davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Consumer complaint received 2017-06-28
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. (NC)

X/XX/17 I went to a car dealership to try and purchase a vehicle. After viewing my score on XXXX XXXX. The dealership pulled my Transunion score and it was 100 points different. Needless to say they declined me. I ordered my report direct from Transunion and it read XXXX different from the dealership XXXX. I then called Transunion and spoke to 2 customer service representatives and a manager who all said the dealership was pulling a different scoring model. And they had no control over that. I asked the dealership which model they pulled. Fico is what they pulled and Transunion said I was getting XXXX on a XXXX. I called Transunion back to ask how do I see my Fico report to make sure the information was mine and understand why my score is so low. Transunion representative said they only have the XXXX report. I can not believe I have no way of challenging this erroneous low score. This is dispare treatment.
Consumer complaint received 2017-06-29
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have  attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (IL)

I took XXXX XXXX XXXX to court onXX/XX/XXXX regarding a {$1500.00} bill. They XXXX out the balance during mediation, rather than risk my winning in court. I checked my credit report shortly after the court date and noted that the debt was actually removed from my credit report, prior to the court date. <P/>Today (XX/XX/XXXX ), I received a credit alert and found that the XXXX XXXX XXXX debt is back on my credit report.I contacted the agency, Diversified Consultants, and they told me that they did not report it ; and even so, they told me that they do n't remove items from credit reports. I asked to speak to a supervisor, who told me that XXXX XXXX XXXX recalled the debt, but that they did not actually report it to the credit bureau. After I insisted that it was on my report, I was told to send them screen shots of my credit report and that they will get back to me. <P/>The fact that they told me they do n't remove items from credit reports, and the fact that they are unable to even locate a record of the report, leads me to submit this complaint. <P/>I have submitted a photo of the letter from XXXX XXXX XXXX 's legal counsel, as well as the screenshots of my credit report that I was forced to send to Diversified Consultants, since apparently they do n't keep records of the debts they send to the credit bureaus.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I have called experian twice regarding my credit report and unauthorized hard inquiries as well as addresses listed on my account.   Those items were  XXXX   XXXX   XXXX   XXXX  mo  XXXX   XXXX    XXXX     XXXX    XXXX   XXXX   XXXX  mo  XXXX   XXXX  hard Inquires   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   inquiry.  XX/XX/XXXX As well as an account linked that i would like removed This is not my account and preventing me from establishing a home Credit acceptance-  XXXX  This was placed on my credit report by experian with out recieveing contract to verify. Please delete
Consumer complaint received 2017-06-28
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. (TN)

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXXXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX Solutions ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called Hunter Warfield. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on Transunion and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX  my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on Transunion and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Consumer complaint received 2017-06-28
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: AES/PHEAA (DE)

My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by FedLoan Servicing and then again  by US departmen t of education. All of my student loans were refinanced and consolidated into  XXXX  loan  in 2012, but yet  my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from   XXXX   XXXX   to FedLoan Servicing and then from FedLoan Servicing to US dept of Education. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan afte r in 2012. I   am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after  the 2012    refinance because my loan has remained in auto payment with  XXXX   XXXX  and remained in auto pay even after the current loan was transferred to  XXXX .
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc. (NY)

In XXXX XXXX, I received a letter about a debt stemming from a XXXX XXXX bill. The account was reported shortly after to the credit bureaus. When I called up to discuss a settlement offer, the rep told me that if I settled the debt it would be removed from my credit report. This seemed legit as this was noticed following a XXXX XXXX XXXX collect account. After debt was paid, company is unwilling to stop reporting as the rep indicated it would be the case. The rep used false promises to get me to pay the debt.
Consumer complaint received 2017-06-26
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. (FL)

Experian is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and  correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, 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. (NY)

On XXXX XXXX XXXX I successfully completed the Federal Loan Rehabilitation program and all negative payment history should have been removed from the XXXX XXXX XXXX XXXX ( XXXX ), reported by Experian, however entire trade line has been removed. Repeated attempts have been made by phone ( by myself and XXXX ) to correct issue as well as by XXXX submitting numerous updates to have issue correct. Experian was stating that XXXX has been submitting data in wrong format but this format is recognized by XXXX  as correct. The other two main bureaus are showing and reporting accurate information from this account. Experian has been most difficult in correcting this. They stated to XXXX that I have a right to dispute inaccurate information however I can not because the information is not being reported.
Consumer complaint received 2017-06-26
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. (FL)

XXXX is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. My credit report is to be updated to reflect a forbearance status for the months indicated below. Dept of EdXXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. Place in forbearance on XXXX XXXX and retroactively backdated to cover past due periods of XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) : Placed in forbearance on XXXX XXXX and retroactively backdated to cover the past due month of XXXX XXXX. Placed in forbearance on XXXX XXXX and retroactively backdated to cover past due months of XXXX XXXX - XXXX XXXX
Consumer complaint received 2017-06-26
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. (FL)

Trans Union is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Credit report are to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and  retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2017-06-27
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: CITIBANK, N.A. (OH)

XXXX XXXX is reporting an acct on my XXXX that I never owned. They site Citi Bank as the original creditor, but Citi Bank has verified that thy have no record of any accounts for me. I have never had an account with Citi Bank. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the City Bank account is XXXX XXXX, {$3200.00}.