davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Strategic Financial Solutions, LLC (NY)

I entered a debt consolidation program after getting an email regarding a debt consolidation loan. I applied they said it wasnt a loan and I made payments since XXXX of XXXX. It has been XXXX months they are continuing to take money from my bank account when I thought they werent allowed to anymore after the lawsuit. I want all of the money refunded. I have reached out to the company I havent received a response yet. I have filled out. Stop payment and dispute for my bank.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I PAID MY FINGERHUT ACCOUNT IN FULL AND I NEED ALL THREE MAJORS CREDIT REPORTS UPDATED IMMEDIATELY SO I CAN BUY MY HOUSE NEXT WEEK. I DONT OWE XXXX PLEASE CORRECT MY BALANCE. THANK YOU!!!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mobiloans, LLC (LA)

On XX/XX/year> I sent a certified debt validation letter to Mobiloans with a return receipt and on XX/XX/year> I received a letter stating that Mobiloans did not have to validate the debt. Additionally, the letter that was provided had inconsistent information and dates.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I purchased a mortgage with XXXX XXXX  to payoff a home equity loan in XXXX  they in turn sold the loan to Specialized Loan Servicing Company. For XXXX  years now i have been calling emailing and fighting with this company and providing information that i am not in a flood zone. They have now placed forced lender flood insurance on me 3 times at a price of {$3300.00} - {$3100.00} per year. In XXXX i received a letter that my monthly payment was going up from {$1000.00} per month to $ XXXX. Although i have sent many FEMA maps, letters from the originial lender and attemped to speak to someone of authority at SLS I have been unable to get any help. They all say they don't know how I can get to a person of authority to speak to. On XX/XX/XXXX I finally purchased a flood insurance policy on my own and paid in full for the year I just called and through the recording found out that they also deducted payment for that policy which I had already paid in full.. I sent it to the mortgage company on three separate occasions with no acknowledgement. They state my escrow is short approximately {$7400.00} which is all due to the forced flood insurance. At the first of XXXX the did in fact deduct at payment of $ XXXX which I can not afford on a fixed rate mortgage. I am desperate at this point and do not know where to go for help.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX Credit Cards {$2100.00} {$3100.00} Both Cards have been charged off and it is a violation to report charge off accounts. 

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Porania, LLC (AZ)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Upon examining my credit report, I identified an unfamiliar account ( Collection Service of Athens XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific for this account. Regrettably, Collection Service of Athens has neglected to respond to my letter that was received on XX/XX/2024. Furthermore I sent a second attempt letter which was received on XX/XX/2024 and they still refuse to respond. They have failed to respond within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Solidus Group LLC. (HI)

i apply for job online a company name XXXX XXXX, through email i been asking my information including ssn id sign w-4, i been victim of scam and identify fraud the reason why my application was deny to apply for a job. please help me to resolve this fraud identity. thank you very much.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I keep on receiving a bill of {$2900.00} for late payments from my IDR. Even though my IDR was recalculated on XX/XX/XXXX with a monthly payment of XXXX. The first recalculation of XXXX was dated XXXX XXXX with a monthly of {$980.00}. This first calculation was incorrectly done by fed loan because they used my old tax form of XXXX which I had uploaded in XXXX that stated that I filed jointly with my husband now ex-husband. And it was used to calculate my 1rst IDR request of XXXX even though I had uploaded my current tax form XXXX which indicated that Im head of household and single. The error was made by fed load not by me. All the current files were uploaded to be reviewed by fed loan, and they failed in doing so. 
This is the timeline of dealing with this issue : XXXX I send my IDR re-certification, including current tax information and paystubs XXXX receive the letter of IDR monthly payment  recalculated of {$980.00} XXXX I make several phone calls to Fed Loan, talked to many different agents. Many without giving me a straight answer or not even knowing how to handle the issue. In between these dates I resend the IDR request on XX/XX/XXXX and include again current tax and paystubs XX/XX/XXXX XXXX I receive again the IDR monthly payment recalculated of {$0.00}. 
XXXX-today- they are saying that my account is pass due and now in severe delinquency XXXX- I email Fed loan about issue. 
XXXX- I receive an email response from Fed loan still saying that I need to pay the amount {$2900.00} because they claim that, were unable to receive a legible paystub from you we were unable to calculate your payment off of your paystub.
Consumer complaint received 2024-06-27
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (MD)

Thursday, XX/XX/XXXX Hello and Good day to you! 

Below is a copy my XXXX XXXX XXXX ( XXXX  ) Compliant # XXXX, filed in XX/XX/XXXX. The Company - " The Law Firm of Derek Williams, LLC - formerly XXXX  XXXX XXXX - XXXX XXXX  XXXX '' - basically ignored my requests for information on how they applied over $ XXXX of money received from me over XXXX years of payments to resolve my debt on XXXX credit cards. The BBB Complaint was left unresolved, as a result. 

As a result, of their FRAUD and theft over 1 years, I received XXXX separate Writ of Summons from the Court for the original debts on each credit card account from 2 years ago, plus interest! It appears that they NEVER paid any money towards resolving neither debt, and kept over $ XXXX of my money. Additionally, there is currently XXXX XXXX on my home and there may be another, as Ive just received the XXXX Writ of Summons for the XXXX credit card debt. 

XXXX Complaint # XXXX Monday, XX/XX/XXXX Good Afternoon, Please refer to the attached file " The Law Firm of Derek Williams , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX '' for details regarding my complaint which was delivered to the party by registered mail on XX/XX/XXXX, XXXX XXXX. As you will read, I requested a response from them in 30 days - which has passed without ANY response whatsoever! Due to the identified party 's negligence to help me satisfy XXXX credit card debt accounts, with them acting as Debt Consolidation Specialists for over XXXX and a half years, I was issued a Court order to appear in court for XXXX of my XXXX delinquent accounts. I am writing to you today and asking your help to 1 ) getting my money refunded to me, 2 ) to get a status on the account they were paying toward resolving and 3 ) to get a detailed account on how they utilized the payments they received from me over that time. 
Please help me get some resolution as I STILL have the accounts to resolve payments on my own after ALL THIS TIME WASTED BY THEM WITHOUT ANY SUBSTANTIAL FORWARD MOVEMENT TO RESOLVE THE DEBTS! 
Thank you, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (GA)

XX/XX/year> {$470.00} On XX/XX/year> I noticed on all XXXX credit bureaus on my credit reports that Eastern Account Systems placed information on my credit reports without my permission and has not attempted to contact me. I have not contacted this company..
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-06-28
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: Consolidated Auto Sales, Inc. ()

I am writing to inform you that I am disputing the references your company has made on my credit report due to their lack of completeness and/or accuracy. I recently contested this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not conduct thorough investigations. Therefore, I am now disputing the following information directly with you, the furnisher of the information, and request that you conduct an investigation as outlined in FCRA Section 623. 
FAMILY XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2022-01-09
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. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

I reached out to XXXX, XXXX, & XXXX as well as the collection agency and haven't received a response after sending certified mail to each entity. However, I did receive a my certified letter back from the Post Office stating that the address for the the collection agency is no longer valid although it is still being reported on my credit reports as valid.
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: VIRTUOSO SOURCING GROUP, LLC. (VA)

They call daily around XXXX and continue to call of the course of the day up until XXXX. I have asked them numerous times to stop calling and send me written documentation. I have asked them to only communicate with me via mail and they have not complied. The representatives are rude when asked questions so Im able to verify the alleged debt.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harrington Law Firm, P.C. (NV)

Received phone calls that identified on my phone as 'suspected scam. ' They called wife and gave number to call. 
I called. 
XXXX XXXX XXXX extension # XXXX Case # XXXX Claims I owe a XXXX XXXX  debt from XXXX  on a credit card ending in XXXX He has my social security number. 
Amount of initial debt was {$2800.00} Amount with interest owed is {$7500.00} I never had a XXXX XXXX  account in any form. I called XXXX XXXX  to confirm, and they have no record of me having an account with them.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Around XXXX to XXXX, my phone got her XXXX XXXX for her XXXX XXXX from XXXX XXXX in Arizona XXXX. XXXX XXXX Last week I got a collection letter for {$60.00}. I called the doctors office and asked for a copy of the bill. The woman named XXXX said she did not have it and to call the collection agency ( I recorded the call ). She also told me they had problems with their billing systems which is why I never got a bill. I asked why they did not try and contact us as customers and she said it was a decision from XXXX  XXXX to let the collection agencies handle the complaints. Delivery Financial Services , LLC at XXXX is handling the issue but XXXX  XXXX and XXXX XXXX is where I had my XXXX XXXX  done So I contacted the collection agency via phone and a email to dispute this bill
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (PA)

My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, XXXX, and XXXX The XXXX  loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-06-27
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (IL)

I signed up with XXXX XXXX XXXX XXXX Strategic Financial in XX/XX/year>. They only settled XXXX of my account for me in the XXXX months I put money into my account. I had over {$10000.00} in my account snd they took {$6000.00} in fees/services before they settled any of my accounts. They are now being sued for this. Theres an ongoing g suit against them. Now all my debts are way behind and Im being sued!!!! They are stealing from hard working families. I would like to see if I can get the money they took from me. Im now having to file XXXX XXXX bankruptcy.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



SECCREDIT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. I have previously filed several complaints about this matter and have yet to get it resolved. My name is XXXX XXXX this is my only name nothing else is correct my address is XXXX XXXX XXXX XXXX California XXXX this is my only address remove any other address it is my not my job to validate account but the consumer agencies.
Consumer complaint received 2024-08-01
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MBM Collections, LLC (AE)

I recently found that an amount of XXXX was annotated on my credit account for a vehicle I thought was paid for since XXXX stopped applying the allotment to my loan. I do not apply the allotment which comes in by weekly to the loan it is the responsibility of XXXX. Therefore, I asked for a burndown of the car loan and the rationale on why this was even sent to collection when the allotment has been sent to the XXXX saving account in the same manner for the last 6 years. This is not an error of the consumer, the account should have NEVER went to collections and should have never been annotated on my credit report.
Consumer complaint received 2024-06-24
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Northstar Legal Group LLC (MN)

I was told I could apply for a low interest loan, after talking to a person I was notified by Northstar Legal Group that a debt consolidation was what I needed to do, a notary public was sent to me to sign papers. I was told I had to pay {$300.00} a month, I was told they would handle everything. They said in 2 to 3 years I would be debt free. 
Now I am being sued by XXXX  XXXX XXXX, XXXX XXXX  is now in a collection agency and none of my cards have been paid down. I have paid Northstar Legal group {$3300.00} and nothing has been done. Now I found out that XXXX XXXX has sued them for swindling over {$100.00} XXXX from families struggling with debt. I would like my money back so I can pay my credit cards. please help me. I'm now going to have to try to get a loan with damaged credit!