davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
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)

I sent the credit reporting agencies EQUIFAX and XXXX as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks
Consumer complaint received 2017-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO.,  Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine!  I looked them up and they have been reported numerous times to the BBB for false collections,  such as this.  I called XXXX and and emailed them.  I also submitted my complaint online to dispute it.  I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Purchased a home with an existing loan from MR COOPER Obtained Payoff information on XX/XX/2020 Home closed with a General Warranty Deed in XXXX XXXX, North Carolina, all cash on XX/XX/2020 A check from the closing attorney was issued XX/XX/2020 with the loan number written on it, and was confirmed deposited from the attorney 's trust account As of today, MR COOPER has not cleared the lien, and is actively trying to collect on this account ( another $ XXXX ). 

We are trying to sell the home, but the new buyers can not obtain title insurance due to the lien still being on the home Me, the homeowner, and the closing attorney, have spoken to Mr Cooper 2-3 times per week for the last 6 weeks trying to resolve this, but they have refused to clear the lien and are trying to collect payment from me, even though they have admitted that they have " lost the deposit ''. 

This money has been stolen, and I need this investigated asap.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (CA)

I purchased a car on XXXX from Mercedes Benz XXXX XXXX. I paid cash. When I went to sign release papers the XXXX XXXX, XXXX XXXX told me he ran my credit report. I asked why? I paid cash. He said it was a check and its standard procedure. I had no options since it was already fine. He could have called bank to see if funds were available or I could have left car on lot until the check cleared. 
He just had me sign my paper work and never apologized. I was so mad. I plan on buying a house next year and it lowered my credit score! 
I complained to the XXXX XXXX XXXX XXXX twice and she never addressed. My point is he should have asked me first. I wasn't financing the car.
Consumer complaint received 2022-01-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Champion Morgage Company charging large inspection fees as part of payoff.. no inspections were needed or necessary. There was someone in the house at all times. 

There were also inappropriate / fraudulent servicing fees of XXXX $ each month. The company was charging interest on this loan every month. 

Champion has the worst customer service..
Consumer complaint received 2022-05-26
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. (MO)

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items corrected or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / ( Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/XXXX ( Late 90 days XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$7200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$7500.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$3700.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX )
Consumer complaint received 2022-12-19
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. (RI)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX Balance : {$160000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX  Balance : {$4500.00}
Consumer complaint received 2017-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IL)

My balance should  be less than $9,000 they charge me the wrong interest. They have not resolve this matter.        Great lakes and XXXX college XXXX XXXX XXXX                                                                    The begin and end dates for all terms.
The enrollment status during each term as either half-time or full-time. Please note, we cannot accept part-time as a valid status.
An authorized officials name, title, signature and signature date.
 
This documentation can be returned by email to the address listed below, uploaded through the forms section of your mygreatlakes.org online account, faxed to telephone number XXXX, or mailed to:
 
Great Lakes Borrower Services XXXX XXXX XXXX XXXX, WI XXXX  
Upon receipt of at least half-time certified enrollment verification from your school, your request for deferment will be evaluated, and you will be advised of any change to the status of your account. If necessary, the deferment will be applied retroactively to the date you began attending at least half time, as provided by your school.
 
We hope the information provided is helpful. If you have additional questions or concerns, please contact our Borrower Services Department by telephone at XXXX XXXX (Please note that some calls may be monitored or recorded for quality assurance purposes), or by email at XXXX.
 
Sincerely,
 
Complaint Resolution Team
 
 
 
 
 
 Original Message  From: "XXXX XXXX"  Received: XX/XX/XXXX XXXX XXXX CST To: "Great Lakes Borrower Services"  Subject: RE: School and financial aid : I'm currently in school or going back to school, and I want to know why I'm getting billed
The did already 
 
On XXXX XXXX, XXXX XXXX XXXX, "Great Lakes Borrower Services"  wrote:
 
 
Hi XXXX,
 
Thank you for your recent email.
 
If you were still attending school as of XX/XX/XXXX. Please have your school send us a complete enrollment history, which should include all of the following:
         The beginning and end date for all terms (month/day/year).
         Your status during each term, specified as either a full or half-time student (we cannot accept part-time).
         The name, title and signature of an authorized school official.
If you still have any outstanding questions or concerns, please do not hesitate to contact us.
 
Sincerely,
 
XXXX
 
 
Borrower Services Department Great Lakes Educational Loan Services, Inc. [XXXX XXXX|tel:XXXX] or [XXXX XXXX|tel:(XXXX] TTY XXXX Monday  Friday XXXX XXXX XXXX XXXX. Central time
 
Residents of CA, CT, DC, IA, MI, NC, OR, and VT: Under the law of these states, Great Lakes Educational Loan Services, Inc
Consumer complaint received 2022-12-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2022-05-26
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. (MO)

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these inquiries removed or have anyone from Equifax contact me about the status of my concern. Here are the inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (NH)

XX/XX/2022 SENT CERTIFIED MAIL TO UNITED UATO CREDIT ( XXXX ) SIGNED FOR BY XXXX XXXX ON XX/XX/2022. REQUESTING DEBT VALIDATION LETTER XX/XX/2022 UNITED AUTO CREDIT RESPONDED TO THE DEBT VALIDATION, PROVIDED INFORMATION THAT DOES NOT MATCH REPORTED INFORMATION ON MY CREDIT REPORT. 

THE DISCREPANCIES INCLUDE, DATES OF CHARGE OFF, CONTINUED REPORTING ON CREDIT REPORT INACCURATED DATES AND AMOUNTS THAT THEY ARE ATTEMPTING TO COLLECT ON. 

ON THE CREIT REPORT THEY ARE REPORTING CLOSED, WITH ANOTHER BALANCE THAT IS NOT SHOWN ON THEIR VALIDATION INFORMATION.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

Hello, I recently sent Late payment removal letters and Charge Off Removal Letters to XXXX, Equifax, XXXX and the creditors requesting to remove late payments and Charge offs off of my consumer report. I sent out the Late Payment removal letters to the consumer reporting agencies and they have all came back as Return To Sender and undeliverable. The Charge Off Letter requesting a 1099c for my tax return to the credits also came as Return To Sender. I sent out a letter to the consumer reporting agencies XXXX, Equifax and XXXX letting them know that they are furnishing inaccurate information on my consumer report and that they had 5 business days to respond. They have failed to do so. 

I sent out the Late Payment Letters on 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 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 Doesn't show amount Charged Off- XXXX XXXX Im asking consumer reporting agencies to please have the late payments deleted from my consumer report because I sent out the letters and they came back as Return to sender and Undeliverable. Also asking for the Charge Offs to be deleted off of my consumer report. I requested a 1099c to file on my tax return and the letters came back as Return to Sender. I sent out letters to the consumer reporting agenices notifying them that they are furnishing inaccurate information on my consumer report and that they have 5 business days to respond. They have failed to do so. These accounts are Unverifiable. I have Attached copies of the Return to sender Cards .Thank you!
Consumer complaint received 2022-05-26
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: Applied Business Services, Inc. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-10-17
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX  XXXX Balance Owed : {$380.00}.