davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TN)

I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 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 2024-03-11
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. (NC)

ACCOUNTS THAT ARE NOT MINE ARE STILL REPORTING TO MY CREDIT PROFILE. THESE ACCOUNTS HAVE NOT BEEN VERIFIED. THESE ACCOUNTS WERE REMOVED AND HAVE BEEN REINSERTED ON MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681, I WAS NOT NOTIFIED WITHIN XXXX BUSINESS DAYS OF ANY ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT. 

FURTHERMORE STILL REPORTING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS IS AN ONGOING ISSUE THATS SEVERLY IMPACTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Management Services, Inc. (CA)

In XXXX of XXXX I visited a medical clinic called XXXX XXXX XXXX located in the City of XXXX XXXX. I had valid PPO insurance at the time. I wanted to have my blood checked. I spoke with the staff and a doctor at the facility who advised the cost would be a one time fee of {$100.00} ( which I assumed was my co-pay ). 

I did have XXXX XXXX and received a report several days later. XXXX XXXX XXXX stated I had no outstanding balance. 

I went on with my life. 

Years later, ( XXXX ) I received a phone call from XXXX collections XXXX. 

They advised me that they have been sending debt collection letters to an address I havent been associated with since XXXX. 

XXXX indicated that I owed in excess of {$1400.00} for treatment at XXXX XXXX XXXX for XXXX of XXXX. I told them I had digital proof that I had valid insurance during the visit and paid a {$100.00} co-pay. 

I offered to send them this electronically and they stated it didnt matter and that I was responsible for the outstanding balance. 

The XXXX representative also stated this could harm my credit ( which is very important to me ). 

I called my insurance provider and spoke with them. They indicated they never received any claim from XXXX XXXX XXXX. 

I visited XXXX XXXX XXXX to inquire. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The office was closed, the telephone number had been disconnected and there was no longer a website for the medical clinic. 

To the best of my knowledge, I never signed anything indicating I owed any further amount than my co-pay which was paid. 

XXXX advised they were representing XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ) I never signed anything authorizing this company to bill me for anything. 

Taking these factors into consideration, I believe XXXX XXXX XXXX failed to bill my insurance and went out of business. 

I can only speculate XXXX XXXX XXXX used XXXX XXXX XXXX for outsourcing ( again never heard or signed documents with this lab indicating financial responsibility ) and went out of business. 

XXXX XXXX XXXX is now looking to foot the bill on unsuspecting patients of the facility which is unjust and wrong. XXXX advised there were multiple patients inquiring about similar instances. 

I advised XXXX that the debt was invalid. There is nothing in writing from XXXX XXXX XXXX or XXXX XXXX XXXX that I signed, authorizing them to charge me for anything more than the {$100.00} co-pay I paid the day of my visit. I have not seen any details from XXXX to dispute this. 

I advised XXXX I would be sue the company for damages if they attempted to damage my credit.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I am a fXXXX XXXX of HomePoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I refinanced with HomePoint mid XXXX, so this company now holds my primary residential mortgage along with another mortgage for a rental property. Within 30 days of the XXXX, they transferred my servicing to XXXX XXXX. Once this was set up, I paid my mortgage payments for 6 months in advance to XXXX XXXX  with no issues. I try to make my next payment and they transferred my servicing back to HomePoint I paid the same bill pay that I paid when I initially got my mortgage but that was wrong. When I figure this out, I now had to make a double payment which they finally received. It appears that I am being XXXX as a XXXX XXXX as I have NEVER experienced these kinds of issues as a homeowner of multiple homes over 22 years. 
The next charge is that they mailed an escrow refund check. I in turn deposited the check into my bank account they then stopped payment on the check without notifying me and sent the analysis reflecting a large shortage. I called and they are claiming no record of sending me a check however I have the check copy, the letter that came with the check and the letter from my bank proving stop payment. They failed to send an urgent notice saying that they stopped payment and even denied sending the check in the first place costing me a XXXX fee with my bank also this effected my stellar deposit history with my financial institution of which I have been a member for about 25 years. This also posed a threat of financial harm as XXXX can cause an extreme domino effect in someone's finances. 
The third charge is that when I compare the escrow statement payment to property taxes against the actual bill that I received from my county government there is a deficit in the amount paid. Even though this is a small amount it is still detrimental to my homeownership. This company is really experiencing some issues and not only are they XXXX  and giving bad XXXX  XXXX regarding my XXXX  and causing me to lose job opportunities. They are threatening my home ownership and I really need someone to intervene as I am not in the position to hire an attorney so I will start with this as a first step. 
I have received a call from XXXX XXXX ( early evening around XXXX XX/XX/XXXX ) however there was a connection issue with the phone lines, and I have not heard back since then. This is pretty much beyond a phone call, and I need an outside mediator.
Consumer complaint received 2022-12-10
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX Sincerely, XXXX XXXX
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Tried to consign a student loan for my daughter on  XXXX / XXXX /  XXXX   at  XXXX  and I was denied due to   XXXX   Report which said my SS was deceased.       XXXX   informed me t hat Citizens bank is the lender who said I was decided. Spoke to several representatives at citizens bank and it will not be repaired much sooner than 30days. A grievance was filed by the bank employee. This dealing w citizens bank  occurred on  XXXX / XXXX /  XXXX  . I am the only ci- borrower who can coding my daughters loan and there is a  XXXX  dollar late fee!! Tuition was due upon remittance which is now.
Consumer complaint received 2022-12-02
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. ()

I am a natural person. I am living human being, I have rights under 15USC 1681.

Equifax 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 Equifax written permission to furnish these accounts Account ; XXXX
Consumer complaint received 2022-12-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2023-07-27
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: ENCORE CAPITAL GROUP INC. (MS)

I told XXXX XXXX XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX. Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...

15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (AL)

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-03-11
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. (AZ)

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.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-12-02
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-05-03
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. (PA)

Please help ASAP, Ive found the following accounts on my report that are fraudulent. Please remove them ASAP. I have attached an FTC letter and proof of ID and address. According to section 605b of the FRCA there items must be blocked and removed within 4 DAYS!
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

I had a covid-related mortgage forbearance, approved by my lender ( Navy Fed Credit Union ), for the past year. They modified my loan at the end of the forbearance, and XX/XX/2021 is my first payment after the end of forbearance and modification. On XX/XX/XXXX i got a notification from a credit monitoring service that a negative item had appeared on my credit report. I logged in to check, and the negative item is from Navy Fed, stating that my mortgage account is more than 120 days late. I called Navy Federal about this, and they gave me the runaround, telling me " there is no one to talk go about this, we don't do anything with credit reporting, it is all automatic. '' She also told me that it is my job to dispute it with the credit bureau. I want a guarantee that if i go through the time and effort of disputing this one time, it will stick, and it won't keep getting reported incorrectly as delinquent every month. Navy Federal made the mistake, and I think they should be held accountable for fixing it, not me, but they were unwilling to help when I called so I am reporting it here.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

This is unbelievable! You just closed a complaint about having addresses that don't belong to me on my credit report after months of going back and forth with you, so now you add another address that also doesn't not belong to me. 
Let me be completely clear with you one last time! 
My name should read ... XXXX XXXX XXXX. Nothing else! I have a son with teh exact same name and spelling! 

The only address that should be on my credit profile is XXXX XXXX XXXX, XXXX PA XXXX. Nothing else! Remove any other address you have and do not add any other address! I have lived at the address over 10 years! Stop adding random addresses! 

Fix this and send me an updated credit report immediately!
Consumer complaint received 2023-04-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

This is the attachment for Complaint ID XXXX filed XX/XX/2023. 

After paying {$2800.00} plus to Round Point Mortgage in XXXX of 2023 to remove PMI I received this letter confirming it was completed. ( See Attachment ) When XXXX XXXX bought Morgage from Round Point the PMI was already removed. XXXXXXXX XXXX  mailed me a letter stating that Round Point had not sent the information over to XXXXXXXX XXXX. Later XXXX stated that Round Point made a mistake when they removed the PMI. XXXX stated that Round Point has admitted to the mistake. However, I have not heard from Round Point, only the notice from XXXX. Neither Mortgage company refunded my money for " what was a mistake ''! The only thing happened is that I needed to pay more money that I do not have.
Consumer complaint received 2022-12-13
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. (MO)

On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.