davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Southwest credit Systems has reported the same collections on my credit file now for the past year. The account does not belong to me. It belongs to my brother. I have disputed this once before and it was removed. Now they have added the collections back on my account a few months later and increased the amount to a higher balance! The account belongs to my brother. I currently have an active phone line with XXXX  and I am not in any debt with them. You can not have a current line with a mobile service company without paying off accounts you have in collections. This account belongs to my older brother and I would like this to be removed immediately. Stop reselling this account that does not belong to me. They also have not been able to provide me with a debt validation letter as well.
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

To : XXXX  XXXX RE : XXXX XXXX  XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an ExxonMobil account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that ExxonMobil conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response.

Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (ID)

I checked my credit report and this was on it. I have no knowledge of this account I never had an account with this company. Ive tried to dispute it and it remains. 
XXXX XXXX XXXX XXXX {$350.00} Open balance 12 XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX  ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name 12 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I had an account go delinquent with XXXX XXXX a couple years back. They ended up sending a bill with the option to settle for about {$200.00} less than what was owed ( if I sent the payment back in full for what they were asking ) so I decided to jump on it. It wasnt an easy decision seeing as how the pandemic was starting, and my partner and I just had a baby. I sent the payment back to credit one with a check. Never heard from them so I was assuming it was cool. I THEN ( about XX/XX/2020 ) get SERVED by a lawyer for MIDLAND CREDIT. I immediately contacted the lawyer listed and paid the remaining {$200.00} I owed, PLUS another {$100.00} because I thought I had to pay for court fees for midland filing! I got the letter from the lawyer ( on behalf of midland ) that the account was settled and closed. 

NOW I see a collection for {$600.00} pop up from midland on behalf on credit one! Im starting to think these businesses are in cohoots with each other and are taking money from VICTIMS during this pandemic. I have a lot on my plate and this MISHAP just set me back a million miles. I cant believe this.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

We made a principal only payment in XXXX which was returned. We called to complain about that ( as well as other complaints ) on XX/XX/XXXX. At that time we made a principal payment with the XXXX. It was never processed. There is a recorded conversation which Ameriahome needs to review and then process our payment, retroactively, back to the day we called. I am unable to get a supervisor to return our call and am scared to make another payment online with them. We have also asked twice for a bi-weekly program and they were to send the info to us. Turns our their reps do not know the difference between bi-weekly and budget pay.
Consumer complaint received 2021-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

I, XXXX XXXX ( the daughter ) own XXXX XXXX XXXX XXXX XXXX VA, property that is under contract and I can not gain a payoff statement from PHH Mortgage company. All documentation has been provided by way of XXXX XXXX XXXX thus the request for the payoff statement. 

I am being told that I am unauthorized, thus PHH Mortgage will not communicate with me. I can not gain an understanding as to why I have not been listed as an authorized person. I need the payoff statement within the next 48 hours in order to close. 

My mother is deceased. The mortgage is in her name but the deed reflects both of us : joint tenants with rights of survivorship.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX  XXXX Balance Owed : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

US DEPT ED XXXX Balance Owed : {$4700.00} You are reporting incorrect balance and an inaccurate payment history. Please remove because of violations. 

US DEPT ED XXXX Balance Owed : {$2700.00} - Date of Last activity showing different dates at each bureau -Please delete for inconsistent dates of last activity and because this has also been re-aged. 

US DEPT ED XXXX Balance Owed : {$900.00} - Failure to report the Date of last activity is a Violation. Delete immediately. 

XXXX XXXX XXXX Balance Owed : {$11000.00} - his account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history has been reported after the account was closed. These are all violation. 

XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been paid, Please remove Immediately.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter reaches you well. I am contacting you to discuss a troubling matter regarding my credit report. After a detailed review of my credit history, I've discovered discrepancies related to late payments associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


These inaccuracies concerning late payments significantly distort my credit report. Therefore, I urge you to promptly correct this information. Enclosed are supporting documents such as bank statements and payment records verifying timely payments for the specified accounts.
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc (LA)

This is my email I sent to Possible Finance XXXX XXXX XXXX XX/XX/2023, XXXX PDT I received an late payment showing on my credit report. This is XXXX. Everytime I go into the app to make my payments I always have a XXXX problem with your app. I notified you a couple of times about your app. I want this taking off of my credit report. If not I going to my attorney. 

I know that the lender say it will take some time to fix it. I filed a dispute with the XXXX credit bureaus several times and I get the same exact that the lender sent back stating XXXX disputes this account information Charged off account.
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CO)

ORDERED LAB TESTS AT PRIMARY DOCTOR. LAB COMPANY WAS TO BILL MY PRIMARY CARE DOCTOR AT THE NEGOTIATED RATE, AROUND {$60.00}. LAB COMPANY BILLED ME DIRECT ( {$340.00}, NOT THE {$60.00} I AGREED TO PAY MY PRIMARY CARE DOCTOR ). I HAD OFFERED XXXX XXXX TO SETTLE THIS MATTER FOR HALF ( {$170.00} ). I SENT THIS OFFER TO QUEST MONTHS AGO. THEY NEVER RESPONDED TO ME. A COPY OF THE LETTER I SENT THEM IS ATTACHED. I HAVE NEVER AGREED NOR SIGNED ANYTHING TO PAY FOR THESE SERVICES TO THE LAB COMPANY. TRIED TO CALL THE LAB COMPANY 5 TIMES. SAT ON HOLD FOR OVER 30 MINUTES EACH TIME. WROTE LETTER TO XXXX COMPANY EXPLAINING I AM WILLING TO PAY THE NEGOTIATED AMOUNT AND FOR THEM TO CONTACT ME. THEY NEVER CONTACTED ME AND ONLY SENT THIS DEBT TO A COLLECTION COMPANY. I'VE ATTEMPTED TO HANDLE THIS WITH THE COLLECTION COMPANY BUT THEY TOO ARE NOT INTERESTED IN TALKING WITH ME. THEY HAVE NOW PUT THIS ON MY CREDIT REPORTS AND NEGATIVELY AFFECTED MY CREDIT SCORE.
Consumer complaint received 2021-01-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date
Consumer complaint received 2021-01-17
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)

I THINK SOMEONE HAVE MY SSN AND I HAVE 39 HARD INQUIRYS ON MY CREDIT REPORT FROM XXXX, XXXX, TRANSUNION PLEASE HELP
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have on three separate occasions asked Transunion, XXXX and XXXX  verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.
Consumer complaint received 2021-01-18
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-01-18
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 recently, complaint # XXXX-XXXX, but inadvertently forgot to upload the proper documentation. Please see the attached. This complaint is to be reviewed with complaint # XXXX-XXXX
Consumer complaint received 2021-01-17
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. (PA)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a VIOLATION of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-01-18
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. (GA)

The credit bureau is reporting a fraudulent account on my report. The account reporting was fraudulently established by my ex-wife without my consent. The name on the account reporting is XXXX XXXX  ( XXXX XXXX ) for {$200.00}.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (IL)

I had credit report run that showed TD Bank had a credit card opened in my name in XX/XX/2019. I never opened that card, meaning someone else used my information to get it. Now, I have an outstanding credit in my name that I never made.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (NY)

These companies are inaccurately reporting items on my credit report that don't belong on there. I have sent letters and complaints over 45 days ago and still haven't gotten any response. Please assist me in removing these unauthorized accounts and infomtnatin from my credit report. Enclosed are photos of my ID, proof of address, social security card and the letters sent to the credit card companies that they disregard.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and XXXX, the company continues to be non-compliant., Requesting a re-investigation compliant.
Consumer complaint received 2021-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (TX)

A company called professional Finance Co, based out of Colorado has falsely reported that they are collecting a debt in my name in the amount of {$480.00} from XXXX XXXX XXXX. I believe this is a scam created to falsely make people think they owe money and try to scare people into paying. I have never had an account with any XXXX XXXX XXXX, nor ever received any communication from this bank, nor any communication from Professional Finance Co the collection agency regarding this matter, yet they reported this on my created report on XX/XX/2019. I have reached out to the agency in writing regarding the matter but never received anything back, I have filed a dispute with the credit bureaus but they did not correct the matter on my credit report. The CFPB should look into this scam as a quick XXXX search has yielded results where others are being scammed in a similar way as I.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.
Consumer complaint received 2021-01-17
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: EQUIFAX, INC. (NV)

On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the Equifax data breach and may have got into the hands of the wrong people!
Consumer complaint received 2021-01-17
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. (GA)

I have contacted equifax, XXXX  and XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. The following below is listed on my credit report and should be removed. If not removed I will file lawsuit XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

This debt started as a shake down to get me out of an apartment for one months rent due, I left on my own. This alleged law firm negotiated an amount for me to settle the billing. I went to pay it in person and it was not accepted. They got a judgment after serving me at the address that they removed. As a result they are garnishing my wages and collecting interest as a third party collection agent. they have also reported these lies to the credit bureaus.
Consumer complaint received 2021-01-17
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. (GA)

As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.