davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX IS CONTINUING TO VERIFY FRAUDULENT INFORMATION TO XXXX, XXXX, AND TRANSUNION I'VE ASKED FOR A FULL INVESTIGATION INTO THIS ACCOUNT DUE TO THE INACCURACY AND I DID NOT MAKE THE CHARGE I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX AND XXXX IS IN VIOLATION OF THE FCRA
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2023-06-22
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: CLGF Holdco 1, LLC (AL)

In accordance with the fair act credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the rights of privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-26
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. (IN)

I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (NY)

XXXX, the property management software that I assume lots of renters use, sent an email today announcing that XXXXk rent payments are no longer free and will cost {$2.00} a month. This means that there is no longer a way to pay rent without a fee attached. Feels pretty unfair!
Consumer complaint received 2023-05-02
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. (AR)

This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : 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
Consumer complaint received 2023-09-08
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. (NH)

I have contacted each credit bureau repeatedly the past year ( Experian, XXXX, and XXXX ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I have contacted each credit bureau repeatedly the past year ( XXXX, XXXX, and Equifax ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates (IA)

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt
Consumer complaint received 2022-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

During the summer, my loans were transferred from XXXX to Mohela. I sent two in-messages on XXXX XXXX, XXXX and XXXX XXXX, XXXX about employment verification and getting payments to become eligible. I event tried to call, but had absurd wait times. 

I was ignored and read that others were being ignored as well which was convenient given the XXXX XXXX deadline set by the government and already passed so they didn't have to honor the Limited XXXX Waiver. 

To get help, I reached out to the XXXX  last week. The XXXX has been getting responses from Mohela, however, Mohela is refusing to fix the problem. 

I filled out the XXXX application last XXXX of XXXX. During that time, I was hired with XXXX XXXX Texas XXXX XXXX XXXX ). My time spent with them is also stated on my XXXX XXXX  that I provided to the XXXX  and Mohela which which is dated, signed, and stamped by HR. This should be plenty of proof for employment verification. 

According to Mohela, since I filed the application in XXXX XXXX and XXXX confirmed it, my payments from XX/XX/XXXX- XX/XX/XXXX do not count as eligible payments. That's ironic since Mohela stated at the beginning that was was still employed by XXXX. XXXX records clearly show that I was employed by them from XXXX XXXX XXXX but Mohela refuses to honor that. I did switch districts and started new employment in XX/XX/XXXX which I stated to the XXXX  and Mohela. 

The issues are this : 1. Mohela is cheating us out of eligible payments towards the XXXX even when given employment verification. 

2. They purposely ignored out communication since the XXXX XXXX deadline would pass as set by the US Govt. 

3. Next, when I do fill out a new application, then only my payments from XXXX to XXXX. will count as eligible, but nothing for the rest of this school year though I'm employed. Mohela states we only need to fill out an application once a year, but what good is that doing us when they don't honor a full given year and stop counting eligible payments from when the application is filed. 

4. In addition, as a teacher, our contract is from XXXX to XXXX in a given school year. However, our service records show only our school year 's end date when we leave so either XXXX or XXXX depending where you work. So all of us are losing eligible payments in XXXX and XXXX when we leaving a district even though we are paid and contracted through XXXX in a given year. 

5. I understand if they're going by the service records which is why they can not honor XXXX and XXXX, but even then, that's not fair. With that being said, if they'll go off of the XXXX  XXXX  for that, why aren't they honoring all eligible payments for the full time we've been with a district then? It doesn't make sense as they try to cheat us out of money and payments.
Consumer complaint received 2023-08-08
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. (FL)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2022-11-25
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: EQUIFAX, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

ERC Reference Number XXXX | Original creditor : XXXX XXXX XXXX ERC and XXXX XXXX XXXX continuously attempt to collect a debt from me that is not owed from an account that is not mine and refuse to provide any evidence of any contractual relationship between myself and them beyond a bill attributed to a " XXXX XXXX '' at the address " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX '' despite that I have NEVER so much as been to the state of California, nevermind EVER residing there. XXXX XXXX is a common name combination and ERC and XXXX XXXX XXXX are negatively impacting my credit and are harassing me as a result of their own negligence. I do not owe XXXX XXXX XXXX/ERC the alleged debt. I never held the address alleged by XXXX XXXX XXXX/ERC, or any California address for that matter. XXXX XXXX XXXXXXXXERC refuse to provide any evidence of any contractual relationship.
Consumer complaint received 2023-05-02
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2024-03-12
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. (MA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Can not get through to Equifax regarding the credit freeze I placed on my personal information. The company has effectively blocked me from speaking to anybody in person by asking me bogus security questions, or asking these questions in another language. 
I even went through obtaining a verification code by mail, following the instructions to enroll in my.equafax.com, and was locked out of enrollingin this also. This enrollment would have let manage the freeze that I placed on my personal information. 
I have not had any problem with managing the credit freeze on my information with XXXX  or XXXX. 
Equifax has made it impossible for me or anyone in our household to speak directly with somebody in their customer service.
Consumer complaint received 2023-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NC)

The company was rather aggressive when they called to collect on the debt. I told them I would pay nothing to someone who called me but that I would pay based on mailed communication after verifying with original creditor that the debt is valid. Turned out it was. When I called in to make the payment the debt collector had added interest to the debt. The letter was dated XX/XX/2023 for {$130.00} but then I received a second invoice dated 5 days later, XX/XX/2023 with an additional interest charge of {$18.00}. Is it even legal for a debt collector to add charge interest? Is it legal to apply an interest charge of something like XXXX XXXX to the original debt? I went ahead and made the payment as I am trying to keep my credit as clean as possible as we are in the process of buying our first home. But this does not seem ethical and the practice can break the bank for someone. The collection agency is America Profit Recovery, phone XXXX. The invoice indicates XXXX XXXX XXXX number XXXX.
Consumer complaint received 2020-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (TX)

We never received the 1098-E form for our taxes. Have tried to login, keeps saying password is incorrect. Have completed the password reset multiple times, have not received email to reset. Tried to call all three phone numbers available, they have all been disconnected. We had issues last year when the company acquired loans from ACS. Payment had been set up as auto payment, and never received notice that loan owner was changing. Had several late/missing payments before they called looking, which was the first we heard of the change.
Consumer complaint received 2020-03-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FC HoldCo LLC (TX)

I am currently behind in my payments due to being off work. I have explained to the account representatives the reason I am late. I have also advised them the date the amount and method of payment. I continue to receive calls from Flagship financial services asking if I word lime to set up my payment. The account representative XXXX continues to be sarcastic and very abusive. I asked her to read back the previous Noyes several times and she refused. I have also asked that they do not call my references, nor skip trace me when they do have a point of contact with me. I have also asked to only email me. The sarcasm and the back of professionalism has gone too far.
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (VA)

The mortgage lender Chase denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. I was told I could not apply for assistance. 

Chase has refused to honor the request for mortgage assistance of any kind of modification, short sale, or Deed-in-Lieu. Chase seems only determined to foreclose on my home. I was given no valid reason other than I had a modification 10 years ago. 

Chase representatives advised me to apply for the Virgin Mortgage Relief Fund and that once I applied and obtained my application number the foreclosure sale would be placed on hold. My application ID is XXXX, which was given to Chase and no hold has been issued. 

The actions of Chase are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Account was negotiated and agreed upon as a pay for deletion. Account was paid in full. The agent that took the last payment assured me it would be deleted. It has not and is still showing a balance owed.
Consumer complaint received 2023-09-08
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. (DC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-11-25
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. (TX)

To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( 2 ) dismissed bankruptcies as confirmed. I have been in correspondence with all 3 ( for over 4 months... I even was lucky enough to have my file assigned to " Special Handling '' with one as soon as I MENTIONED CFPB ) bureaus as well as the US Bankruptcy Court ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a third-party, whether it be XXXX ( XXXX ) or XXXX XXXX XXXX XXXX  or from XXXX  The system is not always accurate because of the limitations of providing an ENTIRE 9 DIGIT Social Security Number to validate/verify data.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''.

''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have zero right to maintain information which the United States Government has VALIDATED as non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within 15 days from the date you receive this letter.