davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (LA)

I received a letter from RMP services on XX/XX/2023 at my request of verification and validation of said amount owed of {$900.00}. I told collector that the amount they are alleging I owe is incorrect. I noticed that the balance is astronomical and ask if I could get a complete breakdown/itemized copy of bill and the amount this company alleges I owe. I sent them a certified letter on XX/XX/2023. I received a letter back on XX/XX/2023, but it was not an itemized bill nor was it verified nor validated.
Consumer complaint received 2022-05-25
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Holloway Credit Solutions (GA)

I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt..
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (LA)

The company ran numerous credit checks even though I had an application pending This has affected my life and ability to get credit approvals for even the smallest things This company never had any intentions on giving me this loan and as an XXXX American these practices are offensive.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$50000.00} Equifax : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} : XXXX XXXX XXXX Balance : {$50000.00} XXXX : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. FCRA 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 corrected : XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2022-05-25
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. (TX)

I submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XXXX  XXXX XX/XX/XXXX, 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 and block any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Consumer complaint received 2022-05-25
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 submitted a complaint to the Credit Bureaus on XX/XX/XXXX requesting the removal of the fraudulent information : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XXXX  XXXX XX/XX/XXXX, 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 and block any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included these items in my previous Complaint # 's XXXX, XXXX, XXXX & I am including them again.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX ** TN Child support Account # XXXX ** XXXX  Account # XXXX ** XXXX 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 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I been a bank of America customer for well over five years. The service they are currently providing involves checking accounts as well as a couple of credit cards. The issue revolves around one the credit an account open in XX/XX/2016, which I been using actively. through out the years bank of America has issued me certain credit limit increases based on my request and or payment history. However, for reasons unknown to me bank of America has dropped my credit limit from {$5000.00} to {$3000.00}. The action affects my account negatively since by reducing my available credit limit bank of America is increasing my credit usage. A factor that is determinant toward maintaining an ideal credit score. The credit usage is the second most important score within a credit score, second only to on time payment and accounting for about 30 % of a credit score.I am yet to know the effect such action will have on my score but chances by next month it will reflect the damage to my credit score. In any case, it feels as if bank of America is trying to coerce me.
Consumer complaint received 2022-12-17
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. (MD)

This is XXXX XXXX and I am requesting that you remove the disputed fraudulent accounts and information from my Credit File as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent accounts off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX Balance {$540.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX {$450.00}. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft within the time allowed by law, please do so.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX 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 corrected : XXXX XXXX Balance : {$0.00} ; and XXXX XXXX Balance : {$320.00}
Consumer complaint received 2022-05-25
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-07-31
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. (NV)

Remove the inaccuracy reporting on the following accounts : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... XXXX credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OR)

the debt they are trying to collect is inacccurate. I believe I do not owe at all and was told my representatives of the company they are trying to collect for that I had closed out my account years ago and it was paid up to date. I have told them this and provided proof and also requested they prove my debt. All they sent me was a single page paper saying I am overdue. They will not explain what my charges are for or anything and said they were reporting to a credit agency
Consumer complaint received 2024-03-10
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. (MD)

XX/XX/2024, I contacted Transunion to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX , and they did investigate my dispute but did not update and delete the inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Multiple Federal Laws are being broken by the credit bureaus and XXXX/ XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

I mailed an escrow check for {$16000.00} on XX/XX/XXXX. I called on XX/XX/XXXX because the title company said the check had been cashed and it still had not posted to my account. I was told I had to wait XXXX days for it to post. 

I called again on XX/XX/XXXX and spoke to XXXX. She said she could create a Complaint Number ( XXXX ) but didn't do anything about the fact that my payment was due that same day. 

I called again on XX/XX/XXXX and spoke to XXXX. She created an Investigation Number ( XXXX ). At this point I had been charged a late fee and additional interest charges for the payment which was due on XX/XX/XXXX. XXXX said I needed to may a payment which I refused to do since I had sent a large check well in advance of the payment due date. She connected me to a manager upon my request. I talked to the manager XXXX, and explained that I refused to pay extra when it is the companys fault the payment is missing. I was told she could waive the interest and late fee once " to give more time to investigate the missing payment. '' I also sent her an email with a picture of the check I had sent to XXXX with the subject line " XXXX. '' As soon as I was off the call with XXXX, also on XX/XX/XXXX, I requested copy of the cashed check from the title company. 

I called again on XX/XX/XXXX for update on the investigation. I was told it was " still in processing '' and had not eve been assigned yet.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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. Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 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 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MO)

I noticed that on my credit reports, an account appeared, from National Credit Adjusters. To this day I have not received anything from them in writing, but they are reporting every moth that I am late on a payment. Once I saw them on my credit, I sent them a certified letter asking them to provide information about the account, such as signatures by me, collection activity, and account information. This particular account has been sold or referred to collection twice, which I outline in the certified letter. The letter was sent on XX/XX/2020 and delivered to NCA on XX/XX/2020. There has been no response from them.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (SC)

They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.