davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (AZ)

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Consumer complaint received 2020-03-04
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 HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED TRANSUNION, XXXX AND XXXX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-05
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. (AZ)

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

Aidvantage refuses to properly process payments and apply them to loans as appropriate. They send a bill wil the total due. They do not tell you that you need to make individual payments to individual loans in the bill they send you. They then penalize you for not paying a loan that should have put the payment towards. They tell you that you are delinquent. And that it is your fault for not paying the loan. They then tell you to mail the payment with a note saying how much goes to each loan. They then take 8 days after it arrives by certified mail to process the payment. After this they again send you another bill saying youre delinquent and owe more. They refuse to fox the issue and try to force you into autopay.
Consumer complaint received 2022-03-14
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)

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is XXXX an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Consumer complaint received 2019-04-05
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. (GA)

I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/2018 Amount- {$44.00} Account # -XXXX Date Open-XXXX Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

I have been dealing with issues with this company for the past few years.We tried to Refinance this loan for modification during Bankruptcy in XXXXWells Fargo denied us a modifiaction.Then after my husband passed in XXXX to his name only being on the loan.Wells Fargo went in behind my back and had my property reappraised at their cost and tried to get me to Refinance this loan with a upgraded home value.Then they suspended my online account access.My payments have been increased without any explanation why.This company keeps saying my escrow account is short but its not adding up to the payments being made.My calls in the past were ignored and not returned.I did seek legal counsel and was told the Loan does look predatory and their actions are unjust.I 'm prepared to seek legal action.Wells Fargo it looks like is trying to take advantage of my name not being on the loan due to my Spouses passing.I have a right to know where my money is going .I have XXXX children to support as a single parent.I have made payments on time due to wanting to keep our home.Every year my home payment keeps being changed.My loan balance due should be lower than what it is showing.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMS-Recovery Management Services, Inc. (CA)

My Name is XXXX XXXX. My father ( XXXX XXXX ) is helping me with this letter. Beginning in mid XXXX I developed XXXX. Both XXXX XXXX  XXXX, and XXXX  XXXX which prevented me from returning to XXXX XXXX University in Arizona. I am working with my doctor to find a medication that will allow me a normal life. But upon leaving XXXX they sent me a {$550.00} bill with no breakdown of what the fee was for. 

I sent them the following correspondence. 

RE ; XXXX XX/XX/XXXX To Whom It May Concern : I dispute the validity of this debt. XXXX XXXX University ( XXXX ) automatically enrolled me without explaining the significance, or expense of not returning to XXXX. 
Please send me my written contract making me liable for this specific charge, ************************ They send me my initial enrollment package with no explanation of the details of this bill. 

XXXX assigned it to RMS Collection. RMS was given a 3rd party authorization to speak to my parents. They refused. They refused to send me a breakdown of the charges. 

I did not want to have this {$550.00} collections hit my credit report and there was nothing I could do.. I had to pay it. But I still do not know what it was for. 

The balance was paid. 

But I would like specific details why I am being billed {$550.00}, and a specific complaint against XXXX XXXX ( Employee of RMS -  Recovery Management Services )
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (PA)

The XXXX branch has denied me access to my checking, savings, and debit cards. They stated my inheritance check for XXXX was fraud and could not give me access until it cleared. The check cleared 2 weeks ago and instead of giving me access they blocked my debit cards and refuse to give me kk why even when so come inn with an ID. The fraud department said the blocks are the branch managers discretion. The branch manager keeps telling me she is looking out for me and stated several different times that it would be fixed in a couple days. As of Monday XX/XX/XXXX she said she would call me back and never did. Monday I filed a complaint with the executive offices XXXX XXXX XXXX who stayed I would get a call from someone above the branch manager within 48 hours. That time has passed and still no response or resolution. Currently the bank is denying me access to my XXXX check that cleared two weeks ago. Tomorrow I will have my monthly deposit that I cant access and soon my social security. Ive been left without money for food, medicine, bills and daily living. I had to borrow money just to survive with food and medicine. My bills are going unpaid. 
There is no legal basis for this bank to deny me my money. I want the account closed and money released to me immediately.
Consumer complaint received 2023-01-05
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-05
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

Between XX/XX/XXXX and XX/XX/XXXX of 2020, I made 12 orders for coins advertised as " XXXX XXXX  XXXX XXXX '', and a couple other American currency coins. When i recieved the first order it was immediatly apparent that the coins were counterfeit. Some were magnetic and none weighed properly. All the rest of the orders were also counterfiet American currency, illegal to buy. sell or own in the USA..i immediatly informed PayPal inc. of the problem and requested that they refund my money, which they have refused to do for the bulk of the orders. PayPal profited from illegal sales and Now with full knowledge of the laws against the sale..specifically 16 CFR part 304 and HR2754. The hobbys protection act and subsequent addition to it, prohibiting anyone from significantly assisting in the sale of counterfiet currency. PayPal inc. Did refund one order and my credit card company refunded 3 orders. That leaves 8 orders totaling ... $ XXXX.I have complained to many agencies about this rip off and in more than one written response PayPal has not addressed the issue of the illegally of these sales in any way..only policy..significantly assisting these XXXX companys in counterfeiting american currency. ..
Consumer complaint received 2020-03-03
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. (UT)

XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of my credit report immediately.
Consumer complaint received 2023-01-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX 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 an account without my written instructions. 

I have attached XXXX XXXX credit profile showing inaccuracies and inconsistencies reported to all 3 credit bureaus including Equifax, XXXX and XXXX. Also XXXX Appliances and the 3 credit reporting agencies failed to provide verification that I owe this debt. I have also attached a letter that I sent XX/XX/2020 of my request. I have reached out to this company several times by letters and phone calls. Per phone calls representatives instructed me to request a dispute and that is what I did.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2020 - Attempted to access my online account with Experian and found that my online account was hijacked and linked to an unknown email address. 

Attempted to notify Experian but found that this was impossible online. Only by calling their corporate offices could I speak to an agent. Agent would not initiate fraud activity investigation and would only allow me to " reset '' account so I could access with my email and new password
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This debt is repeatedly forwarded to me for payment. It is NOT mine. It clearly belongs to another consumer who has obviously made payments on the original amount of {$440.00}, down to {$250.00}. I have repeatedly asked that they inquire about who has made the previous payment on the debt. This will validate the that the owner is not me. I have had no interaction with this facility since 1991.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

On XX/XX/2020 a collection debt was paid in full in the amount of {$680.00} to professional debt mediation INC on behalf of the original creditor XXXX XXXX. The debt is not valid and as of today XX/XX/2020 the debt is still being reported to ( 2 ) credit bureau 's XXXX  and XXXX.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (FL)

All of a sudden on my credit report a company called online collections showed up recently Ive never heard of them or the people they represent I have asked him three times to send me the dispute form and they have not and I asked them to pull it off my credit report while they are investigating because obviously they have the wrong person because I said I cant even prove I wasnt even in the same state where theyre saying the charges were incurred on the day that they were saying they were in XXXX so I was halfway across the country and yet they wont pull it off my credit report and Ive tried to reason with these people but they are beyond reason I mean I cant understand putting something negative on your credit report if it in fact is yours but its not mine and they wont even pull it off while that Im disputing it and they still havent sent me the form ...
Consumer complaint received 2023-01-05
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 XXXX XXXX account # XXXX and XXXX 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 state a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2022-12-25
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: EQUIFAX, INC. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : CXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, Experian, and XXXX ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, Experian, and XXXX ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, Experian, and XXXX  ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( 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. 

According to 15 USC USC 1681i ( XXXX ) it states that this ( 5 ) Treatment of inaccurate or unverified 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 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. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX