davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
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. (IL)

My ex husband used my personal information to open this credit card account without my permission. Once I found out about the card, I attempted to maintain it and make the minimum payments but struggled doing so. 

XX/XX/2017, I closed the account due to high interest and set the payments on autopay. Somehow, the autopay payments weren't being received resulting in several late payments on my credit. 

Once I was made aware of the derogatory status, I got caught up on the payments and as of the past couple weeks, I've paid the account off in it's entirety. 

Though, I did my best in maintaining this card, the fact remains that it was opened fraudulently without my permission.
Consumer complaint received 2018-05-25
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. (KS)

I have a hard inquiry on my credit file from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX sent me a removal inquiry letter because they pulled up my credit report by error. I spoke with TransUnion customer service her name is XXXX, she told me to fax the XXXX XXXX XXXX removal letter to her XXXX and she is going to have that hard inquiry removed. I called the next day to make sure she received the fax and the customer service told me that she did not receive it. I called again and spoke with XXXX in customer service and she had me re-send the fax to her, I called to confirm if she received the fax and she told me that they did not receive it. On the XX/XX/XXXX I called TransUnion customer service again and I spoke with XXXX and he told me to re-send the fax and that he could not see that I sent a fax. I also confirmed the fax number with him again. Since the first conversation on XX/XX/XXXX I sent the XXXX XXXX XXXX removal letter a total of 4 times and they keep saying that they are not receiving it ... I find that very inconvienient because I am sending faxes and it is costing me money. TransUnion is not following the law by not following the Fair Credit Reporting Act. I am going to be attaching the faxes that I sent and also will be attaching the XXXX XXXX XXXX removal letter.
Consumer complaint received 2018-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo notified me that my escrow account was {$870.00} short. I call to ask why. I was informed that my homowner 's insurance and taxes went up. I contacted both agencies and neither amounts changed. I faxed statements from both XXXX and XXXX XXXX. XXXX XXXX. I am asking for a reevaluation of this deficit. I also have XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

A collection was added to my credit report in the amount of {$730.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2021-02-16
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. (CA)

I contacted XXXX XXXX XXXX on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to XXXX  on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX is the new loan 's trade line entry. All my loans are duplicated and they should not be.
Consumer complaint received 2018-05-24
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. (NC)

On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.
Consumer complaint received 2024-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Mohela is the servicer for all of my federal student loans. I am eligible for Public Service Loan Forgiveness, with some loan balances already forgiven, and remaining loans at XXXX, XXXX, XXXX payment counts. Two of my loans showed XXXX payment counts. Mohela customer service told me in early XXXX  to just keep watching, the payment counts would update in time. The payment counts on the two loans with XXXX payment counts have never changed, despite loans with later disbursement dates being forgiven already. 

I started a consolidation loan on XX/XX/year>. Eventually, these two loans with XXXX payment counts would be excluded from the consolidation loan, for the reason that they showed 'in school status '. XXXX said they could see in the XXXX that the loans had entered repayment multiple times, and to ask Mohela to correct the error. 

I have now been working with Mohela for four months to correct this error. I have logged more than 40 hours on the Mohela phones, with documented screenshots of hold times and detailed notes. I have had four different escalated cases with the resolution team. Mohela managers admit that the two loans in question are 'stuck ' in in-school status. Once, they rebuilt my account, which fixed the issue for a week or so. Somehow the loans keep returning to in school status and still have XXXX payment counts for PSLF. 

As of now, XXXX has processed my XXXX document that I sent in before my 180 day timeframe expired, and the two loans were deemed eligible for consolidation. The consolidation loan is now closed and transferred back to Mohela. Yet Mohela accounts show them as in school, XXXX payment counts, and ineligible for consolidation. My Mohela account now also shows my total original loan balance, including loan balances that have been forgiven through PSLF in studentaid.gov and completely removed from my credit report. 

Given recent court actions in Missouri, I no longer trust Mohela to be a neutral servicer who is willing or able to manage my account details in a responsible manner. Rather, I feel my account is evidence of willful mismanagement in an attempt to retain account balances in order to generate funds through extended servicing, actions which are blocking me from my rightful ability to consolidate and proceed with PSLF, causing me harm.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

On XX/XX/XXXX, I paid my XX/XX/XXXX mortgage payment in the amount of {$1600.00} to Ditech and my XXXX XXXX XXXX account was debited on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from Ditech that my escrow account was short and noticed a late charge in the amount of {$59.00} was assessed to my account. I called Ditech and spoke with a customer service represenative about the late charge. During my conversation with the respresntative, the representative stated that I have until XXXX to make my mortgage payment and my payment was received at XXXX. I explained to the representative the cut off time for making mortgage payment isn't on the bill statement and I asked how would a customer know this information if the information isn't on the billing statement. The representative was unable to answer my question and advised a manager by the name of XXXX will call me back within 24 hours. 

As a result, the manager never called back and I received the XX/XX/XXXX billing statement stating my mortgage payment had not been received with the late charge assessed to my account. 



Thank you
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did. 
Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

I filled out a complaint on XXXX XXXX on XXXX  Complaint # XXXX and was seen if yall can send my respond to this email XXXX   cause I cant log in that one to see what they said and really need the complaint feel they just trying to stay on my credit long and show wrong amount owed
Consumer complaint received 2023-07-02
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX to reinvestigate these accounts : Account name : 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 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2018-05-24
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. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX Date opened>> XX/XX/XXXX XXXX  XXXX Date opened>> XX/XX/XXXX XXXX XXXX   XXXX  Date opened>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date opened>> XX/XX/XXXX
Consumer complaint received 2023-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am asking that you take immediate action to correct the errors that you have made on my credit report. I will not accept any further delays in resolving this dispute. If the inaccurate information is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. 

You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed and not providing me with a signature to validate the debt. And you sent a letter showing the correct owner of this debt. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report.
Consumer complaint received 2018-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am disputing the reporting of a 30-day-late payment to the credit bureaus by XXXX XXXX XXXX. This is in relation to an auto loan for which I am the co-signor. The auto loan is my dad 's - it is for his car and he makes all of the payments ( $ XXXX ). 

Something happened where my dad 's payment ( XX/XX/XXXX ) got returned, he didn't realize it, and so he became overdue past 30 days for the month and it was reported to the Credit Bureaus. It was at this point I became aware there was an issue because my credit score took a sharp dip. I was never contacted about the late payment before it was reported. I got in-touch with XXXX/my dad and we got it all worked out immediately. The account was brought back to current within the next pay period ( XX/XX/XXXX ). 

With the account current, I explained the situation to XXXX and asked them to remove the reported missed payment ( just for ME ) but they refused. They said that they do not do courtesy removals per policy. I tried disputing with TransUnion but they told me there's nothing they can do if the creditor refuses to remove the item. 

I am looking to shop for a mortgage soon and so repairing my credit is paramount. This late payment reported by XXXX is the single negative mark on my credit record but has caused a significant drop in my score. I just can't believe I am getting stuck with a detrimental " missed payment '' on my record when I was never contacted about a payment being late prior to it being reported ( on an account that's not even my own, no less ).
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I have a credit card with Walmart, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. XXXX XXXX is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn (NY)

First, I'd like to say thank you so much for taking the time to read my complaint. My issue is simply this, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, made a verbal agreement with me to settle a debt for {$500.00} back in XX/XX/XXXX. The original debt was for {$960.00} for a hospital bill to which the obtained my info illegally. To date, I already paid {$100.00}, which was back in XX/XX/XXXX. I did not make any further payments after noticing on their website that our {$500.00} agreement was not listed nor, could I see what the remaining balance was, which struck me as odd. Our verbal agreement had no time limit, dates etc. to which I'd be in default. XXXX XXXX never sent me an actual " stipulation settlement '' agreement via mail, email or otherwise for {$500.00}. I contact XXXX XXXX on a few occasions most recent ; XX/XX/XXXX and today, XX/XX/XXXX regarding default and legal papers that were sent to my home for original debt of " {$960.00} ''. I understand that this debt was to be paid, but I would like to know why I was not sent " stipulation settlement '' for the {$500.00}, and how can I be default of said verbal agreement? It's like it never happened. My concern was that if I paid the total of {$500.00}, I'd still get letter and court judgments for the entire balance. I gave XXXX XXXX my email address and my phone number on a few occasions. So, it's not that I'm trying to get away with not paying a debt, it's the principal of the matter, we had a verbal agreement. And, the fact that each time a debt collection agency makes an agreement with a consumer, there should be a discussion, followed up with written letter as to was the agreement is and what constitutes as being in default of said agreement. The most recent letter I received for a court appearance mentioned nothing of original agreement and still shows a balance of " {$960.00} '', which is still not correct. Any assistance would be greatly appreciate.
Consumer complaint received 2018-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

XXXX XXXX accepted a check from my company that was reported lost or stolen. A stop pay had been put on the the check. The XXXX customer closed their account before XXXX   realized the check had a stop pay placed. The XXXX customer is liable for the amount of the check, not my company. The XXXX customer committed fraud.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I look on XXXX XXXX  daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau XXXX  and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX   back they said they could not help me and transferred me to their parent company santander usa. Santander told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me.

XXXX XXXX