davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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. (NV)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding an account with your company, which has been included in my recent bankruptcy proceedings. Despite numerous attempts to have this account correctly marked as " included in bankruptcy '' and removed from my credit report, I continue to face challenges in resolving this issue. 

The account in question is associated with the following details : XXXX XXXX Balance Owed : {$0.00} and this account was among those listed as part of the bankruptcy filing. According to bankruptcy laws and regulations, accounts included in bankruptcy should be accurately reflected on my credit report with the appropriate notation. 

My attempts to rectify this situation have been extensive, including multiple letters, emails, and phone calls to your company 's customer service department. However, despite my efforts, the account continues to be reported as active and unpaid on my credit report, negatively impacting my credit score and financial stability.

I want to emphasize the importance of resolving this issue promptly. As I work to rebuild my financial health after bankruptcy, having this account incorrectly listed as active severely hinders my progress. I am requesting the following actions to rectify this situation : I kindly request that you promptly update the status of the account associated with XXXX to accurately reflect that it was included in my bankruptcy filing. This notation should be reported to all major credit bureaus. 

Please take the necessary steps to ensure that the corrected information is reflected on my credit report as soon as possible. I understand that this process may take some time, but I request your assurance that it will be resolved accurately and expeditiously. 

Upon completion of the necessary corrections, please provide written confirmation that the account has been accurately marked as " included in bankruptcy '' and that this information has been conveyed to the credit reporting agencies. 

I believe that by resolving this matter promptly and accurately, we can ensure that my credit report reflects my financial status correctly and helps me rebuild my credit post-bankruptcy. Failure to address this issue may result in legal actions, as inaccurate credit reporting can have serious consequences. Please help me remove this account : XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT EXPERIAN IS REPORTING ANOTHER PERSONS CHID SUPPORT ON MY CREDIT. 

STATE OF MICHIGAN CHILD SUPPORT - DATE XX/XX/2019 - AMOUNT {$830.00} -
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mutual Management Services LLC (GA)

I have submitted a complaint and it was closed. This company stated that they applied the {$960.00} to my balance in XX/XX/2022 and they did not. In addition, they did not present a signed company of lease agreement and the lease agreement is crucial to the determination of this matter. It is my argument that I have paid these people in full. They have put this on my credit in an attempted to create a hardship for me and to force me to pay money that i do not owe.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (GA)

I have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau Equifax, XXXX, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. Equifax, XXXX, and XXXX are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked Equifax, XXXX, and XXXX to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, and DEPT OF ED/XXXX XXXX XXXX Please remove these accounts ASAP.
Consumer complaint received 2023-10-09
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

Hello, My loan servicer is EDFinancial. I applied for the SAVE program first on XX/XX/2023. I was denied by my servicer because they needed tax information? I uploaded my information and submitted a new application on XX/XX/2023. In the Federal Student Aid website it tracks the progress of my application. According to the website my application review was completed by EDFinancial on XX/XX/2023. It says that my loan servicer will reach out to me regarding my application. They never did. I went into my account and there is no information regarding my application. Now I am late on my first payment because they never updated the information about my application. I tried calling three times and each time the wait was over 9 hours to speak to someone. I opted for a call back and they never did. I also reached out via their chat system and it said I had to speak to a representative. I sent an email to them as well and they haven't responded. I do not want my account to have a negative track record because of their lack of response. Others are struggling with this issue with this servicer as well. Please help! I need to know what to do.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION (PA)

I submitted this complaint in XXXX : Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account. 

The company replied in XXXX and gave me a number to call. However, the number is not active and says its local to XXXX. When I try calling them, they tell me theyre having problems with their system and cant view my account. I tried emailing but they just told me to call customer service. Basically, theres STILL no way for me to talk to an actual person who knows anything and I have little time left to enroll in the Account Liquidation Program they finally submitted to. 

Also, I repeatedly over the last few months or so ( as long as I have been having issues with them enrolling me in this program and straying payments ) have asked the company to stop reporting my missed payments to the credit bureau and adding interest to my account. However, they are still doing this and its further ruining my credit score. I once again ask that I get a phone call from an actual person who has knowledge of this situation and for them to rectify the reports on my credit.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-10-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account type : Collection, Account name : XXXX XXXX XXXX, Account number : XXXX, Account type : Collection, Account name : XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (NC)

I ran a 3B report today and found out that CBE Group was reporting that I owe them {$55.00} for a collections account from XXXX XXXX. The report is stating that the account was open on XX/XX/XXXX, which is making the collection issue a " fresh '' issue instead of an older collection account. Furthermore, I have no paper work with my signature stating that I have authorized CBE Group to do business with me. They are damaging my credit and I am unable to seek additional credit from various local companies XXXX XXXX XX/XX/XXXX and was closed XX/XX/XXXX. Well over two years ago this account was closed. The account with CBE Group is XXXX and the PAID Approval Code is XXXX
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (IA)

This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

I was double billed with Fed Loan Servicing and when I called to request a refund of the money they told me it would take 45 days. The Fed Loan Serving representative with employee ID number XXXX was also very rude and told me it was my fault. I ended up having to go to my bank and tell them it was an unauthorized refund to get my money back. Fed Loan Servicing is absolutely the worst company.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX XXXX XXXX is withholding {$29000.00} of our funds for a period of six months. They have claimed that this is to protect against chargeback claims on our account that might arise. However, in about 7 years of using them for our merchant processing, we have only received less then 12 chargeback claims, total. 

Chase XXXX chose to end our business relationship. That is their right and we accept that. However, we have an absolute right to the funds they are withholding. Continued withholding of these funds significantly impairs our ability to operate as this is cash flow that we need to function on a day to day basis.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Multiple calls, offensive, pushy, rude, demanding threats made by callers. Called today XX/XX/18. Owe XXXX to a past apartment community which did not provide written statement until a month after we moved. Immediately our account was transferred to IQ Data. We called and the account was not there st the time and was told to call in 30 days. Since then, multiple harassing phone calls have been recieved although we have stated we will take care of the bill via mail.
Consumer complaint received 2019-11-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Discovered on a credit report ( XXXX XXXX ) an open account under collections. 
Information on the report : Fair Collections and Out 09 XXXX XXXX XXXX in Maryland {$2400.00} XX/XX/XXXX I have lived in Florida since XXXX. I have not rented any property in Maryland,. I have owned my own home and property in Florida at the same address for more than 30 years. I have attempted to tell Transunion on line, phone call and by snail mail that this is not my debt. They have stated that they did an investigation and will not look at the debt again. I do not understand how this was possibly investigated. This is NOT my debt. I have never heard of this address or the company involved. 
I have no information from the company related to this debt. I can document my residency in Florida since XXXX. 
Thank you
Consumer complaint received 2019-11-19
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. (MI)

I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX   Charge off opened XX/XX/XXXX, XXXX  XXXX  XXXX  which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for XXXX $
Consumer complaint received 2019-11-19
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. (GA)

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The accounts attached in the file are medical related accounts that do not belong to me. These accounts are extremely damaging to my credit score and I have been denied credit due to MEDICAL accounts I do not owe and do not belong to me. This violates the FCRA, HIPAA, and even if the accounts belonged to me, this would be a Breech of Security due to the fact that medical information were released to third party companies. THat would be a Breach of Security! Please remove these accounts as the Original Creditors nor collection agencies are able to provide documentation or a contract showing that this debt belongs to me. There are no wet signatures or contracts under my name that say I owe this debt. This could belong to another XXXX XXXX. Please REMOVE THIS IMMEDIATELY as it is a {$1000.00} fine for each violation I DO NOT CONSENT TO XXXX or any other automated verification system! If verified, please provide names, contact information, and actual documents used to verify!
Consumer complaint received 2017-11-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

To : LOANCARE our mortgage servicing company. 
Since XXXX XXXX, XXXX you have increase our monthly mortgage payment from {$3600.00} to {$4400.00} by incorrectly calculating our property taxes. I have enclosed all the County contact information and documentation that would be required to correct this matter forthwidth. 
My wife and I have made serveral attempts to contact your Customer service department and have forwarded any information under ( Ticket # XXXXXXXXXXXX ) XXXX/XXXX/XXXX that you would need to correct this matter but yet you have continued to collected escrow monies beyond legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ) We are DUE are refund from our escrow account Under the legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ). 

We are once again are needing to send additional information to your escrow deptment since we are not alllowed to speak to anyone in your escorw department. 
Below here are escrow calculations XXXXX Mortgage COMPANY who you aquired our mortgage Calculated our Escrow monthly payment of {$880.00} based on county property taxes for just the land of 2 annual tax payments of {$1600.00} and 2 annual supplemental property tax payments of {$2000.00} the last supplemental tax was due XXXX XXXX, XXXX in spite of the fact you had excess money in our Escrow account and To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Tax The supplemental tax payments were temporary until the XXXX XXXX tax year after which re-assesment of the land and home combined in a supplemental tax would no longer be required. 

We have in XXXX XXXX forwarded you our new County property tax Statement under ( Ticket #  XXXXXXXXX ) for your escrow department to correct your Escrow calculation errors. You have yet to adjust our monthy automatic checking account withdrawal. 

At the begininning of the tax year we requested that you pay our suppliment property taxes and you reluctantly did make a tax payment of {$2000.00} by XXXX XXXX, XXXX but told us that you would not make the last supplemental tax due XXXX XXXX, XXXX in spite of the fact to had excess money in Escrow account. To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Taxes We have attached our our County Property Tax receipt to show we have Paid our Taxes That you refused to pay. 

Escrow County property tax Calculations {$5100.00} Due XXXX XXXX + {$5100.00} Due XXXX XXXX, XXXX = {$10000.00} / 12 = {$850.00} {$850.00} * 2 = {$1300.00} {$5100.00} + {$1300.00} + XXXX = {$7300.00} maximum allowable escrow balance Current Escrow Account Balance : {$15000.00} If you have any questions about our past or current property taxes you have the information of our county tax collector including phone number and addresses.