davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (NY)

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. 

XXXX Card : XXXX, XXXX Card : XXXX, XXXX Card : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXXXXXX XXXX : XXXX Has violated my rights. 

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 other adverse item 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 2023-07-11
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. (FL)

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. 

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 XXXX XXXX XXXX has violated my rights. 

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 an 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 2024-06-01
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: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MO)

I had an agreement with XXXXXXXX XXXX, I was paying what I could and without notice they sold to a different company which is midland credit management. I was sent a letter through XXXX, the letter was threatening my credit and sending me to an attorney to sue me. They called and all hours of day and night up to XXXX and starting again at XXXX, then they called my work after they were told to stop. I have disputed this 21 times through XXXX and XXXX XXXX. I finally got it closed on my report my scores finally went up and I got an alert from Experion that there was wrong info on my report and I need to investigate it. I got on there and they reopened the account at XXXX $ less. I contacted them for the 3rd time and told them this needs to be removed it is closed and they said they would investigate. Well now they have listed back in my credit report again as 2 separate collections dropped my score again and I am being hit with 2 collections with the same company for the same debt. The only difference is it is a couple of dollar difference. I do have screenshots were it says closed and yet they have now reopened it 4 different times. They still sent me threatening letters when they were told to stop. I have brought this to their attention numerous times and yet they dont do anything about it. I have also added a personal statement to my credit so my credit doesnt become trashed again from this company. I have no agreements with them but yet they are very harassing very unprofessional and very shady with their business practices. I want this closed and off my record it took me years to get my credit out of the XXXX and I am not going to let them ruin me.
Consumer complaint received 2024-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

The questionnaire did not cover my concern. 

I have a private loan with XXXXMohela . That loan was by a fraudulent college and fully discharged by the federal government borrower defense. 

What are my options to dispute my private loan? I was once with navient but had to refinance due to high interest rates. 

How does the holder rule apply?
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute the inaccurate information reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Disputed Account Information : Creditor : XXXX XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX, XXXX : Paid in settlement. {$24000.00} written off.Date of Last Payment : XX/XX/XXXX, XXXXOriginal Balance : XXXX XXXXReported Balance : -Reasons for Dispute : Inaccuracy in Reporting : According to the FCRA, all information reported must be accurate and complete. The status of this account as " Paid in settlement '' with {$24000.00} written off is not correctly reflected.Potential Violation of 15 U.S.C. 1681c : The FCRA mandates the accurate reporting of account statuses, and any paid or settled accounts should be updated promptly. This account is inaccurately reporting a negative status beyond the settlement date.Failure to Update Status Correctly : The status update in XX/XX/2023 is inconsistent with the settlement terms and does not accurately reflect the account 's closure and payment status.Action Requested : I request that the credit bureau contact XXXX XXXX XXXX to verify the account is mine by providing receipt of certified mail sent to my address.The accuracy of this account and update the status to reflect that the account was paid and settled correctly as of the last payment date, XX/XX/XXXX, XXXXCorrect any discrepancies and remove any negative remarks associated with this account since the account has been settled in full.Provide me with a corrected copy of my credit report.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (PA)

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XX/XX/XXXX. Since then, my fed loan servicer Ed Financial has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from Ed Financial once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info Ed Financial is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with Ed Financial, and these loans I have since started paying on, but I have received over XXXX XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. XXXX opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00} Medical XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-26
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. (SC)

n 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

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 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CO)

Initially XXXX XXXX XXXX refused to let me shut off the phone account. I was at XXXX. I paid that and they kept coming up with additional fees. I had then said no more. XXXX turned into XXXX, then XXXX, and so on. 

The debt was turned into " sunrise credit services '' where the debt was bought for pennies on the dollar after the debt was paid by XXXX XXXX XXXX XXXX insurance. 

She assured me " this is a very real debt '' and I am going to pay it. 

Anyway, after about a couple minutes of harassment and angrily ended the call. 

My point is XXXX XXXX XXXX kept adding to my phone bill without permission. I did not want their services. Multiple refusals of wanting their service. They kept adding charges. After the debt was written off by the company and sent to the insurance agency where the charges they made up were paid it was then handed over to a harassing debt collector. The debt was bought or scrounged, I presume.
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (NE)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2023-03-22
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. (OH)

Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries on my credit report. I recently checked my credit report and noticed that there are several inquiries that I did not authorize or request. These inquiries are negatively affecting my credit score and I would like them removed immediately.

I did not apply for any credit or loans during the time that these inquiries were made. I have never authorized any company or individual to check my credit history without my permission. Therefore, I believe that these inquiries are fraudulent and should be removed from my credit report. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I also request that you provide me with a written explanation of how these inquiries were made and how I can prevent such unauthorized inquiries from happening again in the future.

I understand that it may take some time to investigate this matter, but I appreciate your prompt attention to this issue. Thank you for your cooperation and assistance in resolving this matter. 

The inquiries : XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint regarding inaccurate late payment entries on my credit report that remain unresolved despite my efforts. More than 30 days ago, I provided written notice about these erroneous listings, requesting validation and correction. However, I have not received any response or action to rectify the issue satisfactorily. I am now escalating my request for your prompt assistance in remedying this continued reporting of incorrect derogatory information on my credit file.
Consumer complaint received 2024-05-13
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. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TN)

Ally financial have a premium insurance on that protect the lender from default so when therea default they had already collect full payment from insurance XXXX and yet deceptive the consumer to owe the debt which they already collect from their premium insurance and write off tax and yet repossession andXXXXresell and make more money off a consumer 5x the value of thr car Voilate the fair debt collection act
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, New York through XXXX XXXX XXXX, in XXXX, PA has put the sum of {$240.00} that I do not owe into my credit report. 
In summary, I was just a tenant on the 2nd floor of a building. My monthly unsubsidized gas bill is {$23.00}. I am the only occupant in this apartment, and I rarely stayed there. At no time did I miss the monthly payment. In fact, I did not live here in the last year of my lease. I called XXXX a month before I vacated and told them to disconnect the gas because I was leaving. They told me that they have read the meter and have disconnected the gas for the apartment and that all I needed to do was to pay for that last month and that I will not be owing any gas bill. I have their account saved on my Bank app on my phone and I usually pay them ahead of the due date. The use of gas in that apartment was for cooking ONLY. XXXX later claimed that I owe {$240.00} and got XXXX XXXX XXXX to put this on my credit dragging down my credit from XXXX to XXXX. 
If the Landlord owes them, they should please sort that out with her and should stop harassing me. 
Finally, I am being straight forward and honest about this to you : this is not my debt as I do not owe them. 

Thank you.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My mortgage was bought by Nationstar Mortgage. In fact, in XX/XX/XXXX, I almost paid my mortgage to XXXX because the alert that mine had been purchased came when I already had a bill to pay XXXX rather than the new owner. I had already written my check when I noticed that Nationstar was not announcing that my new owner wanted payment when the switch was complete, but instead, I needed to switch NOW. A very shady conversion and shoddy timing an unfair amount of time for the consumer to adjust. 

I sent my payment in XX/XX/XXXX and my check was cashed on XXXX XXXX, XXXX. I just opened my new statement and my XXXX XXXX payment was not noted on the Nationstar statement for XXXX. My new bill said that I am a month behind. I owe a penalty and the last payment and the new payment. Again, shoddy timing on their part. 

I called to see why I got this bill since I can prove that my mortgage payment check was cashed on XXXX XXXX, well within their 15 day requirement. In other words, their new statement for XXXX was sent on XXXX XXXX, interestingly, the same day they cashed my check. My check was not late. In my phone call I confirmed that a payment for the first of the month is not late unless it is after the XXXX of the month. 

I have never been late on any mortgage payment for more than 30 years. This mortgage is on property that I still own because of the crash in XXXX. I live in Ohio but I have not been able to sell the property in question because of a depressed market that has never fully recovered. I am upside down if I try to sell it so I keep it and rent it out. 

I want this corrected. I want everyone to know about the timing of this crooked mortgage company.
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC (GA)

I am in a current XXXX  XXXX Bankruptcy which includes {$4300.00} of Pre-Petition Arrearage owed to the Mortgage company. ( AmeriHome ) However, a letter was sent out to me on XX/XX/year>, indicating a request that the automatic stay be lifted and the mortgage company be permitted to foreclose on my property but instead I took financial action to the letter from the courts on XX/XX/year>, which indicated that I was in default for XXXX and XXXX of this year based off the information given by the mortgage companies attorney, but in fact, I paid XXXX in the amount of {$1700.00} then I paid an additional {$8500.00} on XX/XX/year>, covering XXXX, XXXX, XXXX, and XXXX ( XXXX divided by XXXX = XXXX payments ) PLUS, after reviewing the transaction history sent out to me by the mortgage company , the instanter that I paid was never applied to my mortgage in the amount of XXXX ; taken that into consideration, XXXX would be covered and a partial amount for XXXX, 2024. 
The mortgage companies ' statement should have been zeroed out for any past due amounts but instead, it is now stating that I ( less than one month from paying that amount in a new statement ) that I owe {$4700.00} in past unpaid dollars. How can that be when the courts have the same letter as me and now all of a sudden there is this new outrageous amount of past due dollars? 
I believe that the mortgage company is not applying my payments correctly and trying to steal my home.