davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (SD)

My credit report shows an incorrect XXXX-day delinquency in XX/XX/2018 for FOUR loans, even though its all in 1 repayment from Fedloan Servicing. I believe this is when the repayment came out of deferment however I was not notified of when this occurred so I could continue my repayment plan. The account is in good status now and I have not had any other issue with this in the past. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and I'm not sure if they even have my address correct but I've lived here for 5 years. It is crazy to me that they can report 1 repayment FOUR times at a delinquency, and this needs correct and removed from my credit report immediately.
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TN)

Quicken loans fails to apply principal-interest payments : Quicken Loans has received principal-interest payments in full but have not applied one or more payments to the loan pay-off. All payments have been exactly in accordance with the mortgage loan contract including the schedule for principal-interest and in accordance with the schedule in the approved escrow agreement. Beginning in XX/XX/2019 separate checks have been issued for principal-interest payments and for escrow payments. All payments have been received on or before the due date by Quicken Loans. Quicken loans cashed the XXXX  payment check that is clearly identified as principal and interest and the check clearly identified for for escrow but failed to apply the principal-interest amount to the loan repayment.

The billing statement dated XX/XX/2019 falsely states that the last paid principal is {$0.00} and the last paid interest is {$0.00}. The canceled check that was cashed by Quicken Loans on XX/XX/19 for the XX/XX/2019 payment clearly stated that principal was {$750.00} and interest was {$700.00} for a total of {$1400.00}. Also Quicken Loans notified the client by e-mail on XX/XX/19 about payment information as follows : Payment received : {$1600.00} ( included escrow ) Total applied : {$1600.00}.
Consumer complaint received 2019-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have called and continually tried to gather a credit report/score from BOTH XXXX  and TransUnion with no success. Both of these websites are down and in XXXX case, so is the phone number they tell you to call if there is a problem. I have tried for over a Month with BOTH of these credit companies to produce my reports and scores in response to either a free request or a suspected fraud request and they have yet to be able to fix the websites to be able to do so. My credit scores are a huge determinant in my future and I am trying to actively gather and repair improper collections accounts and both of these cant produce reports.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
Consumer complaint received 2019-06-21
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re :  Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AND XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc. (TX)

Hello, my name is XXXX XXXX my husband  XXXX XXXX and I have tried to reach out to PRO COLLECT INC. of XXXX Texas. For several weeks now to plead with them to remove our debt from collections in the form of phone calls, messages, and emails. We were unjust in our debt from the beginning it was a debt we never knew we had and when we found out we had it we paid it off instantly. We are both XXXX  XXXX veterans and are only asking for a chance to do right with our credit
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (VA)

I was banking with BB & T bank for 25 years and I did some investment packages ( Thou the returns that were not were even close ), I did not make issue out of it. In 2007 at the instance of Manager I moved the XXXX mortgage to BB & T. Recently when XXXX Manager Insisted I should refinance, I decide to go with and my paper work started. My loan was approved and all the paper work is done @ the final stage someone from loan dept started sending emails insisting I should send 1 ) Internet company -XXXX  XXXX credit rating 2 ) Social security benefits I drawn from SSA and statement. 

I have replied that I never took dime form SSA for 30 years or ever and I did not start any befits from SSA and XXXX XXXX is just internet company that provides that provides only internet services ( which I was shopping to see what is the best service in the market ). 
Despite repeatedly sending emails clarifying all and including other credit application those persons form the Bank never stopped -- finally I have to withdraw my application in spite of Bank saying sorry for all the things happened. 
I feel that Based my Ethic name all this harassment happened and if my name is XXXX, XXXX, XXXX, XXXX these questions should not arisen. 
BBT sent me letter mentioning my credit rating is XXXX and I'm above 99 percentile of American Consumer
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXXXXXX 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 I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
Consumer complaint received 2019-06-17
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. (MO)

These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX and Transunion remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (RI)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX,
Consumer complaint received 2019-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (NJ)

American Honda has not provided the contract with my original signature when On XX/XX/2019, I sent them letters directly requesting them to provide me, my agreement. We sent letters to the credit bureaus asking for proof of the agreement and to validate the debt. And how was the investigation handle when I disputed this item on my credit file. I am asking them to provide proof of this account, or removed from my credit file. Or provide the original contract with my signature.
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (FL)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted TransUnion and told them several times that I don't reside at XXXX XXXX XXXX XXXX MI XXXX. They delete it from my account ad then place it back on my account saying it was verified from a company. I got a list of people from them that they stated have used this address and all those people claim that have not and if they have it's been so long ago. My sister use to live there over 10 years ago and while I was in college I was on one of her credit cards I'm assuming I may of got promotional mail there but my sister or myself have never owned this home. This address should not be on my file. I would like to know how are they verifying this information with the company that's reporting it. Information is suppose to be accurate and XXXX XXXX XXXX XXXX MI XXXX is not an accurate address for any account of mine and has never been.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX County, TX and XXXX County, TX placing inaccurate and old data into current clean records via XXXX, Equifax or some unknown reporting agency. Many of the transactions have been verified by attorneys via lawsuits to be invalid or not filed claims. Records were clean prior to recent intervention by unauthorized credit pre-screens being issued by recruiting agencies and other types of businesses which were not employing or in the business of employment.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (GA)

Despite several written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$420.00}. I am attaching the paper trail with Certified mail receipt.
Consumer complaint received 2019-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

I noticed on my credit report there was a new derogatory mark added to collections from Phoenix Financial Servic. Phoenix Financial Servic has not contacted me in anyway to inform me about this debt that is owed. This debt was reported on XX/XX/2019, and was opened XX/XX/2019. The amount due to this collection agency is {$1400.00}.
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (FL)

I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019.

*XXXX XXXX XXXX- never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *Certified Credit RPDT- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit *XXXX XXXX-never applied for credit * XXXX XXXX-never applied for credit *XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (FL)

I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019. 
XXXX XXXX XXXX never applied for credit *XXXX XXXX XXXX XXXX -never applied for credit *XXXX XXXX XXXX- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit XXXX XXXX XXXX -never applied for credit XXXX XXXX-never applied for credit XXXX XXXX XXXX applied for credit XXXX XXXX-never applied for credit *XXXX XXXX XXXX -never applied for credit
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I noticed a debt placed on my credit report from CBE Group from XXXX XXXX ; stating that I opened an account with them in XX/XX/XXXX. This is inaccurate because XXXX XXXX was not servicing the area I live in and I have been with another Cable Provider from XX/XX/XXXX - until this present time. So the date of the open account is inaccurate and false information. And if this indeed a bill older than the year of XXXX this needs to be deleted. 
The amount of the charge is {$350.00} which I have mailed a letter to all 3 credit bureaus disputing this issue and mailed a letter to CBE Group.
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have excessive student loan debt with Navient. My loans were placed into programs that do not allow for them to qualify for the public service forgiveness program. I was under the impression my loans would qualify, however when I submitted my paperwork I was denied and it was stated my loan terms did not qualify. This was never communicated to me when my loans were acquired. I have only ever worked in the XXXX XXXX field. My loans are a financial burden ; I basically work to pay my student loan debt. I have had to cash out XXXXks and still am nowhere close to paying them off. The compiled interest makes it impossible to payoff until I retire ; I owe almost 2x the amount I originally borrowed.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2019 I requested that all interest charged to my Bank of America account be reimbursed to me. 

A XXXX XXXX, 2019 letter from Bank of America credited my account {$.00} of the approximately {$940.00} requested.