davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Moss Law Firm, P.C. (TX)

re ; Moss Law Firm , P.C .     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX , Texas  XXXX .   letter unsigned.     My original debt was with a " business '' credit card issued by   XXXX   XXXX   XXXX  , later merged into "   XXXX   (   XXXX   XXXX  ),  XXXX   who later merged into   XXXX   XXXX  ..     Allen Adkins & Assoc  . (   XXXX   XXXX   XXXX  , evidently now " Moss Law Firm , P.C . ) filed a judgement against me for an original   XXXX   XXXX   XXXX   credit card balance of approx. {$12000.00} from   XX/XX/XXXX   whe n my business    "   XXXX   XXXX   '' closed, I was a personal co-signer for the mastercard. After fees & penalties & 22 % interest over years they ballooned a new debt into {$31000.00} and offered a settlement of {$9700.00} or " make offer '' letter to my attorney   XXXX   XXXX  ,  XXXX   XXXX , after he spoke with them. I accepted and " In The   XXXX    Judicial District C  ourt of    XXXX  County  Texas '' obtained a Non-Execution Agreement No.  XXXX , dated   XXXX  , which was paid in  XXXX  installments ending   XX/XX/XXXX   with check #  XXXX  and closed due to  XXXX   XXXX  debt relief and a  XXXX  tax credit for approx. {$10000.00} filed with my  XXXX  personal tax returns.   Moss Law Firm , P.C . has now sent me a new letter dated  XX/XX/XXXX  attempting to re-open  (? ) a nd threatening legal action for   XXXX   XXXX  .   This debt has been paid and closed.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXXXX/XX/MARCH2019 - 30 DAYS .... 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

My loans originated on XX/XX/XXXX but was deferred until I completed school. My payments started on XX/XX/XXXX and my balance was {$100000.00}. Since XX/XX/XXXX I have been making {$870.00} payments ( more that the minimum amount ) without missing any monthly payments. On XX/XX/XXXX XXXX XXXX was added in the amount of $ XXXX.I immediately called and opened up a case. I spoke to numerous people over time including managers and supervisors who agree the amount was falsely added and therefore needed to get corrected. Until then, I would still need to make payments and when this is corrected, the appropriate interest I have been overpaying will be applied back to my principle. I continue to call and either I am left on hold for 50-72 minutes where I later hand up or I get someone who doesn't know the situation and will investigate and get back to me. I never hear back. Each month I see huge differences in the amount applied to interest and principle with no consistency or following of any payment application rules. I am at a loss dealing with an organization that has no concept of customer service or responsibility to the people they service.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC (AL)

I am in the process of buying my first loan and recently discharged from bankruptcy on XX/XX/2018. My mortgage company discovered that the company XXXX XXXX has a lien against me dated XX/XX/2018. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX Alabama XXXX ( a debt collector ) for XXXX XXXX , XXXX. They filed a small claim with XXXX county XXXX in the amount of XXXX. 

I do not know anything about this bill. I believe my identity has been stolen because this debt is not listed on my credit report. XXXX XXXX is the debt collector representative and she says that it is for a XXXX Credit Card and that I used it at XXXX and for XXXX XXXX. I have not had XXXX XXXX in 7 years. She asked if I was still in bankruptcy and when I told her I was discharged she said I had to pay the bill. She did not give me any dates of these charges or a copy of the bill. The address on the lien notice is my prior address but I did not have XXXX XXXX. I had XXXX XXXX  briefly and XXXX  and the internet provider. I have left many messages for her call me back but have not received any answers. She did provide me with the creditors name as a XXXX Credit card, and their file #. When I called Continental Finance, they refused to talk to me stating that my account was sold t XXXX  XXXX. I don't believe this is my account and if is I never received a statement and the charges are not mine. From the XXXX charge, this date of the charge is prior to me file bankruptcy and this bill should have been settled through the bankruptcy chapter XXXX. I can not get in contact with XXXX  and they are never available to discuss this nor have they sent me the needed information to verify whether this is a true bill. I need this cleared up asap or I will loose my FHA loan.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (GA)

I receive upwards of 20 phone calls per day from American Education Services if my monthly payment goes even 1 day past the due date. I am not late on my payment, but they call repeatedly to ensure payment. It is harassment.
Consumer complaint received 2023-06-23
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. (TX)

I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was hospitalized most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened one after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in my credit report.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX Account Number : XXXX Reported Date : XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-03-04
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)

TransUnion has failed to remove incorrect information from my credit report despite contacting TransUnion multiple times, and despite other major credit reporting agencies removing the same information and has taken months to still NOT address my dispute. 

Both of these accounts are being listed as an auto loan on my consumer credit report. This alleged agreement by the governed law UCC is indeed a credit sale. 

TransUnion has not been furnished with any documents suggesting or validating that this an auto loan. As the alleged debtor, no money or goods have been loaned to me. Per section 15 USC 1681e, I am entitled to an accurate, complete and verifiable credit report and requires that consumer reporting agencies to adopt " reasonable procedure to assure maximum possible accuracy and integrity of the information '' contained in consumer reports. TransUnion intentionally and irresponsibility reporting false information. You, ( TransUnion ) as a consumer reporting agency, are aware of the tax laws and obligations. You assumed a vital and responsibility role to assure the maximum accuracy of information in consumer reports you furnish. The fundamental properties of this retail installment contact are not applicable and does not constitute as being an auto loan. XXXX XXXXXXXX XXXX XXXX does not have an enforceable contract as an auto loan for me, XXXX XXXX, for these accounts, so you can not furnish this account as an auto loan. 

This is indeed an actual factual inaccuracy that could have been covered by a reasonable investigation. 

You need to REMOVE and BLOCK the following accounts from my consumer credit report immediately. 

University XXXX XXXX XXXX XXXX Account XXXX XXXX University XXXX XXXX XXXX / Account # XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

I have been fighting this collection of {$980.00} for over a year. I have previously submitted complaints against this collection agency for not following CFPB law ( not disclosing options or rights ). I have now found information that proves they can not legally collect the debt in the state of FL, as the original creditors did not follow the law when trying to collect the debt in the first place. In the state of FL, they only have 30 days to send the collection amount. They did not attempt to collect within 30 days, so I do not owe the debt.
Consumer complaint received 2018-10-09
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: WELLS FARGO & COMPANY (TX)

I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to Wells Fargo ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called Wells Fargo and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX  and all they say is sorry it got there a day late.
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I graduated from  XXXX   College in   XXXX    XXXX  . Soon after graduation  XXXX   XXXX   (  now Navient  )  said that I needed to pay   XXXX   XXXX   /  month. I  told them that was impossible and I needed a lower payment. They said I took out a lot of money and there was nothing they could do so I did n't pay anything. I contacted a load consolidation company and as soon as they tried to start helping me  XXXX   XXXX  contacted me, after killing my credit and said they had found a new option for me. They lowered my payment to around  $ 350/ month an d said it was an income based program. That did n't even cover the interest payment each month so my amount due never decreased but continued to increase. About a year later my payment jumped back to aroun d $ 750/month. I  called again and said I ca n't afford that. They then set me up for paying interest only payments, which was then   XXXX   XXXX   /mon  th. I  struggled but I paid that for about 2 years after that it now jumped back t o   XXXX   XXXX  /  month. I  said I still ca n't afford that and they told me my only option I have left was to extend my loan for another 25 years because I had exhausted all of my other options.   They are so unfair and unrealistic. My total amount due has barely budged since I graduated. I borrowed a total of {$72000.00} and to date I still owe them  XXXX . They are robbing all of us and something NEEDS TO BE DONE!!!!
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

In response to a Complaint I sent to the CFPB, XXXX Bank and Ocwen were forced to admit that XXXX Bank never owned our mortgage and Note, in a XXXX page letter I have. 

On XX/XX/2012, XXXX Bank committed fraud by filing a foreclosure action on our home, although they knew they never owned our mortgage and Note. 

The bank has kept us in court for 10 years. We will be seeking an appropriate amount of damages. That 10 year toll on our family was emotionally and financially huge.
Consumer complaint received 2023-05-23
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: OLIPHANT FINANCIAL, LLC (SC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} Opilphnt usa llc {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXXXXXX {$230.00}
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX - ( XXXX ) OPENED XXXX THIS ACCOUNT WAS ERRONEOUSLY DELETED FROM TRANSUNION & XXXX THIS BZNESS LOAN WAS FOR A SEMI TRUCK & WAS PAID ON TIME
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (FL)

XX/XX/2018 Auto Loan was sold and XXXX in the amount XXXX I disputed the items to Credit Agency and the company bridgecrest no action was made. I would love dor this to be removed from my report being that it is false.
Consumer complaint received 2022-11-28
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. (MN)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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
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 — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.