davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My student loan has been listed as In Repayment with Firstmark Services, despite the fact that the loan should be forgiven ( {$0.00} balance ) through a teacher forgiveness program. 

On XX/XX/XXXX, the human resources department at my school district, XXXX District XXXX, mailed a South Carolina Student Loan SC XXXX Loan Forgiveness form to South Carolina XXXX XXXX XXXX, XXXX : XXXX. SC Student Loan confirmed by phone that the paperwork was received the first week of XXXX and was forwarded to Firstmark Services, the new loan servicer, https : //firstmarkservices.com/. SC Student Loan also confirmed to me that this year of service would mark the total forgiveness of the loan, and that the balance should be {$0.00} once paperwork is processed. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was in repayment status. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was past due. I spoke with a customer service representative with SC Student Loan and was told that paperwork has been in process since Firstmark Services took over servicing their loans, and to request a deferment so that the paperwork could " go through. '' I spoke with a customer service representative with Firstmark Services, and was told that I could receive a deferment through XXXX. On XX/XX/XXXX, I received communication from Firstmark Services that the deferment had been approved. 

On XX/XX/XXXX, I received communication from Firstmark Services that my loan was once again in repayment. 

On XX/XX/XXXX, I spoke with a customer service representative with SC Student Loan. She remarked that, after looking over my system notes, that it appears Firstmark Services had not responded to their submissions, and apparently Firstmark had not done anything to process repayment since XXXX. She would re-submit the paperwork on my behalf. 

My loan is currently listed as due XX/XX/XXXX. 

In my years dealing with SC Student Loan, I have always experienced excellent customer service and timely processing of forgiveness and deferment. I believe the issue is with Firstmark Services.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit Management is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IL)

My XXXX account was frozen due to a report of one speeding ticket. The report is false. The speed limit on the report was hire then the actual speed I was going at the time. 45mph on a 35mph road. The police officer had to purposely stated false information about me. Please help me. I need to work. I am a XXXX  and this is the only part time job that I can live off right now. 

Thank you.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASG Solutions LLC (IN)

I received a voice mail from " XXXX '' from XXXX XXXX XXXX. Indicated that there is pending litigation and indicated they checked the DMV and they knew I had a car insured and registered to my home address and that I would be served.
Consumer complaint received 2022-12-27
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: EQUIFAX, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (AR)

I recieved a debt collection letter from First Credit Services , inc . Listed the Creditor as XXXX XXXX XXXX XXXX XXXX. The balance listed {$640.00} XXXX XXXX XXXX. 
This letter is the first and only time I've heard anything of this account. I've never applied for this account never paid on this account ; I've never heard anything about this account. This debt is not mine and I'm not paying for it. I spoke with XXXX at the credit services and fully explained this is not my account nor my debt and that I would be filing this report.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

I paid off my balance in XX/XX/XXXX. In XXXX the company added on a {$2.00} fee to my account without my knowledge and didnt send me a bill for this fee instead they added late fees each month and showed my account as missed payments from XXXX - XXXX XXXX have not used this card since XX/XX/XXXX and was under the impression my account was at a {$0.00} balance. I called they agreed to waive the fees and show my account as current and never missed a payment. But now I check my credit report and they are reporting {$99.00} balance and late payments. I called back and they told me it was nothing they could do to show my payments was never missed. They falsely report my payments as late from XXXX to now. They said they balance would reflect as {$0.00} until XX/XX/XXXX 2023
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (TX)

XXXX XXXX XXXX  has filed bankruptcy. I was in the middle of treatment with my aligners. I am unable to complete my treatment due to issues with my aligners. Health Finance Direct is taking payments from my account still and threatening to send my account to collections if I don't continue to make payments.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO
Consumer complaint received 2020-01-07
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)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-05-14
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. (NY)

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

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

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XXXX XXXX, XXXX
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XXXX XXXX XXXX  on XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.I also have a fraud account on my credit report XXXX XXXX I account number XXXX this is not my account please delete immediately
Consumer complaint received 2022-05-04
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Equifax is not letting good accounts report to my report. There are multiple accounts that have not been showing up on my Equifax report. I called Equifax and was told that the reporting party is not sending info on new accounts to them. So I called each account agency and asked for proof of reporting to Equifax. I have a letter from one account holder and they have been reporting for one year and six months. This is a violation of FTC AND THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

XXXX has sent verification requests to M & T bank TWICE to verify my account information so they can submit my grant money to bring my mortgage current. M & T has not responded to either of these requests. Their response to me is not acceptable. M & T bank advertises that consumers should apply for state grants to help with mortgage accounts in forbearance. I have applied for these funds in XXXX of 2022 and M & T bank is not cooperating with XXXX. I have already received assistance to help pay for my heating bill thru XXXX and there was no issues whatsoever with the communication between XXXX and the oil company. This needs to be taken care of. My home and my life is not some game!
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2023-07-06
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX AND XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXT ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}
Consumer complaint received 2022-12-20
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. (NV)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint # & I am including it again., 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 XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00}
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 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 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  accounts has violated my rights. 

XXXX hard inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 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 2019-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (OH)

I knew I fell behind on payments with XXXX XXXX XXXX ( XXXX ) and was having a hard time paying my monthly bill. In XXXX I spoke with someone at XXXX and they made me aware that my account was going to be sent to default if I did not make a payment. I said I could not make the full amount due, but that I would make a payment. She said that if I made a payment of {$1000.00} my account should not go to default, but she couldn't make any guarantees. So on Friday XX/XX/2018 I made the payment of {$1000.00} to XXXX. On Monday the XXXX of XXXX I found out they sent my account to what I was told was default. I once again got into contact with XXXX and asked if they could get my account out of default because I made a good faith payment. XXXX said they would send my request to the lending department and I would hear back in 7 to 10 business days. After that time passed and I had not heard anything I once again got into contact with XXXX. XXXX said they were still waiting to hear back from the landing department and for me to wait a little longer. So I waited another week and still did not hear anything from them. When I logged in online I noticed my balance said I owed something around {$3200.00}. When previously it said I owed {$0.00} from where they sent it to default. I contacted XXXX again and asked them if it was out of default and they just said I owed the {$3200.00} dollars. I asked them why my account hadn't been credited the {$1000.00} payment I made in XXXX, and they said it was sent to the collection company. I asked them if they would get it back so my account could be credited and XXXX said they would have to figure out how to get it back and they would contact me withing 7 to 10 business days. OnXX/XX/2018 I received a check from XXXX XXXX ( collection agency ) for the amount of {$1000.00} dollars. I was curious why they didn't send that amount to XXXX. When I got back on the XXXX   website my account once again said I owed {$0.00}. When I called XXXX and asked them about it, they said my account had defaulted. I once again asked for a review to be sent to the lending department because I had made the good faith payment in XXXX, and was waiting to hear back from XXXX. I started getting phone calls from a collection agency in late XXXX Trans World Incorporated stating I owed the balance due on my loan ( {$51000.00} ). When I once again  called XXXX they said my loan defaulted and that they no longer have the loan and that I would have to contact Trans World Incorporated.