davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

My complaint is against  XXXX  and Money recovery nationwide.     I settled all debt that i had wit h Money Recovery Nationwide back in the  beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle two account with the collection agency.  One  of those accounts that i settled was for   XXXX   XXXX  . It was removed from my  XXXX  report but not my   XXXX   report. I filed a dispute once i saw that it had not fell off of my  XXXX  report. Today when i checked my credit report again, it is still there. So i called  Money Recovery Nationwide tod ay and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all three credit agencies on  XXXX / XXXX /  XXXX  , and that i need to call  XXXX  to have them remove it. So i called   XXXX   and they told me that  Money Recovery  had never report that the account was settled on  XXXX / XXXX /  XXXX  , the also said that the last time Money recovery reported was on  XXXX / XXXX /  XXXX  . I let them now that i have my bank statement proving that i paid off my debt money recovery and they said it did n't matter. They also said that i had to call money recovery back because they are the only one who can take it off my credit report. I called  Money  recovery back after my frustrating conversation with  XXXX  and told them what  XXXX  said and they told me again that they had reported it on  XXXX / XXXX /  XXXX  . They also told me to call   XXXX   back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to  XXXX  they should remove it from my account. I requested that  Money recovery send me a settlement letter stating that the accounts were settled and reported to  XXXX . I  settled this account going on 2 months ago and it is still on my account, negatively affecting my  credit score. it is a bsolutely ridiculous.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D. SCOTT CARRUTHERS (CA)

I have repeatedly told this debt collector that  they may no t call me at my place of employment. I told them they can continue to call my cell phone or contact me by mail regarding the debt. But they continue to call my place of employment. When I have spoken to them on the phone they are very rude and will not acknowledge that I have told them to stop calling me at work.     Debt collector : (  XXXX  )  XXXX  Law Office of D  Scott Carruthers   XXXX   XXXX   XXXX  #  XXXX   XXXX , CA  XXXX
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (MS)

I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX ,  XXXX , Transunion we found out they all out sourced  ALL AMERICANS CREDIT INFO , to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them, " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in this way!
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rauch-Milliken International, Inc. (IL)

I was contacted by  Rauch-Milliken International , I  XXXX  on behalf of  XXXX   XXXX    XXXX   concerning an outstanding obligation of {$1300.00}. The amount due was related to advertising in the  XXXX   XXXX   XXXX . I was disputing the amount due with  XXXX   XXXX  since the advertising provided was late and it was not in the agreed upon format. The account was turned over to  Rauch-Milliken f or collection and they proceeded to send threatening letters suggesting they would purse asset attachment or seize my bank accounts unless I paid the outstanding balance immediately. I also received several harassing phone calls threatening the same. The representative suggested he was calling from an attorney 's office as opposed to a collection agency. I explained that I was in discussion with Home Pages directly and that I was disputing the amount due but they continued to call repeatedly. They also contacted my employer despite my instructions to only contact me on my cell phone. In addition, they sent a threatening fax to my attention at my work fax number. I spoke to a  Rauch Milliken re presentative on the phone on two occasions and in both interactions the representative threatened legal action, used profanity, and even called me a " dead beat '' for not paying my bills. This company is completely unprofessional and their collection tactics are in direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

Ocwen mortgage foreclosed on my home XXXX while my mortgage was being processed for a modification. I retained an Attorney and Ocwen rescinded the foreclosure. XXXX XXXX. My credit report reflects my property is forclosed. I was recently declined an employment opportunity because Ocwen incorrectly reporting my mortgage to the XXXX credit Bureaus XXXX, XXXX, XXXX .Please Help
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$82.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$3100.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Online I we nt to www.AnnualCreditReport.com to get the one free cred it report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.     MY COMPLAINT : Equifax and   XXXX   both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words,  XXXX  and Equifax put up every possible roadblock to make it difficult to obtain t he one free cr edit report per year that citizens are entitled to by law.     MY REQUEST : Please make Equifax and  XXXX  comply with the law and provide citizens with one free credit report per year ONLINE like TransUnion does.     Thank you
Consumer complaint received 2017-04-25
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. (MI)

Equifax has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

My loan is service d by Navient and has  incurred high interest rates. This is a loan fro m 2005 an d I currently an active student pursuing my  XXXX  Degree. There are errors within this loan.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On  X/XX/17   , I requested  XXXX   & E quifax to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from Equifax that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Consumer complaint received 2017-04-27
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: SYNCHRONY FINANCIAL (CA)

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name SYNCB/ROOMS TO GO Status Paid, Closed.   Date open ed  XX/2014  Deta ils Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Consumer complaint received 2019-08-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (NJ)

Collection Agency : ONLINE Information Services XXXX. XXXX XXXX XXXX, NC XXXX USA This is a medical debt collection. According to XXXX, medical debt collections are not to be reported until after 180 days. 

XX/XX/19 - Collection agency received account ( {$170.00} balance ). 
XX/XX/19 - Payment sent of {$50.00}. 
No communication, statements, anything from collection agency between XX/XX/19 and XX/XX/19. 
XX/XX/19 - Reported to credit bureau are unpaid. 
XX/XX/19 - Attempted to call and resolve without resolution.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX CREDITIOR CLASS MEDICAL/HEALTHCARE CLIENT   XXXX   XXXX   XXXX   {$940.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX  ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX  CREDITIOR CLASS  MEDICAL/HEATH CARE  CLIENT   XXXX   XXXX    XXXX  {$1200.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My complaint is against  Exquifax  and  XXXX    XXXX   XXXX  .     I settled all debt that i had with  XXXX   XXXX   XXXX  back in the beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle  XXXX  account with the collection agency.  XXXX  of those accounts that i settled was for  XXXX  dollars. It was removed from my  XXXX  report but not my equifax report. I filed a dispute once i saw that it had not fell off of my equifax report. Today when i checked my credit report again, it is still there. So i called  XXXX   XXXX   XXXX  today and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all  XXXX  credit agencies on  XX/XX/2017   , and that i need to call equifax to have them remove it. So i called equifax and they told me that  XXXX   XXXX  had never report that the account was settled on  XX/XX/2017   , the also said that the last time   XXXX   XXXX   reported was on  XX/XX/2017   . I let them now that i have my bank statement proving that i paid off my debt   XXXX   XXXX    and they said it did n't matter. They also said that i had to call   XXXX   XXXX   back because they are the only one who can take it off my credit report. I called  XXXX    XXXX   back after my frustrating conversation with equifax and told them what equifax said and they told me again that they had reported it on  XX/XX/2017   . They also told me to call equifax back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to equifax they should remove it from my account. I requested that  XXXX   XXXX  send me a settlement letter stating that the accounts were settled and reported to equifax. I settled this account going on 2 months ago and it is still on my account, negatively affecting my credit score. it is absolutely ridiculous.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

My student loans are in default. I have entered into a payment arrangement with  XXXX , the collection company for the loan issuer. Th e   XXXX   XXXX   XXXX   tells me  they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( the default ) h owever, they should have to report my payments and show that I am trying.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (IL)

I had an account with  XXXX   XXXX   XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact  XXXX   XXXX   XXXX  to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to  XXXX   XXXX   XXXX . They claim they have not received the equipment and they are unsure of where it  XXXX  be. I have been calling them at least twice a week for the past month and half. No one at  XXXX   XXXX   XXXX  seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact  me within 72 hour  s of creating an investigation as to where my equipment may be. As of now it  has been  XXXX  days later and still have n't received a response. As a result of that,  Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

years ago (  XXXX  and prior with no negligence was the last payment made, and  may  have been before  XXXX  ) i used  XXXX  for my cell phone company. i decided to change phone company 's due to the price difference. i called  XXXX  and let them know and they then shut my phone completely off after paying the last months bill.  XXXX  then continued to bill me on a monthly basis until the bill got up over a thousand dollars, even after calling them numerous times and kept explaining that i no longer use them and the phone was not even working any longer, and i am not paying for a service that is no longer in service, and i am not paying for a bill, i did not use while being billed.  XXXX  held on to the continued bill for about numerous years trying to get me to pay for something i continued to tell them i did not owe.   On  XXXX  of  XXXX  I had a credit check done on me in order to move into a new apartment and found that the phone bill was on my history and also indicated that the status was closed, but opened  XXXX  of  XXXX , yet with a current balance of {$1300.00} but was through a different collection agency other than  XXXX . ( i have a copy indicating the different dates and totals from the managers where i currently live ).   I never made a payment on this bill because I did not owe it ...   The date is now  XXXX / XXXX / XXXX , and had my credit checked again in order to move in to another new apartment and my report stated that another third party agency, " Convergent agency '', has now taken it over and says it was opened was on  XXXX , with a balance of {$1100.00} ( i never made a payment on this ) falsely showing both a price indifference and indicating to the new apartment that this bill is only a year old. When in fact, the bill is past the statue of limitations for Minnesota where i reside  ( 6 years ).  Due to this illegal action through the third party "    Convergent  ''  , I will not be able to move in to a new apartment unless this is resolved immediately. ( there is absolutely no felony or misdemeanor, nor do I have any debt ... a clean record ) I tried to call convergent and got a loud noise in my ear and the phone call ended ( it was not a fax number ).
I called T-mobile   and the only information they said they had in their computer was that it was given to " Convergent '' on  XXXX   XXXX ,  XXXX . Which shows another lie typed on my report done by convergent, saying it was opened on  XXXX  ( that alone is a almost a 4 year difference from when  XXXX  claims they gave it to them  ) .
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (NY)

i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i called the number on the websit e 3 separ ate time it put me on a line with someone who does n't even sp eak English. H ow can the major credit unoions have customer reps that dont speak very good english and the fisrt thing they ask for is your social security number to start. thanks