davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

Unfortunately, I dont have all the dates but I will provide a short summary of over 12 months of me attempting to collect a credit from Barclays US . 

I was issued a refund on XX/XX/2021 from a hotel stay. When I realized the funds did not reflect on my credit card, I contacted Barclays US. The representative was unprofessional and immediately stated that I wouldnt get a full refund because I stayed at the hotel for a night. The merchant had advised, prior to check-out, that I would receive a full refund. Since then, I have reached out to the merchant and Barclays US several times to get this issue resolved. The merchant has provided a receipt that shows the refund which I faxed over to Barclay. The initial reason Barclay refused my refund is bc they were advised that the hotel stay was non-refundable. As of today, the reason I was told is some merchants will say they refunded the purchase but not complete the actual refund. This is extremely frustrating bc I have provided evidence that the refund was issued but Barclays US refuses to issue the refund to me. The most hurtful part of this all is I had to pay Barclays US in order to remain in good standing with the credit bureau! Its unfair that this company is allowed to do this to a hard working single mother. This ordeal has been a horrific experience. I NEVER wish to do business with them again! I feel like they stole from me and the company should be ashamed! I was a loyal customer but Barclays US was complete trash to me! I canceled the card today. I would also like to add, I attempted to speak with a manager, I was advised I had to wait up to two weeks for a call back that I never received. This happened twice.
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this com

pany to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the d

ebt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2022-05-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account no. XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A ; section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-18
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. (OR)

On XX/XX/22 I noticed that my old XXXX loan servicer ( XXXX ) and my new XXXX loan servicer ( XXXX ) are both appearing on my credit report. This makes it appear as if I owe double the amount of debt. I owe {$21000.00} in federal XXXX loans and they are appearing twice on my credit report, making it appear as if I owe {$42000.00}. It is impacting my credit score and I was hoping to apply for a mortgage soon. I was informed the switch to a new servicer was taking place in XXXX, XXXX stopped reporting anything after XXXX. I was told XXXX would be taking the loans over from XXXX, but XXXX now has them. 

I contacted the two credit bureaus that show both. Equifax has adjusted the historical data of my loans at XXXX, but the record is still in my report. I am awaiting a response from XXXX. XXXX is only showing the XXXX loans. 

I contacted XXXX and I am awaiting a response. 

This is a serious issue as the reports show my credit score has gone down by XXXX points during this transfer of loans to a different servicer. Those XXXX points are literally the difference between a " good '' credit rating and an " excellent '' credit rating for me. If this is not corrected, I will not be able to get the best interest rates on a mortgage that I deserve.
Consumer complaint received 2022-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been repaying college loans for XXXX daughters since XXXX. Navient has made multiple errors recording payments. There were multiple subaccounts and also XXXX daughter got navient loan for XXXX school which has caused a few errors. I have asked and later demanded that Navient provide information and have their qualified manager verify my actual balance and compare their records with mine to verify all my payments were recorded and correct interest applied. Navient has many times mailed me a packet of information but that does not demonstrate my concerns. I seriously doubt that I still owe more than {$8000.00}. I am highly concerned about the multiple errors navient has made including several in XX/XX/XXXX.
Consumer complaint received 2022-05-31
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. (NC)

I did not consent to, authorize, nor benefit from the following inquires. XXXX and remove it. XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2022-05-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BILL.COM, LLC (PA)

I started an account with Bill.com XX/XX/ 2022 because you can receive and send instant payments in all types as of XX/XX//2022 Bill.com is hold {$9800.00} of my deposited funds and will not give me reason. Also there wasnt nothing instant because here we are 5 days later with no payment..and I am expecting other deposits totaling over {$20000.00} usd. They should not be able to hold without explanation
Consumer complaint received 2022-05-31
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Hi, I hope all is well. My name is XXXX XXXX and I am the personal representative for my grandmothers property located in XXXX, MD. I have been working with a real estate agent to get my grand mothers house sold. We have been growing through the short sale process for a year. The first lender was XXXX. We got the appraisal done and it came in at {$90000.00}. The mortgage was then sold and moved to PHH. PHH would not use the appraisal that was done by XXXX and stated that they had to have there own completed. Another appraisal was ordered and completed in XXXX of XXXX. That appraisal was submitted and came in at {$70000.00}. All requested paperwork was submitted and we were awaiting next steps. While we were waiting, the short sale specialist stated that another appraisal had to be completed due to the appraisal expiring. Another appraisal was completed and that appraisal came in at {$100000.00}. Again, all paperwork was completed and submitted. Again we were waiting for the next step from the bank as all paperwork had been completed. The short sale specialist, XXXX XXXX, stated that the short sale would not be approved due to a sale date of XX/XX/XXXX. My real estate agent check multiple sites and even went to the court house. There was no sale date set. The agent also called PHH on XX/XX/XXXX and the rep stated that no sale date had been set and that there was no sale date on the property. The agent then reached back out to XXXX XXXX XXXX, the assigned short sale specialist asking if we were moving forward with the short sale and he stated no that a sale date of XX/XX/XXXX had been set. Another search had been done and no sale date of XX/XX/XXXX had been found for the property via the court house or online. At this juncture, it seems as though PHH is trying to push the property into foreclosure, more specifically XXXX XXXX is. At no point has he tried to help. It takes him weeks to respond to emails, if he responds at all and that is the only point of contact with him is email. Please help me save my grandmothers home from foreclosure
Consumer complaint received 2022-05-31
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. (FL)

I reviewed my credit report and noticed the following issues. XXXX XXXX - Account number : XXXX This account has many errors/inaccuracies. High credit is not accurate - account is being reported inconsistently across all three bureaus. Date opened is not accurate - account is being reported inconsistently across all three bureaus. Date last active is not accurate - account is being reported inconsistently across all three bureaus. Payment status is not accurate - account is being reported inconsistently across all three bureaus. Payment history is not accurate - account is being reported inconsistently across all three bureaus. I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (NC)

Prince-Parker & Associates , Inc. , furnished an alleged & illegal debt to my XXXX, XXXX, XXXX XXXX XXXXonsumer report which is a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ), since I, the consumer, never provided written instructions furnish the inaccurate information to begin with.
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Upon reviewing my quarterly credit report, I've observed that my charge off with XXXX XXXX still maintains a balance. Further investigation revealed that when an account is charged off with XXXX, XXXX, and Equifax, it should indicate a XXXX balance. Since this debt has been officially written off, I kindly ask for your cooperation in updating the balance to {$0.00} with XXXX, XXXX, Equifax, and XXXX XXXX. It is incorrectly effecting Debt to Income Ratio ( DTI ). 

Additionally, I have made multiple requests to XXXX XXXX for a 1099-C, as required by the IRS when a debt of {$600.00} or more is charged off. Despite this, I have yet to receive the necessary documentation. Furthermore, I've requested a comprehensive payment history leading up to the debt 's write-off, as well as a copy of the terms and conditions at the time of charge off. 

Your prompt attention to these matters would be greatly appreciated.
Consumer complaint received 2022-06-01
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 XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-01
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  XXXX Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-01
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: U.S. BANCORP (NC)

My name is XXXX XXXX, I am writing this letter to inform you and come to a resourceful resolution for both of us. During XX/XX/XXXX, I opened a Line of Credit with one of the Bankers to help me pay my mortgage that I also had through U.S. Bank for that month. 

All was well, but unfortunately in my personal life a few short months after, I had faced some hard times and was unable to keep up with my obligation of re-payment at that time. It wasnt until approximately XXXX when I had not only moved to another state ( North Carolina ), but my finances were in a much better place when I started to receive correspondence about this repayment/collection. 

It wasnt until XXXX when this item started to cause me issues, ( buying a home, preparing for XXXX XXXX ) when my wife and I were beginning to get our affairs in order to buy a home for our growing family of four children, we were not eligible for the USDA Loan because of this Line of Credit was keeping my score at stand still pace of XXXX and for the USDA loan, it required a XXXX credit score. The lender we were working with was helping us and was able to verify the information above once he pulled my credit score. 

It was then when I spent several months off and on trying to get a hold of the appropriate person/department within U.S Bank to try and get some assistance regarding this and get a resolution so my family and I could not only look to buy a home, but I had gotten to the halfway point of becoming a XXXX XXXX within the XXXX XXXX XXXX to serve my community. ( Which Ive now completed ) When I finally reached the appropriate department and told them the above story and the representative told me that they could assist with payment, I was relieved, my hope to provide my growing family of XXXX ( including myself ) by buying a home was going to come true, and then I could begin focusing my serving my community as a XXXX XXXX, but that dream was short-lived ; I was told by the representative and if Im not mistaken, a manager within the Recovery Department that -U.S. Bank : Line of Credit ( Acct XXXX ) for {$1000.00}, but more like {$1100.00} with past due fees could not be paid or at least the phone representative couldnt take payment due to the North Carolina Statute of limitations. 



This letter is a last-ditch effort in hopes of making a dark situation in my life into a light one, as Im now a XXXX XXXX and pursing a full-time career as a XXXX in XXXX with my family through XXXX XXXX XXXX XXXX XXXX 

Could you kindly guide me in the steps necessary to write my wrong and make a payment or remove this from my credit, which then, the credit reporting laws will ensure that bureaus report only 100 % accurate credit information, and Ill be able to not only put this multiple year issue behind, but begin my journey with my family serving in the ministry and my community.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Reporting Act XXXX account consumer reporting XXXX XXXX XXXX # XXXX. fed loan # XXXX, XXXX XXXX XXXX # XXXXBankruptcy chapter XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (TX)

first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX also XXXX is reporting that I have applied for XXXX chase XXXX XXXX XXXX ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
XXXX XXXX  card inquiry ( 2022 ) i need it removed XXXX is refusing to honor my wishes