davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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. (TX)

In XX/XX/2021 I filed a dispute with Transunion regarding the multiple bankruptcies with similar filing dates that they are reporting. They responded that XXXX verifies and validates the public record information that they are reporting. Around the same time I called XXXX and they were unable to locate a file matching my name, dob, and address. They also advised that they download data from XXXX XXXX XXXX that does not provide social security numbers, and dates of births. XXXX stated that Transunion is responsible for matching this data to date in their credit file to ensure the accounts are reported to the correct person. I have asked XXXX  multiple times how they verified and validated that these bankruptcies belong to me without using my social security numbers. They responded that they verified this information with the US Bankruptcy Courts. Please see the attached letter from the US Bankruptcy Court showing that Transunion lied and did not actually validate or verify the information they are reporting. In fact they fraudulently reported inaccurate information knowing they never actually verified this data.
Consumer complaint received 2021-06-21
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: Resurgent Capital Services L.P. (TX)

I have sent various letters on XX/XX/21, XX/XX/21 and XX/XX/21 to the credit bureaus regarding these collections accounts and I have yet to receive any letter regarding their investigation nor no validation, within the time allowed by federal law.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (TX)

Bull City financial harassed me with calls for months from XX/XX/XXXX to end of XX/XX/XXXX. On XX/XX/XXXX they harassed me again so I agreed to pay my debt on the spot so long as they would take the credit ding off of my credit and close the account. The representative promised if I paid she would close the two accounts with negative dings on my credit, so I paid over {$800.00} on the spot on XX/XX/XXXX. Credit ding is still there. Repeated attempts to call Bull city financial and no one will answer the phone because they know I already paid.
Consumer complaint received 2021-06-21
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: Experian Information Solutions Inc. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCBXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  aXXXX SYNCBXXXX XXXX  with no successful resolution.XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-06-21
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. (PA)

O n XX/XX/2021 after noticing fluctuation on my credit score and submitting a complaining against XXXXXXXX XXXX XXXX with Court resolution to Transunion, the latter responded in jargons and unusual language. Calling the Company XXXX id # XXXX from the XXXX call center answered. Investigating about the issue, XXXX conveyed that XXXX XXXX was causing the mess despite Transunion, the bank have read the Court resolution and inviting the Transunion representative to read it, he refused to read the document stating that he had problem reading manpenship while the document is visibly clear. I believe either that the representative is unable to read English language and therefore, his employment is questionable or is most evident a possible cover up. At this point, i question the validity and accuracy of Transunion reporting agency. Asking for a supervisor or manager, nobody was able to respond. Please investigate
Consumer complaint received 2022-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Collection Systems, Inc. (TX)

As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. XXXX and Specialized Collection Systems are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account XXXX XXXX XXXX XXXXXXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and Specialized Collection Systems . 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (GA)

I was offered a settlement for 50 % via mail on 2 different occasions. As I called to verify if I was able to collect on that I was told that they never did settlements and the payment had to be in full. How is that so if I was offered it twice via mail on 2 different occasions? He promptly hung the phone up on me and when I asked to speak to someone else he told me that's was denied.
Consumer complaint received 2021-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (FL)

This company had me on a contract for a price that lasted 12 months. This price was raised without me basing aware. I called and disputed this last month they agreed to adjust the price. I have now received a letter that they sent it to collections. The price was not changed or adjusted
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (GA)

I had a mortgage with LoanCare company. I paid off the full mortgage amount at the end of XX/XX/2021, however an extra monthly payment for {$1200.00} went thru automatically from bank. LoanCare got the check from my bank and they cashed it ( attached documentation ) however as the account was closed they didn't deposit the money into the escrow account so the money got " lost ''. 
For over 3 months I'm being trying to get the {$1200.00} refunded with no luck, I have provided proof that the they have cashed the check and received the money, I have escalated this to many of their " management '' team however they are still " looking for the money ''. 
In my view, a financial institution loosing the money is against any financial regulations. 
The account number is XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

During COVID, I couldn't make my mortgage payments. I was in contact with New-Res the entire time. This wasn't supposed to hit my credit report negatively due to circumstances out of my control. It was still reported to my credit as several 30 day lates and a 60 day late. the dates were XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 for the 30 day lates and XX/XX/2020 for the 60 day lates. this has made my credit fall when these never should have hit my credit report. I have since caught completely up and fixed everything needed with the world coming back on line, but I shouldn't suffer from things out of my control with COVID. It was hard enough to get through this and I shouldn't have additional penalties now on my credit.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CURO Intermediate Holdings (TX)

I have asked the collection company to get this validated and they indicated they were reaching out to the company that was over a year ago, I want XXXX XXXX to validate this debt. If this was mine there should be something on their file with my signature. I want that evidence ASAP! this thing goes from collection company to collection company always with a new open date.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (TX)

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 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 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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

On XX/XX/2021, I drafted the attached dispute to Equifax advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.
Consumer complaint received 2024-02-29
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. (GA)

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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : EXTRA Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-05-20
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: EQUIFAX, 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 items 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CT)

I am having an issue with FedLoan Servicing. My account was closed due to loan consolidation back on XX/XX/XXXX. This account is still showing derogatory events on my credit report from XXXX ( my father passed away in XXXX of XXXX and I was still not working ). This negative account is destroying my credit. 

I reached out to FedLoan servicing back on XX/XX/XXXX to try and resolve this, and I had asked for it to be removed completely from my report as it is causing issues ( noting that I'm currently in good standing with the Dept of Ed/XXXX, and have been for years ). The representative logged my dispute and sent me an email containing a XXXX XXXX Dispute Form, which I promptly filled and returned via mail to FedLoan Servicing, XXXX. XXXX XXXX, XXXX, PA, XXXX. This was sent on XX/XX/XXXX and I have not yet as of today XX/XX/XXXX received any response ( regarding the removal of the incorrect information, or otherwise ). 

Attached is a copy of my FedLoan Servicing Account Details from MyFICO. There is a {$0.00} balance shown however this account continues to sit on my credit report with a 120+ day delinquency, absolutely ruining my credit score, and it appears there is no resolution in sight as they refuse to even communicate with me. Please help me.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

Sequium Asset Solutions , LLC has sent me a letter. They state that I owe {$150.00} for an account that doesn't belong to me. The Creditor they claim I owe is XXXX XXXX. The date they have on their letter is XX/XX/21. I have mailed them a letter via certified mail asking that they send me proof that I owe this debt. Sequium Asset Solutions , LLC has failed to do that. They had 31 days to respond to my letter and they failed to do so.They have spelled incorrectly in their letter. Because that isn't me who owes the debt. Now their destroying my life because they put a derogatory remark on my credit report.
Consumer complaint received 2021-06-21
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: CBM Services, Inc. (PA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NM)

Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. 

I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem.
Consumer complaint received 2023-02-06
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct or remove them immediately in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

I XXXX XXXX never enter any consumer credit transaction with IDEAL COLL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By IDEAL COLL obtaining my personal information without my consent they have committed fraud and identity thief which I have attached my FTC complaint. IDEAL COLL furnishing this allege debt to my consumer report as if I owe something and now they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to IDEAL COLL reporting this allege debt to my consumer 's reports.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

XX/XX/XXXX I consolidated several loans, as of XX/XX/XXXX my XXXX  application for the consolidated loans is still pending and I was told the loans had a payment due on XX/XX/XXXX. I saw yesterday that the consolidated loans are in a past due status... it is not even XXXX yet. I have not received any update on XXXX status ( which I should have since the loan that was not consolidated is on the XXXX plan ). 

I am also a member of the XXXX XXXX XXXX XXXX XXXX class action, full class. I have yet to receive my settlement, which was due to be completed by XX/XX/XXXX. The school loans should have been XXXX, along with interest ( the school was XXXX University and loans were between XXXX ) and refunds of loan/interest payments made. Dept of Ed did confirm to me that the information was sent to Mohela approx this time last year. I have not had loans and interest XXXX or any payments refunded. 

Dealing with Mohela has been extremely frustrating as messages are not responded in the XXXX business days ( more like XXXX weeks response time ) and they are very generic in response. It is also very difficult to get through by telephone- wait times of XXXX hours and misinformation from the customer service reps. Extremely poor service. 
This is my second complaint to CFPB and I have also complained to DOE multiple times.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX  on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified USPS tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted Experian on multiple occasion about this matter. Experian said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. Experian is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote Experian on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. XXXX has not responded back to my letter in 4 months. This account is causing adverse affect to my credit worthiness.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I have sent the credit collection company numerous phone calls, emails, and written disputes. I have a collection reporting that is not mine for a XXXX account. I have a police report for the identity theft. I never lived in Virginia where this account was created. 
I included my lease where I resided in XXXX.
Consumer complaint received 2019-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BB&T CORPORATION (PA)

The prompts I checked really do not pertain to my complaint ; however, no other prompt was available. 

Regional Acceptance Recovery continues to report a charge off account ( auto ) as current. The account was opened in XX/XX/XXXX. It was charged off XX/XX/XXXX. Can they keep doing this? This is affecting me negatively and sadly the account can not be paid. We are facing medical hardship ... XXXX 's. 

Please see if there is anything which can be done. Thank you. 

XXXX XXXX XXXX