davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, Equifax, or XXXX  that this collection would be placed back on my credit file.
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Cash Management Corp. (ME)

I arranged a monthly payment plan with my local hospital, Maine XXXX XXXX XXXX XXXX Hospital for unpaid balances. The hospital officer, Mr. XXXX XXXX agreed to this and had his assistant XXXX XXXX approved putting additional amounts on the balance being paid down. After 2-3 years or more of accepting these payments the hospital, MrXXXX XXXX, unilaterally demanded I renegotiate the payment plan. I refused. In response the hospital hired or sold my debt to a collection agency in XXXX named Marcam.  Marcam harrassed me and my husband for the next couple of years by continuously sending erroneous bills. These bills were wrong because we were making those agreed upon payments. In fact we continue to make those agreed upon payments. 

Since the harrassing letters continued from Marcam, sometimes 6 or more a month, I sent them a registered cease and desist letter which they received, and signed for, on XX/XX/2020. Unfortunately the harrassing l etters from Marcam have continued to come. I have received 3 now since they signed for the cease and desist letter. I have no relationship with Marcam no r do I not want one.  Meanwhile I continue to make the agreed upon payments to this local hospital, Maine XXXX XXXX XXXX XXXX Hospital in  XXXX, Maine.
Consumer complaint received 2020-08-17
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. (MS)

This is my second attempt to removed the inaccurate items. My name is XXXX XXXX and this complaint is done by me. I used the information in FCRA to help me. Experian said that they didn't think it was me filing that complaint. While they used stall tactics, my credit continue to report incorrectly with false information. I have attached all the necessary documents to get these accounts removed.
Consumer complaint received 2023-01-11
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC. (TN)

I have tried on numerous occasions and have disputed a collections on my credit report numerous times to get proof that this collection belongs to me to no avail. The debt has remained on my credit report and I still have not received proof of the debt.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (UT)

I lost my Job and fell behind in my payments. I went and filed a XXXX  XXXX Bankruptcy ( 100 % debt to be paid ) I have received a 100 % P & T rating from the VA for my service-connected XXXX and this is my income at this point. 

Newrez ( XXXX ) mortgage services have been misapplying funds from my payments and trustee payments. They show they have received more funds than the trustee has sent. ( The trustee sent the last payment to them in XXXX of XXXX as payment in full based on their claim ) My Escrow account XXXX XXXX had a surplus of over {$3500.00} in it. They did a second review and reduced it by {$2000.00} stating it was funds paid by the trustee and thus they can not give them to me. this was XX/XX/XXXX. I protested it, but at the recommendation of my Attorney, I decided to wait until my case was discharged. Now my Escrow has yet again had money removed from it. My XX/XX/XXXX statement showed I had an escrow balance of {$3300.00} in it. It also shows I am current on my XXXX XXXX payments. My XX/XX/XXXX statement now shows my escrow account has a balance of {$2900.00}. I called today ( XX/XX/XXXX ) to discuss this shortage and found they moved {$660.00} from my escrow account to a suspense balance account. ( partial payment ( unapplied ) ) I can see that in my statement. 

I asked why this money had been removed and was told it was fees paid by the trustee to them that were not applied correctly. ( same thing as Fall of XXXX ) My XXXX  XXXX shows they claimed {$17000.00} ( as stated, the last payment for that amount was sent in XX/XX/XXXX ) Newrez shows they have received {$18000.00} from the trustee with another {$1400.00} still due. Although I have made my last payment to the trustee and expect to receive my actual discharge within the next few days. 

At this point from what I can tell Newrez has taken {$2000.00} from my escrow in XXXX and has now taken an additional {$660.00} ( so far ) from my XXXX Escrow. Totaling {$2700.00} When I ask to speak to the escrow and/or BK departments that are the ones Newrez claims are making these adjustments, I am told they do NOT speak with customers. 

I was told in XX/XX/XXXX that my account was " fixed '' Now in XX/XX/XXXX they have to " fix it '' yet again. In the end, It looks like they are mismanaging my accounts ( Mortgage, Escrow, BK ) and hiding money to take advantage of someone who is just trying to ( and has ) make up for losing my job.
Consumer complaint received 2020-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I asked Transunion, XXXX and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 2. The following account is not mine XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect 09 XXXX XXXX XXXX    XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect 11 XXXXT XXXX XXXX ON Amount : XXXX Bureau Contact Date : XX/XX/2020
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (MN)

XXXX XXXX XXXX pulled and accessed my Equifax, XXXX, and XXXX XXXX credit report on XX/XX/XXXX. The XXXX XXXX XXXX credit inquiry is a unauthorized and fraudulent credit inquiry. The credit inquiry is not my credit inquiry. I did not apply for any credit with XXXX XXXX XXXX on XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (MD)

I have filed several complaints as this item was included in a discharged bankruptcy in XXXX. Dyck Oneal continues to re-age, and refuse to remove this item. I have never had any direct dealings with Dyck XXXX and the original debt was a part of the discharged bankruptcy. My last complaint with CFPB was denied because they again claim it is not a part of a discharged bankruptcy. My XXXX  credit report showing it is on page XXXX of XXXX as of XX/XX/XXXX.
Consumer complaint received 2020-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I filed a XXXX  complaint against Kohls in XXXX  for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the Kohls app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a Cap one account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX  complaints this was resolved since XXXX  is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). XXXX  is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX  is showing the correct information.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (OK)

I was disputing the way XXXX XXXX was handling this debt ( Federal Trade Commission ( Consumer Financial Protection Bureau ), Complaint Number XXXX ). Today, I was looking at my XXXX  Credit Reporting agency credit file when I saw that the XXXX  debt was reported, which drove my credit score down 75 points from XXXX to XXXX. The collection agency company, Sequium Asset Solutions , LLC never sent me a letter or a Notice that the XXXX debt would be reported to the credit agencies. What I gathered from a phone call with a representative of Sequium, the money of the debt plus the collection fee goes to XXXX even though XXXX and Sequium are separate companies. I was never given Notice that unless I paid the debt owed the XXXX account would be reported. This is very unfair to me as a consumer. In good faith, I decided to pay XXXX  the {$150.00} owed on the XXXX XXXX  web site ; yet I still owe a collection fee of {$37.00} to Sequium.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

On XX/XX/2020 I reached out to Enhanced Recovery Company through mailing them a letter about an erroneous debt on my credit report. I simply asked the company for the original instrument of indebtedness and they have not replied. on XX/XX/2020 I tried to reach out again via certified mail to request the same thing and I was not contacted in return. On XX/XX/2020 I notified them that it has been 30 days since I reached out and according to FTC federal law, if a company doesn't try to contact or workout their claim within the 30 day period they must remove it from the consumer 's credit report. I notified them that it has been more than 30 days since I reached out, but there still was no response.
Consumer complaint received 2023-06-20
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

Need help to have my mortgage deferred due to my covid-19 hospitalization. I have been Battling with fay servicing for a mortgage payment deferment from XXXX XXXX XX/XX/2020. Fay servicing has repeatedly told me because my mortgage was not a federally backed loan, not covered under CARES act they would not offer me a deferment. Forbearance, ending with a giant balloon payment in 180 days was my only option. I have explained my state signed in their own special act in XX/XX/2020 governing these mortgages that aren't federally funded to be granted into a deferment and to be added to the end of your loan. Fay servicing has been negligent throughout this process. I initially called Fay in XX/XX/2020 to discuss my hospitalization from being XXXX positive and asked for a deferment but was informed that a forbearance was my only option but to check back as things are constantly changing. After weeks of calls, explaining the facts and checking back, they explained that they would not discuss relief options over the phone or by email because its only done through a letter they will send to me in the mail. I was told in 7- 10 business days that I would get this letter by mail describing my option for mortgage assistance. I called after 14 days of no letter, they explained to me through these hard times the mail is slow and keep checking my mail. After a month of waiting I was then told there was no letter but im on the waiting list to be reviewed for mortgage assistance. Weeks later, again I called and was told I was not being reviewed for relief but I needed to now email them my hardship and then I would be put in a waiting list for the review process. After a few more weeks of multiple emails and a promise to get back to me within 48 hours I was finally told there is no review process, I was just not eligible for any assistance beyond the forbearance with a balloon payment and they have no emails or letters explaining my relief options, acceptances or denials. I need an explanation in writing of my eligibility or ineligibility outlined with dates and amounts, please. Because of Fay servicing has not taken any effort to review my mortgage, my family has over extended its financial ability, creating seriously over extended debt. Chapter 65 of  the Acts of 2020 section 5b states " A payment subject to the forbearance shall be added to the end of the term of the loan ''. Why is this so difficult for Fay Servicing to understand? Fay servicing has refused to accept this law and will demand a lump sum at the end of the forbearance. This is a criminal act against the unknowing mortgagee. Fay Servicing is intentionally misleading their customers to scare them into paying their mortgages while in hardship.
Consumer complaint received 2022-11-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, Transunion ) or further action with the XXXX, attorney general and others may be applicable under law.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (IL)

XXXX and Experian are fraudulent on my accounts CAPITAL XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX
Consumer complaint received 2020-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Had a student loan with XXXX and XXXX XXXX XXXX called me and told me about aXXXX XXXX XXXX XXXX XXXX   that I would qualify for ( Income Driven Repayment Loan ). At the time I was single and just started a new job. I was told the status of my loan would remain under my single status because I took the loan out before I was married so therefore it would not affect the long term 10 year option payoff that I qualified for. I paid the company upfront 4 payments totaling close to {$1000.00}, one I bt was told was for filing the needed paperwork to obtain the loan. I was accepted and have attached the documentation showing that I qualified for payment of {$10.00} per month for 10 years, no late payments, and the loan would be paid off in full. I received an email recently that payments stopped due to COVID but would restart in XXXX so I needed to re-qualify again showing my salary still qualifies. I called the company and found out they are out of business due to a suit that was filed against them as they were forced to close their doors. The number I called is XXXX. It appears they made a false claim that XXXX XXXX XXXX  was connected to them and they filed for a password and email using my information, acting as I knew that the loan was connected to this company. The XXXX XXXX XXXX login I received was from them acting as if they connected to the original XXXX XXXX XXXX online so I could see my information. I was confident in XXXX XXXX XXXX being that I qualified through them a second time and they had my bank account information, taking out {$10.00} a month for student loan payment. I called a associated with the Department of Education to complain and I was told to call Fed Loans and explain the situation to them as well as make a complaint with you. When I called Fed Loans they told me they are now XXXX XXXX XXXX, I am paying {$0.00} total as of the information XXXX XXXX XXXX   provided them and that I owe about {$600.00} and somewhat dollars in interest. They had no idea I was making payments of {$10.00}. I have included many emails with dates and the contract that I e-signed showing the original 4 payments of {$240.00} and dates showing I was to pay {$10.00} for 10 years. I have emails showing original point of contact, emails that they were in receipt of my {$10.00} a month, that I re-qualified for the loan, they sent me login and password from Fed Loan, etc., posing as they were the Fed government they were working for and had the power to access their site for me.