davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (IL)

I received a copy of my background report that is considered incomplete. No data was provided. I signed off a disclosure form that stated the following ... 

XXXX ( COMPANY ) may obtain from Sterling Infosystems , Inc. ( STERLING ), XXXX XXXX XXXX, XXXX XXXX, NY XXXX, ( XXXX ) XXXX, www.sterlinginfosystems.com, a consumer report and/or an investigative consumer report ( REPORT ) that contains background information about you in connection with your employment or employment application. If you are hired, to the extent permitted by law, COMPANY may obtain from STERLING further reports throughout your employment for an employment purpose without providing further disclosure or obtaining additional consent. 
The REPORT may contain information about your character, general reputation, personal characteristics and mode of living. The REPORT may include, but is not limited to, credit reports and credit history information ; criminal and other public records and history ; public court records ( e.g., bankruptcies, tax liens and judgments ) ; motor vehicle and driving records ; educational and employment history, including professional disciplinary actions ; drug/alcohol test results ; and Social Security verification and address history, subject to any limitations imposed by applicable federal and state law. This information may be obtained from public record and private sources, including credit bureaus, government agencies and judicial records, former employers and educational institutions, and other sources. 
If an investigative consumer REPORT is obtained, in addition to the description above, the nature and scope of any such REPORT will be employment verifications and references, or personal references. 

The information that was given to me does not contain what the reporting agency claims. Under the Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems as a background reporting agency in good faith should report ALL information pertaining to an applicant.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (CA)

I have called them back multiple times and they hung the phone up in my face or they told me that I needed to verify my account and provide them with my address or other identifying information. I called back on Thursday, XX/XX/XXXX and spoke to XXXX and I informed her that I was making a complaint to the National Do Not Call Registry and to please stop calling me and she simply okay you have a nice day. I said cease and desist and once again she said okay have a nice day and the call concluded. They have called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX at XXXX XXXX, XX/XX/XXXX at XXXX am, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Those are just some of the call logs that I haven't deleted from my phone.
Consumer complaint received 2020-02-27
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. (AR)

My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.
Consumer complaint received 2020-02-27
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. (GA)

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX  and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... XXXX, XXXX, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights. 

To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done. 

During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr! 

I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.
Consumer complaint received 2018-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

My total school debt is $ XXXX ; XXXX with XXXX and one or two semesters with XXXX that was not completed due to medical issues. Later found out I had have a XXXX removed from my XXXX. My loans were deferred and forbearance due to hardships. But, I kept up with my servicer until XXXX XXXX sold my loan to XXXX  XXXX. My loans were consolidated under XXXX XXXX. However, XXXX XXXX broke up my loans when it was sold to XXXX  XXXX. At this point, my loans were report as $ XXXX. This amount is incorrect. It appears it is " estimated interested '' already added to my loan. I did not learn of this until some of my loans were reported in default and XXXX XXXX came after me wages by attempting garnishment. I got my lawyer involved and then they agreed to put me in a repayment plan. However, even though I was paying them as agreed XXXX XXXX was still reporting me as default. The rest of my loans were with XXXX in good standing. After the " rehabilitation period '' was over XXXX XXXX sent me to Nelnet. They are charging {$20.00} interest day ; $ XXXX monthly or $ XXXX annually. This is just in interest. My monthly payment is {$690.00}. So that is a total of {$1200.00} per month. I was told an additional 30 % would be added for the life of my debt with Nelnet. There is no way I could ever pay this loan off. I don't make enough to keep up with this outrageous predatory lending tactic towards graduate students. These terms were not agreed upon when I took out my loan or exited my school process. I need help to protect my credit. Interest monthly should never exceed my monthly payment. Nelnet and XXXX XXXX are one in the same. I contacted XXXX XXXX  and it gives me XXXX, as well. I feel trapped and need help fast! Every day is costing me {$20.00}. I want to pay what I owe, not 3x 's plus 30 % " insurance '' for the life of my debt with Nelnet/XXXX. HELP!!!
Consumer complaint received 2022-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Re : Notice to Cease and Desist To Whom it May Concern : While checking my credit report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your company formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this communication, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 


If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2020-02-27
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. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-27
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-27
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: Synovus Bank (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (GA)

Experian Consumer Bureau is reporting unverified, un-validated errors on my credit report. after several attempts to dispute the errors ' they refuses to correct or update the file ; unlike the other consumer bureaus which have made the necessary corrections. Some of this errors are fraudulent, and could not be verified by the furnisher and the bureau refuses to properly investigate. This Agency is doing whatever they to want and not following any of the laws ; FCRA. Section 617,609,611.
Consumer complaint received 2023-02-08
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 thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-16
Product: Credit reporting 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XX/XX/XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my Transunion credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.
Consumer complaint received 2020-02-27
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: DISCOVER BANK (GA)

I gave access to XXXX XXXX XXXX to my XXXX XXXX and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX   XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. XXXX XXXX notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX  and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX  XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX   XXXX took similar actions with my Discover Card account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.