davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
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)

I had the chance to go over my payment history letter sent from The Department of EducationXXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX  screenshot of the late payments from The Department of EducationXXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, XXXX XXXX, and TransUnion that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATIONXXXX  within this complaint so you can see for yourself that I NEVER had a late payment.
Consumer complaint received 2022-12-03
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (MD)

I have contacted the below companies requesting detailed information regarding the alleged debt owed. 

I never gave XXXX XXXX XXXX or XXXX XXXX permission to release my information to a third party. I asked the collection agencies to provide proof that I signed documentation releasing my personal medical history. I also forwarded a copy to the credit bureaus and they did not follow through with the proper investigation. XXXX XXXX XXXX and XXXX XXXX refused to contact the insurance company to receive payment of services yet has elected to push the responsibility on me. I provided the information from XXXX and they said they never heard back to send payment information. I have attached proof from XXXX regarding my hospital claim for XX/XX/XXXX. 

The collection agency did not provide proper proof as requested in detailed letter dated XX/XX/XXXX. This was my third request. I have attached the documents I received regarding XXXX  XXXX. I never received any follow up information from XXXX XXXX or XXXX XXXX.
Consumer complaint received 2024-03-27
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. (CA)

Please delete or remove these items on my behalf. 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.
Consumer complaint received 2017-09-09
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. (SD)

Equifax mismanaged my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk for a lifetime of identity theft/fraud due to negligent security protocols in handling consumer information.
Furthermore, they have been attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2021-05-24
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. (NC)

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap. I also requested a video or copy of the contract between me and this company.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

MCM purchased debts fro m    XXXX   XXXX   XXXX   which in   XXXX   both debts were disputed for Fraud, a relative of my husband opened them without my permission. MCM bought the debts in  XXXX  and I have disputed both accounts .I provided MCM a FTC Identity Theft Report and requested them to dispute the accounts through   XXXX   XXXX     .
I am a victim of Ident  ity Theft, this debts are not mine!
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

On  XXXX / XXXX /  XXXX   I received a collection notice in the mail stating I owed the sum of  XXXX  to  XXXX   XXXX  and they,  Convergent Outsourcing Inc. , were a debt collector trying to recup this amount. This is the first time I have seen a notice like this and I have never had  XXXX   XXXX  service/account.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency XXXX XXXX XXXX XXXX stated that they don't report to credit bureaus. I contacted the company XXXX XXXX XXXX XXXX whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted Experian to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to Experian and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by Experian for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Financial, LLC (GA)

Ticket # XXXX. On XXXX XXXX I made a {$1600.00} purchase on XXXXXXXX for a crypto currency know as ETH. I have verified every single part of the transaction to include the purchase amount actually showing the purchase of said crypto directly on the XXXXXXXX exchange. However, the amount of purchase for said crypto was never credited to my XXXXXXXX  account and still to this day does not reflect the actual purchase made even though there own exchange reflects the purchase of the crypto. I have tried on several attempts to reach out to the business but have not received any response back aside from the standard generic computer generated email stating they have received my submitted ticket requesting assistance in the matter.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (TX)

Allied Collection Services, Inc at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has sent me a collection notice in the amount {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.
Consumer complaint received 2024-08-07
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. (WI)

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 XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

since XX/XX/2021 I had been trying to get an unemployment forbearance. I have applied and reapplied several times. the company decided to give me a covid deferral without my knowledge. However they kept sending out the packets. I turned everything in and they still did not offer me the forbearance. finally they sent a modification packet with a due date yet I still don't have income! I called and declined the workout and they said they would give me a short term deferral. while i was waiting for the short term deferral. the company called me and said none of my applications have gone through. 

my primary lender was any employer and they had laid me off. right now my industry is laying off in record numbers. and I'm trying to figure out why i cant get simple help
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC Bank requested additional information from spouse on or around XX/XX/XXXX via postal mail, which we were unable to provide in a timely manner. The account was marked as " hold '' and unable to withdraw funds as of XX/XX/XXXX. Spouse requested for the account closure on or around XX/XX/XXXX to the escalation/fraud department. The department agreed with the request and promised to close the account and send the funds. Spouse called back on or around XX/XX/XXXX requesting a status update. HSBC confirmed that the account was closed. 

The total amount of funds is {$2700.00}. This was an electronic deposit done via their mobile app. No indication of closure has been received either via postal mail or email.
Consumer complaint received 2021-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

After Equifax had deleted and inaccurate late notice from XXXX XXXX XXXX for XXXX Equifax reinstated the inaccurate late notice without give me the required 5 day notice per the FCRA before reinstating the inaccurate late notice.This is a violation of the Fair Credit Reporting Act because Equifax didnt notify me before reinstating the inaccurate late notice.Equifax continue to violate the FCRA with this dispute.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This XXXX XXXX account was paid back in XXXX and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX  directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.
Consumer complaint received 2021-05-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT WORLD SERVICES, INC. (PA)

I have an outstanding balance with XXXX University. I have been paying them for years. I relocated from my original state : XXXX  to XXXX. I did not receive any notifications from XXXX University or the creditors about collecting a debt. As soon as I started paying down the debt again and had less than {$2800.00} left XXXX XXXX ( ( XXXX XXXX XXXX ) ( from XXXX University XXXX contacted me and tried to get me to pay more money than I owed. She said she sent me to credit world, but I did not receive any notification from them until I started paying down my debt again. Even though they had my email and contact number nobody called until after I started paying the debt she almost doubled the amount I have left. If this harassment does not stop I would like XXXX and credit world to know we are going to end up in court. I have my proof and documentation. This harassment needs to end immediately.
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (TX)

These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2020-03-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (NJ)

I have submitted my payment online to have it withdrawn on a certain date. Then after three days of my bill being late I speak to an agent letting them know that the payment is posted online to be withdrawn on a date I selected. The agent looked at the system sees the payment is scheduled to come out on a date I selected. Then the next day I get four or five calls requesting payment.