tell me why they needed it. They said it was their standard practice and they would not work with me until I gave them this information, which I did not feel comfortable doing. I know there is a garnishment order and I want to do the right thing, but I can not afford to pay the full amount ( especially after they emptied my account ), and I am not sure what else to do at this point
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers
Consumer complaint received 2017-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am filing this dispute against XXXX due to the incorrect information that is being reported by XXXX and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and Equifax and I have received dispute results stating that XXXX  verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX/2016.
Consumer complaint received 2017-08-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

Hello my name is XXXX XXXX DOB XX/XX/XXXX. Ability Recovery Services LLC ( XXXX ) contacted me on my cell phone. The first I heards of this debt was in XX/XX/XXXX/XX/XX/XXXX. I attempted to gather information regarding this debt ( {$1300.00}, account ID XXXX ) because I know very well what my family owes and this debt is not one of our debts. As I began to ask questions regarding the debt the representative told me this was a visit to XXXX XXXX XXXX XXXX XXXX on the first few months of the year XXXX. I informed her I XXXX XXXX have not visited a medical place in XX/XX/XXXX much less located in XXXX XXXX. The representative then asked me are you not XXXX XXXX DOB XX/XX/XXXX and this was a visit to this clinic in XX/XX/XXXX???? I responded absolutely NO! She then began to ask me what my date of birth was and I was very suspicious of these people trying to pin this debt on someone with the same name so i did not offer any personal information ( please do not share any of my personal information to them ). I did state to them this was not my debt and i was not paying for it, her response was then will see what you 'll do when it gets on your credit reports. I am outraged at his company and how they are trying to pin this debt on me and i did not even get sick in XX/XX/XXXX and i have not visited an urgent care center or nothing alike in XX/XX/XXXX.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank is reporting account number XXXX twice as a charge off account to XXXX. On page 23 of the XXXX report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the XXXX report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact TD Bank Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, TD  Bank has refused
Consumer complaint received 2022-10-26
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC. (NM)

Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX  ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. Regards, XXXX XXXX
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (SC)

This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I sent a letter to the CFO of XXXX XXXX XXXX. XXXX XXXX, and CFO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the XXXX SEC filings ; requesting my information is no longer be shared with third parties without my expressed consent in writing. I informed XXXX, XXXX, and Experian that I have chosen to exercise my right as per the privacy act of 1974, which went uncontested with XXXX and XXXX XXXX XXXX XXXX, and they are yet to update the account. In addition to that I informed the representatives of XXXX, XXXX, and Experian that as per the IRS publication XXXX certificates of indebtedness are deemed as income and income is not to be furnished on a credit report. I've uploaded the letters that were sent to both XXXX XXXX XXXX XXXX and XXXX.