davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I XXXX XXXX called XXXX XXXX to inquire about current bill to set up payment plan and was informed I had outstanding bills I had at the Medical Revenue Service XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX XXXX XXXX ( collection agency ). I verified the amount owe. Amount of account owed ( {$360.00} / {$120.00} / {$12.00} ) I asked if I could just pay XXXX and was told I had to go through Medical Revenue Service. I called them immediately and paid a portion of my bill on XX/XX/XXXX and ask if this was on my credit and was told yes it was and I set up a payment plan. I was told it would be XXXX balanced once paid ( XXXX letter sent ) and paid as agreed on credit report and that meant that would be taken off my credit. I did not seek a settlement because I wanted to pay my debt and it was coming off my credit. A couple of weeks later I called and paid off the bills completely on XX/XX/XXXX and was told I would get a XXXX letter and it would take 10 days. I waited for the letter and received a statement in the mail. I called and inquired to see if the letter was coming and when will it would be taken off my credit. I was told that there is no letter that the statement shows XXXX balance and that's all I will get and they would not take it off my credit. I tried to explain to the representative and asked for a supervisor or manager I was told there is no one else I can talk to and the representative did not even attempt to send me to someone else. So now that I have paid my account they will not do anything for me as a consumer
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (PA)

Someone had used my identity to fraudulently open an account with XXXX XXXX XXXX in association with XXXX in XXXX, XXXX. I received a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX notifying me that after an investigation, they had determined that I am not responsible for the account in question. Despite this, Cavalry Portfolio Services LLC continues to send me mail and demanding payment on behalf of XXXX XXXX XXXX XXXX, now with the additional threat of late fees.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Identity theft. Someone tried to apply for a XXXX XXXX credit card in my name and it has been applied to my credit report as a hard inquiry. I an submitting this request and dispute to have it removed.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (FL)

Capital Accounts LLC : Repeated Phone Calls since XX/XX/2018, {$3200.00}. Called spouse and provided all details about the debt. Falsely reported information to XXXX, told to speak with the originator of the funds. Lied to spouse that interest is accruing. Calling cellphones with an automatic dialer, no message being left. Calling in the middle of the day when working or sleeping for work that night. Calling from different numbers every day. Reported to XXXX and XXXX, never provided social security number.
Consumer complaint received 2016-10-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV)

Signed up for secret shopper, got a money order for XXXX followed instructions cashed done shopping then made a money transfer for XXXX to XXXX XXXX XXXX XXXX California XXXX. Two days after get new assignment with monet orders totaling XXXX at which time I got concerned.
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. ()

Good morning, I took out Direct Loans to pay for XXXX XXXX, with the express understanding from the university and the loan servicer ( NAVIENT ) that I would be eligible for Public Service Loan Forgiveness ( PSLF ). A year after I graduated I was advised by NAVIENT to consolidate my loans. This greatly increased the total amount to pay back ( currently ) {$250000.00}, but with the understanding that the total amount was irrelevant because I was told I was definitely eligible for PSLF, so any remaining amount would be forgiven and discharged after 10 years of payments. 

I've been working in XXXX XXXX XXXX for more than 12 years now, however only a few of my previous employers, such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are considered eligible employers. At no point during the taking of the loans or the consolidation did DOE or the loan servicer indicate that the XXXX XXXX XXXX I was in would not be eligible. 

Today I have eight years of qualified employment, but recently took a job doing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  work for XXXX. Though the work is identical to direct hires and by all appearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my pay stubs come from a XXXX XXXX, XXXX XXXX and now XXXX. The XXXX XXXXXXXX, I'm told, is not a qualifying employer, so having come XX/XX/10 of the way to forgiveness, I'm now looking at a total of 20 years and or {$250000.00} to pay off. 

My loan was serviced and consolidated by NAVIENT but is now in the hands of XXXX. 

This exact same problem is widespread within our agency ( XXXX ) as thousands of employees receive their pay stubs from XXXX XXXX XXXX. Our Administrators XXXX XXXX and XXXX XXXX brought the issue to DOE and the President 's Office, but found no solution. Staff in my position were advised to contact DOE directly and ask for advice.
Consumer complaint received 2022-12-07
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. (TN)

XXXX XXXX Complaint XXXX XXXX XXXX XXXX : {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX : {$780.00},, Bankruptcy : {$0.00}, XXXX XXXX XXXXXXXX : {$170.00}, XXXX : {$15000.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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 2024-04-03
Product: Credit reporting 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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Attached is the notice of default and intent to accelrate. As you can see with the attached document, I've not missed a payment ever. The interest charges and all fees will be paid when all principal has been paid, which is what the laws of the USA state. 

Their licenses should be revoked for continue to remove elderly people from their homes. I am XXXX yrs old.
Consumer complaint received 2023-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance to the fair credit reporting act XXXX  act # XXXX has violating my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-14
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

On XX/XX/2021, an unauthorized debit of {$290.00} was debited to my Bank of the West checking account. I didn't have any knowledge of the unauthorized debit and I didn't receive any benefit from the unauthorized debit either. So I reported it to my bank and they provided me with the provisional credit of {$290.00} to my personal checking account on XX/XX/2021. However, on XX/XX/2021, my bank notified me of the credit reversal with the conclusion that there was no error. Subsequently, on XX/XX/2021, my bank debited the provisional credit from my checking account. I completely disagree to their conclusion and I would need to get protection from the Regulation E.
Consumer complaint received 2022-12-07
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. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank closed my account that I opened XX/XX/2021 with a credit line of {$1800.00}. I had a promotional term of 4 years to pay off my balance and they closed my account with a balance of {$190.00}. No explanation and when I called the company they kept transferring me and hanging up on me. Now I call and no one even picks up the phone. 

This is the second account they close on me without explanation, I had had my other account for 4 years without an issue. 

They did the same to my wife with her account as soon as she paid it off a few years back This is a pattern with this bank and they do not seem to care that this very negatively impacts the credit score of people. 

I am in the middle of purchasing a house, this has tanked my score and now my purchase is jeopardized.
Consumer complaint received 2018-04-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (MO)

In XXXX of 2015, i went on line to apply for a loan. I put in all my personal information for the loan. Before finalizing it showed my interest would be somewhere between XXXX and XXXX percent, so i declined. Within days I received letters from National Credit Adjusters saying i took out three loans on the same day for the amount {$520.00}, {$520.00} and {$650.00}. The letter said they were representing XXXX XXXX with the original creditor being XXXX XXXX. All this happened within days. It was clear when I received the letters this was a scam. ( They reported to credit bureau the loan was opened on XX/XX/2015 and I received a collection notice XX/XX/2015. ) After several attempts in XX/XX/2015 calling the number on the letters and getting a voicemail, I finally reached someone. The representative that answered would not hear what I had to say and told me that I processed a loan_and hung up. This has been on my credit report for over two years. But I refuse to pay a debt i don't owe. National Credit Adjusters will not_ because they can not_ produce anything to show there was money sent to me. I have researched this company and found its happened to others.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-10-21
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

1 5 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 2023-03-09
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: Shellpoint Partners, LLC (CA)

The reporting on this account are incorrect and inaccurate. I see dates which are incorrect and no proof or unverified. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-08-22
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.