davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MS)

Since the beginning of XXXX, I have been trying to pay off my mortgage with LoanCare. The funds were wired per the instructions and within a few days, I received a letter stating my mortgage was paid off, and I confirmed by reviewing the balance on-line. Shortly after, I received another letter saying " thank you for paying off your mortgage, here is what to expect next .... '' Then, on XX/XX/XXXX, I received another letter from LoanCare saying my loan was in default since they had not received a payment since XXXX. When I called to inquire how this was possible since the loan was paid off, I learned that some of my funds were returned to my originating bank and I had an outstanding balance on my mortgage. Since then, I have been trying to pay off the balance and have received nothing but push back and issues from the company. This is costing me in additional fees, not only from the mortgage company, but also my bank because I have to pay for each wire, additional interest, and potentially my credit score. This is frustrating and I want to be made whole. I do not think its fair for them to be sitting on my funds and not applying them to my mortgage. I need help because LoanCare is not willing to work with me.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NATIONWIDE ACCEPTANCE LLC (GA)

I am a federally protected consumer, and my name is XXXX XXXX and I am making this complaint against the Nationwide Cassel. On my Consumer Report I noticed that Nationwide Cassel with you states that it has been Charged-Off with Bad Debt Profit and Loss Write-Off. I mailed letter on XX/XX/2022 and I asked for them to send me documentation of proof of ownership, general ledger, and accounting trail for this Charge-Off. I have not received anything and the only notice is when I looked at my consumer report it states that this account disputed and resolved. That's false information and that's fraud.

What is a charge-off? According, 7 CFR 1956.54 is the writing off of a debt and termination of collection activity. Collection Activity includes reporting delinquencies to my consumer reports and you know that know or have reason to know that this is false and misleading.

They stated that you charged this account off right? Collection activity should have stopped, collection activity includes Nationwide Cassel furnishing this to my consumer report.

I am aware that something being furnished to your consumer report is a part of collection activity pursuant to 31 USC 3711e. There should not be any collection activity on this account it should have stopped because it should have been terminated. All Collection activity includes you furnishing this to my credit report. If so, they are committing tax fraud.

If they filed a 1099c they were supposed to send it to me. They wrote this off and cleared it from their books as income and this makes it uncollectible. This money has to be accounted for with the IRS. That means there is no more debt because it's considered income after that and income cant be reporting as debt on any consumer report. I want you to know that that are in Violation of the IRS and I will be filing a complaint with the IRS because they never issued me a 1099-C for taxable income for this charge-off. Please provide me with your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-27
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-27
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and XXXX XXXX XXXX said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about the situation.
Consumer complaint received 2022-05-27
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: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the Fair Credit Reporting act Navy Federal Account # 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 15 U.S.C 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 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Yamaha Motor Finance Corporation USA (FL)

Yamaha Motor Finance, understanding me clearly, my credit is important to me, my credit is in fact my reputation and you are ruining my reputation and financial reputation as you are reporting Charge off on my consumer report. I demand you to remove Charge off. I will take all actions necessary to protect my reputation. You understand me? Yamaha Motor Finance understand you are NOT in compliance with The GrammLeachBliley Act. Which is {$100000.00} ( Per violation ). 

I am putting Yamaha Motor Finance on notice of Cease And Desist pursuant to 15 U.S. Code 1692c ( c ). 

Follow my demands. For ANY noncompliance all actions necessary will be taken. Best regards.
Consumer complaint received 2019-11-27
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: Experian Information Solutions Inc. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNT- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account.

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9100.00} -This is not my account.

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.
Consumer complaint received 2022-05-27
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. (CA)

I have repeatedly called and written Transunion and XXXX about fraudulent inquiries on my credit report and they refused to address and or remove them. 

Transunion : XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX : XXXXXXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2022-05-27
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$580.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

Aidvantage keeps sending requests for loan repayments while i was still in school in XX/XX/23 and XX/XX/23. Finally got put back in to inschool deferment after much time with customer service. They made it clear that after I graduated in XXXX, I would have 6 months before I would have to start making payments. I started receiving emails about repayments again in XXXX and in XXXX of XXXX. I just called and after an hour I finally talked to somebody who told me that the XXXX grace period was with only be for the last XXXX semesters and I have to start making payments on the prior semesters because the grace period on those had already been used. I was not told this before. She offered a forbearance and I asked what are the negative side effects of this? She stated " there are none ''. I then asked about accruing interest on the loans during this time and this is when she finally says oh yes you have to pay interest. I consider this a negative side effect that she withheld. I found the customer service at this company to always take a long time to get on the phone and put me on hold often, and to not be forthcoming with information.
Consumer complaint received 2022-05-27
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Transunion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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 2022-05-27
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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 2022-05-27
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I filed a complaint against XXXX case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both XXXX and Experian. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to XXXX response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and the statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due amount=XXXX  reported balance=XXXX  This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, XXXX, Experian or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my XXXX and Experian Credit Report. Thank you
Consumer complaint received 2022-05-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CT)

" Borrower '' sent XXXX  " XXXX '' email to XXXX on XX/XX/2016. " Borrower '' never received a response from " Shellpoint '' to the XX/XX/2016 email to " Shellpoint '' escalations email. 

" Shellpoint '' neglected to send a letter in response to " Borrower '' XXXX  " XXXX. '' Instead, " Shellpoint '' sent a letter to the Connecticut XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

RE : XXXX XXXX XXXX XXXX XXXX When I moved from XXXX to XXXX in XXXX, my ex-wife and I shared custody of our daughter, and no child support was paid between the two of us. We had a verbal agreement to split any bills and expenses, which we did, from the time of our divorce in XXXX XXXX, which was agreed upon by the judge when our divorce decree was finalized. This continued well after I moved, and in XXXX of XXXX she decided to take me to court for child support ( even though custody remained shared ). Even though I never had an opportunity to appear and argue my side, this judge ruled against me and set a payment amount that was completely out of line from my income. I continued to fight this judgement. Two months later ( XX/XX/XXXX ), my daughter decided to move to XXXX to live permanently with me ( which her mom agreed ). All the while, enforcement continued from XXXX. While my daughter was living with us, XXXX transferred enforcement to XXXX ( not sure of exact date ). I went to court with a folder full of evidence and XXXXXXXX  stated they could only enforce, and any changes had to come from XXXX I continued to fight. From day one this account ( XXXX  ) has shown collection status. Fast forward to XX/XX/XXXX, my ex-wife has a change of heart and apologizes for the misery and torture she put me through and asks XXXX to withdraw enforcement. XXXX says they never received her request, and it was resubmitted by my ex-wife in XX/XX/XXXX ( after I brought it to her attention that the account was still showing open and unpaid ), which XXXX  acknowledged and withdrew. Even though I fought the legitimacy of this from the very beginning, XXXX  remains firm in reporting this as a collection account. I would like XXXX to either change the status from collection to paid ( or even unknown... as long as it's not negative ), or remove this altogether from my credit report. I find it odd that XXXX  doesn't report negatively against me, but XXXX does... and it was a XXXX judgement. How do we get XXXXL to correct this? I've filed disputes with Transunion, and they report it as accurate, but recently only changed the rating. I've added a consumer statement to my Transunion file, but I want the negativity removed from my report.
Consumer complaint received 2022-05-27
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. (MA)

The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX XXXX # XXXX - reported on XXXX Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / TransUnion This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX XXXX & TransUnion 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit Management is reporting false information about 2 credit cards that I paid off and I closed the accounts. I had returned some items during the Covid lockdowns ( totaling less than {$200.00} ) which they didn't credit on my accounts, and I contacted the credit card companies directly to resolve it, sent them copies of my receipts. Instead of dealing with me, the credit card companies wrote the accounts off. MCM is sending mail and calling me stating the balance is {$1900.00}.??? MCM has multiple addresses and telephone numbers on their correspondence. They have different " account '' numbers on every piece of their correspondence. This is a scam. They are causing my credit score to be lowered. I'm sure they were paid by the credit card companies. It's all a scam.