davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Hello, I am writing a complaint, due to your false reporting of information on my credit file. There a re two judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Equifax or  XXXX  or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the County Clerk and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can  XXXX  or Equifax or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a   credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgmen t 2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I hav e one judgem ent that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX is inaccurate - provided valid information that debt and all corresponding data should be deleted as discharge agreement I have no responsibility for that account.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

As student loan repayments were starting back up, EdFinancial sent me a statement in XXXX that reflected my payment for my income-driven plan, which was around XXXX XXXX/month. Closer to XXXX, they sent me a different statement for XXXX XXXX/month. On XX/XX/XXXX, I called them to find out why, and they said I had been changed to the SAVE plan. I told them I never submitted anything to be switched and asked why they switched me, but the representative didn't have an answer. I asked to be switched back, and the rep said it would take up to 32 business days, and I still had to make the {$970.00} payment for XXXX. 

Over 32 business days later, I called them on XX/XX/XXXX to find out why the change hadn't been made yet. The rep at that time saw the previous request but didn't know why my plan hadn't reverted back yet. She told me she was placing my request in an emergent status, especially since my account is soon transferring over to XXXX. She then placed me on hold to try to get ahold of her supervisor, which was to no avail. She said she tried to make more calls, but she still received no reply. From there she said I could simply go into delinquency if I wanted to, and I would have to wait for a call back at a later time. Not trusting that, I again had to make another {$970.00} payment. Now into XXXX and my account closer to transferring to XXXX, my plan has still not been changed back to my plan that was supposed to be good until XX/XX/XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (GA)

In XX/XX/2023, All student loans under my SSN were transferred from EdFinancial to XXXX as part of the forgiveness process from the United States Government for my service to my country. In XX/XX/2023, While the other XXXX Credit Bureaus were correctly reporting all my students, XXXX continued to reflect EdFinancial on my credit report. I immediately reported a dispute on my credit report, only for XXXX to report that EdFinancial reported the account as accurate. 

I got into contact with EdFinancial, who immediately reported that there was no account under my XXXX and that XXXX was providing me with an incorrect Credit Report from XX/XX/2023 to the present time. 

Since XX/XX/2023, I have provided XXXX with Sufficient Documentation from EdFinancial and the US Government that shows I have no student loan debt. However, they continue to report the XXXX accounts under my name and XXXX, hindering my ability to purchase a home or car at affordable rates due to my credit score being impacted as a result.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.
I have contacted XXXX where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.
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Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. XXXX is reporting to TransUnion This issue with XXXX has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.
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As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.
Consumer complaint received 2017-07-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (UT)

A complaint was previously filed however, " AD ASTRA '' has failed to comply with FDCPA violations, which have not been adequately addressed in their " reply '' to the initial complaint. 1 ) They failed to provide me notice of how to dispute this or validate this " account '' when they acquired it. 2 ) After I  mailed two separate correspondences to request validation, they failed to respond to either or send the requested documentation. I specifically asked for documents showing an original loan amount with a break down if fees, interests, and payments, so I could determine if this amount claimed owed is not only owed, but reflects an accurate amount. 3 ) After failing to respond in written correspondence and provide that information, they replied to the initial complaint however, this was n't all the information I needed, and I did n't receive amt documentation requested. 4 ) After they failed to provide information to verify everything requested, they also ignored a written request to cease and desist collection due to failure to comply with FDCPA regulations and continued to try collect on this corresponding only in the " company reply '' to the complaint, I provided my contact information months ago, and have not received the requested documentation or satisfactory reply. The original creditor has provided documentation in response to the initial complaint however, AD ASTRA has failed to provide documentation of what they are attempting to collect and reporting, which was different from what the creditor sent.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Pennymac drastically under estimated our escrow account because they did not look at the actual tax bill, they look at what was paid the previous year ( we only owned the house from XXXX-XXXX  that year ). This seems negligent because our tax bill was put out in XXXX and our escrow analysis was done in XXXX. They had access to the accurate numbers yet chose to use inaccurate numbers. Due to this inaccuracy we had a deficate in our escrow account and now they are raising our mortgage payment 40 %, our payment is going from about {$1200.00} to about {$1700.00}. I have spoken with several different representative at Pennymac trying to figure out how they allowed this to happen and why they take no responsibility for their inaccurate estimate even though the correct information was available for them to use and each person gives me a different story and excuse and all refuse to admit there is anything wrong about the situation.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (CA)

XX/XX/2019-XX/XX/2019 I noticed account on credit file and have attempted to resolve this fraudulent account on my credit account I have been unable to resolve issues with this account and company
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX XXXX XXXX XXXX, started reporting a debt on my Equifax report as in collections. Stating that this is an old XXXX XXXX Account. The account in question has been closed since XX/XX/XXXX and charged off by XXXX. Date Reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX, Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$1300.00} Account Number XXXX XXXX Amount {$1300.00} Creditor Classification Financial Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX The DoFD has been re aged by this collection agency. I have reprinted copies of my XXXX XXXX XXXX from this account that clearly shows a XX/XX/XXXX date.
Consumer complaint received 2017-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called XXXX and told them it 's a lot of unauthorized inquiries on my credit and that I called some of them on my credit and the number disconnect and some of them do n't have i number the representative told me it 's nothing that they can do and I told them that the company on my credit report multiple time and the representative hang up the phone so I called back and told them the same thing and XXXX have my name wrong on my credit report and my address and I been calling them like 5 times a day to get this right
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.
Consumer complaint received 2017-07-14
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: ALLY FINANCIAL INC. (FL)

ON XX/XX/XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XX/XX/XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Consumer complaint received 2017-07-14
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: Bread Financial Holdings, Inc. (FL)

im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Transworld Systems for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2017-07-26
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. (NY)

XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Consumer complaint received 2019-10-04
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. (PA)

XXXX Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was aware of a computer glitch that was on TransUnion part. My credit inquiries were deleted, and reappeared back on my credit report. I understand that TransUnion had 5 days to notify me and they did n't. I called and the representative was of no help at all and was very rude. I asked to be transferred to a United States rep and was hung up up on.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business & Professional Collection Service Inc (NV)

I discovered I am a victim of ID theft, over 20 medical accounts were fraudulently put in my name. Patient used my name to go to the ER at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. There were also fraudulent bank accounts opened at XXXX XXXX and XXXX XXXX. Two credit cards at XXXX, XXXX XXXX XXXX Per FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the informat
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.
Consumer complaint received 2019-10-06
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. (OH)

XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted XXXX, Equifax, and XXXX XXXX.
Consumer complaint received 2017-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following inquiries were taken off my TransUnion credit report and then added back on. The law states that they must notify me that they were putting the inquiries back on my report and failed to that. I never authorized these inquiries and TransUnion took them off. They put them back on my credit report without my knowledge and did n't send me a letter saying that they was putting the inquiries back on my credit report. XXXX/XXXX XXXX XXXX 2017, XXXX/ XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX 2017.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch (CA)

I was prequalified for a mortgage loan through Cal Atlantic mortgage, i put a down payment on a new home in XXXX California, we suppose to be able to move by XXXX XXXX. Was pequalified in XXXX XXXX.My son was signing with me on the loan. XXXX XXXX was the loan officer, she said as long as me and my had employment in the area we were living we would be able to get the loan, plus i was putting down over 40 percent in a down payment. I was able to get a transfer with safeway to the area we were moving. My son was not able to get a transfer with XXXX, XXXX said it would ok aslong as he got a job in the same industry it would ok.So my son XXXX got as job about sixweeks later. He was hired aT XXXX XXXX, same industry. He started in early XXXX. We were told through Cal Atlantic our House would not be ready til early XXXX. Since mid XXXX we had been staying at extended stay hotels in XXXX california, we had tobe out of our house in XXXX XXXX in XXXX. Once XXXX started his job XXXX started the loan process again.She was constantly asking for more paper work, paper work that, i had already faxed. She was very unorganized, very hard to communicate with, i would call her she wouldnt return my calls or emails.So the whole time this has been costing us alot of money staying in hotels, i have my mother who is XXXX, and my XXXX year old grand daughter who im raising.XXXX came around we were waiting for the lo.n to go into escrow. XXXX underwriter kept asking for more and more paperwork. then on XXXX XXXX XXXX called me said our loan was denied because of me and my sons jobs, that because i was transfered with my company i have been with30 years. We never received a letter from CAL Atlantic saying why we were denied. I had to find another lender, who instantly gave us an approval. We finally moved in our new home on XXXX XXXX after spending thousands of dollars in extended stay hotel
Consumer complaint received 2017-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc. (KS)

ARS National Services , Inc.  keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act,  15 USC 1692c, 805 (  c ) : ( c ) CEASING COMMUNICATION. " 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 ... '' They still persist. Latest contact from them was dated   XXXX   XXXX   XXXX    .
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.