davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CA)

XX/XX/ Hello, I am writing this letter to contest the so-called resolution to my XXXX dispute report number XXXX. Per the following screenshots from my XXXX credit report ( see attachments ), you claim that I have XXXX EdFinancial Services federal student loan balances with a combined outstanding balance of {$35000.00}. However, I have already provided documentation ( including the EdFinancial XXXX Account Verification Letter used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$19000.00} across two individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated. In addition, my XXXX open student loan balances are missing the XXXX XXXX monthly balance so the balances are currently overstated.
Consumer complaint received 2024-05-07
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)

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX DEPT OF ED ACCTS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX LATE PAYMENTS ACCTS : # XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-08-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

First of all, I am on the Do Not Call registry. 

" Balanced Healthcare Receivables LLC '' called, their number is XXXX, and they left a voicemail saying they are attempting to collect a debt for " XXXX XXXX and to call XXXX to collect the debt. 
( Actually, XXXX XXXX should be XXXX not XXXX ) Just to be sure, I checked XXXX and confirmed I have no debts in collection.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (SC)

I HAVE NEVER LIVED AT ANY ADRESS IN XXXX SOUTH CAROLINA. THIS IS A FALSE DEBT THAT SHOULD NOT BE ON MY CREDIT I HAVE LIVED IN XXXX SOUTH CAROLINA FOR OVER XXXX years. This debt is a result of fraudulent activities. Ive disputed this debt multiple times and this company keeps reporting this debt to credit agencies. This is a false debt. I never talked to duke energy nor signed any documents to allow them to put any type of utility in my name. If there are any document they are fraudulent documents not signed by me. Please remove this from my credit. I HAVE NEVER CONTACTED XXXX FOR ANY SERVICES MY PROVIDER IS XXXX XXXX IN XXXX SOUTH CAROLINA
Consumer complaint received 2024-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is attempting to collect on a debt not owed. 

This alleged debt has been purchased by this collection agency. The account is frivolous. The original creditor XXXX this bogus debt. 

Per FCRA I have requested proof of debt, signature on an original contract, etc
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (NJ)

I took out a loan from XXXX the terms of the loan were " {$2000.00} was disbursed to me immediately the other {$2000.00} was held in a savings account that would be disbursed to me after final payment was made. XXXX gave my loan to another company named XXXX to service. My final payment was made on XX/XX/year>. I was advised that once this payment cleared my online account would allow me the ability to transfer the {$2000.00} held in escrow to my personal account. on XX/XX/year> my online account made the option to transfer my escrow funds to my personal account with the understanding it would take 3 business days to process. Since the 3rd was on a weekend that meant the 3rd business should have been XX/XX/year>. As of todays date XX/XX/year> I still have not received the funds nor does it show them disbursed. When I call customer service I'm told it's actually 3-5 business days despite what their website shows.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The reporting of transaction history between myself and XXXX  XXXX XXXX is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). I was not provided a chance to opt out of having my information reported, a right protected by the Gramm-Leach-Bliley Act. I must maintain accuracy in my consumer report. This transaction triggers a taxable event which is treated as gross income. It's important to note that income is not reported on the consumer report XXXX XXXX XXXX account # XXXX opened on XX/XX/2XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/2020
Consumer complaint received 2024-03-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (HI)

Please investigate why American Express XXXX XXXX has the right to withhold my money for two months despite my calling them five times, a total of XXXX hour and XXXX mins, over XXXX months. American Express XXXX XXXX is unable to explain to me why they can not lift the fraudulent alert from my account. 

On XX/XX/XXXX and XX/XX/XXXX, I received a {$7.00} and a {$400.00} American Express XXXX XXXX respectively as rewards for shopping through the XXXX shopping portal. These American Express XXXX XXXX work as a debit card for online purchases. Both cards stopped working shortly after XX/XX/XXXX. 

I started using the {$400.00} card from XX/XX/XXXX to XX/XX/XXXX for XXXX transactions. I have a balance of {$280.00}. 

I used the {$7.00} card once on XX/XX/XXXX. I have a balance of {$4.00}. 

Further transactions were declined for both cards. 

On XX/XX/XXXX, I contacted ( XXXX ) XXXX the number listed on the Virtual card. I was told my card had been XXXX due to fraudulent use. I listed my XXXX transactions : XXXX XXXX and XXXX XXXX XXXX XXXX ( international roaming plan ) transactions. I listed the XXXX transaction at XXXX XXXX, a bookstore, on the other card. None were fraudulent transactions. I asked for an explanation of what the fraud was but they could not tell me. I was told to wait for a resolution. I was given a XXXX ID XXXX. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution within XXXX hours. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution XXXX hours but to count XXXX hours as XXXX working day, or XXXX working days. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution. The phone call lasted XXXX min XXXX sec. I called again asking to speak with the supervisor. The supervisor promised to resolve this in XXXX days. The phone call lasted XXXX min XXXX sec. 

While funds do not expire, a {$3.00} monthly fee will be assessed against the XXXX balance starting 12 months. I asked for a replacement card but was told this was not possible.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sentry Recovery and Collections, Inc. (CA)

I asked the collections agency who has the debt to provide for me a copy of the lease and the signature on the contract and ID used to get the apartment in my name. In order to verify it wasn't me. They said " the information is not available to forward to me. I needed to contact the apartments. '' When I contacted XXXX XXXX  XXXX XXXX said " XXXX  owns the debt now " They have been handing that debt sense 2020 and I need to speak with them regarding the situations. 

They refuse to provide me with any evidence in the case This fraudulent information needs to be removed off all three of my credit reports XXXX
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc. (CO)

I received a bill on XX/XX/XXXX for {$2500.00} and I sent a letter of validation to Tri-State Adjustment. XX/XX/XXXX I received another bill with cost break downs, however, this is not just for me it is for my son and I never signed a contract for myself or my son. My ex-wife may have for my son but I did not, also in the amount due of {$2500.00}. These were sent to me in my name for myself and my minor son .Again in response to XX/XX/XXXX 's bill I sent a Verification of Debit Request this time via XXXX XXXX Mail XXXX XX/XX/XXXX. So XX/XX/XXXX I sent another verification letter asking for XXXX proof of the complete and signed contract for both myself and my sonXXXX an explanation of how all costs are calculated in the bill : XXXX to also provide me with copies of any and all documents, ledgers, spreadsheets etc., that showed I agreed to pay the costs that are being charged to me : XXXX To identify and accurately describe XXXX party costs for what I am being charged and that they have included the dispute amount along with a complete itemization of each charge : XXXX provide me with an affidavit that the statue of limitations has not expired on this accountXXXX show proof they are licensed to collect a debit in the state of XXXX provide me with your and your clients proof of good standing under the laws of XXXX and the Secretary of State along with information regarding your registered agent for service of process. 
Today on XX/XX/XXXX I received another itemized bill identical to the one I got on XX/XX/XXXX and is also time stamped the date printed on each page of XX/XX/XXXX, and not on of my questions were answered and I was completely ignored in my requests..
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/ ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I was sold to Portfolio Recovery Associates , LLC by XXXX XXXX XXXX. I did speak with the company briefly to try and figure out how to handle the debt. We came to an agreement, but the company is not holding up their end of the bargain. They have given me a ultimatum of paying the whole debt with a lesser amount. I couldn't afford it. So we come up with an agreement of XXXX a month which was okay the first year. Lately they have tried numerous times to withdraw money late in the mornings ex : around XXXX and XXXX way after office hours. I have complained several times and talked to several management people about it. Was told they would check it out and get back to me. This has not been done at all. What has been done is they decided to change the rate other than what we agreed upon. I feel this is not fair to me at all. They are trying to railroad me. I do have proof of someone from the company pulling money off my card that I used for payment late hours of the night. When the office is closed. I also received a message stating that I have not made payments since 2023. This is true.Due to feeling like I was being robbed and treated unfairly. I also have proof of them pulling money in wee hours of the night.. Please help me?
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am very upset that XXXX continues to not fix the issues with my login and I am unable to access my credit reports and files. XXXX has not contacted about the matter and it is over the time limit for this matter. I will seek litigation if the matter continues. I have exhausted all means to fix the issue regarding my reports and files. I retain all rights per FCRA and Title United States Codes to access my credit reports and files.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-09-19
Product: Credit reporting 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. (TN)

I have inquiries on my Transunion report that I did not give consent. They are unauthorized and not for my benefit. Pleas block and remove the following : XXXX XXXX Inquiry date XX/XX/2023 XXXX  Inquiry date XX/XX/2023 XXXX XXXX Inquiry date XXXX XXXX, 2023 XXXX XXXX  Inquiry date XX/XX/2023 2023
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Integrity Financial Corp. DBA US Loan Servicing (NV)

My name is XXXX XXXX, my phone is XXXX and my email is XXXX. The address of the home I sold to prevent foreclosure is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The mortgage servicer was U.S. Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXTheir phone is XXXX and their fax is XXXX. 
My complaint against them is regarding their negligence in calculating the final amount from the sale of my home when I agreed to sell it to prevent foreclosure. I have attached my full complaint, how much I believe I am still owed by them, and how I discovered the discrepancies, as well as how I came to the amount I am requesting. I have also scanned in and attached everything I was able to receive from them throughout the process. I believe that I was charged fees that should not have been charged and overcharged on some fees that I was led to believe would not be included due to the mediation agreement to sell my home. I even questioned some of the fees that were added last minute and feel that I was either ignored or completely rebuffed. I also feel that there was no attempt on anyone 's part to even attempt to review what I questioned.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

On XX/XX/2023 I received a letter from a home loan, this lender disclosed questionable & inaccurate information. I have an application number for record ( please contact me ). The credit report was furnished by Equifax disclosure department, XXXX XXXX XXXX, XXXX, GA XXXX, www.equifax.com/fcra stating the following factors that affected my credit score bankruptcy scores disclosure read as XXXX. 
I must dispute this due to the fact I have never filed for bankruptcy in my entire life so I know there's something incorrect. My husband XXXX of XXXX years of marriage we both have never filed bankruptcy so I would like to address this problem with the furnishers. Perhaps someone else is using my identity I'm also not military nor a spouse of any XXXX XXXX military and I never been overseas international. XXXX along with XXXX they can stop reporting me as negative due to the following reason that reads Utilization of accounts, number of accounts, and/or occurrence of a derogatory event. All my bills are on time good/current as of XXXX XXXX.
Consumer complaint received 2024-05-07
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. (OH)

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.

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.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The account for XXXX XXXX was discharged in bankruptcy XX/XX/2022 but XXXX has readded to my account as a charge off, added incorrect payment history, and added a balance I owe on my. Report dropping. Score XXXX points for debt I don't owe. I have a letter direct from. XXXX showing I do not owe any of this debt